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 Public Mutual, PM/PB series fund

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chidori_nep
post Oct 19 2007, 12:06 AM

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Hihi~ Newbie (and SUPER NOOB) here biggrin.gif I'm a 22 year old student who suddenly felt a strong 'urge' to start investing on something..and chose to start off with Public Mutual Unit Trusts. tongue.gif Currently invested 1k in PCSF at around 0.278 price & 4k in PSEASF....thought of juz leaving em there for them to grow until I read all u guys' posts....SO PRO!!! thumbup.gif Feel so inspired by all u guys' knowledge, esp dzi921, Jordy, David83, Darkmage12 , I_bryan, lwb, kingkong81, leekk8, etc.....Wow to think of all the time & energy spend on tracking & predicting the trend of the market blink.gif ya guys must've spend lots of time on it everyday notworthy.gif

Hope u guys will keep up the good work!!! So i can learn more stuff from ya guys!!!! and hopefully get sum tips along the way...haha~ whistling.gif

(lol this unit trust thing is too interesting...keep distracting me from studying for coming (& very near) exam.... rclxub.gif )
chidori_nep
post Oct 19 2007, 12:32 PM

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QUOTE(Jordy @ Oct 19 2007, 09:26 AM)
I'm also a student, so no matter how much time I spend on investing, I will still have time to study..
Time management is important to succeed..

Totally salute u!!!! Got so much discipline....I'm really bad in time management haha. Better start to change my bad habits. icon_question.gif What cha studying now? smile.gif I read that u also took up the course to become a UT consultant...so geng!!! blink.gif blink.gif blink.gif How could u manage so many things at a time? notworthy.gif

QUOTE(leekk8 @ Oct 19 2007, 10:35 AM)
As Jordy said, try to manage your time. Being a student, we have more time to learn about investment, when you come out to work, you will be busier and no time to learn about investment. Im a bit regret that I didnt put much time on stock investment during my Uni time.

Yea I guess starting early alwiz has its advantage rclxms.gif Hope to learn sum stuff and become more investment savvy by the time I graduate...but stock investment scary le...too many variables....plus i dun hav lotsa cash on hand...can't diversify >.< Plus now very scared le market crash, don't dare to do any bold moves or put in $$$....haha sweat.gif Hope can learn more from all u financial sifus~~

QUOTE(kingkong81 @ Oct 19 2007, 10:49 AM)
Well, during my uni time i never thought of investment or even financial management, not until i start working then only i realised the importance of it.

So, for u, i would said it is a good start. At least you start earlier, realising the importance of investment will really help in future.

As all the others advised...study is ur priority  wink.gif

Younger can take more risk too~~ icon_rolleyes.gif dun plan to marry or hav kids soon haha XD one main reason also which pushed me into investment is I'll be laden with a RM90k study loan when I graduate.....haven't start earn $$$ already owe ppl money T_T sobs cry.gif I hope tis investment thingy won't affect my studies too~~ thanks wub.gif

QUOTE(David83 @ Oct 19 2007, 10:52 AM)
I started my UT investment during my last year. It may be late if I could realise it much earlier.

I think u're doing real good!!! From ur nickname...I deem u're only 2 years older than me....but u've already gained much experience from this field edi...I think not many ppl at ur age is as financially aware as u thumbup.gif

___________________________________________________________________________________________
Thanks for all the replies & concern....Hopefully ya guys won't mind me popping in around the forums once in awhile and ask sum noobie & irritatingly simple questions haha tongue.gif

(hope I didn't go off topic for too long >"<)




chidori_nep
post Oct 19 2007, 01:00 PM

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QUOTE(dzi921 @ Oct 19 2007, 12:48 PM)
Back when I'm in college 8 years ago, investment is never part of our discussion. Only talk about assignment, projects, exams, play, entertainment, etc

How I wish I can turn back time!
Even when I started working, investment was not in my exposure. Salary, Spend, Not enough -> Salary, Spend, Not enough -> Repeat for 5 years

How I wish I can turn back time!
I also started last year at the age of 27 sad.gif So consider it late  cry.gif

But I'm glad I'm more prepared now. Rather than when I'm old and no backup plan at all

blink.gif blink.gif blink.gif I don't think investment is part of ANY discussion in college/universities now too....haha. Even if there are any young investors, most of them are keeping mum on it sweat.gif or it is done under their name by some family member. haha laugh.gif

27 years old still young!! Plus ur dzi maybe help u buy sum time!!! wink.gif

peace out icon_rolleyes.gif
chidori_nep
post Oct 19 2007, 05:06 PM

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QUOTE(kingkong81 @ Oct 19 2007, 04:02 PM)
If not for the "Rich Dad Poor Dad" book that i read while waiting to find job...i will not be investing. The book really give me a real smack in the face...its time to wake up!!! A lot of thing v juz take for granted, but we din realised v can take control and change.

The problem with our education system is it concentrate in teaching us to study hard and get a good job.

Nothing about financial management. Nothing about financial freedom.

in the end...every1 juz work work work...paying off their loan througout their life...then they tell their children, you should study hard and get a better job than you father...and the cycle continues
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Yes work work work till die with the meagre income that disappears slowly thru inflation....sad life cry.gif

That book really that good ah? I saw got another newer book by the same author on financial management/planning or sumthing like tat...so expensive de >.< Maybe i should pop into sum public library & borrow tat book or sumthing blink.gif

chidori_nep
post Oct 19 2007, 11:17 PM

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QUOTE(Jordy @ Oct 19 2007, 05:45 PM)
It's better to invest in a book to start off your financial planning stage..
Knowledge is power, and if you own the book you can refer to it whenever you feel down..
This is one of the ways I used to boost up my self-esteem when I'm weak, to continue fight for financial freedom..
I suggest you get a book by T. Harv Eker, "Secrets of the Millionaire Mind"..
It's really a good book, sold at MPH stores, and it's easy to understand for beginners..
It tells us the 17 important financial blueprints of millionaires, and teaches us ways to change our old blueprints..
I still read the book, and I feel great reading it..
I finished all 250-over pages in 4 days during my free time..
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Wow sounds really inspiring ohmy.gif thanks for sharing....and 250 over pages in 4 days is quite a feat!!! cool2.gif will check it out once i'm free...thanks again smile.gif
chidori_nep
post Oct 20 2007, 03:35 PM

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blink.gif blink.gif blink.gif wah u switched all di.... blink.gif blink.gif blink.gif

scary cry.gif hope it'll drop but hope it won't drop too.... cry.gif cry.gif cry.gif
chidori_nep
post Nov 9 2007, 12:05 AM

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QUOTE(dzi921 @ Nov 7 2007, 09:13 PM)
2 years+ ago, my business turned sour and failed because our big partners stopped funding. I've lost around RM50k (inclusive of 4 months unpaid salary). That time super broke. Went negative, and I was lucky that my GF (now wife) helped me through the tough time

Managed to get a job. Worked as Support. Starting salary RM3600. Was desperate, so gasak the job.

But after confirmation (6 months later) managed to jump to RM4600 and got married. Job requires a lot of travel so changed my car (9 years loan - no choice, no money)

Then I moved into marketing around 8 months in the company. I ran Malaysia like crazy. Worked hard

Now, age28  I've became top salesman for the MNC Company. A Head of the department. Income jump to RM7k - RM10k (after commission and incentive)

Other than that, I've got side income from adsense. Average Monthly, USD500 to USD700

I've made it,
-With my wife, who is understanding and supportive
-With my GM, who is a sifu
-With hard work and sacrifice. Running around Malaysia isn't easy, but the bright side is the claim and allowance is good
-With the hard work I put on my site. Spent 6 months with many sleepless nights doing it. Now, I've sold my site, in return for 3 years adsense space. No more maintenance work needed
-With the extra mile in work and proofed myself

Frankly speaking, I could have made it to 6 digit much earlier, but due to my overspending on gadgets/rubbish, luxury food, many holidays... the milestone got delayed...

That is why my next year resolution is to cut all those unnecessary cost and hope to save more and invest more
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Wow u're really my idol blink.gif geng nya....from broke from failed business to 6 digits in 2 years + thumbup.gif Can see u're really a dedicated & hardworking person from ur never failing posting of PM prices here everyday.... cool2.gif

And congratz in reaching 6 digits!!! hehe!!! Soon it'll be 7 digits..... drool.gif
chidori_nep
post Nov 20 2007, 01:20 PM

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Hehe try posting but turned out so big @@

This post has been edited by chidori_nep: Nov 20 2007, 01:22 PM
chidori_nep
post Nov 20 2007, 11:12 PM

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QUOTE(dzi921 @ Nov 20 2007, 04:40 PM)
Hahaha... like that say also can

Thanks chidori for updating smile.gif Sometimes I'm only online at night... so will be late on updating it. If you can update it earlier, then kindly help me  thumbup.gif
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Haha I'll try whenever can la. But normally by the time i see on website u update early early liao so rajin thumbup.gif today so nyam balik rumah for lunch break XD

Haih Hangseng suddenly went up many points right before market close.....today's PCSF sure very high again...i tot wanna wait lower baru buy....T_T sigh.
chidori_nep
post Nov 27 2007, 05:01 PM

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Lost posted prices by dzi921

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Added on November 27, 2007, 5:10 pm
Today's prices
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This post has been edited by chidori_nep: Nov 27 2007, 05:11 PM
chidori_nep
post Nov 27 2007, 10:20 PM

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blush.gif paiseh la u guys say liddat. dzi921 so san fu compile everyday, of coz must save and make use of it mar wink.gif

but i lauya investor hahahaha tongue.gif know nuts de. u guys are the pros notworthy.gif

So what u guys think? are we going into recession? 2 days of green more red coming ph34r.gif

This post has been edited by chidori_nep: Nov 27 2007, 10:21 PM
chidori_nep
post Nov 29 2007, 01:19 PM

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Wah today all markets up so fast de due to interest rate cut @@ any pro could pls share ur opinion on normally how long this positive effect of cut interest rate will last on the markets? Normally this rise will be juz temporary or quite permanent de? hehe thanks =)
chidori_nep
post Nov 30 2007, 12:44 PM

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Hehe balik rumah early today tongue.gif one of the rare days when i can beat dzi921 to it hahaha biggrin.gif
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Added on November 30, 2007, 12:49 pm
QUOTE(kingkong81 @ Nov 29 2007, 02:55 PM)
There is no interest rate cut yet at US...juz that US Fed officials hinted on another rate cut....which boosted investors confidence. I think the Fed Meeting will b on 11th dec...then v will know whether there will b surely a rate cut

I think as for KLCI, the +ve impact will continue 2mr as 2mr a big giant set to be listed in KLCI, Synergy-D (now known as Sime Darby Bhd). Its combination market capitalisation is almost RM13billion and analyst predict it will push KLCI up 20 or 30 points 2mr.

As for regional market...I guess there will continuous recovery in December, but still volatile, as everyone will be taking cue from US market, any bad news, everyone will be affected. AT least the 1st round bad financial reports are over...next round will b in January

My 2 cents
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oic....thanks so much for ur information!!! nod.gif arigatou~ hands.gif

This post has been edited by chidori_nep: Nov 30 2007, 12:49 PM
chidori_nep
post Dec 11 2007, 04:23 PM

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chidori_nep
post Dec 13 2007, 12:26 PM

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