Right the person who was driving did tell me some part of it is still with speed limit imposed

Perhaps diff timing & diff stretch we were at

Hence, diff encounter

Yes bro… I’m on a highway now heading to Milan. Odd… speed limit is not indicated on the ctrl panel…

Yeah. 2008 was very kind. Some of best buy done then.

But it turns out my best nw gain is this year. Overseas portfolio up like 50% ytd. Imagine the absolute value.

What does this mean?
BTFD works.
Continously remain invested also works.

Yes bro… I’m on a highway now heading to Milan. Odd… speed limit is not indicated on the ctrl panel…


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I have been doing that every dip. Don't listen to news about volatility. Welcome it. Embrace it.

Double post

This post has been edited by Ramjade: Sep 25 2025, 06:38 PM

For me the best year is 2021 covid days. Thanks to 2021 covid also I reached semi-retirement. While people are panicking and selling I was throwing money into fire. Whatever nice, throw first think later lol. BTFD works and make sure you have war chest with multiple bullets to shoot. Also remaining invested is good, giving me some sort of reason to commit and build my conviction.

Every dip since when?

Those that buy after every pay day, .... Will sure get to buy on any down trends (and any up trends too).
They don't care about the volatility of dips or peaks.
They just need to buy as per schedule and usual.
They do Not need balls of steel.
Others will just assume they have balls of steel, if they tell them that they bought on dips or every dips or even on mkts corrections or crashes

😇🤣

This post has been edited by MUM: Sep 26 2025, 05:47 AM

every one is a genius when market eventually goes up,,,

buying after a crash isnt courage, it's timing...
assuming they actually have the timing...

BTFD boldness with a rewind button....

This post has been edited by guy3288: Sep 26 2025, 01:32 AM

Long time already. More than 5 years.

ASSI always said keep some cash on the sidelines so that when market is irrational, you can go shopping. Follow the quote buy when there are bloods in the street even if it's your own blood.

Even peter lynch also said there is always something that will spook the market. Been invested the whole way.

Everyone do market timing but deny doing that. Unless you DCA in you are not market timing. As long as you keep cash you are market timer whether you like it or not.

This post has been edited by Ramjade: Sep 26 2025, 05:57 AM

Assuming 80% efficient invested 20% not efficiently invested. Some dont put money into inefficient returns asset.

Assuming that 80% is in equities.
Assuming that 20% is in FI funds, FD, cash, etc etc.
Assuming the capital is RM80k in EQ : RM20k in FI/cash. Total capital is RM100k.
Assuming the equity/stock price is RM20ea.....= 4000 stocks holdings.

if mkt down 20%, the equity price will drop to RM16
The EQ capital will become RM64k. (RM16 X 4000)

If use RM20k FI/cash/warchest to buy that RM16 stock will get 1250 stocks.
1250 + 4000 = 5250 stocks held

If mkts rebounds, the stock price rebounded back to RM20, ... the total capital = 5250 X RM20 = RM105k from the original RM100k.

That is just a 5% gain. But to gain that, .....
How often will you get to hv 20% cash?
How often you get a 20% drops?
How long do you have to wait for rebounds to get that 5% gain?
To rebounds from a -20% drops, it need to gain back +25% to be of same value as before pre drop

Bear in mind, during the wait, you will have no more cash or warchest in hand for other "better" buy when opportunity comes.

This post has been edited by MUM: Sep 26 2025, 07:56 AM

And then if you got no cash you cannot buy when market is down. After seeing so many FIRERs like ASSI, Mr tako escape strategy, need to hold cash. Follow people who have been successful. Don't try to reinvent the wheel.

If you invest in individual stocks there will always be something that drop every year. No need to worry got nothing to buy.

This post has been edited by Ramjade: Sep 26 2025, 08:54 AM

Those individual stocks that every year got drop 20% may not be the stock of your likings.

You did mentioned previously that you dont invest in inefficient assets. Holding cash is not efficient asset.

Money used in doing option that can generate 200 easy gain every week is a better choice than waiting for the 20% drop in the stocks that you want. Which may continue to drop, or stayed flat for awhile. Why risk the money pool that can make easy gain every week rain or shine?

Hold cash wait at the side lines like just few days ago a forummer mentioned he held over 1 mil waiting for crashes.

Hold a lot of cash wait at the side lines, then deploy, not just hold some % of cash, while alot of your cash had been used up to buy and hold stocks.

The maths from my earlier post did shows that deploying 20% cash equivalent of the value of the your existing stock predrop value will only gain 5% if you existing stock dropped and had regained +25% from -20% drop

Do you hold > 20% cash equivalent of each of your existing stock value in your collections?

"After seeing so many FIRERs like ASSI, Mr tako escape strategy, need to hold cash. Follow people who have been successful. Don't try to reinvent the wheel". .... yet how many % of your networth are in cash?
Sifus said hold cash, but you keep on buy and hold stocks every pay day..

You mentioned you dont invest in inefficient asset, so you keep on accumulated dividend stocks.

You no do as many FIRERs like ASSI, Mr tako escape strategy, need to hold cash?

Perhaps you really had reinvented a better wheel than ASSI, Mr tako had.

This post has been edited by MUM: Sep 26 2025, 11:26 AM

If you read closely you know my strategy.

I hold cash and deploy them when I see fit. It's not about being inefficient. Like I said I got a huge watchlist. I don't market time as much as ASSI or Mr tako escapes. I do market time on and off. Because of my huge watchlist likely every few months got stuff to buy when things sell off so use the money earn and redeployed them. To outperform the market you need 2 things
1. Cash to buy when market/stocks are down
2. Guts to buy and the will to buy

I hold cash and buy when stocks are down. I did not reinvent the wheel but just follow those successful people.

Lots of people want to wait for 50% crash or keep shifting the goal so good luck la. Like my latest buy Palo alto, it crashed it straight buy. Marsh McLennan came down also I buy. Got so many things on sale. Msci is also fair price can buy some. I don't wait like 50%. If you want to wait for like 50% good luck you will never buy anything. 10-20% drop I already deployed some cash. The more it drop, the more I buy.

If you read closely you know my strategy.

I hold cash and deploy them when I see fit. It's not about being inefficient. Like I said I got a huge watchlist. I don't market time as much as ASSI or Mr tako escapes. I do market time on and off. Because of my huge watchlist likely every few months got stuff to buy when things sell off so use the money earn and redeployed them. To outperform the market you need 2 things
1. Cash to buy when market/stocks are down
2. Guts to buy and the will to buy

Being inefficient means buying stuff like unit trust, reits, bonds EPF, FD, stocks that don't grow dividend, banking products from banks just to hold on to priority status or using banks to transfer money. Holding some cash is never inefficient as it let you buy things when things are down. Since I am deploying them every few months, it's no issue for me.

I hold cash and buy when stocks are down. I did not reinvent the wheel but just follow those successful people.

Lots of people want to wait for 50% crash or keep shifting the goal so good luck la. Like my latest buy Palo alto, it crashed I straight buy. Marsh McLennan came down also I buy. Got so many things on sale. Msci is also fair price can buy some. I don't wait like 50%. If you want to wait for like 50% good luck you will never buy anything. 10-20% drop I already deployed some cash. The more it drop, the more I buy.

This post has been edited by Ramjade: Sep 26 2025, 12:18 PM

Efficiency isnt just about return, it's about matching risk to the vehicle...
If EPF is inefficient then make roller coasters as our new trains!

Maybe you don't look at inefficiency like how I look at things. Even Singapore CPF is also very inefficient.

I will tell you why I am anti EPF
1. It gives a non growing more or less stagnant 5%p.a
2. Your ringgit is a very weak deprecating ringgit which means sure you get 5%p.a in Malaysia returns but if you look at it from the lens of a long term investing your purchasing power is decrease with time every time the ringgit depreciates against other currencies. The saving grace of Singapore CPF is their strong SGD vs our weak RM.

Now I will tell you why is it inefficient.
Use this link
https://www.investor.gov/financial-tools-ca...rest-calculator

Change the interest to 5% and 8% p a. 5% = EPF, 8% = S&P500. Put both 30 years. Now do you see how much money you are leaving on the table? 30 years is ideal time as that when most people will retire. Now would want to retire with a larger or smaller pot of gold? I know I want a larger pot. I don't know why people want lower returns if they have like 20-30 years to go. That's what irk me the most. Miss the forest for the trees.

This post has been edited by Ramjade: Sep 27 2025, 10:41 AM

Since we are on the topic of "efficiencies" of asset classes, one thing I find interesting is that, in FIRE discussions here, bonds rarely get mentioned. Even among those who are already retired or old (say, above 60, since that’s the official retirement age).

Is it because EPF already acts as our “fixed income substitute”? Or maybe because short-term accounts and e-wallets are giving 3–4% yields, making bonds look less relevant?

Or perhaps bonds are just... not exciting enough to talk about compared to equities and shiny commodities like gold

I will give you my opinion. I have very bad opinions on bonds. I will never hold bonds as they are very inefficient.

They are like FD give you inflation return. So your money is practically not growing in line with inflation. At most maybe +2% ahead of inflation only?

Yes it can protect your value when market turns very red but why would I want to protect my value when I don't care about it and more interested in buying the dip?

That's me. Buying bonds means you getting an IOU from the company. You don't get the growth and dividend growth from the company (should it do well). I will give you an an example. If you invest 10k into Apple shares and Apple bonds 10 years ago, the result today is very different.

Yes bond have a place but never in my portfolio. I got no place bonds in my portfolio. That is why I am unorthodox. Textbook said you must own some bonds. For me why must you follow the text book when more successful people than me have never own bonds?

This post has been edited by Ramjade: Sep 27 2025, 01:31 PM