It shows one thing.
CimB sg rates are good until too many people use it to do last minute transfer until it crash!

yes rates is good.. also easy to transfer. Immediate!!

Good news. Up till 2026. Its best to exempt from tax to encourage money inflow to Malaysia

https://www.sinchew.com.my/20211231/%e6%b5%...9b%9e%e5%93%8d/

Simple finance calculations. 1 million in 2026, assume compounding rate of 6% p.a., shall we. PV*(1.06)^5 = 1 million, PV = 747,258 (about 750k).

My assets are nowhere near 100k

Mins sharing your discount rate, duration of investment, and future value (or present value)?

This post has been edited by TOS: Dec 31 2021, 05:15 PM

should do like Ramjade... sell some puts and calls... and lent out your shares

I regret not doing either for my shares...

He is a rich guy and has good stomach for volatility. 100 shares for one option trade. AAPL, MSFT etc. easily in the 100-300 USD per share range, which amounts to 20k USD per trade, factor in diversification of 4-5 counters, 100k USD or 400k MYR.

I have no regrets, seeing NVDA go up 10% a day and 10% down the other day, compared with S-REITs which barely move above 0.5% in a normal day, the extra return from options is called "risk premium" for a reason.

Anyway risk profile differs from people to people.

when you sell calls... you collect the premiums... only obligated to sell your shares if hit the strike price

just make sure you already got 100 shares to cover for each contract... and pick a strike price that you are willing to sell at

This post has been edited by dwRK: Dec 31 2021, 06:11 PM

Covered call limits your upside potential, but volatile growth stocks can jump a lot.

But yes you are right, just that I don't have that much money as a fund manager anyway.

if you don't have 100 stocks to sell... OK lah can't do much

I'm 100% sure you are the super safe diversify low volatile long term hold type investor... so no need to talk about volatile growth stocks lah... hahaha

anyways your thinking is wrong wrt limiting upside potential... whilst it is true per se, an astute investor also knows when to take some profit off the table, and happy to do so, and selling calls/puts actually helps supplements long term investment...

when I wanna sell I actually have a few target prices and sell in tranches... it's the same with buying... whilst you can't really catch the perfect top or bottom, scaling in and out gives me higher chances to do it...

anyways I'm sure you will change your mind when you are more experienced and have a big account...

6% ? That is too low for oversea invest.

he count only dividend

Your 100k in USD is it? I always thought you are pretty well off. Anyway if its RM100k, safer not to put in options as it can completely wipe you out unless you can master it, Just my 2 cents.

Happy New Year to everyone. May 2022 be a better year for all of us

My view is a bit different. The only astute investor is the finance controllers of the company. They are the true insiders who can price securities exactly. There isn't any alpha (over the long run) for a typical active fund managers, let alone retail investors.

When I have a big account, I will make sure the private bankers stay far away from me first.

Even if you choose 7-10%, the discounted present value is still way above my current assets. 6.5% p.a. is about my current IRR, though I am aiming for 7-8% in the long run.

It's total return here, not just dividends. Capital gain + current income = total return

"Well-off" student? Nowhere near that. 100k as in MYR. I wished it's USD.

Happy new year to everyone.

This post has been edited by TOS: Dec 31 2021, 08:19 PM

If 6%, I would just buy maybank or EPF. Don’t need go oversea.

But I don’t invest in dividend or etf. All in US stock.

Looking at this yrs return, not bad.

sure is ok to have a different view... you have plenty of time to find out you are wrong... just remember I told you so in Dec 31, 2021... hehehe

happy and prosperous new year everyone

This post has been edited by dwRK: Dec 31 2021, 08:57 PM

You will do well in life with your hardworking and helpful attitude. Soon, you will have multiples of 100k. All the best. Cheers.

Suggest you to diversify. "All" in US isn't very healthy. Plus post-2026, if tax on foreign income for individuals resume, and no MY-US tax treaty, then dividend income will be taxed heavily.

Anyway, off-topic.

This post has been edited by TOS: Dec 31 2021, 09:25 PM

By 2026, I goyang telor already.

Probably in US or any country chasing my retire dream. No worry at all.

It is because of sudden change of taxing foreign income that cause me to look for solution. But it is a good learn and aware about this tax and able to learn how to find a solution.

Why not healthy? US is the world market. Much much more healthy then any country.

with a tax treaty... both governments follow the bilateral tax agreement

without a tax treaty... Malaysia will use its unilateral method to asses tax credit

both calc on tax credit looks about the same... I just glance over few weeks ago so can't recall for sure, but you can look it up... so it's not really "taxed heavily"... don't go scaring ppl lah... hahaha

This post has been edited by dwRK: Dec 31 2021, 09:30 PM