It depend on your own risk appetite, high gain package with high risk to losing money as well. Some people said no pain and no gain. Make sure you are aware the investment risk and learn bout what shares or UT you want to buy.

Investment mean long term gain and insurance mean for protection.... Emmmphhh???'

Benefit for all adults here then, crystal clear. Maybe need to be aware that invest at your (people) own risk, do not blame others due cause any failure.

That's why we need to put our own effort as well, at least the risk at minimal as we can see it, not just smiling when we at earning side....

Negative a bit bro... Do you read the REIT shares or REIT based UT fund performances historically (maybe can start from year 2008) for the Japan, US and Europe where they experiencing REIT value depreciation due to bad debt practiced in banking lending business.

It's a question above as I do not know, please share if you read that. So we can measure the risk of the REIT downside if it does exist.

Basically,I am feel worried and risky to buy high-end property (300K - 400K MYR condo in KL as for example) when I read the sad story of Japanese middle-income people shared their experiences in property financial. Their house price is much lower than the cost of borrowing and difficult to sell it of course.

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Added on August 1, 2012, 4:43 pmYou can trade through PM online website? Am i wrong as I never done it before. Purchased PM fund through agent without their influences. Hahhahaha

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Added on August 1, 2012, 4:44 pmYou can trade through PM online website? Am i wrong as I never done it before. Purchased PM fund through agent without their influences. Hahhahaha

This post has been edited by techie.opinion: Aug 1 2012, 04:44 PM

Property price and rental rate in Malaysia are in stable heading up (going to hey day?). Just think when that our bank had problems with their cash flows due increasing of the npl or bad lending practice... jobless rakyat... inflation that pressing the rakyat monthly budget could cause the npl as well and not tally with the rakyat income and probably due GDP-Debt ratio increase dramatically cause the country rating drop and increase government and banking borrowing cost. For scenario example that happened to the US, Japan and Europe.

Yeah we enjoy the good moment now, just I put an awareness to myself. Balancing/Allocation/Variety is important and pray it works well.

So here, we cannot say just waiting for the fruits of any investment, we need to do observe and do maintenance as well such as fund switching.

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Added on August 1, 2012, 5:09 pmSorry Mod... Iklan only... Not going to talk wrong direction further...

This post has been edited by techie.opinion: Aug 1 2012, 05:09 PM

Yup

Yes, i do invested in Kenanga Syariah Growth Fund.

Invested since last June this year. Profit @ 0.75%. Look ahead for more profit increase further but expect the loser side a bit based on current world economic scenario. KLCI still +/- weekly, it depend on the stocks holding by this fund.

Read further before make decision, perhaps everyone know the risk of the fund chosen.

I holding another fund with PM and profit @ 1%.

I realize that this fund also had little portion in REIT as well. Huhuhu...

Yeah that was true...

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Added on August 10, 2012, 12:02 amDoes it show the momentum in malaysia property is going down or maybe stubborn for now... Many reason i would say... It could be the current prop price is too high... Scared?

This post has been edited by techie.opinion: Aug 10 2012, 12:02 AM

Can't wait for GE done... Interesting to see how is the damage done from the results. Then we can talk based on experiences and maturity. Just a thought only.

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Added on August 13, 2012, 10:29 pmKeep the bullets for the bargain war...

This post has been edited by techie.opinion: Aug 13 2012, 10:29 PM

Huhuhu... Perhaps the price in year 2008 will do edi... No rush and stick with the real meaning of the investment... Not a scheme cepat kaya... Need time wor. Vision and mission must be clear... Retire comfortabaly... Do what we can't do now and before... As of now work hard to earn money and spend wisely. Just my thought as an example, other people may have their own direction.

We do not know leh... Now most economy heated edi..

Yup... Be careful with the markets now as it cost high now, the risk could be high if it fall then. Me also watch it for now... just spend based on my cash affordability with careful and low amount. In case the markets keep go high and high... Huhuhuhuhu...

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Added on August 16, 2012, 6:33 amHeheheheheheh... Things change and not happened as what mass told huh. Still not dare enough to shoot as well as of now.

I do not know when ler....?

This post has been edited by techie.opinion: Aug 16 2012, 06:33 AM

Simple and easy to understand.

What do you all think on AMB DIVIDEND TRUST FUND... I do have interest to invest using EPF money. Any suggestion? Thanks.

Just invested on AMB Dividend Fund also. This morning read Dow Jones dip wor.

I decided not to buy expensive fund for now and look for strong fund to adapt with volatile risk ahead if exist. Huhuhuh, let's see the day ahead.

Yeah it higher than AMB Dividend fund as of now.

It depend on the location... build quality... design... facility... size... financing ability... is there any school, lrt, shop, bank and so forth... hence all that somehow determine the value of property...

Same goes to investment... apply the same analytical thinking when intent to invest... and decide at tolerable risk. Haih... my opinion only yeah..

Yeah the value could be the same/equal now... unfortunately future could be different... plan first... where it start/end.

This post has been edited by techie.opinion: Oct 30 2012, 09:43 PM