How you deal with such retire money every yrs when div, fd is changing?

Every yrs, park money here and there, in and out bank etc?

Teach us something so I can prepare when retire come. 

So mostly you don't change much the portfolio? Each sector have it cycle time. Hgh to low. bad to good. So you got to constant monitor the income? 

But I realize since you're retire, you have more time to manage the finance.

I neglect my investment cause occupy by my busy job. But MCO slow me down to check back and re think my investment.

I plan to takeout all the EPF when retire. After realize that it is not what I can control and no confident on the gov flipfop policy. What do you think?

My strategy now is 50/50 between KLSE and US investment. But can see US stock are gain faster. At the same time need some steady income from bank div too.

Recently reduce the MY Reits as it getting worst. So not into reits anymore.

preach! 

higher yield, more choices and better *ehem* governance.

As long as they will payout 40-60% as promised by them.

Don't think there's written agreement saying if failed to give quarterly dividend. Then can c/wrd to next qtr or end of the year/final dividend....

If u can. Find the agreement..
Please do share...

Yup.
Around that range..
So even skip for certain Qtr..
Total can fullfil the overall payout.. then it's non issues 🙏
So if calculate from total previous dividend of the financial year.. Already hit 40% or not? 🤔

I'm not advising you on anything, this is just my take on the matter. A good guru teaches you how to buy, a bad guru teaches you which to buy, but I'm neither. A crash may or may not happen, but when it does, I'll be vindicated and laughing on the sideline.

Shorting wouldn't be a great idea in my opinion, while I do believe a crash will eventually happen, ASB is acting as a resistance factor. While the market will go down eventually, you might not be able to remain solvent for that long. "The markets can remain irrational longer than you can remain solvent." - Keynes.

Dec to feb. Possible hit 3 to 4

good start for Maybank today can we reach RM8 in 2020?

gooding    for me i just continue to hold and take dividend

Anyone going in today? 🤩

Stashaway and Wahed.

ETF is buying a fund which has pool of stocks so your risks are diluted compared to individual stock. gains also diluted.  yes correct. but usually people buy ETF to hold not for active trading.

If wanna buy Malaysia ETF can just use the usual brokers, hong leong, rakuten etc.
Stashaway and Wahed.. one year in.. lowest went to -20% back in march..now SA gain 12%, wahed gain 20%.. just by doing nothing and deposit every month. can sleep at night peacefully

SC lor

Yeap

https://ers.seccom.com.my/public/CompanyGen...LicenceID=36524

https://ers.seccom.com.my/public/CompanyGen...LicenceID=37306

Agreed, very good platform to get exposure to foreign etfs.. reasonable fees as well..

Can read yourself

1. https://forum.lowyat.net/topic/4858234
2. https://forum.lowyat.net/topic/4750563
you have to fill in a survey first before they allocate your risk. alternatively you can choose the highest risk index as well.

Hold only, dont need to sell when the uptrend momentum is intact unless you can generate better earnings by buying other counters.

Haiya, dont remind us of 2009. This year niama no drop. If drop like 08-09, then all of us can happy happy and collect just to live based on dividend only for the rest of our life.

what's your average buy price now?

On a side note any CIMB holder here also? Fly high today man