大马股市

去年就有人开始卖票，但股市就是起起落落。。。好像女人那样，难以抓摸。。。。

我是卖基金的，以前很多顾客说黄金好过基金，他们去买黄金，买在最高点，我看到了机会，曾告诉自己是时候卖掉手上的黄金了，但没行动，因为贪心，高追更高，现在后悔到。。。

但吸取了以前的教训，现在每个人都说卖时，你只能够静静的坐在一边，旁观和思考一下。。。狼到底来不来了。。。。。

上个星期又开高了，很多人又开始忍不了，手痒了，我们该又要思考思考下一步 了。。。

不知道冷眼的反向思维是不是这样用呢？



以上是我的个人意见，不用当真。。。life is always a drama and a joke, take it easy .... happy sunday

Investment Talk by Mr Fong (冷眼）

Do you understand mandarin ? and there is an golden opportunity where Mr Fong will be conducting a talk (and it is free of charge) at Nanyang Siang Pau office.

Details here :

http://www.nanyang.com/node/515848?tid=462

Hurry up register yourself. BTW, the previous talk which has Mr Fong as the speaker, all the space will be taken up, and normally ends up everyone need to stand outside the hall .... and you can imagine ya.....

Manage Your Wealth (1) - Is Your Money in EPF Considered CASH ?

Manage Your Wealth (1) - Is Your Money in EPF Considered CASH ?

I read this from KCLau site, pretty simple and easy to understand.

http://kclau.com/investment/epf-cash

Run-away Chicken - KHSB and TWS Plantation

The direct translation of run-away chicken : missed the boat in Cantonese .....

I was following TWS Plantation after the very first time Koon Yew Yin talked about it. But, the sentiment was so bad on plantation, I chicken out, never dare to make next move.

And last few days was busy, didn't really follow the market news, and all in sudden, saw the privatisation come in for TWS Plantation ..... sopp sopp .... run-away chicken. But, Koon did mention, he has more than enough holding to against the proposed price, I hope that will turn out right .....

Same go for KHSB, there are a lot of discussion on KHSB before the concrete proposal made, and, I just ignore them, and now, another chicken run away ....

Lesson learnt - don't just sit and think, wait and see, but see, thnk and move .....

Insurances - Buying The Right One ( What is Deduct-able Medical Card)

I Followed quite a number of guru's website and blog, LCF is one of them.

I always have doubt on insurance policy, as I really don't get to understand them, where my money gone after years of premium paid ....


This article strike me as it is one of the questions that always in my mind .... as an employee, my company provide me the medical card, but I am also aware I need to keep one on my own expenses, even I don't need it now, or else, after retired, my company don't provide me any medical coverage, insurance company will start to reject my application because of health problem (which most properly we will have by the age of 60, don't we, guys, face the fact ....) ... but I am seeing my money burned every year, because I will never utilise that medical card I have been paying for.

When I ask and consult the "insurance consultant", they will eventually end up asking me to top up .... What, I wanted to find a way of reducing, then end up they can turn it to another way seems they can predict I will get a cancer pretty soon, and I don't top up now, i will not get it in future ......

http://www.howtofinancemoney.com/2013/02/overlooked-aspects-of-retirement.html

After reading this article, I think I will do something to my existing self funded medical card .....