Whole life Non-Par = Term Life = Better product??

Mis-selling... Confusion... lack of knowledge...

Product must meet your requirement, not because your agent ask you to buy.

No best product(s), everyone has their own unique needs.

Time to accumulate back some.

如果入口不多，为何收到的入口消费税如此多呢？欺瞒已经是通病了。

Nosedived into the water?

many people waiting for that 'crash' but it is long gone... due to QEs.

Great sharing.

ROE

2011 16.16%
2012 VV
2013 VV [down trend]
2014 VV
2015 8.67%

What was the problem?

FY2015Q1, Revenue up 3.4% on Y-o-Y, net property income grew 5.8% on Y-o-Y. Frst interim income 2.6 sen per unit, payable on June 17, 2015.

SUNREIT is overpriced but somehow people like expensive thing.

confirmed bubble but questions are, when will it burst and how serious when it burst?

It is serious.

Dear "Oldkoon", no good to attack "Chinese medium schools" as many top employees and successful entrepreneurs also from there.

Problem is not from "Chinese medium school" or "Sekolah Kebangsaan"... it is the SYSTEM.

Hi KC,

If a guy to invest RM1,000 and the UTC (unit trust consultant) only makes RM50 (if sales charge 5% all goes to him/her).

If that guy invest RM100,000 and the sales charge stays at 5%, then it is RM5,000 (a lot of money).

UT investors can make good return if
1) The Fund perform well AND
2) The cost of investment is low.

Wrap Account helps to achieve # 2 above.

I recently open an account for a client for RM200,000 he will pay only 1% Service Fee (upon injection of fund into the Wrap Account), and we negotiated a 0% Wrap Fee (Advisory service) and he can choose any funds out of total 300 over funds available in the platform at 0% Sales Charge.

Subsequent switch among the 300 over funds mostly at 0% sales charge, or about 1/10 of normal sales charge.

We help our client make money by giving advisory and setup a way to invest with lowest possible cost.

Wrap Fee may be adjust to 1% if the client's portfolio making good return.

Indeed, it is devastating. Worried, very. Solutions for my child, need $$$$$. Solutions for country, BN must go.

Invest UT with Wrap Account, pay lowest fee, increase the probability of high return.
Open Wrap Account with Financial Adviser, they are independent from fund houses.

www.AskChong.com

Go for Wrap Account, pay less than 2%.
Use platform to invest instead of traditional way of buy direct from bank.
www.AskChong.com

Maxis Postpaid, I have to pay RM48 for 1GB data on top of RM48 for call.

Celcom Prepaid, I pay only RM38 for 2GB data.

Solutions, get a dual sim phone, Maxis Postpaid for call, Celcom Prepaid for Data.

Financial Blog: www.AskChong.com

How many speculators out there can't hold more than 12 months?

Financial Blog: www.AskChong.com

Great Sharing.
Time to buy PADINI.

Hopefully next year EPF dividend can touch 7%

No wonder bad results, during the quarter ended 31.12.2014
.
Impairment loss on receivables RM5.5 m
Loss on foreign exchange (realised) RM1.7m
Loss on foreign exchange (unrealised) RM2.4m

TGUAN's loan mainly in USD. Thus NOT benefiting from USD appreciation.

Wow, i missed the SALE!

It seem these two accounts (happyvincent & ahmadzul666) recently created, only have comment on BENALEC....

CPI is not relevant to 99.99% of Malaysian.

Really???

Date of change 11/02/2015
Name Dato' Leaw Seng Hai
Age 52
Nationality Malaysian
Type of change Redesignation
Previous Position Managing Director
New Position Others
Directorate Executive

http://www.bursamalaysia.com/market/listed-companies/company-announcements/1874417

Save FIRST, spend the balance. Never the other way.

Don't compliant. Efforts are required to be free from debt and be financially savvy. Earn, Save and Invest.

Better for i3 to do something about it.

BEN is one of the best Yo-yo player in town. Beware!

OMG... PE > 75 times and ROE barely 4.8%.

May be due to unlimited QE by so many countries.... the BULL took one blue pill after another..... this run can be the longer ever before the worst ever crash.

SUNREIT is paying more DPU than EPU (equal to EPS)... Am Puzzle?

BPlant pays more DPS than the EPS. Using good DY to keep share price north?

HEKTAR is relatively a non-performer in 2014.

Probably MD have to take such high pay, to cover some un***-table money..... so the share price won't sink.

this stock always give surprises..... when MOST counting it up, it downs and vice-versa.

TGUAN has almost USD9~10m USD loan, based on 30.09.2014 results.

Can it be truly benefiting from appreciating USD?

Good sharing.
www.AskChong.com

Property is cooling and the share price going south for don't know how long. Hidden GEM may become a fixed deposit.

Too many counters in Bursa where the share prices are below NTAs.

RM1.72 is a married deal, cross-over only. Retailer investor now can not sell at 1.72

Once met the target profit, sell and pocket profit, else just on paper.

BUT, will I miss it like AXREIT again?

ECB QE finally came and will last years..... too much money no where to go.... will push quality counters up to sky.

哇！

TGUAN has almost USD9~10m USD loan, based on 30.09.2014 results.

1MDB send RM to lower ground.

Spend ALL the saving plus next 12 months saving for WEDDING! What kind of planning is this?

Of course NO....

@KK55, great to have your sharing. www.Google.com/+ChongKongHui