Category Archives: Investment

Property Valuation

Good news to property hunters, now you check the property valuation online. Currently its only cover sub sale transaction in Kuala Lumpur and Selangor areas. Their database will be updating on a monthly basic.

This gives buyer/investor a better idea on property valuation with ease and with this guide, you don’t have to worry for the unit you are going to buy is overpriced or under bargain.

Quick Facts:
Swiss Garden Residences @ 1,208Psf
Zetapark The Loft @ 639Psf
Villa Wangsamas @ 453Psf

Financial Freedom

In order to achieve the financial freedom, you need to know the important keys to success:

Saving; to be Investor not consumer! If no saving, where got money to invest.

Moving cost average; average the buying price

Diversify – asset allocation; Stock, Bond, Property and Commodities

Plan/ Target; will lost direction if without the plan

Stay invest all time; don’t time the market.

Compound interest;Start early, time is matter

Rule 72; number of years to double your investment by dividing the 72 with interest rate



Month To Diversify

This month I am going to start to diversify my investment to SGX stock exchange.

Two reasons that I’d invest in SGX:

  1. Strong currency against Ringgit;Forex Gain
  2. Can own world class brand!

The current stock under my watch list is Genting Singapore. It has strong balance sheet with Quick/Current ratios of 4.05 and 4.09 respectively.

This counter has been dropped more than 50% to $0.93.  Although, the last quarter result was disappointed, it seems to be undervalued at this price. Hence, would start to collect this stock very soon.

Mutual funds + EPF

Will it be good idea to use the Employees’ Provident Fund (EPF) to invest in mutual funds?

I personally don’t think it is worth to take the funds out to invest in mutual funds. The reason is simple, if you use EPF to invest, you not only forgo the 5-6% of annual dividend but you also have to pay a management fee of 5-6% to the fund manager. So, even before you start, you are already lost by 10-12%.

The only time I would use the EPF is to pay for a property and anytime you take the money out from EPF is good thing because EPF is a legalised Ponzi scheme where new contributors pay for the retired ones.

So, better think twice before to use the EPF to invest in mutua funds!

January CPI

Malaysia CPI in January has dropped to 5 years low at 1%; Hence, Bank Negara likely to hold the interest rate. Last month (December 2014) CPI was 1.9%.

Inflation has cooled down because of the drop in crude oil (~$50). Everyone will be happy because of spending less on fuel.

So, the good news is that it can help to boost the consumers spending and the bad news is its going to hit the oil and gas industry very badly; layoff is on the way 🙁 Some are hoping that the crude oil could go back up to $100 again. I wish too. Mission impossible I guess unless OPEC considers to cut the oil production.

I maybe next to be laid off!