Fixed Deposit

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Fixed Deposit
Topic Started: Oct 4 2006, 08:51 AM (3,415 Views)
KAYSOON	Feb 1 2008, 04:59 PM Post #76
SINsIE Posts: 1,263 Group: AOCM Member #214 Joined: February 11, 2006	ppfoong Feb 1 2008, 01:41 PM Anybody heard about the Country Heights Grower Scheme? Guaranteed 8% return for 1st 3 years, thereafter get the harvest return every year. The land is at Gua Musang, each investment plot is 0.25 acre @ RM5.5k resellable to other investors. I came across was in oil palm investment in plot... very similar I think the offer is over now... but I'm not interested... many months ago...



hairuljehan	Feb 1 2008, 10:38 PM Post #77
MEmBER Posts: 258 Group: AOCM Member #5,510 Joined: November 24, 2007	TunYau Feb 1 2008, 10:59 AM Like Ongkh and Clement i feel the same is a bit risky to do liquidity invetment then long term investment. FD will be a best choise at this moment with some property investment fund will be good enough and looking at local fund movement, Public bank had come with new fund call Far East Property Fund. I think this had shows that Public Bank had take precaution to diverst their investment to property at far east as us property is going down and malaysia property show not much of improvement and over supply. bro's Far East fund is a good investment. but the existing Far East Fund (from maybank & SBB and Public bank) since last 2 year is going up till above 20% but now suddenly slow start last year dec price going down. thatway public bank looking for Far East Property fund. so invest lah ape lagi. it good ma. Far East country dont worry lah. ok punyeee.



hairuljehan	Feb 1 2008, 10:47 PM Post #78
MEmBER Posts: 258 Group: AOCM Member #5,510 Joined: November 24, 2007	ongkh Jan 30 2008, 01:22 PM in this case, where to put yr $$$$ in order to earn higher return beside fd ?? ofcourse lah bro's u must indentified howlong period? howmuch? for those 30 han until 40 han punye umur, time to save & invest ma. i told earlier, we must diversified. for those yg suke main share -high risk high return lorrr. for those yg conservertive, mmmm letak fixed deposit jer lerr. for those yg moderate mmmmm age 30years ( equity 70% fixed income 30%) age 35years (equity 65% fixed income 35%) age 40years (equity 60% fixed incom 40%) from your total investment.



ongkh	Apr 19 2008, 04:31 AM Post #79
Global Forum Posts: 9,369 Group: Moderator Member #25 Joined: January 16, 2006	1 of my old old fren juz very lucky that he had striked 1st prize magnum & won rm200k++ recently. i knew him has been very very down for the past few mths back for being jobless & need to continue pay all the routines mthly expenses. now he's turning back w/ lucky charm at him, by all means he has request my point of views of better place to secure his finance stability as he's currently managed to found a steady job. so, if u were me, what do u going to propose to him ??



baronteh	Apr 19 2008, 05:15 AM Post #80
SINsIE Posts: 1,377 Group: AOCM Member #846 Joined: September 8, 2006	if he has no idea about the financial planning, get a financial planner (professional one, not mr ah kao and ah mao) to help him. They are more than happy to help him.



ongkh	Apr 19 2008, 08:00 AM Post #81
Global Forum Posts: 9,369 Group: Moderator Member #25 Joined: January 16, 2006	do u mean those financial planner sitting at the front counter at every bank nowadays ??



ppfoong	Apr 19 2008, 11:24 PM Post #82
ADVAnCED MEmBER Posts: 381 Group: AOCM Member #2,422 Joined: June 29, 2007	ongkh Apr 19 2008, 04:31 AM 1 of my old old fren juz very lucky that he had striked 1st prize magnum & won rm200k++ recently. i knew him has been very very down for the past few mths back for being jobless & need to continue pay all the routines mthly expenses. now he's turning back w/ lucky charm at him, by all means he has request my point of views of better place to secure his finance stability as he's currently managed to found a steady job. so, if u were me, what do u going to propose to him ?? Establish multiple stream of income so that no "single point of failure".



ongkh	Apr 20 2008, 08:03 AM Post #83
Global Forum Posts: 9,369 Group: Moderator Member #25 Joined: January 16, 2006	ppfoong Apr 19 2008, 11:24 PM Establish multiple stream of income so that no "single point of failure". for instance ??? :unsure :unsure :unsure :unsure



Olgac4	Apr 20 2008, 05:50 PM Post #84
SENiOR MEmBER Posts: 753 Group: AOCM Member #83 Joined: January 18, 2006	Indonesia 6% permonth :lol3: :lol3: :lol3:



ongkh	Apr 21 2008, 07:40 PM Post #85
Global Forum Posts: 9,369 Group: Moderator Member #25 Joined: January 16, 2006	this is m'sia.... ;)



rosiechan	Apr 21 2008, 10:15 PM Post #86
NeVeR uNdEr EsTiMaTe FeMaLe DrIvErS �� PARTICULARLY THIS ONE! Posts: 3,578 Group: Moderator Member #640 Joined: June 19, 2006	I have heard some people do keep money in Indonesia (my friend's friends) due to its high interest rate. High risk high return .... maaaah :wacko Another is maybe invest in islamic funds ...... they are more stable. An advice from a friend who works for public mutual ........ he's part of the investment team for islamic funds. The only thing is this is not a short term investment. I have some of my EPF in a few funds and my return is 20% after 3 years :D



ongkh	Apr 22 2008, 02:19 AM Post #87
Global Forum Posts: 9,369 Group: Moderator Member #25 Joined: January 16, 2006	shall i ask him to register himself under the cpf scheme volunteerily ?? me too last year heard the cpf quite high rate as compared to prev yrs. does this is a wise choice for a term say abt 10 yrs ?? btw, does anyone know which bank offering the highest fd rate currently ??



Olgac4	Apr 22 2008, 10:39 AM Post #88
SENiOR MEmBER Posts: 753 Group: AOCM Member #83 Joined: January 18, 2006	Olgac4 Apr 20 2008, 05:50 PM Indonesia 6% permonth :lol3: :lol3: :lol3: sorry 6% per year



baronteh	Apr 22 2008, 11:31 AM Post #89
SINsIE Posts: 1,377 Group: AOCM Member #846 Joined: September 8, 2006	If i would like to voluntery pay my wife's EPF (she's not working) , anyone know how's the procedure? Can it automatically deduce from my bank's account?



ppfoong	Apr 22 2008, 12:52 PM Post #90
ADVAnCED MEmBER Posts: 381 Group: AOCM Member #2,422 Joined: June 29, 2007	ongkh Apr 20 2008, 08:03 AM ppfoong Apr 19 2008, 11:24 PM Establish multiple stream of income so that no "single point of failure". for instance ??? :unsure :unsure :unsure :unsure Get a 2nd job, get some freelance projects, sell something at pasar malam, sell something online, teach tuition, teach yoga, teach karate, teach swimming, become property agent, become fund agent, become insurance agent, ....... Many ways....



ppfoong	Apr 22 2008, 12:55 PM Post #91
ADVAnCED MEmBER Posts: 381 Group: AOCM Member #2,422 Joined: June 29, 2007	baronteh Apr 22 2008, 11:31 AM If i would like to voluntery pay my wife's EPF (she's not working) , anyone know how's the procedure? Can it automatically deduce from my bank's account? You can do that in Maybank2u under the last menu option - EPF. Dunno this can be automated or not.



baronteh	Apr 22 2008, 01:44 PM Post #92
SINsIE Posts: 1,377 Group: AOCM Member #846 Joined: September 8, 2006	ppfoong Apr 22 2008, 12:55 PM baronteh Apr 22 2008, 11:31 AM If i would like to voluntery pay my wife's EPF (she's not working) , anyone know how's the procedure? Can it automatically deduce from my bank's account? You can do that in Maybank2u under the last menu option - EPF. Dunno this can be automated or not. thanks. will check that.



kiatkiat	Apr 22 2008, 10:35 PM Post #93
I'm Hello Kitty Posts: 699 Group: AOCM Member #46 Joined: January 17, 2006	[size=14]IT IS NOT HOW MUCH WE EARNED , THE MOST IMPORTANT IS HOW MUCH WE SAVED !!! [/size] I think everyone will agree wat i say...



ongkh	Oct 2 2008, 09:19 AM Post #94
Global Forum Posts: 9,369 Group: Moderator Member #25 Joined: January 16, 2006	the whole world is down w/ a serious financial crisis, usa need to fork out usd$700billion to cope these stress. m'sia said the financial backup were sufficient to cover the loses. what say u ????



seizai	Oct 2 2008, 12:23 PM Post #95
UnWorthY MemBeR Posts: 4,692 Group: AOCM Member #330 Joined: March 12, 2006	ongkh Oct 2 2008, 09:19 AM the whole world is down w/ a serious financial crisis, usa need to fork out usd$700billion to cope these stress. m'sia said the financial backup were sufficient to cover the loses. what say u ???? CASH IS KING :D



ongkh	Oct 3 2008, 03:22 AM Post #96
Global Forum Posts: 9,369 Group: Moderator Member #25 Joined: January 16, 2006	property is an asset



ppfoong	Oct 5 2008, 10:30 PM Post #97
ADVAnCED MEmBER Posts: 381 Group: AOCM Member #2,422 Joined: June 29, 2007	ongkh Oct 3 2008, 03:22 AM property is an asset Err... Plenty lelong below US$10 in e-bay...



alam	Oct 6 2008, 09:34 AM Post #98
alam Posts: 3,866 Group: Moderator Member #22 Joined: January 16, 2006	Yes, property price goes along with economic condition.



TunYau	Oct 6 2008, 11:09 AM Post #99
SUpER ELiTE SINsIE Posts: 6,585 Group: Committee member Member #608 Joined: June 5, 2006	alam Oct 6 2008, 09:34 AM Yes, property price goes along with economic condition. MOST OF PEOPLE SAY : 1/ KEEP CASH IF YOU HAVE 2/ IF U HAVE FINANCIAL PROBLEM SOLD UR PROPERTY INVESTMENT (NOT THE HOUSE U STAY) CUT LOOSE NOW BEFORE MARKET GET WORSE. 3/ STOCK MARKET ALREADY AT 30 TO 40% DISCOUNT, POSIBLE IT WILL GIVE U ANOTHER 50% DISCOUNT OF THE CURRENT PRICE. (THOSE BLUE CHIPS WITH TRACK RECORDS.) WHEN THE FINANCIAL TSUINAMI HIT MALAYASIA.



seizai	Oct 6 2008, 11:28 AM Post #100
UnWorthY MemBeR Posts: 4,692 Group: AOCM Member #330 Joined: March 12, 2006	ppfoong Oct 5 2008, 10:30 PM ongkh Oct 3 2008, 03:22 AM property is an asset Err... Plenty lelong below US$10 in e-bay... wow... :blink cheaper than avanza



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