Sell everything and buy Armada and go to Holland. Yes, everybody need oil, but the producers are threatening to pump oil until kingdom come. US shale producers warning they will come back and pump some more if oil reaches $40.
All the world's storage tanks are full. They even rented those supertankers and park them outside hong kong just to store the excess oil cause they cannot find anymore empty tanks. We need 2 years just to clear this excess.
I just love oil. Very soon it will be cheaper than water.

e&e, oilpalm & timber product counters...why sell when sales going up?

Good analysis. Thanks. Its not easy to reverse a major currency trend like the us dollar vs ringgit. Those who think ringgit will keep going up better look at malaysia's economy. Do you detect any positives. Nothing is going right so how can the ringgit go up.

congrats icon. there must be something useful in those articles that attracted 3 million views.

thanks icon for your giving your insight and reasons for your portfolio rebalance. Its logical and intelligent.

mr wealthy ? my foot.

Be greedy when others are fearful, buy when everybody is selling. If you cannot understand this simple logic, you should not in the market. You better go and hide in your coconut shell.

The funny thing is when these jokers jump in, the 10% smart investors will be busy selling to them. How many times does this story have to repeated before these jokers learn anything.

Soros is shorting the market and he is making negative comments like China hard landing, Europe falling apart, US raising interest rate too late. He will make billions if the markets believe him and sell off.

if you believe in all this crap, your head will be full of negatives, you will go into depression. As you watch more and more cnbc and Bloomberg and George Soros, you will believe that the world is coming to an end. Remember 2012 the movie...they can make you believe anything. And you call yourself mr wealthy? George Soros is trying to short the market and gullible people
like you are falling into his trap. That's why Soros is the real mr wealthy and you are the mr poor and depressed but trying to be smart.

Everyday, we should all stop thinking about money for a moment (esp for i3 members)and start thinking about what makes us happy. You will be surprised that what really makes us happy has got nothing to do with money...like a run in a windy park or a smile from a loved one. After all, life is about being happy.

It is your right to reject their applications for whatever reasons but you have no right to shame them in public like this. What do you hope to gain from this. I feel sad reading these letters. So much hope and so much struggle yet you show no compassion at all. Why ?

stimulating...your article not the sea cucumber.

this guy announces projects and then shiok shiok cancel them just like that after making some money from the market. Believe it or not.

The fundamentals has not changed. We are still in deep shit. So what?

4.4 mil in assets at age 64 and still worrying. I have much less than you but I am already travelling round the world enjoying my retirement. I suspect your problem is not money but you have a problem in coming to terms with your retirement life.

I thought I could retire comfortably by investing in icap because of the good track record of the fund manager but to my deep disappointment the fund has only performed in the first few years. I sold everything when I retire. Although I did not lose money but the underperformance is really disappointing. I cannot believe there is no company worth to invest in the past few years in Malaysia. There are some good companies making profits year after year.

Just one Rule to win.
Rule No.1 - Buy when market is plunging, sell when market is rallying. Do nothing when market is sideways. Repeat a few times a year.

sell first, talk later in this market.

take the money provided it is not a donation from the middle east. ha. ha.

if a company makes profit and wants to pay good dividend, why doubt it. join the party. if somebody want to give me money, I will take it anytime.

120/390= 30.7% payable in Oct (3 mths) , where to find ?

if I can look backwards, I will sai lang all on kossan. If I sell my house in 1996 at $280,000 and buy kossan, I will have a cool $2 million now. see how easy it is, you stupid property speculators.

@awesome, cpteh is GOD. 100% win, no joke. just read his posts. everyday is win, win and win.

if you want to win 100% all the time, pray to cp teh. his record is 100% win. believe it or not.

i don't give a damn if all the property speculators jump from their empty condominiums. they are the scum of the earth and the lowest form of human life.

Very informative article. thanks. I have the same experience myself. Sometimes, I wonder why patterns fail. Now, I know it is the big players who are playing all these tricks.

Money like age is just a figure. God will press the reset button and it will be reset to zero when we die. Go ahead and make money but don't forget to spend it to exchange for happiness. Happiness should be our ultimate goal in life. Money is just a supporting tool. Once you have enough money to sustain a reasonable std of living for yourself and your family, getting more money does NOT make you happier. At this level, you can be happier by doing things that you like that have more meaning to your life.

You can analyse until you are paralyse or you can just go with the flow. Join the party but remember to leave before it is over.

if you think fundamental analysis can solve the problem of low returns, just look at icap.biz. Underperforming because fund manager thinks market is overvalued after performing lots of analysis. Has lots of cash now but "nothing to buy". Waiting for years for market to crash but market keeps going up. FA can also be suicidal in a market crash because it makes the investor overconfident that the stocks he/she have selected can withstand a market crash instead of cutting losses. A good example is icap.biz holding onto Parkson. Parkson went above $10 a few years ago but fund manager did not sell because he thinks it is still undervalued. Now Parkson is trading at 2.10. I rest my case.

As Warren Buffet advises, just buy an index fund and you avoid paying all the unnecessary costs and expenses.

coldrisks, you can get the info from P Mutual website and they will announce in all the major newspaper about new funds launching.

Public Mutual always launched their new funds at the market peak because this is the best time to get SALES as investors are at their most optimistic. The investors who buy their new funds will always be buying stocks at their peak prices. Shortly after, the market corrects and PM and its agents will somehow manage to convince these investors to look at the long term 3-5 years, if possible, keep it there forever. 1.5% x 5 years = 7.5% management fees to PM and agents. Somehow, PM always win. Do I need to tell you who are the losers? If the market crashes, they will tell you to practise dollar cost averaging. Put more money in to support their bad investment decisions. More sales and service charges again to the winners!!
The timing of the launching of PM new funds corresponding to market peaks is so accurate, I have been using it as a signal to get out before the market crashes.

You should ask your friends who invested in Public Mutual overseas funds especially the China funds. Just ask them how much they have lost in 5 years. It will open your eyes.

If you invest in unit trust, you pay 5% service charge when you buy. After that they deduct 1.5% annually as management fees quietly without you knowing it. Wonder why your fund is losing money or under performing even though the market has gone up? They show you all the "good" past performance and nice charts of their funds but the performance has not taken into account of the fees. It is downright misleading for the ut companies and agents to market their funds using these past performance charts.

reading this article gives me a headache....and I still don't understand what you are trying to say.

Unit trust companies like to use this data to "frighten" prospective customers to "save & invest" in their funds. They will Photostat thousands of copies of the "Save or Suffer" article to pass to their customers. Unfortunately, these unit trust funds cannot give you the returns required for your comfortable retirement because they charge excessive service charges of 5% and yearly maintenance charges of 1.5%. You buy and you lose 6.5% immediately in the first year and 1.5% every year if you don't sell.
The agents get 3% from sales and 0.75% every year from your money. You may lose 50% of your investment, but the ut co and agents still get their fat commissions. There are better alternatives if you want to save and invest and NOT suffer.

so meow meow is a running cat. I see. But not so good in maths leh. 39 + 15 = 44+. I hope you don't use this kind of maths std in your stock trading.

don't look down on rubbish. they can be recycled and repackaged and sold to greedy investors.

fill up all your cars today. buy if you think price is going up. same principle with share trading.

i think it is the way you write that gets to people's nerves. Just read the 3 comments above. You seem to be confused and keep contradicting yourself. Are you a novice or a expert ? If you are a novice, please don't talk like an expert. If you are losing, please don't talk like you are winning. If you are not in i3 forum, why are you here?
Please leave us alone.

cpteh, what's the point of blogging when your writing creates so much unhappiness, scepticism and even anger among so many i3 members. You should try to make the world a better place not do the opposite. You should look at yourself deeply to see why you have so much negative comments from i3 members. Why? If you still cannot see it, please take a look at the top 10 percentage gain posted above. Can you beat them or do you always start shooting only when the war is over and claim credit for winning the war?

if your housing loan interest is more than 6.75%, it is better to withdraw from EPF account 2 and pay down the loan. you will save on the interest differential.

Most people overestimate their investment ability and pay a heavy price for it by losing all their EPF money.

Do not take your EPF money to invest in unit trust because their average return is about the same as EPF and you have to bear all the risks and may even get negative return in bad years. EPF is the biggest investor in the market and can kill off even the largest unit trust fund. Your unit trust agent may tell you otherwise but he or she is only interested in the commissions. Remember it is you who have to bear the loss, while they go on their annual incentive trips to overseas destinations.

if one person can bring down the country's economy, then it shows that the economy is in deep shit. I think all the household debtors, real estate speculators, banks and generally people and companies carrying big debts will be shaking now. Once the first domino falls, it will gather speed and become an avalanche. People who buy 10 properties with bank loans....well sorry, you won't be laughing all the way to the bank....you will be on the way to the highest condo to jump.

going by the same logic of this article, aren't those people who speculate in properties, real estate agents, property investors clubs in cohorts with greedy property developers the same "enemies of the country" because they push prices of properties beyond the reach of millions of ordinary Malaysians who just wanted a roof over their heads.

i prefer the beautiful and romantic scenery of big foot hill and Saint Anne church anytime compared to the traffic jams, congestions, container lorries, concrete jungle and mindless development at Juru or Alma. Thanks for the beautiful photos.

we should start praying to cp teh. he is like a god. he wins 100% all the time.

trying to support their corporate customers. it is so obvious.