Posted by Alex™ > 2018-06-10 23:52 | Report Abuse

Dave Ramsey said if you're not a millionaire by the time you retire, it's your fault.

Posted by Alex™ > 2018-06-10 23:53 | Report Abuse

His simple extrapolation, with just 100 dollar per month into the low cost index fund, from 20 something until the time u retire, you will get at least 1m nest neg

Posted by Alex™ > 2018-06-10 23:53 | Report Abuse

But then u know la, extrapolation... Hope that in future the stock will always one way huat... Like buffett also say he is always optimistic on the America economy

Posted by abang_misai > 2018-06-11 02:00 | Report Abuse

Hevea sudah menjunam

Posted by ks55 > 2018-06-11 11:04 | Report Abuse

Why make life so difficult?

Put your money in Reits.
Save all your trouble.
Getting 6-8% return plus appreciation in properties over time.

Just find out what are the Reits you should avoid for the time being.
Find out what are the Reits best invested right now.
You can always reshuffle among them.

Posted by Alex™ > 2018-06-11 11:05 | Report Abuse

adui, reit is not without risk also leh~ if guaranteed 8%+ yield then i just all in and goyang kaki until 55 =D

Posted by ks55 > 2018-06-11 11:17 | Report Abuse

My advice is don't think Unit Trust Managers will help you more than themselves.
Find out how Public Mutual cheats.
If any stock recommendation provided by Public Invest Analysts can be taken as yardsticks, and Public Mutual Fund Managers buy up those stock based on the half-past six analysis, Public Mutual should go bankrupt by now.

In 1997/98, many unit trusts went burst, but their managers were better off.
Worst case scenario was facing firing squad for they lost all their clients' money.
They were able to enrich themselves more when market crash............

Posted by Alex™ > 2018-06-11 11:18 | Report Abuse

research shows that by following every buy/sell recommendation of IB, you perform worse off than the index fund.

Posted by ks55 > 2018-06-11 11:21 | Report Abuse

Malaysia ETF is artificially supported.
How about the yield?

Posted by cherry88 > 2018-06-11 11:24 | Report Abuse

Hi KC. I enjoy reading your article. a bit of comments...maybe you could "shorten" your article by focus on main point / topic rather than evaluate too much and we as reader may "loss focus". Thanks

I just read today Sin Chew (11Jun2018), and agreed with what it say inside the "investment class" topic....in conclude, we need to "simplify", "contrarian" and "open minded" in investing by not just follow what other experts are doing ....

Posted by Alex™ > 2018-06-11 11:26 | Report Abuse

cherry, cannot like that leh, u must behave like the 90% of the water fish, newspaper say buy u buy, newspaper say sell u sell....if not how can IB huat and buy yatch? =)