Intelligent Investment Plan (if one has the extra cash to stash away)

[zinglicious]

Properties market is like share market from the last 3 years where it had zoomed in 50 mph. From Denai Alam where units booked at Rm400K, it is being sold at Rm660K after the handover of keys in 2 years or sales in Bandar Sri Damansara where value or 350k zoomed to 700 at the same period.

But it is all gone with the latest Bank Negara rulings for small players. Only big players in selected localites can withstand any fallouts. Small players would lose out. The big players buy multi units in the project. They engage agents to sell at whatever before the local owners could even blink! Even those units meant to be kept as rental basis is done either quickly by the agents with multi units at thier disposal while single owners are holding the units while awaiting tenants.

So stay out of the properties market for quickies monies.

[Rhiga]

Please reconsider what you are looking for. Your holding period is only 1 year max. You should not even be looking for investment plans at all. You should be looking at maximizing the efficiency of your money, not returns. Please pay attention to the difference. At most find the best yielding FDs or Principal Protected Products or very short term Bond funds. Nothing else.

You don’t have holding power. You don’t have time working on your favor. And you are gambling the biggest best investment you could ever make in your life: your children’s education!

But if you feel you need to do something with your fund for the next 1 year else you cannot sleep, then take max 20% of your stash to invest. And if your kids’ destination are overseas, consider this product from banks: Dual Currency Investments and pair to the currency where your kids’ will have use the cash.

Perhaps the above is the best advice based on the available info..

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That is a reason why I said in my earlier post about nothing much to gain if the quantum of the money is less than 300k.

For private tertiary education in Malaysia, I guess the cheapest is the twinning program.

For example, it would cost about 200k to complete a (3+0) twinning program in enginnering, and 200-300k for a (2+1) twinning program where the final year is in the overseas campus.

Hence, with less than one year investment time, I doubt any low-risk-low return product such as the principle-protected or the guaranteed fixed return can yield tangible difference compare to FD.

[SiangMalam]

I think that whatever you do, it would be wise to stay away from the multi level gold investment companies. I think those are ponzi schemes.

Investing in a gold mine in Sulawesi? Aluvial contains 12.10ppm Gold (Au), 4225ppm Copper (Cu) and 1950ppm Silver..........

[charis14]

I will suggest you go along with IanQ's advise. Main reason : you need the funds next year. Can park in short-term auto-renewal fixed deposits if you want the opportunity to withdraw in event of opportunities which may crop up along the way.

Also, the fact that you can solicit advise gives me the impression you may not be too familiar with the investment scene. I have paid my dues over the past decade and realise that not all 'professional' advise will yield profits which beat FD rates. Of course, most will be able to show fantastic yields during bull runs. However, we are now facing a stock market with low opportunity for gains but high chance for correction. Is it worth the risk?

While waiting for opportunities, may I suggest you learn up which ever investment scene you wish to explore so that you can make your own decision. Be very careful with (a) the difference between buying & selling price, (b) agent's fees & (c) government taxes, etc.

[Eeugene]

I bought an apartment in Penang (Tanjong Bungah) for RM340K in Oct 2011. Two weeks later, at the time of signing the S & P, the agent asked me if I want to let go and the price quoted was RM400K. Last month, my immediate neighbour sold his unit for RM500K. Does this consider as good investment...?

[zinglicious]

I bought an apartment in Penang (Tanjong Bungah) for RM340K in Oct 2011. Two weeks later, at the time of signing the S & P, the agent asked me if I want to let go and the price quoted was RM400K. Last month, my immediate neighbour sold his unit for RM500K. Does this consider as good investment...?

it is not only good but great investment in this situational capital play!

Your outlay is not 340k but 34K at the time of S&P. Even now assuming that you have gotten the bank loan, minus the legal fees, bank charges and taxation, you still make a gourmet meals as now the selling is price is more than 500K! (500K- 340K =170K) Therefore, your 10% capital outlayof just 50K would gives you 120K ( taxation nnot included ).

Now that would superseed the bank investment miles apart where I would say it is an intelligent investment by far befitting your nick of U genius.

Many double agents I know of makes the same cooking the same way - when they see an under value properties and sell it before even the S&P is being signed where the capital outlay is even smaller. They did it with just 2% of the offer to purchase ( before the S & P which the other 8% is being paid ) and sell it the buyers. Outlay of just RM6,800 but profiting 60K in just matter of weeks! Tax free sumore and no stamping fees

[zinglicious]

I will suggest you go along with IanQ's advise. Main reason : you need the funds next year. Can park in short-term auto-renewal fixed deposits if you want the opportunity to withdraw in event of opportunities which may crop up along the way.

Also, the fact that you can solicit advise gives me the impression you may not be too familiar with the investment scene. I have paid my dues over the past decade and realise that not all 'professional' advise will yield profits which beat FD rates. Of course, most will be able to show fantastic yields during bull runs. However, we are now facing a stock market with low opportunity for gains but high chance for correction. Is it worth the risk?

While waiting for opportunities, may I suggest you learn up which ever investment scene you wish to explore so that you can make your own decision. Be very careful with (a) the difference between buying & selling price, (b) agent's fees & (c) government taxes, etc.

Even Warrent Buffet cannot surpass his earlier mutual funds as times goes by......And most of all, those investment funds carriy a warning sign -
"This is for lllustration purpose only. Future dividend or projection are not guaranteed ".

[SiangMalam]

If I tell you a USD100,000 investment in a good gold / copper mine or an iron ore or iron ore sand mine can bring you a return of a million in USD in 2-3 years, you guys will call me crazy, too good to believe and perhaps it is a ponzi scam! But I will say it here, It is true and its a normal thing in Kalimantan and Sulawesi...

And perhaps the returns might be better in Myanmar now that the country is opening up to foreign investors and the sanctions are being lifted. Ask Lato Tupai when he returns from Myanmar, I think he is somewhere in Mandalay looking at some opportunities... he brought some folks there to review some investment offers...

Myanmar is rich in gold, nickel and perhaps iron ore... an early entry into the mines could be low cost... but be forewarned the infrastructure in Myanmar isn't as supportive as those in Kalimantan or Sulawesi. Indonesia has a matured support industry like leasing of gen sets, excavators, bulldozers, wheel loaders, tipper trucks etc... and good network of roads and air travel! Indonesia has countless big airlines like Garuda, Lion Air, Nusantara, Sri Wijaya, Merpati Air, Mandara Airways, SriNusa etc... Myanmar don't have this!

[Rhiga]

If I tell you a USD100,000 investment in a good gold / copper mine or an iron ore or iron ore sand mine can bring you a return of a million in USD in 2-3 years, you guys will call me crazy, too good to believe and perhaps it is a ponzi scam! But I will say it here, It is true and its a normal thing in Kalimantan and Sulawesi...

And perhaps the returns might be better in Myanmar now that the country is opening up to foreign investors and the sanctions are being lifted. Ask Lato Tupai when he returns from Myanmar, I think he is somewhere in Mandalay looking at some opportunities... he brought some folks there to review some investment offers...

Myanmar is rich in gold, nickel and perhaps iron ore... an early entry into the mines could be low cost... but be forewarned the infrastructure in Myanmar isn't as supportive as those in Kalimantan or Sulawesi. Indonesia has a matured support industry like leasing of gen sets, excavators, bulldozers, wheel loaders, tipper trucks etc... and good network of roads and air travel! Indonesia has countless big airlines like Garuda, Lion Air, Nusantara, Sri Wijaya, Merpati Air, Mandara Airways, SriNusa etc... Myanmar don't have this!

Bro,
Good to hear from you after a relatively long time !!

Yup, minerals excavation is a high return sector especially in countries which are rich in unexplored resources but hungry for investment money.

Bro, individual’s desire for financial needs and threshold in financial risks is different…There are people who are aggressive and treat financial endeavor as a part of life.... there are people who choose to have a plain, peace-of-mind type of simple life..

I suppose when one reaches 40+, he should know and understand what he wants and what he is able to get in life, financially and materially..

For example, people like me who had worked as a salary man for my entire working life is looking for a comfortable, stress-free type of semi-retirement life now.

Well, it crossed my mind to retire years ago but what the heck I am going to do with the rest of my life. Hence, hanging on a simple desk job in town, spending enough time with family would be the focus of my life now..

Maybe when the kid grows up and pursue his interest elsewhere, then open a small pharmacy store in my hometown Melaka to kill time...or if I really piss-off with this land, go to the little red dot or other countries to be a 2nd class citizen…


Cheers

[IanQ]

Many good investment ideas here. But investment plans and endeavors need to suit the investor’s psyche and profile. Serigala, hopefully you take this into account.

Another side of investment which many of us don’t pay attention is the preservation of wealth/income as resources. Do consider taking on medical insurance to protect oneself and loved ones so as not to deplete one’s resources.
Life insurance or term life should only be seriously considered if it is to protect the life-style of one’s dependants. Don’t let insurance agents sell you things that are of irrelevant and/or over-insured as well.

Think of money as resources to maintain one’s life style or pursue one’s dream, no more no less. It is something to protect and focus just for that. After that, focus on more important things in life!

[zinglicious]

Not a very intelligent investment - http://thestar.com.my/news/story.asp...090&sec=nation

100 complaints were reported to be conned by investment scheme and perhaps as many as 10,000 being conned troughout Malaysia!

[kuma]

Bro,

Maybe when the kid grows up and pursue his interest elsewhere, then open a small pharmacy store in my hometown Melaka to kill time...or if I really piss-off with this land, go to the little red dot or other countries to be a 2nd class citizen…

Cheers

No need to go elsewhere. ......we are still pretty good, so say this Economist.

Malaysia has diversified, competitive economy and healthy banking sector, says economist......

Quote: "Malaysia's economy is diversified, competitive and has a healthy banking sector, says a Senior Economist at ABN Amro Group Economics.

Maritza Cazebas said these were positive points to soften the impact of a global economic slowdown.

She said the Malaysian economy performed well during the first quarter of the year.

"But the slowdown of the global economy and weak external demand are weighing on its outlook. Malaysia remains one of the countries most highly exposed to external demand"....Link

See....we still the best!!....this is surely a Blessed country....Like I've said before, God's Pet'

[kuma]

Not a very intelligent investment - http://thestar.com.my/news/story.asp...090&sec=nation

100 complaints were reported to be conned by investment scheme and perhaps as many as 10,000 being conned troughout Malaysia!

This one is BIIIIG!

Stretches across many countries and lotsa people...seems that [quote] "Members came for the meeting from Selangor, Penang, Perak, Negeri Sembilan, Johor, Sarawak; including Singapore & Iran. Amount run up to US$400m worldwide"

You can find out more at this FB Page.

When are people ever going to learn that there's 'No Such Thing as a Get Rich Quick Investment Scheme'....even if there ever is one,....sorry, but most of us are not in the 'Club' to be invited in

[Rhiga]

No need to go elsewhere. ......we are still pretty good, so say this Economist.

Malaysia has diversified, competitive economy and healthy banking sector, says economist......

Quote: "Malaysia's economy is diversified, competitive and has a healthy banking sector, says a Senior Economist at ABN Amro Group Economics.

Maritza Cazebas said these were positive points to soften the impact of a global economic slowdown.

She said the Malaysian economy performed well during the first quarter of the year.

"But the slowdown of the global economy and weak external demand are weighing on its outlook. Malaysia remains one of the countries most highly exposed to external demand"....Link


See....we still the best!!....this is surely a Blessed country....Like I've said before, God's Pet'

I believe this economist came from the same school where your 1pm studied his economics

Well, just pay me half of what he is getting paid to write this rosy stories, I can rewrite his article that bolehland would be a place that even angels from heaven would want to migrate to this land !!!

[creativ]

No need to go elsewhere. ......we are still pretty good, so say this Economist.

Don't believe what economist/analyst/brokers say.

Look what happened in 2001 Dot-com bubble? 2009 US Real Estate crash? People were optimistic before the crash, look what happened?