NSP

等了两年多还是一直在等股市崩盘，等榴莲掉下来。 呵呵，错过了很多机会，但是学到了忍耐和一些投资知识。 为什么要等股市崩盘才大笔投资呢？因为功利不到家，在崩盘可以买到比较低价而比较稳的大象股。 陆续申请了EPF Account 1的钱放在Bond Fund也有两年了，一小部分在Equity)。这两年来EPF分红也很不错下，看了有点点心痛因为Bond Fund的回报输很多。但是我相信终有一天会等到榴莲掉，那时候几年里就能赚回之前赚少的部分了。由于今年起EPF Acccount1的钱要拿出来比较难了，因为新的计算法已经把条件提高了。所以说之前的累积是对的。 最重要的忍耐力是，你手中有一笔钱然后看到很多人在赚大钱而你就是不要出手。。。。要忍忍忍。 好了发泄完了，继续等待。。。你知道我在等你吗？ *REIT对我来讲不是股票，哈哈是FD.

  in one week time …the Public mutual Foreign Funds can drop up to -9.6% during one week time !!! PFES is the best fund for public mutual over the asia regional …ha ha..drop so much..just invested RM1k , so will not feel so pain for this moment. ha ha the top 2 dropping I also have invested ….PNREF drop over30%!!! sound scary ya!! I will continue invest let see after 5 years time what is the results!!! PRSEC have switch out last year earing is around 11% per year…now is time start to reinvest back a bit by a bit   maybe is not the lower price for now …but I want to start invest a bit (maybe RM200-500 per month ) then when hit the lower point the moment recover back then is the time to harvest !! *let see can do it until the lower point or not!!

哈哈，又在一轮“跳水表演”。。有没有吓到你？马股还不错，蛮顶的。。只是2.2%而已！！ 基本上REIT下不多，ＢＳＤＲＥＩＴ就比较厉害。。。-6.45% 不知发生了什麼事。 原来BSDREIT是前一天收市的时候从1.47〉1.55。。。然后今天1.55〉1.45 当然我的基金就会震荡到咯！！前几天而且还带了一班人用EPF投资了， 可以说进错时间。。。但是有可能一年后又可以说进对时间！！！ 哈哈。。还是慢慢的买吧。。平均8-10%pa的回报对长远基金投资来说，不会太难吧！！ 看来要是时候停止买ＲＥＩＴ，让后开始买真真的股票了！！但是这个月还是会买REIT。。。。QCAPITA , AMFIRST 或是 。。。 基金就会买PRSEC, PFES…要不要来个ＰＣＳＦ？哈哈。。当然indonesia 的基金还是会慢慢买！！！加油！！ 投資大師約翰˙坦伯頓（John Templeton）有一句投資名言---行情總在絕望中誕生，在半信半疑中成長，在憧憬中成熟，在希望中毀滅。  

刚刚在FB看到一个朋友在WALL跟她朋友讲股, 话题是什么股已经过了现在是什么股了,那个那个分析家讲的. 还有就是在论坛上看到一些人还不知怎样算买卖的过程就开始”投资”. 看起来真的有点心寒, 看来是时候慢慢出场了. 问题是要不要把REIT都卖掉呢? 基本上REIT也起了蛮多，但是就觉得还是可以收着因为是拿来收股息的．看来一些Ｒeit是少过7%ＤＹ的应该卖了然后就买高ＤＹ的． 基本上是没抄家会来抄REIT…（七上八下都不知要怎样．．哈哈） ok,看完我的REIT股还是在7%以上，所以会收起来．哈哈．．还是会Continue买Amfirst,或新的REIT collection :) 至于基金呢．．．．．应该会加码（Indonesia Fund）但是会把赚到20%以上的swich去 Money Markert 先． 好了就这样决定．

log in to KWSP (if you first time login , you need go to KWSP office get the ativaion key for log in). After login you will see below screen at side, select kalkulator. After Kalkulator ,select the age then you will see how much you can used for invest.  for the pengeluaran yuo can see for overall you can use from account 1 and 2.

During year 2006 , April have friend come to me ask me want to invest unit trust?? so i also don't know why then just take the money from bank invest to it :) . After 3 year 3 month return is 43.14% , average one year is around 13% ++ . I think still ok ..ha ha ..because during this past 6 month the return is around 65% ++ ..sound scary !! better just move out from the fund to bond fund to parking first :) . (this PRSEC fund 50% ++ is invested to China, so need to wait for while then only switch to other china fund ) Actually during the first and the half year already return 50% ++ , ha ha ha..but at the moment have no idea want to do what..so just continue leave there until -28% ..ha ha ha.. ok , let see what is the next move :)