@lastdisciple You don’t need to learn a lot of stuff about investing. Don’t try and be “clever”. Find a website or app in Malaysia that lets you invest in the US markets (you don’t have to do US but at least follow ETF philosophy). The ETFs such as vanguard VOO (Google such things) are very diversified, computer selected best performing stocks that charge less than 0.1% per year. They out perform almost all other investments. Don’t chop and change, just sit and hold. If you are scared of market now, drop in a chunk every month or 2 over the next couple years, preferably keep doing that every moment or so no matter how small. Don’t follow the news, don’t get scared, sit and relax
For sake of argument, I you get MYR 200k ~ 250k to invest, which investment will you do?
- Thread starter tanner1991
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lastdisciple
New member
@lastdisciple The right time is yesterday 
No the classic saying is time in the markets not time the markets. As mentioned, if you are scared about current volatility follow “dollar cost averaging”
It’s going to go up. It’s going to go down. If you are looking at needing money in like 20 years don’t worry ( look what everyone says now, I wish I bought apple in 2001, look at the overall markets on a 20+ year scale not 1 week or 1 month. There will be another war or covid or housing crash. The news will flash “5% drop today” you never see “market creeped up 10% over 1 year. It’s kind of rigged like that.
If you pay someone to tell you what to do they will be the biggest winner. They will consume more than 20% -50% of your potential gains.
No the classic saying is time in the markets not time the markets. As mentioned, if you are scared about current volatility follow “dollar cost averaging”
It’s going to go up. It’s going to go down. If you are looking at needing money in like 20 years don’t worry ( look what everyone says now, I wish I bought apple in 2001, look at the overall markets on a 20+ year scale not 1 week or 1 month. There will be another war or covid or housing crash. The news will flash “5% drop today” you never see “market creeped up 10% over 1 year. It’s kind of rigged like that.
If you pay someone to tell you what to do they will be the biggest winner. They will consume more than 20% -50% of your potential gains.
lastdisciple
New member
@lastdisciple It’s not really a hedge it’s pretty much a given. Inflation raises prices, thus raises revenue therefore giving more profit over the same cost. This in turn gives a natural rise in the markets. Prices don’t follow wages or banks. Schools don’t teach this, they don’t want us to know.
@tanner1991 Just don't "invest" in investment courses by those "gurus", 99% are trash.
@tanner1991 It really depends on where you are in life, what your risk appetite is, how much debt you currently have, whether you want to be a homeowner, expected spending in the future etc etc.
Personally, for long term holdings, ETF's for exposure to US equities and high value/blue chip malaysian stocks for exposure to malaysian equity.
Money Market funds to park semi-liquid cash for short to medium term (4 months spending worth), Fixed Deposits to park extremely liquid cash (2 months spending worth).
And of course, don't invest more than what you're willing to risk.
Personally, for long term holdings, ETF's for exposure to US equities and high value/blue chip malaysian stocks for exposure to malaysian equity.
Money Market funds to park semi-liquid cash for short to medium term (4 months spending worth), Fixed Deposits to park extremely liquid cash (2 months spending worth).
And of course, don't invest more than what you're willing to risk.
peacefulrestlessness
New member
@tanner1991 Who: Long term investor (10 years++)
What to invest: VWRA
Where to buy: IBKR
Why: Time in the market beats timing the market
When to invest: Now
How: Guideline
What to invest: VWRA
Where to buy: IBKR
Why: Time in the market beats timing the market
When to invest: Now
How: Guideline
@tanner1991 A question like this takes into account various different factors but most importantly age, risk tolerance, investment timeframe and the subjective value of 250k to you.
If you are 32 making 200k/year with 500k in savings, that would at most be 5 years of savings so you have the option to YOLO it by going to high risk high reward area OR play the long term game of investing OR mixture of both.
Personally, I am very risk adverse and I have at the very least 30 years of career years ahead of me so I will choose the long term route, mostly.
Here’s how I would break it down:
EPF : 50k self contribution to let the interest compound over time.
Unit trust and dividend yielding stocks : 100k
Crypto : 10k for speculative coins just as a gamble
Property : I know this is popular but just based on my personal preference, I would not be keen to explore this investment option.
If I didn’t already have extremely liquid emergency fund of 6 months, that’d be where my remaining 90k would go. Either that or I’d just shove them into more unit trust and stocks/epf. My personal stock preference is financial sectors (maybank/pbb) though I bought plenty in airasia and nestle too.
If you are 32 making 200k/year with 500k in savings, that would at most be 5 years of savings so you have the option to YOLO it by going to high risk high reward area OR play the long term game of investing OR mixture of both.
Personally, I am very risk adverse and I have at the very least 30 years of career years ahead of me so I will choose the long term route, mostly.
Here’s how I would break it down:
EPF : 50k self contribution to let the interest compound over time.
Unit trust and dividend yielding stocks : 100k
Crypto : 10k for speculative coins just as a gamble
Property : I know this is popular but just based on my personal preference, I would not be keen to explore this investment option.
If I didn’t already have extremely liquid emergency fund of 6 months, that’d be where my remaining 90k would go. Either that or I’d just shove them into more unit trust and stocks/epf. My personal stock preference is financial sectors (maybank/pbb) though I bought plenty in airasia and nestle too.
papakinate
New member
george_sky_walker
New member
@papakinate true, mutual fund is shit
@tanner1991 I think a financial planner would be appreciated for a larger sum like that - but note, just make sure you are not investing in his products . A financial planner will help give context and meaning to your investments to suit you and I think that's the most important thing. It should fit your risk tolerance, timing, what you want to buy, etc