Timing and You

28 April 2016

Why HIGHER Fixed Deposit Rate is a BAD news to you ???


Maybe due to the unfavourable market environment, many people are flocking to place their money in bank Fixed Deposit. Coupled with aggressive FD promotions dished by almost all the banks recently, it was like an "FD heaven" win-win situation for both banks and depositors.


Why "win-win" situation?
You must understand why banks are willing to offer you higher FD rate, especially during uncertain business environment currently. Obviously, it's all because lacking of money.

Why is this BAD news to some of us?

27 April 2016

New Fund: Global Dividend Fund by AmFunds Management Bhd


Dividend fund has always been the favourite of investors during high volatile market environment, just like what we are experiencing currently. The fund aims to provide income and long-term capital growth by investing in the Target Fund which invests in global equities.



Which is the Target Fund? And, how is the performance?

23 April 2016

What is EPF e-Pengeluaran for Education ??? (April 2016)

Being one of the most efficient government related department, Employees Provident Fund (EPF) announced another facilities called "e-Pengeluaran Education" to facilitate the withdrawal of money easily and conveniently online via EPF i-Akaun.



What are the types of EPF withdrawals available through e-Pengeluaran?

a. Buy/Build House
b. Reduce/redeem housing loan 
c. Housing loan monthly installment.
d. Education (New launched)
e. Health Withdrawal (Coming Soon)



The "5E" for your ease of dealing ?

08 April 2016

NEW 2016/2017 List of EPF Approved Funds. Does your fund being SUSPENDED ???


The Employees Provident Fund (EPF) has revised the list of unit trust funds approved under EPF members investment scheme (EPF MIS) for 2016/2017 period which was from 1 April 2016 till 31 March 2017.


The list of unit trust funds offered under the EPF MIS is evaluated annually based on the criteria established by the EPF and approved by the Ministry of Finance Malaysia. Any fund which falls below the minimum requirement will be suspended and will not be offered during the period.

24 March 2016

The End of the Chinese Miracle ???

Chinese market has been in the prime spot light ever since the first trading day of 2016 due to several reasons. And, as an investor, we can't ignore the fact that China is playing a crucial role in world's economy nowadays, and will becoming more important in 21st century. This is for sure. But, do you really understand China ???

With this, Financial Times has recently published a documentary video on this and it's worth to spend 15 minutes to watch it.

This video looks at China’s slowing economy and dwindling labour force and investigates how once upon a time one of the world’s most powerful and populous country’s has finally reached a critical new chapter in its history.

Watch the video here

Not enough?
You can find out much more in depth about China here (
click here)...

30 January 2016

[EPF Revised 2016 Contribution] 8% or 11% better ???

One of the much talked about topic of the day when our PM revising the 2016 Budget again just after 3 months from tabling it late last year, the EPF contribution of employees will be reduced by 3% to 8% (from current 11%).


The new revised rate which will take effect for the period between March 2016 till December 2017, was to put more money into your own pocket, and hoping that you will spend it to rejuvenate the half dead economy. By doing so, you're contributing to the economy and back to the coffer of government via GST.


What do you think ?
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