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If you do not sell, you do not lose money, yet. (better buy low though…)

The thing about investment is this. We invest and we wait for that investment to appreciate. Assuming we bought a home for own-stay of RM500,000 with a downpayment of RM50,000 and it has appreciated by RM50,000 after 5 years. The return based on a simple calculation would be 100 percent. RM50,000 downpayment and RM50,000 returns. … Read moreIf you do not sell, you do not lose money, yet. (better buy low though…)

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Disruptive with huge losses? Not for me.

I need to pen this down because I know I will refer back to it many years later. I disagree with companies which keep getting ever more money from investors simply because they are ‘tech-related’ and thus deserves to focus on GROWTH instead of profits. The unfortunate thing about growth here is that the growth … Read moreDisruptive with huge losses? Not for me.

Drop in household net worth is scary.

What if the property we are staying now dropped in value? For example, from the usually transacted RM500k, it is now usually transacted at just RM400k? We have lost RM100k on paper. If we sell, we have lost RM100k in cash. If we have holdings in the stock market and a bear market arrives, we … Read moreDrop in household net worth is scary.

Q3 Higher profits (marginally) for IJM Corp – property and infrastructure

Is the property market in a crisis? Common question from many. Besides looking at the banks’ set of results (earlier article here) we could also look at the results from listed property developers. For the developers which are not listed, it’s hard to gauge but most of the prominent developers are listed. When the market … Read moreQ3 Higher profits (marginally) for IJM Corp – property and infrastructure

EPF’s 6.15% return? I think it’s great (for 2018).

I like the previous CEO of EPF. (Earlier article here). I think a good CEO can do a lot, regardless of company. For current one, we will only know in a year or two later on the results. EPF has just announced the payout for 2018. I know, everyone has their own version of what … Read moreEPF’s 6.15% return? I think it’s great (for 2018).

Weakening currency means strengthening demand?

Malaysian developers do not only build in Malaysia. They build everywhere, especially in a country favoured by many Malaysians who wish to find a new home; Australia. Here’s a good news and bad news, depending on ones perspective. The Australian Dollar (AUD) is actually weakening. It hit a 10-year low just recently even though it’s … Read moreWeakening currency means strengthening demand?

Budget deficit is on track. SST is helping.

Nomura Global Research has just downgraded Malaysia again. Nomura Global Research advises its clients to ‘underweight’ on Malaysian equities. (In brief, they are asking investors to sell Malaysia and look elsewhere) It said, “Our economists believe there is a high risk of fiscal slippage and the possibility of a sovereign ratings downgrade that could trigger … Read moreBudget deficit is on track. SST is helping.

Timing? Buy when the price is low, always.

I love to buy shares of companies with little or no debts. I hate companies where investors keep pouring new money though it has been running at a loss like ‘forever’ (over 5 years) and these new money is used to subsidise new POTENTIAL customers and then they (the company’s management) tells everyone that their … Read moreTiming? Buy when the price is low, always.

Biggest stock decline in 87 years is definitely a shock

A good friend told me that he just bought 10,000 units of a dividend stock 2 weeks ago. I think this is the right way to go. If we are still looking at the stock market for quick wins, it may also be a quick loss too. Then, this news appeared today:  US faces biggest … Read moreBiggest stock decline in 87 years is definitely a shock

Important sign for the property market too; BANKS’ results

When banks are earning higher profits, that’s good for all industries, right? Basic idea, yes. This is because in a bad economy, businesses will not be borrowing too much for expansion. Banks will also be really selective as they do not want their Non-Performing Loans (NPLs) to go up because there will be some borrowers … Read moreImportant sign for the property market too; BANKS’ results

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