Phantom

thats why i better keep quiet.. lol.. ya ya.. wedding bands from where.

i better keep quiet.. fifi and kat disappear liao.. =(

Oh yeah. why not.. come to think abt it. lol.. how to time? got so zun anot.. 6years only 1 time i made a call just nice as market is turning up..

lol.. yeah.. me too.. get ready to wack the market.. i always buy on dips one.. min must be 15% to 20% .. luuuuut the market..

Recessions clear up financial mess. This you have to believe. All equities will move up in time with inflation. As long as you believe in fundamentals, you won't go wrong. There's something called Price / Earnings. "Value investors have always considered the price earnings ratio (p/e ratio for short) a useful metric for evaluating the relative attractiveness of a company's stock price. Made popular by the late Benjamin Graham, who was dubbed the "Father of Value Investing" as well as Warren Buffett's mentor, Graham preached the virtues of this financial ratio as one of the quickest and easiest ways to determine if a stock is trading on an investment or speculative basis." adapted from www.about.com Theoratically, a higher Price Earning / PE means that its the stock is trading "expensive" to its stock price and vice versa. Europe is trading around 13x to 14x PE.. which is cheap considering europe trades easily around 19x PE. US and Japan are trading around 17x to 18x PE, which is also considered cheap. China's valuations are much higher as with India, but the forward earnings looks possible to support growth. Eastern europe is around 12x PE which is also considered cheap from a valuation perspective. Its not easily to predict returns but then again, always buy on dips. but not small dips hor.. lol...

do your sums, you'll understand. I'lll give an example but won't dwell on it.. kat is going to zzzz already.. lol.. A) i give you 100,000 today. B) 10,500 each year for ten years. What option will you choose? The answer is 100,000 today. Time value of money means that with the amount today, which is lessor, I'll be able make my money generate more. As compared to payments over the years. Hence, if you service your loan and pay x amount of interest but your investments generate 7%p.a. for 25years vs. the traditional, you'll only start amassing funds AFTER the loan is paid, but I'll have alot more funds. say example you have a fully paid HDB and 50k CPF balance at the end. I have a loan of 100k left but 200,000k CPF balance.. i every year try to achieve 10% gains.. means 20k compounding... your 50k to generate 20k is 40%.. so go figure on the math.. ok.. end of story.. who else have long hair? xinyi i know..

apart from investing, its good to set aside each person at least 6mths contribution, so can draw on your reserves first before your investment.. and invest into global equities some portion so the downside risks is more spread out.. lose also won't lose as other markets/sectors. But its true that the CPF gives singaporeans options with regards to education/housing which if not imposed, we might not be able to afford housing / a decent education. government is worried that ppl will anyhow spent their money. but it should be proven that the singaporeans who can manage their funds be allowed a mandate to invest their monies to generate a return as compared to leaving inside the Retirement Account. got so cham anot..

lol.. cantona.. too bad u aren't coming by my place. if not i can "borrow" ur psp play play abit.. kekeke..

WAKE UP ALREADY!

Agreed. I have the mentality investing and amassing more CPF.. then pay lump sum in the future.. after doing the sums.. its quite plausible. i feel that ppl should take as much risk as possible younger.. coz old liao very risk averse.. scared of losing the hard earned monies. the general rules are the same. but some ppl don't dare to do that..

True, but alot of high net worth ppl welcome the use of leverage i.e. borrowing at cheap rate to invest and gain the difference. e.g. if the cost of funding is 3% and I believe that equity markets can generate an average of 8%. why not?

Yeah.. he's stimulas package.. haven't out.. already "stiumulated" global economies.. ha ha ha... Invest. For sure. Let the markets pay for your home.

what powerful ppl? now we on the topic of super heros ah? lol too many installments will kill one.. sigh... i also got abit.. me not like u all so free leh.. got to work one..

lol.. yeah.. he's so called stimulus package very lousy...

yeah.. i'm the more serious one..

ha ha ha ha.. clients are calling fast and furious.. lol.. Hang Seng drop like crazy today. Sensex (India) halt trading.

different. 2000 was Nasdaq overvaluation of stocks. Tech stocks those days were at valuations THROUGH the roof.. meaning that if you had lost money then, keeping those investments meant you would most likely never be able to get your money back. Today's valuations for most stocks are pretty decent.. cheap in quite a few aspects.. but ppl still selling off the stocks. no fundamental reasons behind it. just irrational fear. But i do understand the feeling, i changed jobs during that time.. and alot of ppl said i was crazy.. work in privatised step board affiliate but wanna quit.. crazy.. lol.. i thought we are now on the honeymoon topic? Confused.

lol... that bad meh? US going into recession has been on the talks for the last 12 mths.. to me, its a foregone conclusion. recession is always good, it returns the market to a state of normalcy.. its like a flushing the bad stuff out of the system. mess up my house? lol.. you never fail to amaze me... are we now back on the da bao topic? Sorry, no cheques. Cash only. what if cheque bounce? lucky for me. most folk aren't that savvy.. savvy also good.. means that they understand me when i'm talking.. lol... i think this year can relak liao.. markets almost every day "Lau Sai"

if doctors know so much about markets.. then i'd be out of a job. ... My motto is buy on dips..

lol.. if i use to work at my old firm.. die liao.. i think share price drop more than 55%

today big drop again.. lol.. but USD rebound very sharply.. kekeke.. very good for me.. STI open drop 70 points..

lol.. markets in my favour today.. must come in early to do some stuff mah.. you gals.. report for work in RT huh? lol

lol.. morning folks.

definately co-incidence

Dude, you are still young. Nope not the SRS account. Retirement Account (RA) .. its a combination of the OA/SA all merged after 55. (if i'm not wrong)