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发表于 31-8-2019 09:49 PM
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发表于 31-8-2019 09:55 PM
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quadro 发表于 31-8-2019 09:49 PM
通常我是等有优惠的时候才 cash out 信用卡里的钱
就算银行要赚都是 annual fee, 但我会准时还钱
我不曾做过 balance transfer
因为不划算, 除非我真的没办法还那笔债务.............
想问下 y ...
我和你一样，有 promo 才拿，通常是银行打给我。
对，1000是纯股息收入，不包括炒股。股息收入当然没fix，要看老虎头，cimb 继续赚钱维持派息才可以 |
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发表于 31-8-2019 10:06 PM
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发表于 1-9-2019 09:38 AM
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quadro 发表于 31-8-2019 10:06 PM
还有银行 call 你, 那你应该是他们的大户
是纯股息那是很不错了, 但你也应该投了不少钱吧?
不包括那些股息再投资计划之外
你投入的资金也不少
新加坡和大马换算差不多200k资金 |
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发表于 1-9-2019 11:16 AM
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发表于 1-9-2019 01:48 PM
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5% 已经跑赢很多人了。
大大的目标是什么? 和我一样每月吃股息？还是打算靠 capital gain，比如说一年目标10% 20%？
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发表于 1-9-2019 03:27 PM
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我的目标和你一样, 都是每月拿利息
但我拿的利息是从租金那里得到 
至于每年拿一次的利息是从 amanah saham, 公积金和定期存款那里得到...........
capital gain 我不怎么会去在乎多少巴仙, 有多的话就当作零钱
我比较在乎的是我的被动收入
我需要一直提升我的被动收入, 若有多余的前我会拿来炒然后当作是 capital gain
以前 amanah saham wawasan 2020 的 dividend 是 6% 或以上, 现在已经掉到 5%
所以我要寻找 6% 以上的回酬 
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发表于 1-9-2019 04:10 PM
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quadro 发表于 1-9-2019 03:27 PM
我的目标和你一样, 都是每月拿利息
但我拿的利息是从租金那里得到
至于每年拿一次的利息是从 amanah saham, 公积金和定期存款那里得到...........
capital gain 我不怎么会去在乎多少巴仙, 有多的话就当作 ...
租金？大大是包租公吗？
我认同你说的，capital gain 对我来说有是bonus。主要还是注重股息收入 |
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发表于 1-9-2019 04:10 PM
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quadro 发表于 1-9-2019 03:27 PM
我的目标和你一样, 都是每月拿利息
但我拿的利息是从租金那里得到
至于每年拿一次的利息是从 amanah saham, 公积金和定期存款那里得到...........
capital gain 我不怎么会去在乎多少巴仙, 有多的话就当作 ...
租金？大大是包租公吗？
我认同你说的，capital gain 对我来说有是bonus。主要还是注重股息收入 |
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发表于 1-9-2019 07:38 PM
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对, 在早些时候家人买了屋子和店屋然后再出租出去然后我负责管理........
每月都有固定的 passive income, 然后维持大概有五年的时间
而我的另外一个 passive income 不能每月给利息, 但需等到 maturity date 后才有
租金收入和定期存款 - 每月
epf, amanah saham, 定期存款和股票 (存股息) - 每年
目前租金的收入和定期存款的贡献是持平
然后我会将租金和定期存款的收入放置在 epf 和 amanah saham 身上
至于薪水, 我会每月将薪水里的 1/7 的分配在 epf 户口里
在这里我所提到的 epf 户口是年长人士的户口............
但我预计明年 epf 的回酬会下降至 5.7% - 6%
所以在今年至年尾我会继续加快我的投资步伐, 使到我的 passive income 继续成长, 玩 capital gain 就别啦 
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发表于 1-9-2019 09:01 PM
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本帖最后由 quadro 于 1-9-2019 09:03 PM 编辑
The world's biggest wealth manager says it's time to sell stocksLondon (CNN Business)Happy Tuesday. A version of this story first appeared in CNN Business' Before the Bell newsletter. Not a subscriber? You can sign up right here.
For the first time since the eurozone crisis, the world's biggest wealth manager is bearish on stocks.
In a note to investors, UBS Wealth Management Chief Investment Officer Mark Haefele said that the group, which manages more than $2.4 trillion, has shifted to an "underweight" recommendation on equities.
The bank advised its wealthy clients to lower the proportion of stocks in their portfolios following President Donald Trump's decision to raise tariffs on all exports from China by 5% last Friday.
Here's why: "The US-China trade dispute has escalated in recent days, raising the risk of a cycle of retaliation that undermines global growth and equities markets," Haefele said. "That justifies a reduction in risk in our portfolios in order to lower our exposure to an uncertain political environment."
There's no arguing that geopolitics have sent stocks on a wild ride in the past month, largely driven by the president's haphazard moves on trade. Take a look.
Haefele said UBS (UBS) still thinks the United States can avoid a recession in 2020, helped by additional easing from the Federal Reserve and strong consumer spending.
And he cautioned that investors shouldn't sell stocks "as if they were preparing for a typical recession or the next Great Financial Crisis."
But UBS makes clear it does not see the current environment improving. "Downside risks are increasing for both the global economy and markets," Haefele said.
Watch this space: The leaders of Corporate America are also selling stocks, my CNN Business colleague Matt Egan reports from New York.
Corporate insiders have sold an average of $600 million in stocks per day in August, according to TrimTabs Investment Research, which tracks stock market liquidity. August is on track to the be the fifth month of the year in which insider selling tops $10 billion.
Read more: Insiders are selling stock like it's 2007
Here's our reality check on US consumers
Readers of this newsletter know that market bulls have been pointing to the strength of the US consumer as evidence that the economy has more runtime.
Retail sales in July beat estimates. And Walmart (WMT), seen as a bellwether of consumer spending, raised its guidance for the rest of the year. Such resilience, the thinking goes, is enough to offset some of the problems we're seeing in the manufacturing sector.
The question now: Can consumers keep holding up their end of the bargain?
We'll get fresh evidence on Tuesday, when the Conference Board releases its Consumer Confidence Index for August. The index rebounded in July after a sharp decline in June, driven by an escalation in trade tensions.
Investor insight: A recent University of Michigan survey showed that sentiment declined in early August. Investors will want to know if the Conference Board data mirrors that trend.
Up next
It's another light day for earnings, though investors in consumer staples may watch J.M. Smucker (SJM), which reports before the US market open.
Also today:
- The S&P Case-Shiller Home Price Index for June arrives at 9 a.m. ET.
- The US consumer confidence reading for August hits at 10 a.m. ET.
Coming tomorrow: How has Tiffany & Co. fared amid weak global growth?
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发表于 1-9-2019 10:55 PM
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quadro 发表于 1-9-2019 09:01 PM
The world's biggest wealth manager says it's time to sell stocksLondon (CNN Business)Happy Tuesday. A version of this story first appeared in CNN Business' Before the Bell newsletter. Not a subscriber ...
通常这些消息出。股市会莫名奇妙起。 |
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发表于 1-9-2019 11:20 PM
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背后的庄家在装神弄鬼? 
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发表于 2-9-2019 12:24 AM
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发表于 2-9-2019 12:38 AM
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【中美贸易战】美国消费者买鞋多付40亿美元
发布于 2019年09月01日 14时11分 • 最后更新 10小时前
美国于周日（1日）起，总值对3000亿美元（约1.26兆令吉）的中国货物加征15%关税，首阶段涉及1120亿美元（约4710亿令吉）中国货物。有美国鞋类进口商估计，民众在圣诞节期间可能多付40亿美元（约168亿令吉）购买鞋子及靴子。
根据外媒的报导，首阶段加征关税的货物包括电视、智能手表、尿片、鞋类及运动用品等，多达69%美国采购的中国货物加关税，目前的税率是29%，本年12月15日加征第二阶段关税后，近99%美国从中国进口的货物将受影响。
自特朗普政府发动贸易战以来，中国进口贷物的平均关税由前年的3%剧增至24.3%。
为了避免把成本转嫁予消费者，有零售商尝试逼使供应商自行负担。 三藩市一名电脑硬件店东主透露，因供应商已加价10%至20%，他亦准备把中国制产品加价。 美国商会执行副会长、国际事务负责人薄迈伦（Myron Brilliant）称，担忧加关税可能令每名美国消费者每年多付1000美元（约4205令吉）。
新闻来自东方日报
这样加税, 看来要通货膨胀了 
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发表于 2-9-2019 09:50 AM
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巴生谷购物商场SHOPPING MALL供过於求，很多商场营运陷困，建购物商场包赚大钱的＂黄金年代＂一去不复返；然而，最坏的时机，却是实力雄厚财团的最佳时机，丹斯里谢富年的双威集团(SUNWAY 5211）就是在逆市大举出手的财团。
未来四年，双威集团计划豪掷22亿5000万令吉兴建新商场或扩大现有商场面积，并看好商场未来前景。
双威集团要建新商场的州属地方包括柔佛州，槟城北海和怡保，22.5亿令吉的投资，将使该集团增加300万方尺可租用面积。
新商场建好後，双威集团拥有的购物商场数目将增至9座，总可租用面积达到727万1000方尺，成为国内最大的商场供应集团，成为我国的＂购物商场大王＂。
双威集团拥有的商场可租用面积，会是柏威年集团(PAVILION)的五倍，谷中城(MID VALLET)的四倍。
#SUNWAY雙威集團
#丹斯里謝富年 |
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发表于 2-9-2019 11:58 AM
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明明爱伦 发表于 2-9-2019 09:50 AM
巴生谷购物商场SHOPPING MALL供过於求，很多商场营运陷困，建购物商场包赚大钱的＂黄金年代＂一去不复返；然而，最坏的时机，却是实力雄厚财团的最佳时机，丹斯里谢富年的双威集团(SUNWAY 5211）就是在逆市大举出手 ...
谢谢分享 
是一个值得敬佩的企业家之一
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发表于 2-9-2019 01:10 PM
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yeey3e 发表于 31-8-2019 09:24 PM
我喜欢银行股，有机会自然多多吸纳。管你是什么人，要买房买车总要借钱。
就算是新加坡，我也持有 ocbc。反正经济好坏，已借钱的人都会想办法还钱。
没钱的人，也会想办法借钱，尤其是透支信用卡，那费用真 ...
每个月RM1000股息。。。
12个月 X RM1000 = RM12000一年
这个不是小数目啊。。。
应该持有很多股了 |
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发表于 2-9-2019 07:33 PM
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来无影 发表于 2-9-2019 01:10 PM
每个月RM1000股息。。。
12个月 X RM1000 = RM12000一年
这个不是小数目啊。。。
应该持有很多股了
比上不足，比下有余。积少成多 |
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发表于 2-9-2019 08:00 PM
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明明爱伦 发表于 2-9-2019 09:50 AM
巴生谷购物商场SHOPPING MALL供过於求，很多商场营运陷困，建购物商场包赚大钱的＂黄金年代＂一去不复返；然而，最坏的时机，却是实力雄厚财团的最佳时机，丹斯里谢富年的双威集团(SUNWAY 5211）就是在逆市大举出手 ...
爱其实他的 sunway reit不错 |
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