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ckeenkheong85

MYB Babe
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About ckeenkheong85

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    Preemie Babe
  • Birthday 06/19/1985

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  • Location
    KL
  1. Hi, You need to understand what kind of investment is that. There is no such investment which can said is secure, there is some form of risk in there, except the investment which offer you guarantee return. Gold is a type of hard currency which means is a standard currency which accepted by all. Gold you will not get any dividend or interest. You buy gold only going for capital appreciation which same like "buy low, sell high". What you should know about gold investment is, the time-frame is longer, don't expect to be selling it off by 2-3 months, for gold normally for long term investment, minimum time frame between 1-3 years cause it takes time to push up. The gold price which will be stated in spread which consist of bid-offer. Due to the reason of longer holding period of this investment, it might be a turn off for most investors. Why? First, you need to tie up your funds with the commodity. Second, in case of emergency it might not be so flexible to convert to cash. Third, due to reason without any yield during the holding period of the investment which mean without cash flows, investor might not like it. But, if you do not mind to use the funds anytime and committed to this type of investment, yes you may proceed, remember every investment there is certain level of risk in there. If you choose to earn fast money from gold like trading in futures, then you are consider a speculator not an investor. Regards, KK Cheong
  2. Hi Stryker, May I know what kind of company you are working with (Bank?) ? What kind of housing loan they (did they apply from bank) provided to you? I need your details before I can give you any answer. Regards, KK Cheong Financial Consultant (017-569 2117)
  3. Hi, I can't said whether this is the good time or bad time to invest, but right now is consider value investing is a more appropriate. Currently, there are a lot of bargain investment in the market since most Stock Markets already drop from the peak. Depends on your investment objective and risk appetite. If you choose value investing, no matter what stock you are buying, as long the stock is under a good management and in a healthy position, this is a good company to hold to weather the storm but if you choose to gain in terms of capital appreciation, you might choose to speculating or taking a higher risk than value investing. Right now can be consider using "dollar cost averaging" technique is consider suitable. As for managed funds, is a mixed funds which in between fixed income funds and equity funds, it also have considerable of risks. So it come back to the basic question, your investment objective and risk appetite. You should remember, "High Risk, means Higher Return or Loss" Hope it help to enlighten you. Regards, KK Cheong Financial Consultant (017-569 2117)
  4. Hi, I'm Financial Consultant, over here I can give you advice which related to your daily financial situation/needs. Such as, are you having trouble with your credit card debts or even your mortgage loan problems. Whether you are thinking of re-finance, re-structure your debt anything related to managing your finance. If you have question, you can ask me, and what's more, my teaching and all my services, you no need pay a single cents (without any string attach). Even the question regarding investments like stocks, FD, property which u need some highlights, do let me know. I shall give you detail explanation plus is free. Hope I can help everyone to clear something in their mind and free u up from financial headache. Regards, KK Cheong (017-569 2117) Financial Consultant keenkheong_85@hotmail.com
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