Dream maker - 梦想家的心声: 2016

Wednesday 29 June 2016

增值?

增值?

增值产业?增值组合?

今天我来谈谈增值, 但我所说的是增值自己。

人是一个会思考的动物,我们只有不停的增值自己,才能进一步的茁壮成长!
增值自己的方法有千万种,今天我来为大家来分享一个最轻松与直接的方法.
那就是聆听988电台。(注:我没有义务为该电台打广告,988也不屑我为它打广告)
988 我觉得是个有深度的电台,本人大多数是聆听以下的时段:

1) 每天的8 am – 相信你还塞在车笼里吧?这个时段是会每一天谈论不一样的课题,而且听众可以打电话进来分享。
我们可以从各个群体的观念来分析其他人的看法,再咀嚼自己的思想,来进一步升华自己的思路。
个人觉得星期五的同样时段简直是放钱进入你的口袋! 988会邀请时事评论员来针对国内最新的话题进行解剖,务求为听众分享更深入层面的观点!

2) 下一个就非星期五晚上的大城小事莫属了。很多人都说聆听他人哭哭啼啼的故事,心里很不是味道。但我却没有这样想!

每一次的聆听都为我的思考带来一定程度的冲击,如下:
1)      家家有本难念的经
2)      还有很多人比你惨
3)      ChanFong大哥一针见血的观点,劝告与辱骂(对于那些打来又不听劝告的人)。
4)      你会更加珍惜你现在所拥有的
5)      很多时候我们人类有难题时,其实心里已有了答案,但这答案要通过其他人的口中告知,那才是他所能接受的最好解决方案。


今天,我学习了。你呢?

Thursday 23 June 2016

Shopback - 省钱??

到底我们要如何才可以省钱?
每个人都会问这个问题。
其实,你在花钱时,就可以省钱。
有此钱不省,天理难容!!
今天为大家介绍一个网站,
Shopback, 一个新加坡的公司,很像是一个购物平台,其实不然。
Shopback与各大平台有了一些协议,只要你透过Shopback点入里面的网站,再用固定的窗口进行交易,你就可以赚取回扣了。
对,你没听错,这些回扣是以金钱来计算,而你还可以兑现!!!
里面的商店就包括了 :
1) LAZADA
2) TAOBAO
3) AGODA
3) ZALORA
4) EXPEDIA
5) AIRASIA
6) GROUPON
7) BOOKING.COM
等等。。
Shopback 如何赚钱就不多说了,它的模式与如何操作就看看以上的影片吧!!
很多时候,往往shopback的回扣比我们的信用卡回扣还多呢!!!如何再“加大”回扣? 在使用一张online cash rebate credit card, 就抵到烂了!!!
你行动了吗?快快在以下网址注册吧。
http://www.shopback.my/?raf=Z4fCNe

Saturday 7 May 2016

Life decision v1 - Full Flexi / Semi Flexi Loan

人就是要不断的学习, 需要不断的增值自己, 才会达到你要的境界, 无论是金融上, 还是其他你所追求的东西。

再来谈谈关于最新的贷款事宜, 话说maybank 与rhb给了我semi flexi 和 flexi.

为什么我没有选basic term? 因为我的目标是把这个贷款早点解决掉, 来让我可以实现其他的目标。

我最后拿了 maybank的semi flex, 放前进去是没有任何费用的, 但拿出来有rm25的费用, 而每次提拿的数额一定要以千为单位。

而市场上大多数full flexi 是有monthly charge, 但你放进拿出是没有费用的。

其中一个考量是因为我Vacant possession的时候有多余的40千, 我可以拿来装修或者做些其他的。只可惜我不是拿来 flipping, 不然可以拿来做另一笔头期。

当然我也算过我这笔额外financing在建筑期间需要多给多少的利息。 在我可以接受的范围( 因为我买在比较高层, 差不多到我的楼层时也差不多Vp了),就拿了。

这笔钱呢, 我一拿到就会放进去我的semi flexi loan account 来节省利息, 我的出发点是这将是我的后备金, 因为那时候我已有足够的装修费, 所以我不会拿这笔钱来装修。

有太多太多东西要学了, 只是看你愿不愿意花时间来了解什么最适合自己, 因为只有你要为你自己的life decision 负责。
当你到了30 40岁才发觉自己为什么以前没有下苦功,你, 就真的是迟了。。。。。

Life decision v1 - Housing insurance 屋子保险

来谈谈MRTA.
我还记得RHB有强迫我买MRTA, 一quote就quote我二十千(35年)。
我看起来像"水鱼"? 须知MRTA的保额会一直减少直到零的。
过后我就又再利用excel计算我的最佳保障在哪里了。据我所知, 很多人连他给了多少钱, 保多久,够不够, 连思考都没有。他们都被"我终于拥有屋子了的假象冲昏了脑袋", 没想到银行用另一个管道来拿取更多的利益。
我的计划/分析如下:
1。先知道你自己的人寿保额是多少。
2。 MRTA每一年的保障表与它的费用
3。MLTA的保障额与费用。
当你整理出这些资料时, 你的情况一目了然。
如果你真的"不再乎"现在买MLTA, 你就买吧。 大多数这些人一直认为人寿与屋子保险应该分开, 但到底你每个月多给的费用, 你有算过你有算过吗?
贷款, 屋险, 管理费, 水電费, 上网费...量力而为。。
所以, 我就在MRTA与人寿做了一个最完美的搭配。其实我第一次要求的是MRTA 15年, 我一看到它的保障表, 差一点从椅子上掉下来。当我第十五年时, 我只有保障50多千, 而我的贷款(如期偿还) 还有300多千。我吓傻了,我的总保障是不够的。。
最后, 原来20年是最完美的。二十年过后我的人寿已经可以保障的绰绰有余了。
注: 我会选择这是因为每个两三年就会检讨我的人寿然后增加我的保障, 所以现阶段我觉得已经足够。建议如果你有很多的dependents, 必须算到有跟高的保障来以备不时之需。

Life decision v1 - 利率 interest rate

谈谈利率吧。
我觉得那些BR高低不应该是你最重要的考量, 最重要的还是你的effective interest rate。
我的例子呢, 第一天我就把所有的文件交上去了。
最快答复的是RHB, 给我一个4.45%的贷款。4。45%???
我的朋友都是拿这个%, 当然我将会再要求低一点咯。每个月相差rm30 - rm40 , 三十五年, 是很大笔的钱咧。他们强调他的是full flexi, 没有monthly charge, 我觉得这满吸引的。
一天后, 老虎银行就通过了. 我在交之前就已经硬推说我要4.40%,竟然过了。。。
然后就陆陆续续的听到Maybank与Ambank讲说RHB的full flexi 是假的,真的是都不知要信谁才好。
当然, 我最后一定是拿了最低的那间银行, 而且他也是我最常用的银行。
后记, 当我决定了之后, RHB竟然说他们跟发展商的panel period过期了, 需要一到两个星期来更新。当然, 这已经跟我没有关系了哦[挖鼻屎]

Life decision v1 - Loans' processing fee

购买房子, 最重要的就是现金流, 不管是投资还是自住。
没有下订金之前, 我就用excel做出了cash flow project。
我觉得每个人如果做出一个这么大的决定, 必须很深入得研究与探讨背后的所得与代价。
对于我来说, 我购买房屋的考虑如下:
1。贷款额
2。利率
3。期限
4。 full flexi 与 semi flexi account
5. MRTA
6. processing fee
可能先讲讲processing fee , 当我读letter of offer 时, 看到了 RM200 的 processing fee。 我的内心OS - 妈的 这样都要给?
当然, 顾客的权利又到了。 我第一次问时agent讲一定要给的, 但过后我问了有投资房产的姑姑, 她说这可以豁免的。
下个工作日, 我直接讲: 哈羅 我是你银行的长期顾客, 薪水, 信用卡都是用你的, 你凭什么还要charge 我 processing fee?????
接着就是banker取申请豁免了。。当然, 最后我一定是没有给咯。。。。。[嘻嘻]
接下来会如何分析和考虑购买房子的其他因素。

Life decision v1

人生匆匆, 很多时候我们都要做一些人生的决定。
分享下, 最近小弟终于置产了。
来也匆匆, 想说去年开始就已经陆陆续续的看着屋子了, 却没有想到这一天这么快到来。
还记得是星期二晚上, 看过了一些屋子的我在网站看到一的广告, attractive package, wangsa maju. 奇怪了, 那不就是最近看到的那几个产业吗?我就预约了星期六早上来看看showroom。我星期日还预约了看midfield sungai besi呢。其实不然, 我没有听过这个project, 因为两年前就开始开卖了, 现在是最后几层的屋子而已, 还起到蛮高了。
当然, 我对于2020年起好的房屋有很大的保留, 谁知道这几年会发生什么啊。。
 850sq ft 3r2b, 有露台,格局满意。问问下package, rebate 10% downpayment, discount 12k 如果一个月里面签SPA, 再 18k 28k 38k (lucky draw) 如果在两个月里面签。
SPA 是570千, 我的真正买价是便宜100 K, 妈呀!!
我是自住, 有投资机会当然我也不会放过。。。[嘻嘻]
我可没打算在condo 住二十年。。
地点ok, 看klcc view, 有direct access 去每一层的carpark, 价钱。。现在都是这个price per sq ft 了。 现在还已经看到一些起好的actual unit, 用的quality 都不错。2018年起好 (但看起来将会比较快了)。
买, 还是不买??

询问了全部人的意见, 女友也ok. 终于。。。。its life decision's time..........
还知道我买的比我两年前购买的朋友更便宜了。。。
星期日, 我带着信用卡去给了booking fee...
很多时候, 人生就是这么奇妙, 突然间, 你就做了这么一个决定。
抽到了28千, 还好啦。。。然后在加了一个car park, 为什么呢?
其实我的女朋友是没有驾车的, 25千多一个carpark..
我就算了算, 最坏打算, rm120租出去, rm120X12 / 25000. 好过定存。。。。。
为何不难? 还可以finance 进去我的贷款。。。。
没想到, 胆粗粗就买了。 哈哈, 朋友问我是rush decision 吗?
我说不是, 因为我已经计算了所有的scenario 和 pros and cons. 这间应该是我的第一间了。。。。。。。




Friday 6 May 2016

心境v1

最近的一段谈话让我有了对自己更深一层的认识。

话说,我的同事A询问了我一个关于屋子的事情。

他的父亲有一栋屋子,他们本来打算搬进去,但临时改变了主意。

A 最近也看着房子,但他询问了我的意见,我说了以下一话。

据我所知,你还有两个妹妹,如果我是你,我将会与他们达成一个共同的协议,这样以后才

不会有什么争执。谁知道若干年后溏心风暴“会上演?

而且,如果我是你的父亲,我不会把屋子给我的大儿子。

为什么呢?
1. 我一定要公平。如果我要给,我就会每一个孩子给一栋房子。不然,我谁都不给,把屋子卖掉,那钱我自己收或者平均分给全部的孩子。
2. 如果那房子我真的要给,我也不会给我的大儿子,我会给我的女儿们。

因为我的女儿们以后将会依赖着他的男人,老公,我要让她们无后顾之忧,以及至少有一些自己的私房钱。

原来出了社会,你的思想会一直改变,或许你的心境更成熟了,但你没有进一步地去的探索,以为自己还在原地踏步。

阅读,将会重朔你的价值观。


唯有不断的分享,你才会更加了解自己。

Monday 11 April 2016

38. My Story / 我的故事 v1

为何我开始用英文写作?
我还记得当我加入现在的公司时,全部交谈都是以英语为主。现在会想起来, 我真的成长了不少。2012年8月之前, 我不曾用过英语交谈一整天。

你问我自卑吗? 当时我是的。
但我做了什么? 我尽力用英语与其他人交谈, 不介意别人的眼光。越不舒适的圈子, 我越想要挑战它。

我的第一年, 打下了英语沟通的技巧, 也证明了本地毕业/学院生可以媲美外国毕业生。

我的思路, 我的行动力, 还有其他其他, 我现在都引以为傲。这都感谢我的父母对小时候的我们的信任与培养。(我的父母是典型的传统华人家庭, 他们没有坐在我旁边陪我读书写字, 大多都是问功课做完了没, 这是因为他们读的书也不多) 


我一直讲说我是一名thinker, 我引以为傲。你还没有表达时, 你的思路应该已经组织好,也想着下一个话题是什么了。

哈哈, 离题太多了。 由于我是华文背景出生, 我已经可以说的一嘴流利的英语, 但我也开始出现瓶颈。 那就是在我的 report writing skills, 我现在积极的训练如何write professionally 和每一天都在学习着新的单字, 要为我本身的未来而铺路。

Life is tough, but you should not give up before trying. 

37. Insurance 11/4/2016

We always talk about investment and financial planing.
But did you keep re-assessing your insurance portfolio that suits your best needs?
To summaries our thought ahead, insurance plans mainly should cover below:
1) Life
2) Critical Illness
3) Medical Card
And all the above cateogies may differ from the respective insurance provider and we will talk more on your ideal coverage.
Life - it means you will get the sum covered when you are dead or permanently disabled
Critical illness - Mostly cover your cancer illness or some other serious illness
Medical - This will cover your hospitalisation expenses, allowances etc.
The above will further break into traditional and investment linked product nowadays.
This article is not meant to tell you on what to buy or what to assess.
It is to document or record my thoughts from time to time. An ideal plan for myself -
1) Traditional Life Plan - Lock in my premium for whatever coverage that I want.
2) Critical Illness - This is a must as you can "cash out" once you are diagnosed with cancer, etx
3) Medical Card - Buy a ONE AND ONLY ONE reasonable medical card that you think can sufficiently cover the potential expenses.
Rationale behind is due to :
You can only utilise one medical card at a time (Unless you have supplemental card that can continue to be used after the first card) and its on a charge-per-use basis.
It also mean that you can't get any additional cash upfront before the operations/hospitalisation expenses are incurred.
I am of the view that you should top up your life and critical illness plan after buying your first medical card. (Medical card and life are in a package and they are sold to you as investment link product nowadays)
The life portion of your current package ( medical card and life) can be tailored and reduce the life premium (as the price in investment link is not locked, meaning you will be paying more and more throughout the years for same life coverage you get)
Meanwhile, I also heard from my agent that traditional package is getting lesser and lesser and the markets are all pushing on investment link product due to higher commisioners earned.
While you are still young, perhaps you can keep the life portion in your plans but you should consider reducing the portion as you will be paying higher premium in investment linked product (although you do not see it now yet)
You might not be able to see the rise of your premium in investment linked product now, but you will see it one day when your residuals cant cover the monthly premium. This often results in cases where the elderly people enter the plans late.
My solemn and honest advice would be still have a wise/fair insurance coverage for ourself and families and please pay efforts to study more on what's happening or latest development in the market.
Last but not least , you are also not encouraged to start your saving plans before buying reasonably sufficient insurance coverage.
Wealth Hunter

Saturday 9 April 2016

36. MyDeposit Scheme @ 9 -4-2016

Najib pleasedly announced a new scheme to help the first time home buyer in Malaysia-MyDeposit scheme
It is undeniably a great news for Malaysia who aims to purchase first home in current volatile market.Due to the sluggish property segment recently, the power of bargaining has been switched from a seller to a buyer nowadays.
The trigger point for this is due to the overblown of property price which has caused an unattainable house owning dream.
This has resulted in a more precautionary step taken by Bank to raise up the bar for loan approvals and BNM eliminates DIBS to prevent further speculating activities.
2016 might be a year for change for lots of us. It is the time for us to have a cheaper/ reasonable housing price, after a skyhigh rocket-shooting surge for the past few years.
Nevertheless, due to the action taken to curb the speculating activities, it has knee jerk reaction which direct/indirectly impacted our serious buyer as well.
As the bar is higher now, we find difficulties in getting the loans to be approved. The debt service ratio (DSR) now can be lower as compared to the prior years and a stringent background check on CCRIS CTOS are now full in place.
To counter htis, lots of measures have also been taken by government to help us on this : PR1MA & Rumah WIP which are lauched at RM300k or below.
The payoff behind the cheaper price are the higher density, more level of multilevel parking and the prohibition of selling the house within 10 years.
I appreciate the scheme launched recently and this does help the needers to attain their first house dream faster.
What is MyDeposit scheme?
1) This is for someone with monthly income not more than RM10,000.
2) This is for first time home buyer
3) Its 10% of buying price or capped at RM30,000
4) Only applicable for houses ranging not more than RM500,000
30,000 of a RM500,000 is about 6% of the total price. It means you get a 6% discount from the scheme.
It sounds promising, right?
So, please remember that you are entitled for the scheme above and apply accordingly to enjoy the benefit of it.
Remarks : This is only applicable for those who obtained the bank loans and sign S&P after the approval of getting the MyDeposit scheme. Tricky play on this - to demand a house which is priced slightly higher than RM500,000 to RM500,000 and below ensure your full entitlement on this. (We have a higher bargaining power now anyways!)

Below are the extraction from the website - http://sprn.kpkt.gov.my/sprn/content/mydeposit-write.html for your reference
SYARAT DAN KELAYAKAN PERMOHONAN MyDeposit
KPKT akan melaksanakan penapisan pemilihan permohonan yang diterima berdasarkan kelayakan berikut :
Pemohon mestilah warganegara Malaysia berumur sekurang-kurangnya 21 tahun ketika permohonan dibuat dan tiada umur maksima ditetapkan.
Permohonan ini adalah bagi tujuan pembelian rumah pertama bagi satu isi rumah.
Pendapatan kasar RM10,000 dan ke bawah sebulan. Pendapatan kasar bulanan termasuk semua bentuk ganjaran hasil daripada pekerjaan atau perniagaan (upah, gaji, komisyen, bonus, elaun dan lain-lain) .
Pemohon mestilah mempunyai kelayakan untuk membuat pinjaman perumahan dengan mana-mana institusi pembiayaan. dan
Pemohon yang layak akan diberikan kelulusan bersyarat dengan tempoh 30 hari untuk menandatangani Perjanjian Jual Beli rumah yang hendak dibeli.
KRITERIA PEMBELIAN PROJEK PERUMAHAN YANG DIBENARKAN
Pembelian projek perumahan yang dibenarkan dibawah Skim MyDeposit ini adalah seperti berikut :
Projek perumahan baharu yang berlesen atau perumahan pasaran sekunder (subsale).
Harga pembelian adalah RM500,000 dan ke bawah; dan
Kelulusan pembelian bagi projek-projek perumahan swasta yang tidak mendapat subsidi insentif dana Kerajaan.
DOKUMEN SOKONGAN
Senarai dokumen sokongan yang perlu dimuat naik di Sistem MyDeposit :
Salinan kad pengenalan pemohon dan pasangan.
Salinan surat nikah/sijil nikah (Jika berkenaan).
Salinan kad OKU/surat pengesahan OKU (Jika berkenaan).
Salinan surat akuan sumpah bekerja sendiri.
Salinan surat pengesahan majikan.
Salinan penyata gaji terbaru.
Salinan penyata KWSP atau penyata cukai pendapatan
Salinan surat pencen( Jika berkenaan).
Muat naik salinan kad pengenalan/MyKid/sijil kelahiran.
Salinan surat tawaran /pengesahan daripada pemaju/penjual .
salinan Sistem Maklumat Rujukan Kredit Pusat(CCRIS) pemohon dan pasangan.
Wealth Hunter.

35. eFD @ 2016-4-7

More and more attractive FD deals are in the market nows!

We always heard that eFD is convenient to place but the return is less attractive as compared with over the counter ("OTC") FD.
But, is it the truth?

Lets pick an example from Maybank (pic)

So, what is the trick that the banks are playing?
Apparently they are restricting the fund from Maybank to be placed in Maybank's eFD agai which means they are demading fresh fund from the market. If you withdraw before maturity, you will be only entitled to half of the interest rates (which are the lower rates).

Also, you cannot have a compounding effect from this through reinvestment of interest.The interest payment is required to be CREDIT to ACCOUNT again. To summarise, there is no snowball impact for you from month to month.

For me, a 4.31% interest rate is pretty decent for those that does not invest in other financial products or those that are looking easiest way to protect their capital.

Is 4.31% attractive?
My answer is both Yes and No.

YES! -Without going to the counter and get a 4.31%, I think its modest. (Of course, can we project that the popularity of eFD becomes the potential reduction for headcount in the banks? - They no longer require such amount of employees to standby on counter)

NO! - Nonetheless, if you read the news, our CPI for February rose by 4.2%. It means, your 4.31% eFD here barely beats the inflation rate. 

From now on, I urge you to wake up and realise that your return is not lucrative enough for your own savings or retirment planning! 

You own your finance!
Wealth Hunter

34. Benefit of writing @ 2016-4-3

Benefits of writing

As what I have promised to myself on the improvement of my report wrting skills, I believe a day to day writing is one of the best way to advance on this.

Lately I like to comment in Investalks forum on my views of lots of thread and I do find some satisfactions there.

Although it is a virtual conversation, I still think that I do make an impact to the society.

Everyone has a different view and this is a fact that you must accept before starting anything.

We are required to be more open-minded and take ownership on your own growth and development. The exchange of thought process or knowledge is valuable, and its pricey to learn from the instructors outside.

I always heard of a custom that the Jews always reiterate, as a man, you must accomplish these few things in your life:
1. Write a book
2. Own a house
3. You have your next generation as your successor.

This hits me well on my thought process. Writing a book, is an interest, and undoubtly its another tool to "meditate" yourself and clean up your thoughts.
I presume you have read 10 books or 100 books a year, you would have only retained less than 10% of it in your brains, and those informations are unprocessed.
The information you gather is someone's thought and it does not immerse your own thinking into it. You will just take and forget about most of the thing inside.
You might not agree on what was written, but you did not show any objection as you did not reproduce the information.

For sometimes, a small recap or summary would be adequate for yourself to reorganise your thought process and reveal your inner heart vis-à-vis the articles/books that you have read.
And this is interestingly mind-blowing especially when you read it back after a long period of time.
You would then appreciate the little time that you have spent on recapitulating while others are playing games, watching movie, surting facebook and instagram.

My ultimate aim is to always achieve a desirable financial condition and give impact to the society.
Perhaps you might challenge that my own financial stability should come first, but why can't I do both simulatenously in my life?
And, this is something attainable by everyone. 
We must take pride on what have we done and what are we going to do next.
If you do not know how to start, I urge you to find a mentor that can inspire you to be a well-rounded person.

From : Wealth Hunter

32. GKENT V2 2016-3-29

GKENT V2
Let's look at the latest quarterly report of GKENT on what had happened for 4Q.
Firstly, the most glamorous and eye-catching line would be the revenue. 
And yes, it is a recorded high of RM267 million a quarter, which is undoubtly the best quarter ever. 
The gross margin remains strong, which has about 20% effective GP margin. 
Nevertheless, the net profit does not increase as expected despite the historical new high in company's revenue. 
We will investigate further on why could this happen.
Dividend declared is so promising and it represents a 40% dividend payout ratio. Perhaps you might think that this is not a big deal for a listed company, 
However, for a meter/construction company, having a net cash >50 cent per share, surge in business performance (apparently also its cash flow) with an increase of dividend payout, it is promising enough for myself.
Meter division recorded a new high revenue becaue of the contribution from its largest single order to-date, received from the Water Supplies Department, Hong Kong.
Well, engineering division is the division that creates the curiosity for all the investors. LRT 3 construction should be only starting after the second half of this year. 
But why could this happen? Existing contract? 
Perhaps it is relating to some recognition of revenue for LRT3 which we are not aware of, but this is definitely a flashy quarterly result that substantiate the profile of the Company.
To recap :
1 GKENT has successfully begged LRT3 project during last September, which can have a tentatively RM4.5million construction value. LRT 3 construction should be kicked start on the 2nd half of this year. Based on 10% profit margin, profit of RM450 million from LRT is close to its market cap today.
2 Net cash position. 
3 Great and increasing dividend payout. If you buy it today, you will earn 3.8% - close to FD rate.
4 Rollovered PE of 6.82 - current price / EPS of newest quarter X 4
Potential risk
1 Cancellation of LRT3 
2 Rise in raw material costs 
3 Higher levy on foreign worker that has been implemented in 
Feb 2016

Conclusion
I always believe in market inefficiency and this is well illustrated in GKENT. The share price does not reflect its order book which close to its market capitalisation today. (remarks: this has also not taken in account the meterring division or other engineering project)
There is definitely no credit risk for such construction project (government related) and the only thing GKENT should do is to manage its cost efficiency to maximise the shareholders' value. 
This is most likely another imitation to GADANG, which you can calculate easily the value of the Company and operate our capital through TA analysis.
The journey of investing in GKENT can be fruitful, meaningful and valuable.
Wealth hunter does not recommend the buying and selling of the abovementioned stock and Wealth hunter might or might not have invested in GKENT.
Invest at your own risk. 
Cheers!

33. 无题·@2016-3-28


CAP-WA        1%
ECONBHD        17%
GKENT 19%
HOMERITZ 10%
OKA        16%
CASH 36%

The data above depicts that percentage of investment while my return on investment for the first 3 months is merely 3.65% for my overall total capital.

If I were to annualise this, 14.60% is made for FY2016.

As I had some cash on hand, which constitutes 36% of my total portfolio, my return would have reached 17.48% if the computation is purely based on my investment amount. 

My construction stocks had been riding up the ladders gradually.

AZRB was awarded a MRT 2 Project, which has caused its share prices to surge tremendously.

Is this relating to me? Some sorts.

Why? From the past experience, we can always see that ECONBHD obtaining some contracts from AZRB. 

The latest in this FY2016 already have 2 contracts from the same company. Is ECONBHD a potentially beneficial from this?

OKA is also catching my eyes due to its dividend yield. A 5%++ of return, which also matches the construction theme, is absolutely a fair and wise play for current year.

OKA has been performing consistently with flashy dividend yield. This is a moat to the current volatile market and of course, this is a buy - more and more - stocks.

Invest wisely and happy investing.
Your investment path, you decide.