Defamation Suit to get a Response - Disgraceful.

[hockbeng]

When it comes to equities, it has nothing to do with bourses, it's all about when you get in and when you get out.

For example if you put money into Nasdaq during the first dotcom bull run, you'd still be waiting to make your first dollar of profit.

I actually know someone in exactly that position.

nobody ask you to go all in at one trade
use dollar cost averaging

 

[ginfreely]

It is NOT a good system because you pay so much into it and get a negative return. Because of the CPF, you are paying for overpriced social housing.

There are pension plans that are sustainable and provide much better returns, the Canadian Pension Plan is one instance.

Of course your CPF funds is safe when the value of it is eroding by the year! The fund manager is making 20 percent returns and paying you only 2.5 percent when inflation is at 4-5 percent.

I read before even Malaysia EPF target the return at above inflation rate. Malaysia boleh! Our Singapore government really no standard to pay us 2.5 percent interest rate for CPF!

 

[winnipegjets]

I read before even Malaysia EPF target the return at above inflation rate. Malaysia boleh! Our Singapore government really no standard to pay us 2.5 percent interest rate for CPF!

Greed is the driver of PAP policies. Malaysian politicians are greedy but they don't dare to touch the EPF. For the PAP, nothing is out of bounds.

The CPF coffer is empty. Every policy is a band-aid to delay the inevitable expose.

 

[Thick Face Black Heart]

When it comes to equities, it has nothing to do with bourses, it's all about when you get in and when you get out.

For example if you put money into Nasdaq during the first dotcom bull run, you'd still be waiting to make your first dollar of profit.

I actually know someone in exactly that position.

Sam,

I know that market timing is viewed by many to be risky, hazardous, "best left to professionals", and so on. The layman however can use very simple rules to greatly enhance their portfolio returns.

During the boom times, do not invest all your money at once. Keep a portion in cash or in safe, investment grade bonds. That will enable you to invest heavily when the recession hits and everyone has panicked out of their positions.

You don't have to buy at the exact bottom. No one can. All you have to do is to start averaging in bit by bit over a period of, say, 12 months.

When the market starts to top out again after several years (we are currently at that juncture), you can then sell some of your holdings and wait for the next correction to come. Better still, as the market rises, you should actually be disciplining yourself to take partial profits on the way up. For every 30% rise in the market, sell 5% of your portfolio, or some methodology that you feel comfortable with.

Buying low and selling high is hardly rocket science but it is seldom practiced because people act in herds and give in to the emotions of both greed and fear.

 

[winnipegjets]

Sam,

I know that market timing is viewed by many to be risky, hazardous, "best left to professionals", and so on. The layman however can use very simple rules to greatly enhance their portfolio returns.

During the boom times, do not invest all your money at once. Keep a portion in cash or in safe, investment grade bonds. That will enable you to invest heavily when the recession hits and everyone has panicked out of their positions.

You don't have to buy at the exact bottom. No one can. All you have to do is to start averaging in bit by bit over a period of, say, 12 months.

When the market starts to top out again after several years (we are currently at that juncture), you can then sell some of your holdings and wait for the next correction to come. Better still, as the market rises, you should actually be disciplining yourself to take partial profits on the way up. For every 30% rise in the market, sell 5% of your portfolio, or some methodology that you feel comfortable with.

Buying low and selling high is hardly rocket science but it is seldom practiced because people act in herds and give in to the emotions of both greed and fear.

Sam has invested all his funds with the PAP-linked hedge fund.

 

[Thick Face Black Heart]

Let's move on to more important issues like how to achieve financial independence by 40. It's a far more challenging and interesting topic and achieving this goal would truly liberate many of you. It would make CPF a non issue as you'd be able to retire far earlier than any legislated age the government could come up with.
.

Can you please revive your retirement thread.

 

[Confuseous]

cut him some slack, bro
as a father of some young children, he would need some time with them

Ya, this is the same clown who said that he missed seeing his father growing old.

This is the clown who announced to all and sundry that he would change things from within if elected.
Famous last words of those who get seduced by fame and money.
Seriously, how do these people write such stuff (or have such stuff attributed to them) and sleep well at night?

 

[zhihau]

This is the clown who announced to all and sundry that he would change things from within if elected.

he's not the only one who wanted to change things from within... TS, VB, et al...
*the clock stopped, never to go again, when the old man dies... *

 

[davetan3]

Who pays for the Canadian system, if I only give 2.5 % of my salary and can get 30% of wages from age 60 for 75 years, whats the catch?
Plus indexed to inflation somemore !
No wonder so many people wanna emigrate there.

 

[ginfreely]

Greed is the driver of PAP policies. Malaysian politicians are greedy but they don't dare to touch the EPF. For the PAP, nothing is out of bounds.

The CPF coffer is empty. Every policy is a band-aid to delay the inevitable expose.

From today's newspaper report on EPF, they are doing well and can list down the various percentages invested in equities and real estate etc. Sure sound more transparent than Singapore CPF. Do we even know the equivalent info for our CPF?

http://www.thestar.com.my/Business/...l-boosted-by-strong-stock-market-performance/

Published: Tuesday May 27, 2014 MYT 12:00:00 AM
Updated: Tuesday May 27, 2014 MYT 7:48:26 AM

EPF asset size swells to RM597bil, boosted by strong stock market performance

 

[winnipegjets]

From today's newspaper report on EPF, they are doing well and can list down the various percentages invested in equities and real estate etc. Sure sound more transparent than Singapore CPF. Do we even know the equivalent info for our CPF?

http://www.thestar.com.my/Business/...l-boosted-by-strong-stock-market-performance/

Published: Tuesday May 27, 2014 MYT 12:00:00 AM
Updated: Tuesday May 27, 2014 MYT 7:48:26 AM

EPF asset size swells to RM597bil, boosted by strong stock market performance

God knows how our money is invested ...they said it fetches 20 percent return but they can only afford to give us 2.5 percent interest.
That's as transparent as you get from the PAP.

 

[escher]

Ya, this is the same clown who said that he missed seeing his father growing old.

This is the clown who announced to all and sundry that he would change things from within if elected.
Famous last words of those who get seduced by fame and money.
Seriously, how do these people write such stuff (or have such stuff attributed to them) and sleep well at night?

he's not the only one who wanted to change things from within... TS, VB, et al...
*the clock stopped, never to go again, when the old man dies... *

God knows how our money is invested ...they said it fetches 20 percent return but they can only afford to give us 2.5 percent interest.
That's as transparent as you get from the PAP.

STINKIES ARE FUCKING CLOWNS
THE ONE THING PAP SHOW VERY CONSISTENTLY IS THAT THEY TELL LIES AFTER LIES AFTER LIES

THE OTHER THING PAP SHOW CONSISTENLY IS THAT THEY ARE MORAL COWARDS MORAL FILTH MORAL GARBAGE PRETENDING TO BE MORAL COMPASSES





MAKE IT VERY CLEAR THAT THE FUCKING PAPs ARE SCREWING AND SUEING THE SINGAPOREANS
AND NOT JUST ROY

PAPs ARE ATTACKING SINGAPOREANS BY THIS ATTACK ON ROY
PAPs ARE FIXING THEIR PIANO WIRES AROUND THE NECKS OF SINGAPOREANS
PAPs ARE FIXING THE NECKLACE OF BURNING CAR TYRES ON THE NECKS OF SINGAPOREANS
WILL SINGAPOREANS REMAIN HEAD DOWN DOWN AND ARSEHOLES UP HIGH HIGH FOR PAPs TO FUCK
AND TO TIEW AND TO TIE PIANO WIRES?

TURN UP AT THE RALLY AT HONG LIM TO SUPPORT ROY AND SHOW PAPs WE FIGHT THIS TIME
ENOUGH IS ENOUGH


Hang those PAP maggots cockroaches with piano wires from lamp posts to make them dance before it is too late and we have no more CPF to get back.
BBQ those PAP maggots cockroaches before it is too late and we have no more CPF to get back.
Cut a few more arseholes into those PAP maggots cockroaches to let out their shit before it is too late and we have no more CPF to get back.
Make those PAP maggots cockroaches eat joss sticks and candle wax before it is too late and we have no more CPF to get back.


GET RID OF THE POISON IN SINGAPORE
HANG ALL THOSE FUCKING PAPs AND THEIR COLLABORATORS
BBQ THE BASTARD PAPs

AND SINGAPORE CAN BE AS GOOD IF NOT BETTER THAN SWITZERLAND

OR REMAIN HEAD DOWN DOWN AND ARSEHOLES UP HIGH HIGH TO BE FUCKED TO BE TIEWED TO BE KANNED BY THE PAP MAGGOTS COCKROACHES

Kill them all PAPs
Let GOD sort out the good from the really bad ones
The good PAPs can then eat joss sticks and candle wax from time to time
The bad PAPs like smear of shit on sole of shoe LKY will be raped and tiewed and kanned by legions of ghouls and demons and not ever
get time off to eat joss sticks and candle wax

Hang those PAP maggots cockroaches with piano wires from lamp posts to make them dance before it is too late and we have no more CPF to get back.

BBQ those PAP maggots cockroaches before it is too late and we have no more CPF to get back.

Cut a few more arseholes into those PAP maggots cockroaches to let out their shit before it is too late and we have no more CPF to get back.

Make those PAP maggots cockroaches eat joss sticks and candle wax before it is too late and we have no more CPF to get back.


None of those in PAP work for anyone but that smear of shit on sole of shoe LKY, to help him hold down Singaporeans to screw and fuck hundreds of BILLIONs from us all into smear of shit on sole of shoe LKY stinkapore sovereign funds.

They are there in PAP because LKY know that they are a bunch of self serving greedy bastards and scrapings of scums of society. To call them maggots cockroaches will be to insult real maggots and real cockroaches.
LKY will never allow good decent people into the PAP and good decent people will not want to get into the PAP.

Those in PAP are the most corrupt and moral degenerates and moral bankrupts and moral filths that are being presented to stinkaporeans as moral compasses.

Despite the leeching and fucking of singaporeans by the cheebye PAP and LKY, Singapore still managed to survive to date.
Despite their being hung as a fucking millstones around the necks of Singaporeans and the idiocy and corrupt manipulations of PAP and LKY, Singapore still not dead yet.

WE ALL ARE NOW WAITING FOR THE DEATH OF LKY IN COMING DAYS OR WEEKS.
WE ALL WILL YUM SENG AND YUM SENG AND YUM SENG AGAIN AND AGAIN DANCING SINGING ON TABLE TOPS AND STREETS

WE THEN WILL SEE THOSE IN PAP WITH SHARPENED KNIVES HOOTING ARSEHLOON A DOZEN NEW ARSEHOLES AND THE DEATH OF THE ENTIRE LEE KWA CLAN

WE THEN WILL PICK UP PIANO WIRES AND HANG ALL THOSE REMAINING PAP AND THEIR COLLABORATORS FROM LAMP POSTS AND SEE THOSE BASTARDS AND BITCHES DANCE.
AND HAPPINESS WILL RETURN TO OUR LAND.

AND STINKAPORE WILL BECOME SINGAPORE ONCE MORE.

https://www.torproject.org/about/overview.html.en

 

[ginfreely]

God knows how our money is invested ...they said it fetches 20 percent return but they can only afford to give us 2.5 percent interest.
That's as transparent as you get from the PAP.

I think for a long time, many Singaporeans think that 2.5 percent is actually not bad compared to the 1 and below percent bank interest rate. Myself included, until I realised that in countries like Australia, benchmark for salary increment or interest rate return should be against inflation rate of CPI plus X percent. That is how it should be done.

 

[mojito]

CPF returns to citizens is very reasonable what. But borrowing money from you and then devaluating the currency is not. After all, the gov has some degree of control over inflation. When you consider the age of withdrawal to be delayed, an annuity scheme that is loss making, and a public housing plan that deliberately reduces your balance saved for retirement, one has to wonder whether existing funds have been mismanaged. After all, who can forget the long term investments made by the PM's wife in 2007?

 

[rushifa666]

Attended a savings seminar and the lecture was mainly about how 20% of salary has to be out aside for retirement. Buts that's referring to cash in hand. The scum have twisted this very sound formula by insisting CPF money is actual money. You can't buy even food with CPF. Neither can you repay anyone with it. It is insolvent. Perhaps the uneducated old folks can be conned. But there is no excuse for a working person to even listen to this bullshit