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LCF on Personal Finance
Communicating Insightfully Simplified Financial Concepts and Issues Affecting your Wealth & Future
This is a personal finance blog from a Malaysian...
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Blog moved to: howtofinancemoney.com
LCF on Personal Finance ― The new URL for LCF on Personal Finance is at howtofinancemoney.com (more)
Lieucf ―
Posted on Jan 15th, 2012
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LCF on Personal Finance featured comments in Personal Money magazine, twice!
LCF on Personal Finance ― Here's the November 2011 issue of Personal Money Letters to the EditorAnd here's the December 2011 issue. (more)
Lieucf ―
Posted on Dec 10th, 2011
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The 4th & Perhaps the Most Important Question to Ask a UTC before you Invest in Unit Trust
LCF on Personal Finance ― I previously suggested 3 basic, must-ask questions for a unit trust consultant whom engages you for investment products sale.Before continuing to read further, you need realize that investment carries risk. If you are not at this stage yet, then you... (more)
Lieucf ―
Posted on Dec 4th, 2011
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What You Are Actually Investing in a Fixed Income Fund.
LCF on Personal Finance ― Fixed income fund is touted as the safest asset class in unit trust investment. However, is it as safe as fixed deposit?NO.Fixed income funds invest in government and corporate bonds. I previously wrote about bond and how bond prices affect you bond... (more)
Lieucf ―
Posted on Nov 29th, 2011
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LCF Answers Readers' Question
LCF on Personal Finance ― Question 1In my previous post on calculating total insurance needs, a reader remarked that by liquidating all Mr Lim's assets, it essentially means there is neither a house nor liquid cash for his family to stay and use after his death. This is... (more)
Lieucf ―
Posted on Nov 27th, 2011
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A Convenient Way to Check Insurance Policy Cash Value
LCF on Personal Finance ― e-Connect is Great Eastern web-based service for policyholders. With e-Connect, you can:• View and download your Life Insurance Premium Certificate(LAPC) • Check your policy details and values• Download form for transactions• View Investment... (more)
Lieucf ―
Posted on Nov 23rd, 2011
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How to Evaluate Retirement Annuity Plan
LCF on Personal Finance ― Retirement planning is one of the often overlooked aspect in personal finance. By the time one realizes the significance of a retirement plan, he usually discovers that there are only a few years left to retirement age. The primary focus for the... (more)
Lieucf ―
Posted on Nov 21st, 2011
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Of Credit Card Limits and Malaysian spending habits
LCF on Personal Finance ― Starting Jan 2012, Bank Negara will impose new rules to credit card usage. This is to manage the debt of credit cardholders earning RM36,000 and below per annum.Below are the rules:The maximum credit limit extended to a principal card holder in that... (more)
Lieucf ―
Posted on Nov 17th, 2011
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Insurance nominee or beneficiary?
LCF on Personal Finance ― As a general rule, all your assets will be frozen when you die. With or without a will, your assets will be used to pay off creditors' claim and outstanding taxes before the leftover is being distributed to your family.I guess by now everyone knows... (more)
Lieucf ―
Posted on Nov 16th, 2011
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Top 10 Reasons I Invest in Capital Malls Malaysia Trust
LCF on Personal Finance ― The thing about Penang properties: the rentals are (relatively) cheap compared to their (speculative?heh) values. Absolutely absurd when it comes to the soaring properties price for the past 3 years. Bear in mind properties investment is illiquid,... (more)
Lieucf ―
Posted on Nov 13th, 2011
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How NOT to Lose Money in Unit Trust (a case study)
LCF on Personal Finance ― I am not a close follower of the unit trust industry in Malaysia. But if you are, you should have read that RHB Islamic Bond fund NAV plunged overnight 8.323% on 24 October 2011.News here at FundSupermartThe reason?Total write down of Tracoma bonds... (more)
Lieucf ―
Posted on Nov 9th, 2011
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Read This before Buying any Financial or Investment Products
LCF on Personal Finance ― A recent read of The Millionaire Teacher: Nine Rules of Wealth You Should Have Learned in School got me thinking on the prevalent conflict of interest in the financial industry selling you financial products in Malaysia. The author, Andrew Hallam... (more)
Lieucf ―
Posted on Nov 5th, 2011
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Fixed Income Fund NAV determinant: Simplified
LCF on Personal Finance ― Assume last year inflation rate is at 3%. You bought a 6% coupon bond with $ 10,000 which repays you in 2 years. So your real net return was (6-3) = 3% annually. This year, inflation rate goes up to 6%. . No one wants to buy the same bond you have... (more)
Lieucf ―
Posted on Nov 2nd, 2011
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A Very Red Market Day
LCF on Personal Finance ― Manufacturing index dropped to 50.8 in October, down from 51.6 in September, a sign of slowdown, according to the Institute for Supply Management. Any reading above 50 indicates expansion. The manufacturing sector has grown for 27 straight months,... (more)
Lieucf ―
Posted on Nov 1st, 2011
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The layman's explanation of: Why Switch to Fixed Income Fund during Recession
LCF on Personal Finance ― Assume that I wish to borrow a lump sum of money from you, which I am going to repay 2 years later. In return, you think you need 10 percent return for the trouble. On top of that, you require a bonus payment of $ 1,000 at the end of each year to... (more)
Lieucf ―
Posted on Oct 31st, 2011
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