CFD trading offers a sensible method to manage your hard earned money. This benefits you in leveraging your bets and with them within your fullest potential. A relatively small market movement can produce major changes with your portfolio. But usually there are some things you‘ll want to understand so as in order to manage your account correctly.
Minimum Deposit : Money lying within the account doesn‘t bear interest. The simplest way to use you money during this case is to stay as less money with your CFD trading account as you can. The very best way usually is to move funds electronically When you‘re trading within your account. This manner you will get the very best of both worlds, the interest from the checking account along with the leverage from CFDs. To do that, you should have a CFD account provider that permits zero balance inside the account.
Understand Withdrawal Procedures : Similarly capital gains should be moved towards the account where they bear interest. Please ensure that there aren‘t any charges for creating withdrawals as you‘ll lose valuable interest if you‘re stuck using the money with your CFD account.
Understand Your Risk Appetite : CFD accounts are highly leveraged and therefore provide facilities based on the customers risk appetite. There‘s a feature which provides guaranteed execution from the order at the marketplace price which were entered straight into the computer. This service is with a premium because it risked your downside. However there‘s a standard service where transaction costs are much lower. It‘s inside an investor's best interest to comprehend these options and also to pick what he / she wants. Many investors have lost lots of hard-earned money towards the simple ignorance of those facilities.
Understand the Bid Offer spread : CFD trading is really a type of derivatives contract. Such trading generally happens from the market and requires the investor to part having a bid-offer spread. Alternatively some big market makers permit the customers to position their order at the marketplace price with no spread. This causes it to be identical to trading upon the exchange albeit having a leverage.
Features : A lot of these trading platforms allow advanced features for research, which Isn‘t open to the retail buyer. The buyer can understand the liquidity on each side of the positioning prior to making a little. This is usually a very good indicator from the loss valueable that could happen just in case of a fast sale. The higher the liquidity, the lower the risk.
Security : Although it isn‘t advisable to keep your funds inside the trading account, though it‘s nonetheless safe. Most of those accounts are held in possession of the trust, which makes sure the money is safe and provides risk mitigating mechanisms equivalent to, otherwise better than the marketplace itself.
CFD trading benefits you leverage your positions at rock-bottom transaction costs. The well-known investor Warren Buffet is likewise famous for their apprehension of transaction costs. CFDs help solve a little bit of the matter, by lowering them otherwise eliminating them completely.
CFD Trading is a different way of trading that offers investors a good deal of leverage and flexibility. It provides you a chance to make huge profits a lot sooner. Dealing in CFD is taken into account safer than normal share dealing because it provides you the liberty to position your trades anytime and close your position when you would like. Even after such a lot of flexibility and leverage, the majority of folks see it too risky to put money into CFDs.
CFDs are a good source in order to make quick money by putting extremely less efforts. Still, most novice players suffer from losses when trading in CFDs because of the insufficient proper knowledge and patience. Even the knowledgeable players sometimes bear huge losses as they simply fail to create a right decision. This really is where CFD trading strategy comes into play.
In an effort to maximize your profits and minimize your losses, you desire to make effective strategies. Here are a few points that ought to be kept on your mind while dealing in CFDs :
Lack of information and proper understanding is that the biggest obstacle. Investors got to attain a good knowledge of the topic before actually jumping in it. The marketplace is extremely volatile ; and also to succeed, it requires thorough basic understanding of the topic along with current market trends.
It‘s recommended to take a position a small amount if you‘re a beginner. Before investing an enormous sum, you ought to convey more practical knowledge.
Tracking your performance and profit-loss ratio from time for them to time is a great idea. It benefits you know if you are able to invest an enormous amount or otherwise. Along with it, it benefits you analyze your trading style, mindset, and capcapacity to take risk.
Understand the tricks from the trade and research the marketplace thoroughly to play till long.
Pairs trading is said to become a tried and trusted approach to CFD trading because it involves low risk and high-probability gains. You are able to sell the older stock and purchase a brand new one for future, simultaneously. This provides you an opportunity to adjust your risk.
It‘s far better to trade more that certain financial instrument. Different financial instruments assist you adjust your risk of meeting losses.
Deal in CFDs only if you re able to spend a good deal of time as these are generally not ideal for buy and forget situations. You need to deal in them everyday.
Keep an eye upon the current market trends. It isn‘t advisable to purchase a financial instrument at sky-high prices. It might result into huge losses when market crashes down.
if you are a risk-averter, you are able to choose CFD day trading to guard yourself from overnight risk of stocks.
Making decisions could be very critical at each stage. Do not make hasty decisions because it may land you inside a bigger trouble. You‘ll lose all of your money. Think, research, and analyze, after which have a move.
Buying and selling CFD could seem very simple and straightforward. It‘s recommended to not jump in it immediately. Review your finances and analyze if you can bear the loss in case you face any. As said earlier, one needs to attain a strong basic knowledge of the topic and become very cautious simultaneously.
Survey: 9 Out Of 10 Youth Think Wages Are Too LowMalaysian youth are primarily concerned about low wages, according to the Merdeka Centre for Opinion Research.
Breaking down the numbers, the research house found that this view was most prevalent among Indian youth (98%) followed by the Malays (85%) and Chinese (84%).
The report also revealed that seven out of 10 Indians (74%) and Malay (705) youth found it difficult to enter the job market. This was less so for the Chinese (45%).
But what stood out, among others, is that youth from all three racial groups had one common concern: personal finances.
Malays (77%), Chinese (71%) and Indians (68%) said they constantly worried about their finances.
Merdeka Centre conducted the survey, titled “Perception of Economy, Leadership & Current Issues,” in 165 constituencies in 12 states around the peninsula from August 3 to 8.
Of the 604 respondents, 68% were Malays; 23%, Chinese; and 9%, Indians.
On September 13, Prime Minister Datuk Seri Najib Razak announced that the Employees Provident Fund (EPF) and Khazanah Nasional Bhd planned to expand their investments in the US.
The backdrop: his diplomatic trip to meet President Donald Trump.
Citing economic gain, Najib said EPF was expected to invest between US$3 billion (RM12.6 billion) and US$4 billion.
“They (EPF) have got big sums of capital to be exported. They have invested close to US$7 billion in terms of equity in the US and they intend to invest an additional US$3 billion to US$4 billion to support your infrastructure re-development,” he said.
Typically the announcement was met with swift backlash from social media users and opposition politicians.
PKR leaders Datuk Seri Azmin Ali and Rafizi Ramli said the investments were a form of capital flight and could be better kept in the country.
Najib responded that such spin of facts gave the impression that there were no returns while the truth was that much more money was brought back to the country.
So as the debate rages on, we decided to get to the heart of the matter. Here are four things you need to know about EPF and its overseas investments:
1) The EPF has the right to invest abroad
Before we start jumping the gun – that the EPF is not bound by law – let’s start with the fact that the fund’s activities is subject to law i.e. the Employees Provident Fund Act 1991.
It is an act “to provide for the law relating to a scheme of savings for employees’ retirement and the management of the savings for the retirement purposes and for matters incidental thereto”.
And EPF’s investment activities fall under the purview of Section 26.
In a reply to English-language daily The Star, the fund cited this section of the act and said it practisced a disciplined and prudent investment process.
An Investment Panel approves all investment decisions and this panel consists of members appointed based on extensive knowledge and professional experience in financial matters.
Here’s how the accountability structure looks like:
According to the EPF, the Investment Panel determines and approves investment activities in line with existing guidelines, policies on risk control and asset allocation.
Members on the panel consist of representatives from EPF, Bank Negara Malaysia, independent industry experts and the government.
2) There are checks and balances
Aside from a quarterly audit process done internally, the Auditor-General is also tasked to keep track of EPF investments.
For example, in 2014, the then Auditor-General Tan Sri Ambrin Buang urged the Public Accounts Committee to check the EPF’s growing investments overseas.
Ambrin was concerned after noting that the fund chalked up RM6.46 billion in real estate investments abroad last year. This despite the healthy returns.
Also, EPF’s overall asset position and performance are announced quarterly and accounts reported in accordance with global accounting standards, FRS 139.
All audited accounts are tabled in Parliament for approval and is subject to scrutiny by PAC. This means all investments being pumped into overseas institutions are accounted for and tracked.
In fact, the fund issued a statement right after Najib’s announcement, assuring Malaysians that all investment proposals are assessed and go through a robust due diligence process.
3) You can keep track of the EPF’s performances
The fund releases its quarterly income statements online under its News & Highlights section. This is, by far, your best bet in keeping track of EPF investments.
For example, last week the fund reported an increase in quarterly investment income to RM11.51 billion for the second quarter ended June 30, 2017, which was a year-on-year increase of 36.36% from RM8.44 billion during the same period.
However, there is no exact information available on its official website on the overseas institutions the fund invests in.
Checks with EPF directed us to the communication affairs department and we were told to submit a written request regarding our query on overseas institutions.
Still, there’s some information available in their media statement. Citing their latest quarterly income statement, the fund said its overseas investments – which account for 29% of its total investment asset – contributed to 32.5% of the total investment income during the period under review.
Aside from this, members can also download and read their annual reports. So, in the latest Annual Report 2016, it states that the EPF’s diversified investments allowed it to take profits from other markets.
As at December 31, 2016, the EPF’s foreign investments, which constituted 29% of total assets under management, contributed 39% of the total RM46.56 billion gross investment income.
Actually, even the fund’s net impairment are also public knowledge. For example, in February 2017, EPF recognised net impairment amounting to RM8.17 billion, compared with RM3 billion in 2015. This is due to weaker equities market and a slump in crude oil prices.
4) The overseas investments does benefit its members
So over the past three years, the EPF overseas portfolio has recorded double digit annualised returns of 11.1%, boosting the overall return by 1.39%.
According to EPF chief Shahril Ridza Ridzuan, 29% of the EPF portfolio invested overseas remained “a significant revenue driver” for the portfolio.
He said strong gains on overseas holdings, at an annualised 11.1% for the three years through June 30, helped the portfolio more than overcome a 3% appreciation of the ringgit versus the dollar during the period.
So do you need to be worried about your EPF savings?
With all the information available, the answer is no. Sure, your dividends might be affected as investments are after all a risky affair.
But to see some returns on your savings, the EPF has to look abroad to diversify its risk. The good news is there’s some measure or accountability by way of the EPF Act and the fund’s duty to publicly disclose its finances on a quarterly basis.
If you are enticed by the US economy, then you can try opting for an EPF-approved unit trust that invests a certain portion into US-based assets.
One such fund is the Eastspring Investment Global Leaders MY Fund which invest 54.28% of assets into the US.
Period 3 mth 6 mth 1 yr 2 yr 3 yr 5 yr 10 yr
Bid to Bid Returns (%) - RM 1.06 1.82 16.85 10.35 13.13 14.20 2.58
*Performance figures (as of September 20, 2017): Last updated on September 25, 2017.
**Source: Fundsupermart
If the EPF’s investment adventures still nag at your conscience, then you can try saving in a Private Retirement Scheme (PRS) as well as in shares, unit trusts, REITs and other investment instruments to spread your risk.
Because at the end of the day, forced savings is better than no savings at all. And it’s the lack of savings that’s the larger reality we’ll have to contend with.
Budget 2018 is expected to deliver a wide range of incentives, said RHB Research Institute, adding that the government might increase expenditure next year by 4.3% to RM269.3 billion from an estimated RM258.2 billion in 2017.
The research house is predicting that perks for ride-sharing services as well as a higher allocation for education are on the cards.
It also didn’t discount a focus on Industry 4.0 as well as promoting high-technology industries in areas of automation, robotic development, big data and cloud computing.
Other areas of concern include affordable housing, salary increment and benefits for civil servants, extension of BR1M, assistance for Felda settlers, and more tax reliefs.
Prime Minister Datuk Seri Najib Razak, who is also finance minister, is expected to table the budget on October 27.
sumber:https://www.imoney.my/articles/malaysian-youth-concerned-low-wages
https://www.imoney.my/articles/facts-about-epf-investments-overseas
https://www.imoney.my/articles/more-perks-budget-2018
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