Wednesday, April 29, 2015

如何有效率的使用Fix deposit/ 将 Cash Reserve 达到最高的回报


很多人都会有Reserve fund, 专家都告诉我们最好是薪水的2个月至6个月,很常的时候我们都把钱放在FD,为了能够取得更高的利息,多数人会放长一点的时间,比如3个月至1年,但是有 时候我们都有急事需要在还没到期时取出,那么我们的利息马上减半,其实是很疼的,如果一年3.6%的利息减1半就剩下最多1.8%。如果你是放 RM10000,那就白白损失了RM180,是蛮心疼的。

在这里我教多家怎样把损失减至最低。不过是需要一些资金的。多数银行的FD需要至少RM1000(2个月以上),一个月需至少RM5000。

那么如果我有RM3000,我就放3个FD,有RM4000就放4个FD ,以此类推,所以如果有RM12000你就可以放12个配套。

所以如果资本小的话,比如RM3000,我会放3个配套。

RM1000-2个月,

RM1000-3个月,

RM1000-4个月,

如果我有急用需要取一部分钱,我只需要提早拿出时间点最近的,也就是利息最少的,RM1000-2个月。那么我就只是损失RM1000-2个月的利息,而其他两个配套的利息还有存在。这样做就把损失减到最少了。

如果没有用到,就以上面的方法一直renew,这样每个月的流动资金也有RM1000,如果真的有需要就拿出来不要renew了。

如何有效率的使用Fix deposit/ 将 Cash Reserve 达到最高的回报





Maybank 的官网


Tenure
Rate (% p.a.)
1 month
3.15
2 months
3.15
3 months
3.20
4 months
3.20
5 months
3.20
6 months
3.25
7 months
3.25
8 months
3.25
9 months
3.25
10 months
3.25
11 months
3.25
12 months
3.30
13 - 24 months
3.30
36 months
3.40
48 months
3.50
60 months
3.60

Tuesday, April 28, 2015

2015 - 年度目标

投资 - 资本品均增加7%,全年股息在明年的时候达到RM1800

努力的读书,增加知识

希望有机会跳到一个更有前景的工作

希望父母健康

开始我的一点写作生涯(部落格)


Thursday, April 23, 2015

Matrix Eyes Puchong -Expansion in Klang Valley 新收购计划

After proposing a 1:6 bonus issue with free warrant last week, Matrix delivers good news again to its shareholders by acquiring a piece of prime development land in Puchong.


MCHB announced a proposed acquisition of 5.8-acre land cum approved residential development project in Puchong, next to SetiaWalk, for RM95m  (RM380 psf) from IRDK Ventures Sdn Bhd.

The approved project, comprising 318 units of highrise condominiums and 28 units of four-storey link villas, is currently undergoing preliminary earthworks and piling works. The acquisition is targeted for completion by 3QFY15.


We gather that the current GDV of the project is RM500m, based on approved density of 60 units/acre.

We understand that MCH intends to increase the density to 80-90 units/acre, which could increase total units to 464-522 from 346 currently. Assuming similar ratio of GDV/unit, the potential GDV of the revised development could increase to RM670-754m.

We view the pricing of RM95m (or RM375psf) to be fair as it accounts for 19% of total GDV, in line with the industry rule of thumb of 20%. Furthermore, upon regulatory approvals for higher density/acre, the group’s total costs/GDV would be lower. Turnaround of the project will also be faster given that it already has approvals for development.

Based on the approved project details, we opined that the project would be a high-end development and the estimated construction period would be 4 years.

However, our concern lies on the take-up rate of the development given the high-end nature of the project, coupled with the already bleak property sector outlook.


This acquisition would turn MCH from net cash to net debt with net gearing of 0.1x. Despit e this, the group’s balance sheet remains healthy with room for more acquisitions (if any) before reaches net gearing level of 0.5x.

I think Matrix will reduce the built-up size of condominium units to make it more "affordable" for buyers. Previous development offered large built-up size in order to reduce the density.
The location of the land is quite strategic being close to LDP, Setia Walk, IOI Mall and the upcoming LRT station.

So, despite guarded property sector outlook, Matrix should be able to generate commendable sales from this project I guess.


希望4年后会有很多有钱人还是买高级公寓。