When we are talking about investment, we always try to find the best one that provide the highest percentage of return with the lowest risk. The search for this holy grail sometimes put significant delay into our investment journey. We thought the money will work harder once we found the correct investment for us. We never realize that the time lost really cause us to lose money. The graph that I take from Kakti’s blog might be the best way to explain the time value of money.

Although he save RM1,000 a year for the next 38 years, he still cannot match the amount of money that Bonnie gets for saving only 10 years at the early age of 18. The earlier you start the lesser amount you have to save and you don’t have to seek a very high interest rate.

So to me, the best time to invest is not when the market is high, low or whatnots, but the best time is now.

I invested in both Public Ittikal and Public Regional Sector Funds on 29th June 2006. So now it is around one year since then. Here are performance charts for both of them.

Public Ittikal Fund:

Profit: 47.33%

Public Regional Sector Fund:

Profit: 35.44%

But don’t forget about the management fee and agent fee which is around 6.5% if I’m not mistaken.

I’m going to meet with my agent soon. My next step transfer my regional sector into some islamic fund. I haven’t thought about which fund yet(any idea?). Then, I’m going is to set up standing instruction to do regular saving into the funds.

That’s all for now. Will update after I’ve met with my agent.

It’s has been awhile since my last post. Final exams for the past week leave me no time to write something insightful for this blog (hehe excuse,malas actually). And today I’m flying back to Malaysia for Summer holiday . So, the next post that you are going to see in this blog will be written from Malaysia.

OK, let’s get back to business. Being an opportunistic man, I try to (ethically) take every moment in my life as money-making opportunity. And going back to Malaysia is one of it.

Lately, I have been organizing several bulk in Lowyat.Net. My business model this time is to help Lowyatians to buy some hard-to-get or cheap stuff from the United States. You can find my bulk threads here:

USA Bulk

VX Revolution Mouse Bulk

G5 Mouse Bulk

I cannot disclose how much I make from these bulks as they ain’t over yet. But to give you a picture, I’ll describe my last year bulk as well.

Early last year, there was an online hype about the best mainstream earphone Koss KSC-75 in LYN (lowyat.net). Plus there was insufficiency of stock in local market so this added up the hype. It was priced around RM80-RM120 in local stores. What seemed to be lucky to me, Radioshack was holding 50% discount on Koss Ksc-75 rendering the price around RM35 per piece. Then I opened up a bulk thread in LYN and easily filled up 40 orders. Those Koss plus some Corelle for my mom took all space in my first luggage. At the end, skipping all the hardship doing the bulk, I earned back around one third of my flight ticket to Malaysia. Not bad I guess.

I hope this year’s bulk is going to be as well as the last bulk. I really enjoy meeting up with new people especially forumers as they have tons of knowledge and passion about the things they like. I can’t wait to meet them all.