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By N2H
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My Investing Strategy for 2012 [ February 5th, 2012 ] | 195 views | Leave a Comment

Although the market outlook is uncertain due to the European debt crisis but I will also plan to make minimal stock investments. I will only invest my savings in high yield dividend stocks when the market plunges. I think property is the best hedge against inflation. Therefore, I will invest in a medium cost apartment soon. Besides, gold is another option to preserve our money and diversify our portfolio. It would be great if you can plan to allocate some funds for gold of 20g to 50g.

investing strategy

My recent strategy is to invest for income and capital preservation in view of the market volatility. For my unit trust investment, I will try to diversify by allocating one third of my portfolio into medium term aggressive fund. Meanwhile, for my stock portfolio, I will try to minimize my risk by investing in defensive counters which also provide dividends consistently.

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Leave a Comment | Posted in » Finance Tips

Malaysia Motor Insurance - No Claim Discount (NCD)

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Do you know what is NCD? NCD is No Claim Discount and this is the thing that every people should know when buying car. If you are buying car for the first time or become the first time policyholder, then you will not have NCD for the first year on the road.

This No Claim Discount (NCD) is only given to the policy holders upon they renew their motor insurance if no claim was made against your policy within 12 months coverage. Let say if you free from any claim within the year, then you will be rewarded with a 25% NCD discount of your renewal premium next year. Else, your NCD for your car will be forfeited and falls back to 0%. In the other words, once you have claimed on the motor insurance then your NCD is gone.

For those existing car driver who is planning to change their car then they can transfer their current NCD to new car’s insurance, even if switch to another insurance company. However, the NCD is not transferable to another person. Let say you have 55% NCD for your existing car but you sold it and didn’t buy another car within 2 years then your 55% NCD will go down 2 levels become 38.33%.

NCD Is Not Just A Discount

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November 15th, 2009 | Posted in » Finance Tips, Insurance | 7 Comments | 8,328 views