Author Topic: Lost money in unit trust....  (Read 132711 times)

Offline mark1970

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Re: Lost money in unit trust....
« Reply #50 on: February 21, 2012, 04:11:03 PM »
Was working in local fund house b4, really depends on which fund manager managing ur fund, if fund manager is good then can help u earn money, or else, plz pray for miracle. Another factor is the market situation & where the fund is invested, even u see now the stock market is recovering, if ur fund invests heavily in Shanghai B Shares also u die lo...

U are right. Using Formula One as a metaphor, fund managers are just like F1 drivers. Fund house (including research team) is the F1 cars/team (including support team).

You need both good cars and good driver to win.

When it comes to making money regardless in business or UT, stocks or property investment, there is no shortcut. You have to put an effort in it.

Offline sangkancil

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Re: Lost money in unit trust....
« Reply #51 on: February 21, 2012, 08:10:15 PM »
Was working in local fund house b4, really depends on which fund manager managing ur fund, if fund manager is good then can help u earn money, or else, plz pray for miracle. Another factor is the market situation & where the fund is invested, even u see now the stock market is recovering, if ur fund invests heavily in Shanghai B Shares also u die lo...

haha...very hard to choose fund manager in malaysia.. as all also not famous...and no book/place to publish the sucessful fund manager.. the awards only stated which fund win... but not the name of the fund manager... good fund manager is always head hunted n change jobs...

so i felt its very hard to choose a good fund

Offline sangkancil

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Re: Lost money in unit trust....
« Reply #52 on: February 21, 2012, 08:11:56 PM »
mostly good fund manager edi head hunted to singapore n HK...

Offline ringgityen

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Re: Lost money in unit trust....
« Reply #53 on: February 21, 2012, 08:20:55 PM »
Well, i agree with Godlike. Its all depend on fund manager. Not all fund manager at Public mutual good. i think the safest way is to buy a well established fund with good track record only like PGF, PIF etc, rather than newly launched, and fund with not more than 40% exposure in oversea market as i believe they are also like us, more knowledgeable in local rather than unknown oversea market.
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Offline sangkancil

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Re: Lost money in unit trust....
« Reply #54 on: February 21, 2012, 08:22:46 PM »
Well, i agree with Godlike. Its all depend on fund manager. Not all fund manager at Public mutual good. i think the safest way is to buy a well established fund with good track record only like PGF, PIF etc, rather than newly launched, and fund with not more than 40% exposure in oversea market as i believe they are also like us, more knowledgeable in local rather than unknown oversea market.

agree with u also,,,

Offline TanVT

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Re: Lost money in unit trust....
« Reply #55 on: February 21, 2012, 11:37:38 PM »
Why not buy from Mutual funds?

a. Fund managers do have KPIs:- 1st. to their own bosses, 2nd to their public.

Any buy or sell, must have some "supporting".
So who are the ppl who provides the "supporting"?

Those so-called analyst in town who will cover only HOT & blue chips stocks.

So fund mgr based on this to make their decision, if market goes up, they take the credit, if market goes down their blame the market and it's not their fault, cause the whole market is down mahhhh

Online KLSE LOSSER

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Re: Lost money in unit trust....
« Reply #56 on: March 06, 2012, 11:48:48 PM »
any good one to recommend?
Maybe u can try Public Public Sukuk Fund,  3% return since 8/8/2011 till now... better than FD...

Offline TerenceNg

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Re: Lost money in unit trust....
« Reply #57 on: August 26, 2012, 10:29:55 PM »

Generally, 9 out of 10 lost their $ in unit trust. Let's say you take your EPF to buy and park it there for 10 years, when compared, EPF still pays higher dividend.  Kisah benar from a close relative who invested in Public Mutual and has since withdrawn.

Their fund managers are very very highly paid.   


I am a unit tust consultant supervising 400 clients. Among the 400, close to 300 are EPF investors. 260 out of 300 of them are making profit, and the remaining 40 is still making a loss as they just started less than 2 years and they are still breaking even the service charges.

I am very curious of your sample size of 9 out of 10. Please don't disseminate irresponsible figures and confuse the public.

One more point to add on is, people who are losing money in unit trust are those who treat unit trust as share trading. they simply don't stay long enough (5 years and more) to witness the true 10% p.a. return.

Offline kittima

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Re: Lost money in unit trust....
« Reply #58 on: August 26, 2012, 10:50:41 PM »

I am a unit tust consultant supervising 400 clients. Among the 400, close to 300 are EPF investors. 260 out of 300 of them are making profit, and the remaining 40 is still making a loss as they just started less than 2 years and they are still breaking even the service charges.

I am very curious of your sample size of 9 out of 10. Please don't disseminate irresponsible figures and confuse the public.

One more point to add on is, people who are losing money in unit trust are those who treat unit trust as share trading. they simply don't stay long enough (5 years and more) to witness the true 10% p.a. return.

For those using EPF to invest unit trust, ok, if you see your unit trust is making profit, don't be so happy quite early, it is your unit trust need to be have at least 8% annual return to worth your investment, why? 3% is charge by unit trust for EPF investment option and EPF generally can provide about 5% return.

Offline ikan besar

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Re: Lost money in unit trust....
« Reply #59 on: August 26, 2012, 10:52:10 PM »
For those using EPF to invest unit trust, ok, if you see your unit trust is making profit, don't be so happy quite early, it is your unit trust need to be have at least 8% annual return to worth your investment, why? 3% is charge by unit trust for EPF investment option and EPF generally can provide about 5% return.


kittima why you never tell me earlier
 :'( :'( :'( :'( :'( :'( :'( :'( :'( :'( :'( :'( :'(
saya sulah bungkus leow
sometimes win sometimes lose
biasa lah

Offline Accerd

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Re: Lost money in unit trust....
« Reply #60 on: August 26, 2012, 10:56:33 PM »
Kittima, you jangan cut people punya mangkuk....Sangat cham punya and somemore people type 2 pages sales speech tau tak....you sangat sui punya.
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Offline ikan besar

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Re: Lost money in unit trust....
« Reply #61 on: August 26, 2012, 11:01:43 PM »
Kittima, you jangan cut people punya mangkuk....Sangat cham punya and somemore people type 2 pages sales speech tau tak....you sangat sui punya.

kattima is trying to help me , he is only trying to create a awarness
to me kattima is doing a great job
otherwise I could have been in deeper shiiiiit
for the time being I oreli lost a proton preveee on this Units trust
I dont think there is any chance to recover
sometimes win sometimes lose
biasa lah

Offline Accerd

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Re: Lost money in unit trust....
« Reply #62 on: August 26, 2012, 11:04:18 PM »
kattima is trying to help me , he is only trying to create a awarness
to me kattima is doing a great job
otherwise I could have been in deeper shiiiiit
for the time being I oreli lost a proton preveee on this Units trust
I dont think there is any chance to recover

I help you Terence.... He would says.... ya lo, you buy from the wrong bank mah...if you have bought MAA, you would have Huat sampai hidung berdarah loh....aiyoh come buy my unit trust...sure huat one. I guarantee you.
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Offline ikan besar

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Re: Lost money in unit trust....
« Reply #63 on: August 26, 2012, 11:06:41 PM »
I help you Terence.... He would says.... ya lo, you buy from the wrong bank mah...if you have bought MAA, you would have Huat sampai hidung berdarah loh....aiyoh come buy my unit trust...sure huat one. I guarantee you.

MAA what is that , i bot Ban Hin Lee  now CIMB and so many other trust
all useless one eg like this Asean Units trust , china , asia , europe lah
semua tak boleh pakai
sometimes win sometimes lose
biasa lah

Offline Accerd

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Re: Lost money in unit trust....
« Reply #64 on: August 26, 2012, 11:07:39 PM »
Ok I heard from friend friend friend ahhhh, now ah those student that mungkin tak boleh pass one ahhh, they give them special class/tuition ohhh. But actually ahh, they are giving them tips what will be coming out in the exam and hoping these students ahh will study based on the tips lah.

Else manyak sudah gagal and stay another 1 or 2 years liao.
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Offline Accerd

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Re: Lost money in unit trust....
« Reply #65 on: August 26, 2012, 11:08:32 PM »
Ok I heard from friend friend friend ahhhh, now ah those student that mungkin tak boleh pass one ahhh, they give them special class/tuition ohhh. But actually ahh, they are giving them tips what will be coming out in the exam and hoping these students ahh will study based on the tips lah.

Else manyak sudah gagal and stay another 1 or 2 years liao.

Aiyoh see I so #####...wrong thread liao...siao ohhh. Soli Soli
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Offline ikan besar

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Re: Lost money in unit trust....
« Reply #66 on: August 26, 2012, 11:09:27 PM »
Ok I heard from friend friend friend ahhhh, now ah those student that mungkin tak boleh pass one ahhh, they give them special class/tuition ohhh. But actually ahh, they are giving them tips what will be coming out in the exam and hoping these students ahh will study based on the tips lah.

Else manyak sudah gagal and stay another 1 or 2 years liao.

eh what r u talking, we r talking abt unit trust lah
hai yah  how can the cow head fit the horse mouth

 :D :D :D :D :D :D :D :D :D :D :D
sometimes win sometimes lose
biasa lah

Offline Accerd

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Re: Lost money in unit trust....
« Reply #67 on: August 26, 2012, 11:12:44 PM »
eh what r u talking, we r talking abt unit trust lah
hai yah  how can the cow head fit the horse mouth

 :D :D :D :D :D :D :D :D :D :D :D

Bagi lu kepala pusingsikit baru boleh help Terence...kena pusing pusing itu kepala, then easy to bait you mah.
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Offline ikan besar

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Re: Lost money in unit trust....
« Reply #68 on: August 26, 2012, 11:14:58 PM »
Aiyoh see I so #####...wrong thread liao...siao ohhh. Soli Soli

u bukan seow manyak sampat also
 :D :D :D :D :D :D :D :D :D :D :D
you also kasi gua tau hong leow
i read and read and read also dont know aht u trying to said
finally i jes had to say the cow head dont fit the horse mouth


 :D :D :D :D :D :D :D :D :D :D :D
sometimes win sometimes lose
biasa lah

Offline kittima

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Re: Lost money in unit trust....
« Reply #69 on: August 26, 2012, 11:33:27 PM »
MAA what is that , i bot Ban Hin Lee  now CIMB and so many other trust
all useless one eg like this Asean Units trust , china , asia , europe lah
semua tak boleh pakai

Ini ikan mahu tipu lagi, EPF hanya boleh Beli local fund, itu ASEAN, China, Asia, Europe semua tak boleh beli pakai EPF.

Offline kittima

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Re: Lost money in unit trust....
« Reply #70 on: August 26, 2012, 11:36:16 PM »
I help you Terence.... He would says.... ya lo, you buy from the wrong bank mah...if you have bought MAA, you would have Huat sampai hidung berdarah loh....aiyoh come buy my unit trust...sure huat one. I guarantee you.

I support beli unit trust dengan EPF kalau service charge reduce from 3% to 0.5%  :D

Offline richluck

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Re: Lost money in unit trust....
« Reply #71 on: August 26, 2012, 11:39:37 PM »

I am a unit tust consultant supervising 400 clients. Among the 400, close to 300 are EPF investors. 260 out of 300 of them are making profit, and the remaining 40 is still making a loss as they just started less than 2 years and they are still breaking even the service charges.

I am very curious of your sample size of 9 out of 10. Please don't disseminate irresponsible figures and confuse the public.

One more point to add on is, people who are losing money in unit trust are those who treat unit trust as share trading. they simply don't stay long enough (5 years and more) to witness the true 10% p.a. return.


My relative stayed for 10 years and decided that EPF does a better job minus the stress.  He would have earned an extra of more than 10K+ of profit from EPF dividends if he didnt invest in unit trust.  To him, eventhough he did make money from that 10 years ut investment but compared to EPF dividends, he got more n so why bother invest in UT.  Just let EPF do the job.  

 

Offline ikan besar

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Re: Lost money in unit trust....
« Reply #72 on: August 26, 2012, 11:40:11 PM »
Ini ikan mahu tipu lagi, EPF hanya boleh Beli local fund, itu ASEAN, China, Asia, Europe semua tak boleh beli pakai EPF.

EPF beli also mati
cash beli also mati
only itu ASN and bond ada untung sikit dividend maciam reit saja
tak ada tipu one
sometimes win sometimes lose
biasa lah

Offline ongchef

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Re: Lost money in unit trust....
« Reply #73 on: August 26, 2012, 11:48:37 PM »
 :D :D :D.......manyaK seinzz.>zzZZZzz  :thumbsdown:........ :thumbsup:GOOD NO UNDERWEARS,no bocor!....tunggu dunggu HOOT&HAMTAM again!!!! :thumbsup:cash is king in kingdom :D :D :D

Offline richluck

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Re: Lost money in unit trust....
« Reply #74 on: August 26, 2012, 11:50:33 PM »
EPF beli also mati
cash beli also mati
only itu ASN and bond ada untung sikit dividend maciam reit saja
tak ada tipu one

Betul ikan, i simpan dalam itu ASM dapat 6.5% n abv.  Beli itu public china fund (cannot remember which one already) also masuk longkang one.

Offline ikan besar

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Re: Lost money in unit trust....
« Reply #75 on: August 26, 2012, 11:51:14 PM »
:D :D :D.......manyaK seinzz.>zzZZZzz  :thumbsdown:........ :thumbsup:GOOD NO UNDERWEARS,no bocor!....tunggu dunggu HOOT&HAMTAM again!!!! :thumbsup:cash is king in kingdom :D :D :D

eh your wife finally let u come out and go online
really pity you , but is good lah if not u whole day online
wasted all yr time

 :D :D :D :D :D :D :D :D :D :D :D :D
sometimes win sometimes lose
biasa lah

Offline ongchef

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Re: Lost money in unit trust....
« Reply #76 on: August 26, 2012, 11:52:21 PM »
Hokkien ppl say, "Teng kor zhao" in English "Drop pants run"
:D :D :D.........bor teh kor, bor dai chi,mang mang lai!!! :thumbsup: :D :D

Offline Accerd

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Re: Lost money in unit trust....
« Reply #77 on: August 26, 2012, 11:53:52 PM »
eh your wife finally let u come out and go online
really pity you , but is good lah if not u whole day online
wasted all yr time

 :D :D :D :D :D :D :D :D :D :D :D :D

Dia pm me that dia culi culi dia punya anak ipad and go online one....Computer dia sulah masuk ke dalam jamban already lah.
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Offline ongchef

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Re: Lost money in unit trust....
« Reply #78 on: August 26, 2012, 11:55:12 PM »
eh your wife finally let u come out and go online
really pity you , but is good lah if not u whole day online
wasted all yr time

 :D :D :D :D :D :D :D :D :D :D :D :D
:D :D :D.......gf waiting next round :D :D :D

Offline ikan besar

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Re: Lost money in unit trust....
« Reply #79 on: August 26, 2012, 11:56:41 PM »
:D :D :D.......gf waiting next round :D :D :D

you lagi boleh meh
sulah lau kok kok , apa lu makan
sure wont ****** nanti

 :D :D :D :D :D :D :D :D :D :D :D :D :D
sometimes win sometimes lose
biasa lah

Offline DALI

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Re: Lost money in unit trust....
« Reply #80 on: August 26, 2012, 11:57:20 PM »
#~  snail phased  unit  trust ,,,better punt penny + warrant  :cash:

Offline richluck

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Re: Lost money in unit trust....
« Reply #81 on: August 26, 2012, 11:59:23 PM »
#~  snail phased  unit  trust ,,,better punt penny + warrant  :cash:


 :clap: :clap: :cash: :cash:

Offline ongchef

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Re: Lost money in unit trust....
« Reply #82 on: August 26, 2012, 11:59:32 PM »
 :D :D :D....no ********,slow slow tunggu HOOT&HAMTAM lar.....bu yau luang luang lai,pasar malam many underwears!!! :D :D :D

Offline Accerd

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Re: Lost money in unit trust....
« Reply #83 on: August 27, 2012, 12:00:37 AM »
you lagi boleh meh
sulah lau kok kok , apa lu makan
sure wont ****** nanti

 :D :D :D :D :D :D :D :D :D :D :D :D :D

Dia tengok "Gangnam Style" MTV 100 kali till itu berdiri loh...those korean dancers manyak cun mah.
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Offline ongchef

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Re: Lost money in unit trust....
« Reply #84 on: August 27, 2012, 12:02:44 AM »
you lagi boleh meh
sulah lau kok kok , apa lu makan
sure wont ****** nanti

 :D :D :D :D :D :D :D :D :D :D :D :D :D
:D :D :D.....lu macam sex raider lar,where got margin of sexy wan,with bullet holes underwears!!! :D :D :D

Offline ongchef

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Re: Lost money in unit trust....
« Reply #85 on: August 27, 2012, 12:08:07 AM »
 :D :D :D.......nothin short n siok to play n song lar!!!.......... GUNUNGS busat atas DE" ATinG :thumbsup: :D :D :D

Offline Trade@58

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Re: Lost money in unit trust....
« Reply #86 on: August 27, 2012, 07:20:48 AM »
Actually UT can make $$. I hv started since 1996 only via EPF. But can make even more if allowed to switch in & out freely. BUT since 2011 July, Public Mutual imposed crazy rates of 0.75% per transfer if switches in/out of funds <90days. They already made upfront exorbitant service fees and now on transfer fees. With this new penalty, before unit holders make, PM already smiling to the bank. How can we wait for 90 days before doing switching when market is volatile? If just keep on equity funds, can even lose one's pants if market just collapses, and this is why most are unable to recover if invested in funds like those China funds. My experience. I hope PM can revert back to the old system. However from PM's remarks, VERY unlikely as they said "PM is big now..............". See??????????

Offline TerenceNg

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Re: Lost money in unit trust....
« Reply #87 on: August 27, 2012, 11:15:57 PM »
For those using EPF to invest unit trust, ok, if you see your unit trust is making profit, don't be so happy quite early, it is your unit trust need to be have at least 8% annual return to worth your investment, why? 3% is charge by unit trust for EPF investment option and EPF generally can provide about 5% return.



Well not a true statement here.

The 3% service charge is only incurred ONCE during entry time. It is not right to use this to offset the annual return.

For instance, if your return is 8% p.a. in the past 5 years. Your total return would still be 46.9% - 3% = 43.9%.

However it is true that there is a 1.5% annual management fees incurred in UT. The 10% p.a. return (if stays for more than 5 years) mentioned above is already inclusive of the management fees.

Offline TerenceNg

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Re: Lost money in unit trust....
« Reply #88 on: August 27, 2012, 11:22:11 PM »
kittima why you never tell me earlier
 :'( :'( :'( :'( :'( :'( :'( :'( :'( :'( :'( :'( :'(
saya sulah bungkus leow


Well the statement is not founded. The 8-10% p.a. return is net of all service charges and annual fees.

If unit trust is so unreliable, the Government won't roll out PRS (Private Retirement Scheme) which is again private retirement scheme using unit trust. If Unit Trust is cheating the public, it would be long banned by Bank Negara, rather than existing around since 1960.


Offline ikan besar

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Re: Lost money in unit trust....
« Reply #89 on: August 27, 2012, 11:26:08 PM »
Well the statement is not founded. The 8-10% p.a. return is net of all service charges and annual fees.
If unit trust is so unreliable, the Government won't roll out PRS (Private Retirement Scheme) which is again private retirement scheme using unit trust. If Unit Trust is cheating the public, it would be long banned by Bank Negara, rather than existing around since 1960.

since mutual fund alway cheat us so from now on we
must cheat them back , but how to cheat them
come come give some idea
sure ada jalan punya
sometimes win sometimes lose
biasa lah

Offline TerenceNg

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Re: Lost money in unit trust....
« Reply #90 on: August 28, 2012, 12:04:59 AM »
eh what r u talking, we r talking abt unit trust lah
hai yah  how can the cow head fit the horse mouth

 :D :D :D :D :D :D :D :D :D :D :D

This is a concern over the quality of unit trust consultants.

FIMM (Federation of Investment Managers Malaysia) is working on improving the quality by introducing CPD (Continuing Professional Development) points system. The consultants are required to attend at least 20 hours of improvement courses every year in order to maintain their license. Probably in near future only full time consultants are allowed in this field, and subsequently all consultants are required to equip with CFP (Certified Financial Planner) qualification.

The rules are tightening now. I totally understand your concern.

Offline TerenceNg

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Re: Lost money in unit trust....
« Reply #91 on: August 28, 2012, 12:23:36 AM »
I help you Terence.... He would says.... ya lo, you buy from the wrong bank mah...if you have bought MAA, you would have Huat sampai hidung berdarah loh....aiyoh come buy my unit trust...sure huat one. I guarantee you.


Well thanks for your "kind offer" to help.

I would never condemn any other unit trust company because I simply don't have their past track record figures to comment on. You may let us know your detailed investment history (past transaction statement which records all buy-sell, switchings and etc) and I can offer my advice here.

My offer for you is: you can transfer your losing UT investment over to my supervision and I offer you zero service charge (i.e. adviser making zero comission plus company absorbing admin charges). I.e. if your current loss is 30%, I will help you to recover from -30% mark without charging you a cent.

Again, you will think this is sales talk. I am doing this out of good will, hoping that you will stay with me in future after you make profit again.

Offline VKM

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Re: Lost money in unit trust....
« Reply #92 on: February 07, 2014, 03:24:04 PM »
Well, I have trained unit trust agents for more than 10 years, I always ask them to do proper risk profiling not just push products. I have found this misperceptions by investors that funds are cheating them. No such thing, the problem is many did not have agents who explained fund selection methodology, they simply did not understand what they are buying.

Offline ikan besar

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Re: Lost money in unit trust....
« Reply #93 on: February 08, 2014, 02:33:01 PM »
Just to share with everyone my wife park saving with Public Mutual and into Far East funds. It drop maximum more than 30% over the last year. Even the market improve this year, it does not improve much!

Comparing one year performance, HSI only drop less than 8%, but the fund drop more than 15%!

The mutual fund must be full of con men! Beware! >:( :finger:


my unit trust lost 40% , that it no more units trust
scare to death
sometimes win sometimes lose
biasa lah

Offline Richard188

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    • Richard188
Re: Lost money in unit trust....
« Reply #94 on: February 08, 2014, 02:47:06 PM »
my unit trust lost 40% , that it no more units trust
scare to death

You Ikan never Learn, easy to get CON. This unit trust is old fashion. Better Put All  Money in UMWOG.
:hi:

* REMEMBER STOCK MARKET NEVER DIE ONLY YOURSELF DIE IF YOU TRADE WRONGLY *

        * KLCI CRASH *

feb 08 to oct 08 = 553 points
jul 11 to sep 11 = 200
dec 14 to jan 15 = 102

Offline iiinvestsmart

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Re: Lost money in unit trust....
« Reply #95 on: February 08, 2014, 03:58:55 PM »
 A mutual fund is a temporary alternative while you prepare to do your own investing.

While mutual funds appear to address some of your investment issues, you pay a substantial premium.

You should realize a better return on your investment dollars by doing it yourself.  :thumbsup:

Itís not a bad investment; itís just that you can do better.   :cash: :thumbsup:






Itís better to buy a wonderful company at fair price than a fair company at wonderful price.

1.  Understand the business
2.  Business must have DCA
3.  Management with integrity
4.  Buy at a sensible price

Big Fat Pitch.  Focus Investing.  Long term portfolio for capital appreciation and income.

Offline rite_brain

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Re: Lost money in unit trust....
« Reply #96 on: February 08, 2014, 04:04:00 PM »
my unit trust lost 40% , that it no more units trust
scare to death

I thought u r investor,
how come u r into unit trust?
the salesperson very attractive/sexy?  :)
It's an emotional warfare with....yourself
Nobody go bust by taking profit.
Strive to get rich slowly.
Let's make (more) money together!

Offline rite_brain

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Re: Lost money in unit trust....
« Reply #97 on: February 08, 2014, 04:08:59 PM »
You Ikan never Learn, easy to get CON. This unit trust is old fashion. Better Put All  Money in UMWOG.

I hv done that,
but not all my money,
just 60% of my money of selling PCHEM into UMWOG,
bought @ 3.06, now 4.43 in 3 months!
really no regret, really don't need unit trust  :)
It's an emotional warfare with....yourself
Nobody go bust by taking profit.
Strive to get rich slowly.
Let's make (more) money together!

Offline Richard188

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  • Check 10 Years Monthly Charts First Before You BUY
    • Richard188
Re: Lost money in unit trust....
« Reply #98 on: February 08, 2014, 04:09:13 PM »
I thought u r investor,
how come u r into unit trust?
the salesperson very attractive/sexy?  :)

wow, sexy girl.  ;) ;) ;)  
:hi:

* REMEMBER STOCK MARKET NEVER DIE ONLY YOURSELF DIE IF YOU TRADE WRONGLY *

        * KLCI CRASH *

feb 08 to oct 08 = 553 points
jul 11 to sep 11 = 200
dec 14 to jan 15 = 102

Offline rite_brain

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Re: Lost money in unit trust....
« Reply #99 on: February 08, 2014, 04:12:59 PM »
wow, sexy girl.  ;) ;) ;)  

sexy unit trust sales gal: buy la, ikan gor-gor, buy la...

ikan besar: ok, ok, where to sign? on your skirt?

 :)
It's an emotional warfare with....yourself
Nobody go bust by taking profit.
Strive to get rich slowly.
Let's make (more) money together!