Understand Market Trend Before You Trade - NASDAQ and KLCI

If you have no idea what is stock at all, I suggest you read the following first: Stock Market 101: Understand How Stocks Get Started.

To be successful in stock investing, the first thing that you want to do is to analyze the entire stock market as whole and learn how the majority investors behave in the stock market. The stock market index is the indicator to tell you how the market moves. It represent everyone present in the market place. :D

I personally invest in US stock and Malaysia stock market. So 2 stock market indices that I"m interested are Nasdaq Composite Index and KLCI.. The following charts show the 1 year histrory trend.
 

KLCI - FTSE Bursa Malaysia Large 30 Index

KLCI comprises of 30 largest companies in Malaysia with approximately 70% of the total market capitalization of the FTSE Bursa Malaysia 100 Index.

Nasdaq Composite Index


Nasdaq Composite Index comprise of over 4000 innovative and fast growing technology companies in United States of America.

Note: What I like about this chart is when you click on it, it shows you the technical analysis of the chart. You can then perform the "Technical Analysis" on those chart. Basically technical analysis helps you to make investment decisions based on the study of charts rather than the stock fundamental. Interesting isn't it? But this is still something new to me but I will share with you more later on once I"m familiar with it. :)

What I don't like about this chart is only able to display up to 1 year trend. To view more than 1 year trend, you will have to use Yahoo Finance.  But Yahoo doesn't have a way to embed the stock chart in a website or blog.If you know, feel free to share with me.

P/S: What about you? There are lot of stock market indices out there. Which market index do you refer?

How to Embed Stocks that I am Watching?

If you're looking for a way to embed the stock charts in a website or a blog, you can now can do it through wikinvest. Here is my list of stocks that I"m watching and the chart shows 1 year history trend for that particular stock:

INTEL CORPORATION

Flash Player 9 or higher is required to view the chart
Click here to download Flash Player now

ALTERA CORPORATION

Flash Player 9 or higher is required to view the chart
Click here to download Flash Player now

If you have a better way to embed stock chart into a website or a blog, feel free to share. So far, I find this wikinvest is the best.

[02 April 2011]: There is a bug in the Malaysian stock chart which shows only until August 2010 and I have reported to wikinvest. This is the respond that I got from them:

Hi Champdog,
I filed a report of this issue when you wrote in a few days ago, and it's been added to our developer's work queue. I don't have a formal estimate at this time, but I'll keep you posted of our progress.
Thanks for your patience!
Wikinvest.com
Investing, Simplified.

[11 April 2011]: By the way, check it out  my latest post on Stock Portfolio System to monitor or track your stocks. I find it pretty useful! :)

LOG
[03 March 2011]: Added AIRASIA BHD

[04 April 2014]: Removed CIMB Group Holdings Berhad, PBA Holdings BHD and Airasia BHD because it is no longer working. :(

P/S: Now you can spy on me because I will continue keep this post updated for the stocks that I"m watching.

[04 April 2014]: By the way, I no longer keep this post updated for my watched stock, will be remove this link from the right panel as well.

Latest FD, EPF, Inflation, BLR and Saving Interest Rates History Trend in Malaysia

If you wonder where to get the latest FD (Fixed Deposit), saving interest, EPF (Employee Provident Fund) dividend, BLR (Base Lending Rate) and inflation rates history trend in Malaysia, this is the place for you. I wrote about a similar topic in my previous post (almost 3 years ago) and apparently it is out-dated. The latest data was only up to 2007.

I will use this post to keep track of the latest interest rates. As you can see from the graph or chart below, I put the inflation rate as reference – green line. Any interest rates above the green line is good to go and this is where you want to put your money into. However for those who are buying house, you need to look at the BLR – brown line, any investment return that higher than BLR is where you want to put your money into especially if you don’t like Flexi loan package.


[Updated: 26 April 2014] 

What can we conclude from this trend?

• Saving rates is getting lower and lower. Thus, you shouldn’t put your money in saving at all. For instance, if your monthly expenses is RM3K, you just need to make sure that you have RM4K in your saving account every month. RM1K extra is for backup.

• FD is as useless as saving but it is still better because it is higher than inflation rate in most of the years. But keep in mind that personal inflation rate is the thing that you want to look at (not the inflation rate reported by the government!)  

• As expected, EPF is the best investment vehicle (of course only compared to FD and saving) and it is catching up the BLR rate (but still below BLR). This tells you that withdrawing your EPF money to pay your house loan is the right choice. How about withdrawing your EPF for Mutual Fund? Yes, but do this only when you believe the mutual fund return could be higher than 6%.

• 6% is a important value (based on EPF dividend return and also BLR). You will use your extra money to invest (after you have enough emergency fund) and your investment return should at least more than 6%. If not, you’re making a bad investment. 

[Updated: 28 Jan 2012]: Check it out the graph in 2011, inflation rate is now catching up with FD! :)

[Updated: 26 April 2014]: Update data up to 2013, inflation has moved down (lower than FD) and EPF is till performing good!

P/S: Well, to summarize: don’t put your money in saving and use FD as emergency fund. EPF dividend rate and BLR are very important because that is the investment goal that you want to set (i.e. Any of your investment return from stock, mutual fund, and bonds should be more than 6%).

Latest Live Gold Price History Trend in MYR & USD

This the gold price trend in 1 year, 5 years and 10 years in Malaysia Ringgit (MYR) and US dollar (USD) currency. The following graphs will be automatically refreshed to show the latest live and most updated history trend.

The data is sourced from goldprice.org. Have fun! :)


1-Year Gold Price in MYR & USD

Per ounce

Per ounce

Per gram

Per gram



5-Year Gold Price in MYR & USD

Per ounce

Per ounce

Per gram

Per gram



10-Year Gold Price in USD

Per ounce

Per ounce

Per gram

Per gram



Notes: The Y-axis is in unit ounce and 1 tray ounce = 31.1034768 grams. If you want to covert to grams, you need to divide the number with 31.1034768 to convert the Y-axis to grams.

[29 March 2014]: Update graph to include per gram so you don't need to convert it to ounce. 

P/S: For real time daily live gold price in Malaysia, visit here.

Gold Related Articles: 

• Gold price goes up because of 2012 propheycy?
• Invest gold in Malaysia through Public Bank.