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Showing posts from January, 2013

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Market Daily Report: Bursa Malaysia Ends Flat On Renewed Global Bond Yields, Geopolitical Concerns

KUALA LUMPUR, Aug 21 (Bernama) -- Bursa Malaysia ended little changed on Friday, as investors remained cautious amid renewed pressure on global bond yields and geopolitical tensions, an analyst said. At 5 pm, the FTSE Bursa Malaysia KLCI (FBM KLCI) eased 0.23 points to 1,736.48 compared with Thursday’s close of 1,736.71. The benchmark index opened 0.63 of a point lower at 1,736.08, and fluctuated between 1,733.13 and 1,738.30 throughout the day. On the broader market, losers outpaced gainers 637 to 578, while 571 counters were unchanged, 1,086 untraded and 47 suspended. Turnover decreased to 3.91 billion units valued at RM3.32 billion from 4.28 billion units valued at RM4.01 billion on Thursday.  

Financial Resolution 2013

After a resilient economy in the year 2012, we are now in 2013 and I'm thinking that we have yet to see the worst from 2012. I'm not sure that whether global economy will be getting worse or getting better, however I know it myself that own economy might turn bad if inflation continue to go up, while salary maintaining slightly higher or the same. Hence, this year, I will set a rather defensive financial resolution sort of to protect the capital, while having slight growth over the year in line with the inflation.The target growth of the stocks portfolio is expected to be about 10%, with the growth mainly in the dividend stocks and oversea stocks. As almost everyone in the country are expecting there will be a slight correction in stock market due to the General Election which is due to held this year, I won't be allocating some portion from the salary to the stock market, at least until second half of the year. Instead, the money will go to the house loan first -...

Another PCB or Scheduled Tax Deduction (STD) for Bonus Calculation

We are now in another new year, or financial year and many of us are just 2-3 months for tax submission. However, there are just still so many of us who are questioning how our scheduled tax deduction (STD) or PCB is calculated as most of the time we are getting different deduction. It is not a surprise as majority working class are having fixed monthly salary, but at the same time on and off we are getting bonuses from our employers. These bonuses are the reason why we are getting different scheduled tax deduction on certain month when we have bonus. I posted twice on how these are calculated on Calculating PCB or  Schedular Tax Deduction (STD) for Salary and Bonus and How to Calculate PCB or Scheduled Tax Deduction (STD) for Salary and Bonus Anyway, since I'm still getting emails on the calculation, I will use the example from the email so that the reader can understand it based on his or her salary and bonuses. Assuming A is getting a salary of RM3,000 and have RM24 d...