I was reading this month’s issue of Personal Money magazine and one of the feature article for the month under the Investing Insights column talks about 6 Malaysian high-yield stocks that are relatively low in risk. These stocks are considered resilient and yields between 5% to 6% per annum.

They do seem to be better yielding than money sitting in the fixed deposit but are they for you?

The 6 high yield stocks are listed below:

1. Panasonic Manufacturing Malaysia – Stock price RM12.20, dividend 6.5%

2. Amway Malaysia Holdings – Stock price RM7.35, dividend 5.4%

3. DiGi.Com – Stock price RM22.10, dividend 4.5%

4. British American Tobacco (BAT) – Stock price RM45.90, dividend 5.8%

5. YTL Power International – Stock price RM2.21, dividend 6.8%

6. Guinness Anchor – Stock price RM6.54, dividend 6.3%

The stocks listed above aren’t for me. For one thing, a lot of them are very pricy! And of the 6, the cheaper stocks seem to have higher dividend payouts than the more expensive ones.

What are the resilient and high-yielding stocks in your portfolio like? Any of the above in hand already?

To read more personal finance and money related articles, visit Penny Sense.

Are these 6 low risk but high yield stocks for you?

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If you are an investor in the stock market in the past, you would 100% go through a stockbroker or remisier to do your stock trading. These days, with the advancement of technology including the improved internet security systems, you do not need a human stockbroker to do the trading for you. You can buy and sell shares online.

Most banks offer online stockbroking services these days and all you need is to sign up for an account, open a CDS account for RM10 and you can trade online. This is provided you stick to the terms and conditions of trading on that account which normally requires you to have some account balance in your banking account with the bank.

Trading via a remisier will typically cost you more in terms of fees incurred to buy and sell. Online stockbroking rates are cheaper. Of course, it comes without saying that when you have the service of a remisier, you may pass on the monitoring to the stockbroker and trust that he or she will act accordingly to your instructions. I guess that’s where the extra fees come into play versus using an online system to buy and sell stocks.

I have both, a remisier and an online trading account. But I still prefer to pay more fees and have a human do the work for me. I use the online trading account to watch the market real time as well as some other functions that come with it.

How do you trade – do you use a remisier or do you prefer to be more hands-on and go for online trading via a stockbroking account?

To read more personal finance and money related articles, visit Penny Sense.

Are you more comfortable with a remisier or online stockbroking?

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It’s been months that people are speculating the shape of the financial recovery all around the world. Some believe that we are now on an uptrend and that the recovery is a V-shaped one while others are hoarding their cash and not willing to invest just yet because they feel that the market is going through a W-shape recovery.

So which of these V or W recoveries are you rooting for? As the market rallies as we speak and you’re not yet in the market, you’re probably hoping that the W-shape recovery comes true, huh? But if you’re convinced that it’s not a W-shape recovery and have missed the boat on being at the bottom of the market, would you step up now and dump your money in the market?

An interesting article came up today by i Capital on investor sentiments and the way they think the market will go. Read it here.

So where are you keeping your money these days if not in the market? FDs? Under your pillows?

To read more personal finance and money related articles, visit Penny Sense.

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In the latest issue of Personal Money magazine (June 2009), it did a great job in highlighting Malaysia’s top 8 resilient stocks to buy. The analysis is provided by InsiderAsia.

The 8 recommended stocks to buy is a mix of blue chips and small cap stocks. The common underlying fundamentals of these stocks are that they are strong in their balance sheets, have strong business models as well as deemed to have sound management.

Some of the stock picks surprised me, but the reasons why they were picked were logically explained in the article. Here are the top 8 resilient stocks as recommended by the magazine.

1. Resorts World – last traded at RM2.81

2. Bursa Malaysia – last traded at RM7.15

3. Tanjong plc – last traded at RM13.60

4. Three-A Resources – last traded at RM0.345

5. HELP International Corp – last traded at RM1.35

6. Pantech Group Holdings – last traded at RM0.76

7. Tanjong Offshore – last traded at RM1.45

8. Malaysia Steel Works – last traded at RM0.94

To understand why these stocks are recommended, I suggest you read the full article from June’s issue of Personal Money.

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Everyone is asking what is a good investment to go into in today’s world of uncertainties. With the launch of the recent investment vehicles like the Sukuk Simpanan Rakyat and Amanah Saham Malaysia (ASM) which promise 5% annual returns, many Malaysians have rushed in to buy the units. They are indeed good investments in times when fixed deposits stand at 2% per annum, and at best 3% per annum on some promotional rates.

So if you have missed out on buying the Sukuk Simpanan Rakyat and Amanah Saham Malaysia units, what then do you plan to invest in so that you do not keep your cash idle?

I read the latest issue of Fundsupermart which has an interesting article that suggests 4 ways to invest to earn a steady stream of passive income. I find the 4 asset classes suggested to carry a good mix of risk appetite as a way to divest an investment portfolio. If you are more risk averse, you may want to choose what you regard as safer investment vehicles but if you are gamed for a little more risk, then go for it wisely.

Here are the four suggested asset classes put forth by the article in Fundsupermart which are relatively low risk in nature which will give you some reasonable returns and dividend over time.

1. Money market funds
2. Bond funds
3. REITs
4. High yield dividend stocks

Money market and bond funds are generally low risk investments as they place money in relatively safe debt instruments like commercial papers, treasury bills, fixed deposits, government and corporate bonds, etc. Returns on these investments won’t be very high as can be expected, since lower risk assets tend to offer lower returns. But when you average out the returns of all the instruments put together, you could potentially see better returns than the 2% fixed deposit rate.

REITs and equities are a little more volatile and hence more risky. But the idea is not to speculate on them to make your profit, but rather to reap steady payouts of good dividend and also on the growth of the stocks over the long term. The returns on them should be higher than the less aggressive funds above.

I think the suggested asset classes are quite sound. For someone like me who have no idea what to invest in right now, this seems like a good mix of a portfolio to get into. A note of caution for those who subscribe to the suggestions above, do exercise some caution when picking the funds or stocks to go into. Don’t just jump into the first money market fund of REITs you come across. Do a little bit of homework into each asset class to determine the rate of return and risk trade off that you are comfortable with.

What are you thoughts on the suggested asset classes above? Do you have more suggestions on what to invest in now?

To read more personal finance and money related articles, visit Penny Sense.

4 ways to invest for a steady stream of passive income

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