Personal Finance Personal Finance – Personal Money Tips, Stock Investment, Small Business and Make Money Blogging

19Aug/100

投资 投机 傻傻分不清楚

最近,蛮多朋友开始投入股市。口说要《投资》的 却慢慢的踏上《投机》之路。有的赚,也有的亏。真的有点为他们担心,担心他们会慢慢的走火入魔。

写这一篇“东西”,是为了警惕自己,要坚持投资,绝不可投机。也顺便提醒身边的朋友。

我投资,不是为了要在短时间里富有,而是为了要达到财务自由,为未来着想。试想一下,如果有一天你不能工作了,没能力赚钱了,你要怎样养家呢?难道要年老的父母亲或年幼的孩子出外工作养家吗?

何谓《投资》?

投资,就是把钱投入资本。买股票是一种投资。买股票就是买股份,有股份就是有份参与生意。也就是说,投资股票等于参与生意。把钱投入赚钱的生意,长期拥有,财务自由的一天,绝不是梦。

何谓《投机》?

投机,就是把钱投入机会。投机和赌钱是没有分别的。投机对我来说是件很辛苦的事。我知道是因为我试过。每天需要坐在电脑荧幕前面,看着自己的股票上下,还要担惊受怕。与其如此,不如把钱丢在赌台上,一下就知道赚或亏, 简单 快 又潇洒。

在赌台上,你不是赌神,你不知道几时会赢钱或输钱。那谁是赌神?赌场的大老板才是赌神。他知道十赌九输,赢的一定是庄家,所有就把《赌》经营成企业,年年赚大钱。难怪林先生能成为我国的十大首富之一。

在股市要赢,就要做庄家。谁是庄家呢?他们就是股票后面上市公司里的大股东。他们只抱着做生意赚大钱的心来致富,从不用他们自己的股票做赌注。身为小户的我们与他们 一起参与生意 一起做庄 准没错吧!

为什么《投资股票》不能等?

很多人觉得创业,做生意,两三年才拿回本,开始赚钱,是值得等的。

很多人觉得投资地产,买屋买店买地,等一年,十年,二十年,甚至三十年,才开始赚钱,也是值得等的。

买股票也就是参与生意,为什么不能等?要投资 要致富 就要有耐心啊。。。

要怎样《投资》股票,才可赚钱呢?

要赚钱,就要投资在《优质》的公司,然后《长期拥有》。何谓优质公司?优质的公司就是年年赚大钱的公司。何谓长期拥有?只要这公司年年赚大钱,就应该拥有它。

要赚大钱,就要投资在《有成长》的《优质》公司,然后《长期拥有》。何为有成长?一个有成长的公司,赚的钱,一年比一年多。

要赚更多钱,就要投资在《有成长》的《优质》公司,《低价》买入,然后《长期拥有》,《高价》卖出。何为《高/低价》。(1)一个RM10的股票每年每股净赚RM2 比 (2)一个RM1的股票每年每股净赚RM0.01《便宜》/《低》得多。(2)赚的比你把钱放进银行的定期存款还来的少,少得很可怜。所以,一定注意买入的价钱和它对比的盈利,要考量值不值得用这个价钱买入或卖出某个股。

坚持反响策略,《低价》买好股,长期持有,必胜!

以上的概念是来自《冷眼》。谢谢《冷眼》的教诲!

First time write in chinese :) 发觉,最近我好像变了“講故股佬”。。哈:P

16Aug/100

DXN (5074) – Sold Too Early

Bought this counter around mid of June at the price of 0.55 but I have already sold it at 0.80. I think I have sold it a bit too early else I will gain more from this investment.

The reason I bought this counter is it's earning keep growing, debt becomes lesser (more cash), start giving out attractive dividend consistently and it is a MLM company (In my humble opinion, MLM is a very good business model).

15Aug/100

Top 30 Equity Investments by Employees Provident Fund (EPF) in Bursa Malaysia

Ever wonder where is our hard earn money in our EPF account invested in stock market?

Below is the list of top 30 equities listed on Bursa Malaysia invested by EPF:

3Jun/100

Stock Market Dropped

Stock market dropped a lot recently due to Europe debt crisis. Did you do any panic selling? What is your strategy now? Exit or In?

To me I think I will wait and see. I will wait until before the world cup end and see if I need to buy in more stocks that are on cheap sales.Buy on dip and sell on the rise.

For now, the best thing to do will be ... do nothing when you have nothing to do.

31Dec/092

NTPM (5066) – 2nd Quarter Result For The Financial Year Ended 31/10/2010

NTPM (5066) - 2nd quarter result for the financial year ended 31/10/2010 posted 6 months net profit 28.590 millions. If compared with last financial year's 2 quarter results, it has increased 50.70%.

20Dec/090

Nestle (4707) To Replace Parkson (5657) in FBM KLCI

According to The Star, FTSE Group, the index company, and Bursa Malaysia Bhd announced that Nestle (M) Bhd - Nestle (4704) would replace Parkson Holdings Bhd - Parkson (5657) in the 30-counter strong FTSE Bursa Malaysia KL Composite Index.

The replacement will take effect on on Monday, 21 December 2009. The reason why the replacement is made is not mentioned either in the article or the FTSE Group's announcement.

I think they replace Nestle with Parkson in FBM KLCI is because of the Nestle's stock price is much less fluctuate than the Parkson one. In this case, the FBM KLCI will look much more stable and also to prevent speculation on the index.

10Dec/090

No More Small Packs Of Cigarettes

Starting from 1st  June 2010, the sale of cigarettes in packets of less than 20 sticks will be prohibited, as notified by the Ministry of Health on 1st December 2009. Cigarettes companies are given seven months from now until May 31 next year to dispose of its stocks of cigarettes in packets of less than 20 sticks.

Pack of cigarettes, close-up

29Nov/090

Dubai’s Debt Crisis Rattled World Financial Markets

The news on Dubai debt delays on last week cause the world stock markets to fell with a quit significant amount. Is this the indication that the world financial crisis is not ended?

HSI (Hang Seng Index) felt 1075.91 to 21134.50 (-4.84%), SSE (Shanghai Stock Exchange) felt 74.72 to 3096.26 (-2.36%) and (DOW) Dow Jones Industrial Average felt 154.48 to 10309.92 (-1.48%).

Luckily Malaysia was having holiday due to Hari Raya Haji celebration on last Friday, therefore FBM KLCI is not affected at this moment.

What will happen to FBM KLCI on Monday? I guess there will be a lot of people panic selling their shares to have some cash on hand. I think I will wait and see and buy on dip on those good fundamental counters especially blue chips.

26Nov/090

Genting (3182) – 3rd Quarter Result For The Financial Period Ended 30/9/2009

Genting (3182) - 3rd quarter result for the financial period ended 30/9/2009 posted a nine-month net profit 798.940 million. If compared with last financial year's 3 quarter results, it has increased 15.77%.

23Nov/090

Malaysia’s 30 Most Valuable Brands

Malaysia's 30 Most Valuable Brands is a list compiled by The Edge Malaysia investment magazine for the week November 23 - November 29, 2009. 3 of the stock counters that I have are in the top 30 list (PBBANK - 1st, NTPM - 28th and DIGI - 7th), not too bad. I know I'm on the right path.