Sunday 31 December 2017

List of articles until December 2017


I will make a list of articles every last day of the month,
so that is easier for me and for everyone to refer~


December 2017:

Why did I use SMF for my investment
When my investment capital achieved 100K for the first time....
AJINOMOTO 2nd quarter 2018 financial report
Is Mainstream Thinking really good for everyone?
COCOLAND 3rd quarter 2017 financial report
The other side of fixed deposit (FD)
Oldtown 2nd quarter 2018 financial report
How I manage my $ by using JAR SYSTEM


November 2017:

Panamy 2nd quarter 2018 financial result
Good Debt VS Bad Debt
Hartalega 2nd quarter 2018 financial report
The importance of long term sustainability
Hupseng 3rd quarter 2017 financial report
The first company that I invested in my life, AEON
F&N 4th quarter 2017 financial report
Nestle 3rd quarter 2017 financial result
How I build my confidence to invest at a company for long term
A book that influenced my life


October 2017:

4 basic types of human personality
Year 2017: The consequence of long term investment
Public Bank 3rd quarter financial result
I opened a Facebook Page & Twitter account
My opinion about oversea market
Handling investment with ease
Comparison of portfolio at the start and end of year 2011
My current investment portfolio
My self-introduction article






My Twitter : @TheCellist86

2017年12月文章目录

每个月的最后一天都会做个目录,方便自己也方便大家~


2017年12月:

为何我使用SMF来投资
当年股票组合价值突破100K的感想
AJINOMOTO 2018年第2季度财政报告
主流想法真的对每个人都好吗?
COCOLAND 2017年第3季度财政报告
来谈谈定期存款的另一面
Oldtown 2018年第2季度财政报告
我的理财方式Jar System


2017年11月:

Panamy 2018年第2季度财政报告
好债务VS坏债务
Hartalega 2018年第2季度财政报告
长期可持续性的重要
Hupseng 2017年第3季度财政报告
人生中第一次投资的股票AEON
F&N 2017年第4季度财政报告
Nestle 2017年第3季度财政报告
我是如何建立信心以长期持有一家公司
影响我人生的一本书

2017年10月:

人类4大性格特质
2017年篇:长期投资的后果
大众银行2017年第三季度财政报告
开设了脸书和推特
对于海外市场的看法
轻松应付投资
2011年头与年尾的投资组合比较
我目前的股市投资组合
我的第一篇自我介绍文


我的脸书专页

我的推特:@TheCellist86

Thursday 28 December 2017

Why did I use SMF for my investment


Clarification:
I am just trying to flip the coin, to discuss about some investment tools in this article. This article is full with my personal opinion, so feel free to close this article whenever you feel sicked and wanted to vomit, please bear in mind that I am not pointing you with a gun to force you finish reading it.


So what is SMF?

SMF is the short form of Share Margin Financing,
it is actually a loan which you pledged your shares to the bank,
then the bank will lend you a certain amount of money,
you can use that money to buy more shares or for other uses.

For more details of SMF,
please go to Investment Bank and ask.
Also is better to visit a few different bank,
who knows the next bank might provide you a better offer?

So......
if you read most of my articles,
you should know that I did use SMF for my share investment.

WHAT !?
Borrow money and................... invest at shares!?
This is a very sensitive topic.
Non-main stream I would say.

However............
everyone borrowed money to buy house and car,
why can't we borrow money to invest at shares?

Maybe you will say that the housing price keep rising that's why can borrow money,
but shares price do appreciate too.

Maybe you will say that we shouldn't borrow money to buy shares because the shares price might drop and lose money,
but how about car loan?
The value of cars will drop too.

So why is it that borrow money to buy a car which its value 100% confirmed will drops is allowed,
but borrow money to buy shares which might rise in value is not accepted?
Because it is non-mainstream?

Still remember last time.............

After I started to invest for almost a year,
my return was only 28%........

From that time,
I knew that I can't be someone who can earn 30% every month, or every year also earn a few hundred percents.
I knew that I am not investment super genius,
I am just an average, normal person.

So instead of trying to be investment genius,
or trying to find teachers who claimed that they can help me to achieve 1,000,000,000% in investment return.

I decided to stop day dreaming,
be down to earth, no shortcut but one step followed by one step!

So,
the problem that I was trying to solve is:
"As a normal investor, how can I achieve higher investment return?"

Thus, I found SMF.
I realized that by using SMF, I can pull up my investment return to be higher than normal.

For example,
if my investment return per year is 10%,
by using 1.5 ratio of SMF, I can pull it up to 15%.
If 20%, I can pull it up to 30%.

Sounds good right?
But don't be happy so fast............

SMF however, is also a double-edged sword,
since it can magnifies your investment return,
so if you lose money, it will magnifies it too.

During year 2014,
my investment return was -8%, but because of the magnification of SMF,
my return became -12%, so I lost more money.
Imagine if the investment return is -80%,
after magnifying it will becomes -120%,
you will lose everything!!

Even though there are risks by using SMF,
but it will not stops me from using it.

Same like driving on the road,
it is dangerous especially many drivers thought that they are F1 driver at the highway.
However,  we can reduce our chances of car accident if we drive carefully.

Same goes to investment,
I believe that if I invest carefully, I am able to reduce the risk of losing money by using SMF.

Some people hate borrowing money,
is because after they owe the bank money,
they will feel that they are not that worthy, they are just trash.

I think this thinking should be modified.
If the bank willing to lend money to you,
that means the bank think that you are worthy and willing to co-operate with you.

The bank need to pay the FD interests to those customers who saved money in FD,
so I am the partner who the bank is looking for.
The bank let me use SMF, so that I can speed up on my financial road.
In turns I helped the bank to earn money, so that the bank is able to pay FD interest to the customers.

This is a WIN-WIN SITUATION.

Last thing I want to emphasize here is that,
I am not asking everyone to follow me to use SMF for investment.
The most important thing is..............
UNDERSTAND YOURSELF,
then you will find a suitable investment method for yourself !

Maybe you don't need SMF,
since you might be the super investment genius??

Who knows?

Investment is about doing own thinking, making own decision.

Thanks for reading.



为何我使用SMF来投资


事先申明:

这篇文章只是纯粹想翻转硬币,探讨一些激进点的投资方法,文章充满个人的想法,要是你读到本文的一半就反感到想吐,你随时可以关掉不看,我并没有持枪指着你的脑袋硬逼你看完。


什么是SMF?

SMF其实就是Share Margin Financing的简称,
简单来说,
就是把手上的股票抵押给银行,
银行就会借贷一笔资金给你,
然后你可以用那笔资金投资更多股票或用于其他事情。

关于SMF的详情,
请询问那些Investment Bank,
而且最好问多几家,不要傻傻地只去一家,
可能下一家可以给你更好的offer呢?

话说................
如果你们一直都有看我的文章,
就会知道我有用SMF,
也就是借钱投资投资。

什么!?
借钱来.......投资股票!?
这是一个非常敏感的话题。
因为非主流。

可是..............每个人都借钱买屋子,买车子,
为什么就不能借钱买股票吗?

可能你会说屋子会升值,
但股票也会升值呀。

可能你会说股票会跌,会亏钱,
那么你借钱买汽车,车子也不是一直贬值吗?

为什么借钱买100%会贬值的汽车可以被容许,
但借钱买会升值的股票却不被接受呢?
就因为是非主流吗?

想当年........

我开始投资了接近一年,只获得28%的投资回酬,
就清楚了自己的能力界限。

我知道我当不了每个月赚30%,年年都赚几百%,整天开番的100番王,
我知道我不是超级投资天才。
我只是个凡人,一个普通人。

所以比起尝试当什么绝世仅有的投资天才,
或去拜什么百番王为师。

我决定不要做白日梦一步登天,而是脚踏实地,一步一步来!

于是,
我的课题是:
“身为平凡人的我,要如何才能获得比较高的投资回酬呢?”

于是乎,我找到了SMF。
我发现利用SMF,就能提高平凡的投资回酬。

举例来说,
如果一年的投资回酬是10%,那么利用1.5倍的SMF就能拉高到15%。
如果赚20%,就能拉高到30%。

听起来很爽对吧?
但先别那么高兴................

因为,SMF也是一把双面刃,
不单只是能够拉高回酬,甚至会加大亏损。

我在2014年时,
原本只亏了8%,但因为SMF,而亏损加大至12%。
试想想如果是亏80%,那么放大后就是亏120%,
可说是亏到连渣都没剩下!

不过,
我不会因为SMF有危险就不去使用,
就像明知开车上路有危险,
但如果好好地驾驶,就能减少危险一样,
我相信只要好好地投资,就能减低亏损的风险。

有些人抗拒借钱,
是因为觉得欠银行钱后,自己就低人一等,是个垃圾废物。

我觉得这个观念要改一改,
银行肯借钱给你,是因为看得起你,愿意跟你合作。

银行收了客户的存款,在烦恼着要怎样每年支付定期利息,
而我就是银行寻找的合作伙伴,银行让我使用SMF,
帮我在财务的道路上加速,
我则帮银行赚钱,好让银行有能力支付定期利息给存款客户。

这是个双赢局面,而我和银行并非上下关系,而是平等的合作伙伴。

最后我想说的是,
我在这里并非鼓励大家跟着我的方法去投资,
最重要的,
还是先了解自己,找到属于自己的一套!

可能根本不需要SMF,
你就是那个传说中的超级投资天才或千番王呢?

投资就是自己思考,自己做决定。

感谢阅读。


以上言论没有任何买卖建议,
大家买卖自负。


最近文章:
当年股票组合价值突破100K的感想
AJINOMOTO 2018年第2季度财政报告
主流想法真的对每个人都好吗?
Cocoland 2017年第3季度财政报告
来谈谈安全存款的另一面


其他链接:

2017年10月文章目录
我目前的股市投资组合
我的第一篇自我介绍文
我的脸书专页
我的推特:@TheCellist86













Sunday 24 December 2017

When my investment capital achieved 100K for the first time...


This is an old article that I wrote at 23rd December 2012, published at Investalks forum.
I wrote this article was to celebrate that my investment capital finally achieved 6 figures for the first time in my life.

Since this article is quite meaningful for me,
so I decided to transfer it here and translate it into english.

Since I wrote it at the age of 26,
5 years have passed,
so I will add some of my thoughts now at the end of this old article.

The old article starts here:


(Please bear in mind that all the currency mentioned is in Ringgit Malaysia.)


Originally I planned to achieve it at next year April,

but eventually I already having 6 figures value of share investment portfolio now.

As for these amount of investment capitals,

60% of it is the money that I earned and added into the capitals,
25% is the paper profit that I accumulated,
15% of it is OPM.

Time taken?

Less than 2 years.

Let's talk about the money that I earned and added into the investment first.


Since I am a child, I always have the habit of saving money.

During secondary school,
all my friends spent all their money at cyber cafe and tuition,
but since I have some problems of transportation,
so I couldn't follow them to go cyber cafe.

During our preparations of SPM exam,

everyone went to tuition for at least 5 to 6 subjects,
while I only tuition one subject which is English.

During STPM exam, I didn't even go to any tuition!


Then I entered local university to study which the tuition fees are very cheap,

after graduated,
I decided not to find a job,
but to be a S (Self-employed),
after one and half year,
I finally accumulated that 60%.

Luckily I am a saver,

also thanks to Money Management Jar System taught by T.Harv Eker.


Next, let's talk about the paper profit that I accumulated.


January 2011,

I started to enter shares market with only around RM8,000.
I was aiming for long term investment so I bought into AEON, CMMT, TWS and Texcycle.

I was still testing water that time,

then I started to add more capitals from the money I earned,
I sold CMMT, TWS, Texcycle,
and bought some blue chips:
NESTLE, PBBANK, DLADY, PANAMY, F&N, AEONCR.
That's how I accumulated those paper profit.

Especially thanks to AEON and DLADY,

because of them, I enjoyed the share price to double from my buying price.

Lastly the OPM,

I will not share anything about it at the moment.

Really thanks to Investalks forum,

thanks to whoever shared their investment knowledge on the internet,
thanks to 8k, Nifong, Huoshuyinhua, tan81, thermofisher, BBJ, 8years, tabibho, tyche6, Wuliaoren, Nightkid. (sorry if I missed anyone.)
Also thanks to Cold Eye who published share investment books.
Thanks to everyone at PLC,
because of you all,
I could went through all the struggles when I decided to not finding a job but to be a S.

Still remember last year April,

I stood in front of around 30 people from same university,
and confidently told them:"I will have 100k  within 5 years!"
Now only 20 months passed,
and I already achieved it.

Of course,

when bear market comes,
my portfolio might drop back to 5 figures,
but let me show off here awhile, to enjoy and to celebrate it~

"In this inflationary era, it becomes much more easier for a young people who just graduated from university, to obtain his/her good assets that worth 100k, what they need to do is just invest properly, get the capital properly, increase financial knowledge properly."


The end of old article.


Last time I skipped the part about OPM, 
I will write about it now.

OPM = Other People's Money.


This is the word that I saw from books by Robert Kiyosaki, the author of <<Rich Dad Poor Dad>>,

he suggested to use OPM to invest instead of using own money,
the OPM can be money from other investors or from the bank.

That time I was able to faster achieve 6 figures value of share investment portfolio,

was because I use OPM from the bank by SMF.

I took some times to consider whether or not to transfer this article to here,

because that time I was just 26 years old but already have 100k in share market,
so I was like a bit overconfident........
But still....
this article represented one of my milestone in my investment history,
so I decided to transfer it here and translate it into english.

Hopefully few years later,

I will be able to write another article for achieving 7 figures value of share investment portfolio.

Before ending this article,

I would like to share again the sentence I wrote that time:

"In this inflationary era,

it becomes much more easier for a young people who just graduated from university,
to obtain his/her good assets that worth 100k,
what they need to do is just invest properly,
get the capital properly,
increase financial knowledge properly."

Thanks for reading.



I don't provide any buying/selling suggestion above,
please make your own investment decision and be responsible with it.

当年股票组合价值突破100K的感想


这是一篇我在2012年12月23日在Investalks论坛写过的旧文,

是当年为了庆祝我的股票组合价值突破6位数而写的。

因为这篇文章颇有纪念性,

所以特此转贴过来。

我会在旧文结束后加上一些现在的想法。


当年26岁的我所写的旧文开始:


(记得钱币单位是以马来西亚令吉为主。)



原本,
我预计在明年四月之前才能达成。
但不知不觉,
现在我已经拥有市值6位数的股票投资组合了。


当中,
投入的资本占了60%
股价上涨的回酬占了25%
OPM占了15%
时间:不超过两年。


先说说所投入的资本吧!


由于从小到大都有良好的储蓄习惯,
中学时期,
朋友们都把 零用钱花在网咖和补习时,
幸好我交通不方便,
无法上网咖,
加上SPM考试时期,
人人补五、六个科目时,
我只补一科英文,
甚至STPM更加没有补习,
然后上本地大学省钱,
累积了一笔资本。
大学毕业后,
选择了不去打工,
而是Self-employed,
奔波了一年半,
本上加本,
才有了那60%
幸好我是个saver
也感谢T.Harv EkerMoney Management教导。


再说说投资回酬。


20111月,
一开始投资,
我只拿8000块入市,
就秉持着要好好投资的想法,
买了AEONCMMTTWSTexcycle
那时都是实验性地尝试,
然后慢慢地投入更多的资本,
卖掉CMMTTWSTexcyle
买入大象股:
NESTLEPBBANKDLADYPANAMYF&NAEONCR
才有了这25%的回酬。
特别感谢AEONDLADY
让我体会到股价开番的滋味。


最后的OPM
就不分享了,
免得误人子弟,
令人操之过急,
以致种下祸根。


真的感investalks论坛,

感谢在网上分享过的每一位前辈,
感谢8k、逆风、火树银花、tan81thermofisherBBJ8年、tabibhotyche6、无聊人、夜孩子等各位前辈的分享。(如有遗漏请见谅)
也感谢出书分享的冷眼前辈。


此外,
也感谢PLC的每一位,
没有你们的话,
刚开始Self-employed的那段时间会熬得更辛苦千百倍。
记得去年四月,
我在三十多个刚认识不到一天的同学们面前
信誓旦旦地说:“我要在五年内拥有一百千!”
20个月,
我就达成了这个目标。
当然,
可能一个熊市来,
我的组合就会跌到5位数,
不过至少让我在这里OEO一下,
爽一下也好。


在如今通货膨胀肆虐的时代,让刚从大学毕业的年轻人,能更容易地在两年内得到6位数的好资产,只要好好地投资、好好地得到资本、好好地增加财务知识就行了。”
与大家共勉之。



旧文结束。


文章当中没有分享到的OPM,

我就现在写出来好了。

OPM也就是Other People's Money,

别人的钱。

这是我在《Rich Dad Poor Dad》作者Robert Kiyosaki的其他同系列著作中所看到的字眼,

作者在书中鼓励资金不足的应该想办法利用OPM来投资,
OPM可以是找别的投资者或来自银行的钱。

当年我就是通过SMF从银行那里获得OPM,

才能更快地突破6位数的股票组合价值。

转贴这篇文章我也想了很久一下,

毕竟当年才26岁就有6位数的股票组合,
说实在有点少年得志,就妄自菲薄,
可以从文章里感觉出当年意气风发的样子....................
但这篇文章象征着我投资生涯中的一个重要里程碑,
所以还是转贴了过来。

希望几年后,

我可以写出股票组合突破7位数的感想。

在结束本文前,

想再分享一次当年写过的一句话:

在如今通货膨胀肆虐的时代,

让刚从大学毕业的年轻人,能更容易地在两年内得到6位数的好资产,
只要好好地投资、好好地得到资本、好好地增加财务知识就行了。”

感谢阅读。






以上言论没有任何买卖建议,
大家买卖自负。


最近文章:
AJINOMOTO 2018年第2季度财政报告
主流想法真的对每个人都好吗?
Cocoland 2017年第3季度财政报告
来谈谈安全存款的另一面
Oldtown 2018年第2季度财政报告


其他链接:

2017年10月文章目录
我目前的股市投资组合
我的第一篇自我介绍文
我的脸书专页
我的推特:@TheCellist86


Thursday 21 December 2017

AJINOMOTO 2nd quarter 2018 financial report


Recently the share price of Ajinomoto bounced back to above RM20 from around RM18,
so what had happened?

Let's see the latest financial report:

Comparing with last year corresponding quarter,
the revenue and profit rose significantly,
so wonder the share price bounced back.

Let's see the performance of each region:

If only looking at this quarter,
we can clearly see that every region improved,
but if look at the revenue for total of 6 months,
there is not much improvement at Middle East region.

Review of performance:

The increase in profit was mainly due to increase in revenue, stronger USD exchange rate and controlled cost.

Also mentioned that:

Previously share price of Ajinomoto dropped until around RM18,
that was because the performance of 1st quarter was not very good,
and one of the reason was because of sales dropped in Middle East region,
so since the Middle East replenished the stocks,
did it mean that sales for Middle East region has no more problem?

And then the prospects:

Just some commentary that we always saw in financial reports...........

I started to pay attention at Ajinomoto since they mentioned that they are going to expand food products,
but until now still no more news about it,
I wonder how is it going on?

Investment is about doing own thinking, making own decision.

Thanks for reading.




I don't provide any buying/selling suggestion above,
please make your own investment decision and be responsible with it.


AJINOMOTO 2018年第2季度财政报告


股价一度跌至RM18块的Ajinomoto最近反弹至RM20以上,
发生了什么事呢?

看看最新的财政报告就知道了:

跟去年同一季相比,
营业额、Operating profit和盈利都有显着的上涨,
难怪最近会如此受追捧。

看看各地市场的表现:

如果只看这一季,
是可以看到每个地区都有进步,
但看累积营业额的话,
就可以看到中东方面其实没有什么大进步。

管理层的发言:


良好的业绩主要来自于营业额的上涨、有利的美元兑换率和成本管控。

接下来也有提到:

其实之前Ajinomoto的股价一度跌至RM18块多,
是因为第一季表现不好,
其中一个原因是中东市场营业额下跌,
但现在看来,
中东已经补货了,
也就是说中东市场应该没什么大问题了吧?

然后Prospects:
都是一些老生常谈的东西.............

我会开始注意Ajinomoto是因为他们有说过要开展食品业务,
不过等了好几个月都没有什么动静,
究竟是怎样呢?

投资就是自己思考,自己做决定。

感谢阅读。




以上言论没有任何买卖建议,
大家买卖自负。


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其他链接:

2017年10月文章目录
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