Thursday 31 December 2020

2020年1月~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~


2020年12月:

List of articles of January~December 2020

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 2020:
My investment return for year 2020


September 2020:

我的2020年投资成绩

 
2020年9月到12月之间,
组合中手套公司纷纷股价大跌,
一方面其他行业公司股价则上涨,
互相弥补,
所以跟3个月前的回酬比起来只是下降了些许。

我的2020年投资成绩为ROA = 24.2%, ROE = 41.7%。

接下来对比看看2020年头和现在的投资组合,
2020年一开始时,
我的投资组合如下:
1) HARTA (26%)
2) AEONCR (20%)
3) LPI (14%)
4) ALLIANZ (13%)
5) STMKB (11%)
6) AEON (8%)
7) NESTLE (6%)
8) PANAMY (2%)

现在:

1) AEONCR (20%)
2) HARTA (19%)
3) ALLIANZ (16%)
4) STMKB (14%)
5) ELKDESA (10%)
6) KAWAN (10%)
7) KOSSAN (5%)
8) TOPGLOV (5%)
9) LPI (1%)

目前为止的回酬,
主要是靠在3月到4月之间所买入的各家公司股票,
当然手套公司提供了最多的盈利。

我在3月的大跌时一度失去3分之1的身家,
现在可说是好不容易赚了回来。

假设说,
我今年年头有100K,
那么大跌后我就只剩下66K左右,
靠着各家公司的大涨,
我才达到接近140K的水平。

从66K回到140K,
也就是要靠66K赚回74K,
所以只算我在股市最低点到如今的回酬其实是112.1%。

在这里顺便写下历年的投资成绩:
2011 : ROE = +28.0%
2012 : ROE = +32.8%
2013 : ROE = +15.0%, ROA = +13.3% (开始使用SMF)
2014 : ROE =  -12.0%, ROA =  - 8.0%
2015 : ROE = +21.6%, ROA = +13.3%
2016 : ROE = +38.0%, ROA = +22.2%
2017 : ROE = +40.5%, ROA = +24.9%
2018 : ROE = +16.0%, ROA = +13.3%
2019 : ROE =  - 3.2% , ROA =  - 2.2%
2020 : ROE = +41.7% ,ROA = +24.2%

也就是说,
如果2011年初我有1百万,
那么这笔钱经过10年的投资后,
会变成6百45万,
但很可惜,
2011年初还是大学生的我,
起始资金连5位数都不到。

如果没有利用SMF,
那么10年后只会变成4百万多,
不得不说SMF真的帮助了我不少。

关于接下来的投资方向.................

目前来说还是一样,
疫情没有什么改变,
就算疫苗面世了,
病毒也不可能隔天就马上消失,
所以我的投资也没有什么重大的改变。

在此也宣布一下,
我会暂停把每篇文章翻译成英文,
先专心于中文部落格,
毕竟最近每次想到写了文后还要翻译成英文,
都会觉得有种负担,
令到写文的兴致也跟着消失。

最后在这里再次奉劝各位,
到处趴趴走或聚餐之前请三思而行,
就像3个月前我说过的:
“大家一起CUTI-CUTI MALAYSIA,
结果就是COVID-COVID MALAYSIA了。”

要不要到处趴趴走或聚餐就跟投资一样,
都是自己思考,自己做决定,
并对自己所做的决定负起责任。

My investment return for year 2020

  
From September 2020 to December 2020,
the shares price of glove companies dropped a lot,
while shares price of companies from other industries rose.

As a result,
my investment return for year 2020 : ROA = 24.2%, ROE = 41.7%.

Below is the comparison of my investment portfolio at the start of year 2020 till now:

Start of year 2020:
1) HARTA (26%)
2) AEONCR (20%)
3) LPI (14%)
4) ALLIANZ (13%)
5) STMKB (11%)
6) AEON (8%)
7) NESTLE (6%)
8) PANAMY (2%)

Now:
1) AEONCR (20%)
2) HARTA (19%)
3) ALLIANZ (16%)
4) STMKB (14%)
5) ELKDESA (10%)
6) KAWAN (10%)
7) KOSSAN (5%)
8) TOPGLOV (5%)
9) LPI (1%)

My positive return were mostly contributed by the appreciation of shares price which I bought during the bear market at March and April,
of course glove companies contributed the majority of the profit.

I lost around 1/3 of my net worth during the bear market at March,
so now I can say that I finally earn back what I lost.

For example,
if I have 100K at the start of year 2020,
then I only left with 66K after the bear market.

From 66K back to 140K,
I had to earn 74K by investing 66K only,
which means that my return from the lowest point of shares market until now is around 112.1%.

Anyway,
My investment return for the past few years:
2011 : ROE = +28.0%
2012 : ROE = +32.8%
2013 : ROE = +15.0%, ROA = +13.3% (started using SMF)
2014 : ROE =  -12.0%, ROA =  - 8.0%
2015 : ROE = +21.6%, ROA = +13.3%
2016 : ROE = +38.0%, ROA = +22.2%
2017 : ROE = +40.5%, ROA = +24.9%
2018 : ROE = +16.0%, ROA = +13.3%
2019 : ROE =    -2.2% , ROA =   -3.2%
2020 : ROE = +41.7% ,ROA = +24.2%

If I have 1 million at the start of year 2011,
after 10 years of investment,
it will appreciate to 6.45 million.

Sadly,
I was an university student at year 2011,
I didn't even have 10k as my initial capital....

If without using SMF,
after 10 years it will grow into slightly above 4 million,
so I have to admit that SMF really helped me a lot.

As for my investment strategy for the future......................

For now,
the pandemic seems like nothing is changing,
even the vaccines are out,
but the virus will not disappear right away,
so my investment is still no changes as well.

Just that.......
everyone please think twice before going out to travel.

Everyone CUTI-CUTI MALAYSIA,
thus now COVID-COVID MALAYSIA~

Traveling is same like investing,
all are about doing own thinking,
making own decision,
and you take full responsibility of your decision.

LAST THING....
I AM SORRY FOR ALL MY READERS WHO READ ENGLISH VERSION,
since I will stop translating my future articles into English.

For the past few months,
every time I feel like wanting to write something,
and thinking that after writing in Chinese version I still need to translate into English version,
I suddenly lost the interest of writing.

Making this blog as Chinese version + English version somehow became a burden for me,
so I decided to stop English version,
and fully focusing on Chinese version.

Again,
I am sorry for English version readers.

Everyone please take care and good bye.

Thanks for reading.