Showing posts with label method. Show all posts
Showing posts with label method. Show all posts

Tuesday, 9 June 2020

My buying & selling record from 9th April to 28th April 2020


Feel free to read the previous article of my trading record series:
My buying & selling record from 13rd March to 23rd March 2020
My buying & selling record from 24th March to 8th April 2020
After my PANIC SELLING from 13rd to 23rd March 2020,
I started to enter PANIC BUYING mode from 24th March.

 Today I am writing all my buying & selling record between 9th to 28th April 2020,
so that next time I can refer back~
9th April:
Just like what I mentioned in previous article,
since I was greedy for the dividend,
so I bought some ELKDESA shares at RM1.21.

 At the same day,
the Covid-19 outbreak at Malaysia cool down faster than I expected,
so I switched my investment strategy into "Post-pandemic era",
thus I sold all my AEON shares at RM1.02,
leaving just 100 shares as memorial.

 Thanks to AEON,
I lost 5 figures of money...............

 Also the same day,
I sold my last bit of PANAMY shares at RM26.98,
thus I am no more a shareholder of PANAMY.

 After investing PANAMY for around 10 years,
I just earned a MYVI only..............
14th April:
I bought back some ALLIANZ shares at RM13.58 which I sold at RM12.30 last time.
Aiks..............
16th April:
I bought back some AEONCR shares at RM8.71 which I sold at RM11.50 last time.
17th April:
I bought back some ALLIANZ shares at RM14.34 which I sold at between RM12.30~RM13.58 last time.
Aiks............
20th April:
I bought some KOSSAN shares at RM5.57.
21st April:
I bought back some AEONCR shares which I sold at between RM11.50~RM14.08 last time.
The amount of AEONCR shares currently is more than the period right before I PANIC SELLING.

 At the same day,
I bought back some HARTALEGA shares at RM7.30 which I sold at RM6.41 last time.
Aiks.............
22nd April:
I bought back some ALLIANZ shares at RM13.88 which I sold at RM13.58 last time.
Aiks..........
23rd April:
I bought more ELKDESA at RM1.21.
29th April:
I bought back some STMKB shares at RM4.14 which I sold at RM3.35 last time.
Aiks.............
That's all for today.

 Just like what I mentioned before,
since I am more into long term investing,
and all the buying & selling above happened not long time ago,
so I will not comment anything about it.

 It is just meaningless to comment about short term performance if long term investing is the purpose.

 Anyway,
this wasn't the end of my Panic Buying,
I will continue writing it next time~

 Thanks for reading.

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

 List of articles year 2018











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Sunday, 24 May 2020

My buying & selling record from 24th March to 8th April 2020


Feel free to read the previous article of my trading record series:
My buying & selling record from 13rd March to 23rd March 2020


 At previous article,
I mentioned that I was panic selling from 13rd to 23rd March,
and the financing amount of my SMF account dropped from 6 figures to just 4 figures only,
my debt level was at historical low.

 Thus,
my panic totally gone on 23rd March,
I don't feel anymore burden like a stone pressing my shoulders,
I felt like walking on the cloud on my way to hospital to have a check-up on my surgical wound~

 HOWEVER,
I couldn't fell sleep that night.................
Because,
I was having another type of panic attack.

 Previously,
the shares market kept dropping and I kept losing more and more money,
so I was panic and started Panic Selling.

 NOW,
I was panic that what if the shares market already dropped to the lowest?
What if the market started to bounce back the next day?
I already lost more than 30% of my portfolio,
if I missed the bounce back,
it will be very hard for me to recover from the 30% loss of my portfolio!

 Another panic attack stroke at me,
so starting the next day 24th March,
I begun Panic Buying action.
At 24th March:
Since I am attracted by the dividend,
so I bought more ELKDESA shares at RM1.18.
At 25th March:
Considering that a lot of companies can't even do business during MCO period,
so I decided to buy back AEON shares which still can open door for business that time.

 Yeah,
I bought back some AEON shares at RM1.04 which I sold at RM0.93 last time.

 Aiks..........
At 26th March:
I bought back some ALLIANZ shares at RM12.50 which I sold at RM11.90 last time.

 Aiks..........
At 27th March:
I bought back some AEONCR shares at RM8.54 which I sold at RM7.89 last time.

 Aiks..........
At 30th March:
I bought back some ALLIANZ shares at RM12.60 which I sold at RM11.90~RM12.30 last time.

 Aiks..........
At 31st March:
Based on the same reason mentioned above,
I bought back some AEON shares at RM1.12 which I sold at RM0.93 last time.

 At the same day,
I bought back some STMKB shares at RM3.29 which I sold at RM3.35 last time.
At 1st April:
I bought back some AEONCR shares at RM8.57 which I sold at RM7.89~RM9.40 last time.
At 2nd April:
I bought some KAWAN shares at RM1.02 which I already eyeing it for few years.
At 3rd April:
Since the shares price of KAWAN bounced back very fast,
so I bought more at RM1.09.
At 6th April:
I bought back some STMKB shares at RM3.38 which I sold at RM3.35 last time.

 Also,
I bought more KOSSAN shares at RM5.12.
At 7th April:
I bought back some AEONCR shares at RM8.82 which I sold at RM9.40~RM11.50 last time.
At 8th April:
I bought more TOPGLOV shares at RM6.44.
That's all for today.

 Since I am more into long term investing,
and all the buying & selling above happened not long time ago,
so I will not comment anything about it.

 It is just meaningless to comment about short term performance if long term investing is the purpose.

 Anyway,
this wasn't the end of my Panic Buying,
I will continue writing it next time~

 Thanks for reading.

 I don't provide any buying/selling suggestion above,
please make your own investment decision and be responsible with it.
List of articles year 2018

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Thursday, 23 April 2020

My buying & selling record from 13rd to 23rd March 2020


As you all know,
I am not a person who likes to open up about my buying & selling record for investment,
usually I would just update my investment portfolio once in a 3 months time at here.

 Well,
since I don't need to open any investment class to get students and earn the fees,
so there is no reason for me to show off.

 Also,
sometimes I feel very ashamed to show everyone those investment which I lost my money at~

 HOWEVER during March 2020,
a sudden drop of the shares market happened which caused by the Covid-19.

 Even though I invested for almost 10 years,
this was the first time I became panic and did some irrational decisions.

 THUS,
I think is necessary for me to record down all the buying & selling decision which I made around that time,
so that it will be a reference for the future.

 FRANKLY SPEAKING,
at first when the Covid-19 started to appear,
I compared it with SARS and assumed that it will not affect Malaysia very much just like SARS.

 Until February,
even the new cases in China started to drop,
so I thought that this virus will soon be over and I still ALL IN at shares market.

 At March,
the virus slapped me on my face.
Ouch!

 Before looking at my investment decision from 13rd to 23rd March,
let's have a look at my portfolio at 1st January 2020:
(There was some changes on my portfolio before 13rd March,
but it wasn't related with Covid-19 so I will not talk about it here.)
1) HARTA (26%)
2) AEONCR (20%)
3) LPI (14%)
4) ALLIANZ (13%)
5) STMKB (11%)
6) AEON (8%)
7) NESTLE (6%)
8) PANAMY (2%)
At 13rd March:
(Around the days when the new cases started to grow in 3 digits number)
I sold almost half of my holding in ALLIANZ at RM13.58,
and I sold 1/4 of my holding in STMKB at RM3.99.
Aiks............

 Then I was thinking that the glove counters might be worthy to invest,
so I bought some KOSSAN shares at RM5.06,
and TOPGLOV at RM6.06.
Then the weekend came.
I was very anxious because more and more new cases,
and the newly formed government was like no action at all...
16th March:
I sold 1/3 of my holding in AEONCR at RM11.50,
and sold all of my holding in AEON at RM0.93,
only keeping 100 shares for memory.
Aiks...........

 At the same day,
I bought more KOSSAN shares at RM5.01.
17th March:

 The day when I was the closest to Margin Call.

 I sold 1/3 of my holding in ALLIANZ at RM12.30,
and sold half of my holding in STMKB at RM3.35,
and sold 1/3 of my holding in AEONCR at RM9.40,
and sold my NESTLE shares at RM123.10, (I am idiot.........)
and sold 2/3 of my holding in HARTA at RM5.95.
(which was my worst decision ever,
if I kept all my holding in HARTA,
my investment return will be not more than -10%.)

 Until that day,
my holding in STMKB left only 1/3 if comparing with early March......
19th March:
I sold 1/3 of my holding in ALLIANZ at RM11.90.
Aiks.........

 Thus,
my holding in ALLIANZ left only 1/4 if comparing with early March............
20th March:
I sold 1/4 of my holding in HARTA at RM6.41.
Aiks..........

 Thus,
my holding in HARTA left only 1/4 if comparing with early March.............
23rd March:
I sold 1/3 of my holding in AEONCR at RM7.89,
and I sold half of my holding in TOPGLOV at RM6.15.
Aiks..........

 Thus,
my holding in AEONCR left only 1/3 if comparing with early March............

 At the same day,
the financing amount of my Margin account dropped to less than RM10,000.
(usually I used more than RM100,000.)

 My investment return was around -30%.

 At the same time,
I started to feel that I oversold.

 Thus,
I started to buy shares at the following days........

 That's all for now,
I will write about my buying & selling record at 24th March 2020 at my next article.

 Thanks for reading.

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

 List of articles year 2018
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Thursday, 1 February 2018

ALL IN!!! At shares investment


"ALL IN !"

 Sometimes when we watch movie about casino,
during the critical part,
the hero pushed all his chips out and said:"ALL IN !"
then miracle happened and he received the best card to turn his losing position into winning position,
and won the game~
Didn't it make us feel exciting?

 So today I would like to talk about ALL IN,
but of course not about gambling,
is about ALL IN at shares investment~

 Personally,
I think there are 3 types of ALL IN:

 1)
A has RM110K.
A decided to do capital allocation,
so RM50K for FD, RM10K for normal saving account, the remaining RM50K for investment capital.
For A, it can be considered as ALL IN when all the RM50K was used to buy shares.

 This situation is same like you go to swim at a swimming pool which the depth of pool is only half of your height,
no danger of drowning.
2)
B has RM110K.
B put RM10K into bank account, the rest RM100K was used to buy shares.
This is another type of ALL IN.

 This situation is same like you go to swim at a swimming pool which the depth of the pool is right below your nose,
not very dangerous.
3)
C has RM110K.
C put RM10K into bank account, the remaining RM100K all used to buy shares.
Then C applied SMF account with bank,
borrowed another RM150K and buy shares,
totally RM250K worth of shares,
this is ALL IN for C.

 This situation is same like you go to swim at a swimming pool which the depth is more than your height,
it will be dangerous if you don't know how to swim.
As a conclusion,
same swimming activity, but different depth of swimming pool.
Same ALL IN, but different level of ALL IN.
For me,
the ALL IN by C is too "exciting" for me, will make me can't fall sleep at night,
and looking at the shares market now........... @_@
So C type of ALL IN is not suitable for me.

 As for A type of ALL IN,
I personally think that if your portfolio is not large enough,
then not much meaning for doing capital allocation,
instead of wasting time and energy to think how to allocate your capital,
is better to focus on increase your capital first~

 For B........
When I first started shares investment, I already ALL IN.
So yeah I started with B type of ALL IN.

 "What the..............! You ALL IN? What if you lost all your money?"
The reaction by A.

 Frankly speaking,
if you invest properly instead of gambling at shares market,
to lose all your money is harder than making a guy pregnant.

 Same like what I mentioned above,
if you swim at the swimming pool which the depth is below your nose,
is hard to have anything happened.

 There were two reasons why I ALL IN when first started shares investment:

 First,
in order to faster accumulate investment  experiences,
I think ALL IN my capitals to go through the UP and DOWN of shares market is the best shortcut.

 Same like to learn how to swim, is better to put ourselves at a swimming pool with certain depth right.
Second,
I didn't become employee, I become S (Self-employed),
so my monthly income is at least double than those who graduated same time as me.

 For me,
income is same like height,
for example swimming at the pool with depth of 200cm,
is totally different for someone with 150cm height and someone with 220cm height.

 Even though we can't increase our height, (Damn.......T_T)
but luckily,
we can increase our income~

 If the income is high enough to quickly cover the loss at shares market,
I had less worries when ALL IN.

 Moreover,
if your income is doubled,
it doesn't mean that you can just double your investment capital, it will be more than that!

 If the monthly expense is RM2000,
for someone with income of RM3000,
only has extra RM1000 to invest.

 But if income is RM6000,
then will have extra RM4000 to invest,
RM1000 vs RM4000!

 With high enough income,
it enabled me to ALL IN at shares market without a lot of worries and pressures.

 Of course,
that was my ALL IN at 5-6years ago.

 After that,
I faced a question:
"After ALL IN, what if suddenly I need to spend a large sum of money?"

 This happened to a lot of people who started to invest same time as me,
they had to sell the shares of good companies in order to pay for down payment of car or house.
As a result, they reversed a few steps back at the road of accumulating wealth.

 This is not a problem for A,
but is a problem for B who almost ALL IN all the money,
which was me.

 "How can I ALL IN at shares market,
by keeping all the shares of good companies without selling it,
but I still can spend a large sum of money when sudden needs occour?"

 Facing this question,
I found my solution later, which is SMF.

 According to the article I wrote at 28th December year 2017,
I mentioned that SMF can help me to increase my investment return.

 Apart from this benefit,
SMF actually allow us to withdraw money to use.

 Of course,
it is not free money,
the money withdrew will become debt and interests will be charged at us.

 Anyway,
by having SMF account,
I am able to keep all the shares of good companies,
and still able to spend large sum of money whenever I needed to,
it fulfilled my thinking of "I WANT BOTH!".

 After having SMF account,
instead of having 100% of my capital ALL IN at shares market,
it became 110%, 120% and even 130%~

 So, my ALL IN level is between B and C now.

 Of course,
this is my choice, my ALL IN.

 The most important thing is.........
think about your current situation and plan carefully,
then only consider to ALL IN or not.

 Investment is all about doing own thinking, making own decision.

 Thanks for reading.


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Wednesday, 22 November 2017

The Importance Of Long Term Sustainability


I believe we all heard about all these things before:

 Someone earned a large sum of money from share investment in a very short period of time,
and then lost it at the share market,
after that earned a lot again,
but at the end still lost it in share investment.
Like riding a roller coaster, sometimes earn, sometimes lose money.

 Or,
someone successfully reduced a lot of weights in a very short period of time,
but the weight bounced back again in a blink of eyes.

 Or,
someone went to gym almost everyday to workout,
successfully gained a lot of muscles and 6 packs of abs.
But very fast, the abs all gathered again to become 1 instead of 6,
all the muscles also became loosen....

 Of course,
there were a lot reasons to cause someone lost something in a short period of time.

 But I think one of the reason,
is because those people ignored the importance of long term sustainability,,
they used those methods that can't sustain for a long period of time.

 Some people hoped to reduce weights fast,
so they went for drastic diet,
yes they successfully became thinner in a short period of time,
but they can't continue the drastic diet,
so their weights quickly bounced back,
some even destroyed their bodies because of drastic diet.

 Same goes for people who wanted to build muscle and 6 packs of abs,
everyday ate the same chicken breast and vegetable, zero oil.
Yes they can do it in a short period of time,
but can you continue doing it for the rest of your life?

 Of course,
I am not opposing diet or weight training.
I also doing weight training,
but I am not aiming for short term,
I am not rushing to join fitness contest anyway,
what I want is to be able to exercise until the day I die,
so I didn't over limiting my diet,
and always beware of my workout postures to prevent injuries,
I am aiming for long term.

 What I want to say is.......
there are many methods in the world,
but are you sure that the method you are using right now can be sustained for long term?

 Same goes for investment,
that's why I chose long term investment.
This is because long term investment has higher confirmability for huge profits.

 Just take a look at those companies that I am investing now:
NESTLE, AEONCR, PBBANK, LPI, F&N and some more,
all these companies are either producing products or services that consumers needed for long term.

 This is my investment method,
long term investing at companies that are able to survive for long term and the profits are long term sustainable.

 That's why I never go for companies that suddenly profit grew just because a land is sold or other short term reasons.
All these profits are not long term sustainable.

 Of course,
I am not opposed to short term investment.
I think there are short term investment methods that can profit for long term instead of sometimes earn money but sometimes lose money.
Just look for investment methods that the profits are long term sustainable.

 Since,
 investment is a marathon race and we will be investing for the rest of our lives.

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





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Monday, 6 November 2017

How I build my confidence to invest at a company for long term

Last time I wrote the article <<The consequence of long term investing>>,
so now I feel like want to elaborate more about long term investing,
that's why I chose this topic to write.

First thing first,

I think the most important is still understanding ourselves first,
before investing any company.
You can refer to the article <<DISC, 4 basic types of human personality >> that I wrote at October 2017.

Try to ask yourself.

What kind of person I am?
How is my personality?
Do I like something exciting?
Am I patience?
Do I easily change my mind?
Am I stubborn?

If you like something exciting,
then I don't think that long term investment suits you,
because it is quite a boring investment method.

Long term investing for few years, even more than 10 years,
can I tolerate this long?
Or....
am I willing to challenge myself to test my tolerance?

If your answer is "YES.",
then only you can start to consider long term investment.

If your answer is "NO",
then you can consider short term investment instead.
If you found the correct method,
not only is exciting,
but you can earn money as well.
Isn't that better?

I remember I saw a sentence from a investment guru:
"If you want to be a long term investor,
you need to be believer of better tomorrow."

If you everyday also imagine that tomorrow will be the end of the world,
or World War 3 is going to happen soon,
or Malaysia's economic will bankrupts soon,
then how can you have the confidence to invest for long term?

Apart from knowing about your personality,
is better to find out your cycle of competence as well.

What is cycle of competence?
It is an area where you have unfair advantages at.

For example,
let's say you are working at a shopping mall,
then don't you think that you have the unfair advantages of knowing which product is selling more,
which is selling less lately?

Understanding yourself is the 1st step.


2nd step,
is to understand the company.

How deep you can dig into a company to find out more information about it?

As for me,
if you look at my investment portfolio,
you will know that those companies that I invested at,
are either we can see their branches everywhere,
or their products can seen at any places.

Investing at a company that you are familiar at will help in building more confidence at it.

However,
you can't just invest at PARKSON or AEON just because you visit there everyday,
you need to understand their financial condition as well.

From here,
I will turn into a C type person.

If I found a company that I am interested to invest at it,
I will download and read all the annual reports of that company from Bursa website,
including the quarterly reports for the past 2-3years.
I will try to know the company basic financial ratio like EPS, PE, ROE and others,
observe if there is any changes on revenue or profit lately,
see do they have any plan to expand at the future.

That's all my 2nd step.

Of course you don't have to follow exactly what I did,
the important thing is to have your own way which worked well for you.


3rd step,
understand the share market.

What I meant here,
is not telling you to try to predict the up and down of share market,
or tomorrow will rise or drop.

What I meant was......
how do you define "share market"?
"share market" is what kind of place for you?

Is it a place to earn fast money?
Or is it a place to accumulate wealth?

How you define "share market", will influence your investment method too.

After having a clear definition of "share market",
after confirming that you want to invest for long term,
after finding a company which is suitable for long term investment,
after knowing that share market is a place to help you accumulate your wealth,
then is time to buy the share.

How we buy the share is different for different investors.

I will take me as an example.
Just an example, please don't follow exactly what I did,
is better to have your own way.

After deciding which company to invest at,
usually I will buy a little shares only,
I will not straight away used all my capital, because once I did that,
I might not be able to fall sleep at night.

After buying a little shares,
I will buy more carefully,
slowly accumulate.

This is because sometimes the confidence does not start with 100%,
as time goes by,
my confidence at that company will rise too,
and then I will buy more shares,
slowly accumulate more and more shares of that company.

But yeah.....
most of the companies that I invested with this method,
the more I bought the more I feel heartache,
this is because the share price kept rising,
I have buy with higher price every time........

Somehow I just can't straight away spend all my capital at one time,
because I really can't fall sleep at night if I did that.

That's all about how I build my confidence to invest at a company for long term.

Thank you for reading.


Other articles :
A book that influenced my life
4 basic types of human personality
Year 2017: The consequence of long term investment
Public Bank 3rd quarter financial result
Handling investment with ease



Other links:
List of articles of October 2017
My current investment portfolio
My self-introduction article
My Twitter : @TheCellist86



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Tuesday, 31 October 2017

DISC, 4 basic types of human personality

This is an article that I wrote during 28th July 2011.
I decided to copy it here and  add some new elaborations.

DISC, 4 basic types of human personality:










1) D -- Dominance
Dominant type.
Good at leading and giving orders, dare to take risks.
Sometimes they can be argumentative, and not listen to other people's opinion.
They always talked the most and lead in conversations.

Actually,
I seldom see D type people at share market.
Maybe because they tend to be in control of situation,
while in share market they have no control of the company invested and no control of share price,
unless large shareholders.

Based on my own experience,
I saw D type people went to AGM to quarrel with company chairman and CEO because they don't like certain decisions of the management team.

Nevertheless,
D type people likes to focus on future and the bigger picture,
and they dare to take risks.
The return of their investments will be very high if they chose the right share.


2) I -- Influence
Influential type.
they are outgoing and like to be with people,
easily adapted to new place with a lot of strangers.
However their time management might not be good enough,
and don't like works with high complexity and high repetitive.
when in a group of people,
they tend to be center of attraction and have positive sense of humor.

Based on what I saw in share market,
I type people invest by following their feelings.
Buy because feel like will rise.
Sell because feel like will drop.
Everything by feelings.
Usually they tend concentrate investment into a few stocks only,
or even dare to ALL IN at only one stock.

If they chose the wrong stock, then bye bye~
However my friend who is a I type person,
earned a huge amount of money by ALL IN at one stock only.


3) C -- Compliance
Compliant type.
They emphasis on principle, do things accurately, focus on logic and numbers.
However,
they are not good at presenting themselves.
Usually too passive in a group....

Based on what I saw,
a C type person before making any investment decision,
they tends to read through a bunches of information and reports,
did researches and analysis, wrote down a lot of notes,
very hardworking.


4) S -- Steadiness
Steady type.
they emphasis on being steady and stable, even-tempered and sympathetic with others,
a loyal follower in a group.
However,
they are slow in decision making and tend to be passive.
Usually in a conversation,
they tend to be listener.

Since S type person tend to be a follower,
so they will have a thinking like:"Just let the management of the company settle everything!" when they invest in a company.

I am a S type person.
Since I look for stability, so I bought into those steady companies.
I am loyal too, after buying into a company,
I am able to hold it for many years,
so suitable to be a long term investor.


That's all for the 4 basic types of human personality.
Of course a short article like this is not enough to cover everything,
feel free to research more if you are interested at it.

The reason why I wrote this article is because I personally think that in investment,
before study a company,
is better to study yourself.

By knowing which type of personality you have,
then you will know which investment method is best for you.

Sometimes,
the problem is not picking a good timing, or good company, or good entry price,
the problem is.........
are you a good investor?

Knowing about yourself,
is one of the steps to be a good investor.


Related links :
Year 2017: The consequence of long term investment
Public Bank 3rd quarter financial result
My opinion about oversea market
Handling investment with ease
Comparison of portfolio at the start and end of year 2011



Other links:
My current investment portfolio
My self-introduction article
My Facebook Page
My Twitter : @TheCellist86






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Sunday, 29 October 2017

Year 2017:The consequence of long term investing.....................

I written this article 2 years ago at the investment forum,
and then I update it at end of October every year.

Why did I write this article last time?

This is because 2 years ago at the investment forum,
someone with username "saingkee5151" posted an thread with the title "Long term investment, 10 years strategy!!".
(the thread title is directly translated from mandarin so......... -_-)

Anyway,
at that time I felt like post something at that thread too.
However I started investing at year 2011 and it was year 2015 that time.
People talked about 10 years, my investment experience only around half of 10years,
so I felt like I am not qualified to say anything at that thread..........

I was curious though.
Those shares that I bought at my early time and hold it until now,
how much returns were they?

So I started to record:
(based on closing price of 27th October 2017, I only record those shares that I bought and still holding them until now.)

1st,
is the shares I bought at year 2014:


LPI。
Today closing price：RM18.24
Lowest price bought at that year ：RM11.24 (adjusted with bonus issue)
Return (excluding dividends )：62.3%
Dividend (according to payment date)：
2014 : 13.3sen
2015 : 36.7sen+20sen
2016 : 50sen +25sen
2017 : 55sen + 27sen
Total dividend ：RM2.27
RM18.24+RM2.27 = RM20.51 (Total return is 82.5%)
If I used 1millions to buy in that time,
it will grows into 1.825millions now.
If leverage, easily 2millions.
If dare to maximize leverage, can reach 3millions.


Then, the shares that I bought at 2012:


AEONCR.
Today closing price：RM13.94
Lowest price bought at that year ：RM5.58  (adjusted after 2 times bonus issues )
Return (excluding dividends )：149.8%
Dividend (according to payment date)：
2012 : 9.3sen+10.7sen
2013 : 13sen + 14.9sen
2014 : 16sen+18.3sen
2015 : 19.7sen+19.9sen
2016 : 19.7sen +20.3sen
2017 : 21.7sen
Total dividend ：RM1.835
RM13.94+RM1.835 = RM15.775 (Total return is 182.7%)
If I used 1millions to buy in that time,
it will grows into 2.827millions now.
If leverage, easily 4millions.
If dare to maximize leverage, can reach 5millions.


Lastly, those shares that I bought at year 2011:

PANAMY.
Today closing price：RM39
Lowest price bought at that year ：RM17.50
Return (excluding dividends )：122.9%
Dividend (according to payment date)：
2012 : 11.25sen+78.75sen
2013 : 11.25sen+173sen
2014 : 11.25sen+58sen
2015 : 15sen+127sen
2016 : 15sen+124sen
2017 : 15sen+102sen
Total dividend ：RM7.415
RM39+RM7.415 = RM46.415 (Total return is 165.2%)
If I used 1millions to buy in that time,
it will grows into 2.625millions now.
If leverage, easily 3millions.
If dare to maximize leverage, can reach 4millions.


PBBANK.
Today closing price：RM20.48
Lowest price bought at that year ：RM12.68
Return (excluding dividends )）：61.5%
Dividend (according to payment date)：
2011 : 20sen + 28sen
2012 : 20sen + 30sen
2013 : 22sen + 30sen
2014 : 23sen + 31sen
2015 : 24sen + 32sen
2016 : 26sen + 32sen
2017 : 27sen
Total dividend ：RM3.45
RM20.48+RM3.45 = RM23.93 (Total return is 88.7%)
If I used 1millions to buy in that time,
it will grows into 1.887millions now.
If leverage, easily 2millions.
If dare to maximize leverage, can reach 3millions.


NESTLE.
Today closing price：RM87
Lowest price bought at that year ：RM47.60
Return (excluding dividends )）：82.8%
Dividend (according to payment date)：
2011 : 55sen
2012 : 125+55sen
2013 : 155+60sen
2014 : 175+60sen
2015 : 175+65+65sen
2016 : 130+70+70sen
2017 : 130+70sen
Total dividend ：RM14.60
RM87+RM14.60 = RM101.60(Total return is 113.4%)
If I used 1millions to buy in that time,
it will grows into 2.134millions now.
If leverage, easily 3millions.
If dare to maximize leverage, can reach 4millions.



AEON
Today closing price：RM2.05
Lowest price bought at that year ：RM1.4425
Return (excluding dividends )）：42.1%
Dividend (according to payment date)：
2011 : 4sen
2012 : 4.75sen
2013 : 6sen
2014 : 5.5sen
2015 : 5sen
2016 : 4sen
2017 : 3sen
Total dividend ：RM0.3225
RM2.05+RM0.3225 = RM2.3725(Total return is 64.5%)
If I used 1millions to buy in that time,
it will grows into 1.645millions now.
If leverage, easily 2millions.
If dare to maximize leverage, can reach 3millions.


DLADY
Today closing price：RM60.02
Lowest price bought at that year ：RM18.44
Return (excluding dividends )：225.5%
Dividend (according to payment date)：
2011 : 37.5sen
2012 : 130+130sen
2013 : 130+130sen
2014 : 110+110sen
2015 : 110+110sen
2016 : 110+110sen
2017 : 110+60sen
Total dividend ：RM13.875
RM60.02+RM13.875 = RM73.895(Total return is 300.7%)
If I used 1millions to buy in that time,
it will grows into 4.007millions now.
If leverage, easily 6millions.
If dare to maximize leverage, can reach 8millions.



Everytime after finishing this,
I always feel wasted that if only I have 1 million at year 2011.....
but at that time my investment capital was not even 5 figures..........

Anyway,
this year is already my 7th year of long term investing,
and I will still apply this same strategy.

I will update this article next year October~



Related links :
Public Bank 3rd quarter financial result
My opinion about oversea market
Handling investment with ease
Comparison of portfolio at the start and end of year 2011
My current investment portfolio


Other links:
My self-introduction article
My Facebook Page
My Twitter : @TheCellist86


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Thursday, 26 October 2017

Public Bank 3rd quarter financial result

Public Bank 3rd quarter financial result has been released at today(26th October).
Even though I am just mini shareholder which as small as bacteria....
Once the result is out,
I straight away download the financial report from Bursa website.

When opening the report,
I am feeling calm and don't feel anxious at all,
as stable as the financial result as Public Bank:
































Unexpectedly,
the third quarter profit actually grew a lot if comparing with 3rd quarter last year.

I always emphasized the Profit Before Tax by segment whenever I am reading the financial report of Public Bank:
















We can see that most of the segments had good growth in profit.
Some segments didn't perform well,
but overall is not that significance.
This quarter result is really good.

The profit grew by RM399, 114, 000 which RM58, 277, 000 were from overseas operations.
Even though oversea operations only took 9.8% from total profit,
but contributed 14.6% of the profit growth~


Lastly:














Global economic expansion is expected to continue,
recovery in euro area,
growth-focused policies in China,
emerging economies are expected to benefit from strong external demand and sustained domestic activies.

Oh wow.....
It has been a long time since the prospects of Public Bank is written so positively.

What caught my attention the most,
is the last sentence from the 2nd paragraph:
“Malaysia's exports will continue to benefit from the improvement in global demand.”
I feel like my decision of emphasizing more on local companies which have export markets is being supported~

Hehe,
anyway I am satisfied with this quarter result,
Public bank please continue to perform well, fighting!!

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

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Saturday, 21 October 2017

Handling investment with ease

Lately I have been reading a book <<I Decided To Look Down On Life >>.
(I translated the book name directly, so might not be the exact name....)
The author of the book thinks that the world can be handled easily,
and I do agree.

For example,
our basic 4 necessities "clothes, food, stay, transport" all can be handled easily.
Somehow,
people living a suffered life is because they chasing for branded clothes, eating at luxurious restaurants, buying big houses, buying luxurious cars.

Listen,
I am not telling everyone to stop going after those things and be stingy.
This is because when we have something to go after,
only we will try to improve ourselves.

It is just that sometimes..........
when we feel like living at this world is suffering,
perhaps we can change our minds to think that everything can be handled easily?
Isn't it better to go after something because WE WANT TO BE BETTER,
not because of suffering?

I think we went too far......

Back to investment,
I think the investment can be handled with ease as well.

Whenever I told someone I invest,
most of the people will start to imagine that I wearing thick specs,
sitting in front of computer all day long,
keep staring at the share price's movement on the screen,
read a lot of charts and reports which is hard to understand,
and think that investment is hard.

Actually,
I invested for almost 7 years,
and I never think the investment is hard and suffering.
Instead, is easy and relaxing.

Maybe is because of the way how I did my investment~

What I did at everyday except weekend,
I will just open the screen at the morning to see the share price,
just in case there is any bargain,
also to make sure that I won't forget my password to log in.
All this only took me 5 minutes.

After the market closed,
I will check the Top Gainer and Top Loser lists.
Since most of the shares I investing having double digit share price,
usually a bit of changes also enabled them to be in the list.
All this only took me another 5 minutes.

Totally is just 10 minutes per day.

When the companies I invest or having interest at release the quarterly financial reports and annual reports,
I will download and read it.
Sometimes I will go to shopping mall nearby,
to do "field check" and to see is there any new products offered.

That's all I did for my investment for the pass years.

Of course I am not saying that you must follow my way.
NO NO NO~

It is just that......
whenever you feel that the investment is hard and want to give up,
just think again....
is it really hard?
Or actually investment can be handled with ease?



Related links :
Comparison of portfolio at the start and end of year 2011
My current investment portfolio
My self-introduction article
My Facebook Page
My Twitter : @TheCellist86

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