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Checking Out Chart Pattern

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Based on request, not all of us would know how to read financial statement or annual report from the Corporate, after all, it is full of figures and amount everywhere. For those who know how, it is a plus for them.  With the financial statement, though it could not translate the meaning of the shares prices up and down, it is certainly safer for investors to invest a profitable corporate much more worth then invest a net-loss making corporation and even PN17 companies.

For shares chart, there are general rules or guidelines to be determined to avoid mistake on "buying" the shares, and "trading" the shares. 'Buying' shares mostly mean, we keep for quite a long time especially shares with dividend. While 'trading' shares definitely buy and sell within months that usually would not be kept and not to be hold for years.

Let's have a look :

1. The Industries Behavior. Selection shares based on Industry Performance.
Knowing the industry sector in char…

About : Forex

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Would it possible for all of us,

a) Fixed Deposit, making 70% return of investment (ROI) in 20 years or 3.5% annually.
b) Unit Trust, making 70% return of investment in 10 years or 7% annually.
c) Shares, making 70% return of investment in 5 years or 14% annually.


How about Forex? Would it able to generate 70% return of investment in a year?

Forex is a actually totally different thing. It is a very very risky investment. There are rules to be followed:

a) Not suitable to those over 50 years old.
b) It needs to be a very low investment at USD10 or USD100.
c) Target Profit and Stop Loss must be used. 
d) Risk Reward should be  1:1, 1:2, 1:3, 1:4, 1:5
e) Use Compounding Interest
f) Develop a simple way to win and to lose.
g) Using Chart

It is quite similar to gambling Risking & Reward as well as the Possibilities of winning and losing percentage. Practice first before jumping in with real money because it always makes us losing money due to emotion meltdown, and inconsistency…

About : Shares Market

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For Fixed Deposit (FD), it is estimated 70% return of investment (ROI) in 20 years.
For Unit Trust, it should be at least 70% return of investment in 10 years, which is similar with KWSP Dividend return 6% - 7% annually.


How about Shares Market or Stocks Market, 70% return of investment in 5 years time? which probably 14% yearly profit.

Let's do some calculation below:-
a) 14% ROI in a year =  14% in a year (possible? )
b) 14% ROI in 6 months = 28% in a year (possible? )
c) 14% ROI in 3 months = 56% in a year (possible? )
d) 14% ROI in 1 month = 168% in a year (possible? )


Once we have reached the targeted 14% based on the above calculation, it is advisable to sell or exit the shares. Unless our target is 28% ROI?

One simple rule is that Shares Market ain't as steady as FD, as FD won't give us any losses.

Certain investment requires certain tools and methodology.

One may find it hard to digest when we say, the profit earned from Shares should not put back into the shares…

About : Business Making

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In The 21st Century


We need to spend time and little money to read some well-known financially education books to enrich our knowledge.

Business Minded People such as Robert Toru Kiyosaki, is best known for his Rich Dad Poor Dad (RDPD) series of motivational books and other material published under the Rich Dad brand.

Here is my following comment and suggestions :

Basically, when we are looking at some point about Poor and Rich,

a) The Rich has so much free-time to think of how to spend as well as how to invest their money
b) The Poor has little to spend and little time to think due to workings and busy making earning.

Solution : The Poor need to locate time to be Financially Well-Educated that working smart rather than working hard. First step to do is to know how to do Budget.

For example, let's assume after deduct EPF is RM3000

Expenses + Food : 30% = RM900
Insurance : 10% = RM300
Car Installment : 25% = RM750
Savings : 10% = R…

About : Fixed Deposit

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In Malaysia, by an estimation average of 3.5% interest per year, for 10 years, it would be reached 35% in total. While given 20 years it would give us a total 70% interest for the return of investment. This is not the case for Singapore 0.70 % and Thailand 2.50%.

You may find the world fixed deposit rates at https://www.deposits.org/world-deposit-rates.html

1. Do we think we should invest in Fixed Deposits?
Yes. This is the lowest risk among all the investments scheme or options out there and the most flexible to take out the money when there is an urgent needs.

Everyone is basically complaining it is the lowest return of investment (ROI). However, I am finding it interesting, as it is a very basic tool to calculate ROI.

2. A basic tool to understand Return of Investment?
By comparing on ROI of bank on credit cards vs ROI of our Fixed Deposits, it would make such an impact that credit cards is very mean to tell us, who is the smartest.

Therefore, minimize our outstanding credit card u…