Wednesday, December 26, 2012

Dollar Cost Averaging




My dear friends, you could apply this method by invest in Public Mutual. Its a medium to long term investment strategy.

Need to know more? Please contact me :)

Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: lancer.publicmutual@hotmail.com.com
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www.lancerlimutc.blogspot.com
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"Investopedia Video"

Tuesday, December 25, 2012

十年前100元,现今是300元

网友:试过在大众信托的中华基金亏了30%以上,现在对投资有一些抗拒。
---------------------------------------------------------------------------------------------------------------
答:在中华基金亏了,投资亏损了,这就像驾车出车祸大撞了一次,以后都不驾车吗?


基金投资整体上,无论在收益、风险来看都是可行的,你的问题是分布的问题,以后投资可考虑采用3-3-4 方案,30%本地基金,30%区域基金,40%债券基金,三角鼎立,较稳当安全。

第二问题是没有平均化成本,没有每月定期定额投资,减低风险。

研究投资方面,在基金投资,第一关是由基金经理、分析员把关,他们进行环球经济、各国经济、各领域、个别股项、债券方面的研究,负责投资分配及调整。第二 关则由基金顾问负责,做出投资建议,灌输投资理念,做配置建议。最后,第三关,才到投资者,工作也不多了,拥有投资最终决定权---进场、离场。

纵观大众信托所有的基金,无回报及亏损占了小部分,都是属于区域基金尤其是涉及中国,大众信托经营了31年,区域基金最久远的也不过是5年,考虑到股市的完整周期是7年至12年(经历高低潮),在现时低潮或低谷对表现差劲的区域及中华基金做个总结算未免太武断了。

昨天,做了一个基金回报表(十年收益),长久投资的回酬是蛮不错的,平均回酬是大约两倍。这意味着当年每100元的投资,现今的价值是300元。

Merry Christmas!


Sunday, December 16, 2012

神奇的“复利效应”

野猪和猴子在一片收割过的田地里发现了一袋农夫们丢下的玉米,于是它们兴高采烈地平分了这袋玉米。

转眼第二年秋天的时候,野猪和猴子坐在田间聊天。猴子对野猪说:“还记得去年这个时候,咱们捡到的那一大袋玉米吗?今年如果再拣到玉米,就可以像去年一样舒舒服服过冬了!”

野猪听完猴子的话,疑惑地问:“猴子老弟,难不成你把去年分得的玉米全都吃光了?”

猴子点点头:“没错呀!不吃光,难道还留着吗?”

野猪听罢,摇了摇头:“看来今年你还得出去寻找过冬的粮食不可了!我把去年分得的粮食留下一部分,找了块肥沃的土地种下去,今年的收成还不错。如果以后我每年的收成都很不错,那么我就不需要天天为找食物而奔波,年老时也不必为找不到食物而犯愁了!”

---------------------------------------------------------------------------------

寓言中的野猪很有理财观念,它留下了玉米,利用复利的效应使其在数量上不断翻番。实际上,理财的关键就在于此:通过复利的方式,使你的资产经过一段长时间实现快速增值。

复利计息是人类最伟大的发现之一,号称人类的“第八大奇迹”,爱因斯坦称之为“本世纪最伟大的发现”。你只要以较少的本金作为投入,经过一段相当长的时间,复利就会产生明显的作用,到时候就会获得惊人的收益和回报。

正常的单利,是以你的本金为基数计算利息,只表示你的本金得到的利息,在单位时间所生的利息不带入本金滚动计算;而复利是将你的本金和单位时间(一般为一年)所生的利息一起滚雪球累加计息。

举个例子,可以让大家更明白。假如你投资1万元,找到一份年回报率20%的投资,不按复利计算,30年后你连本带利将得到7万元,其计算公式是:
10 000 ×(1 + 20% × 30)= 70 ,000元

假如你还是投资1万元,进行一份年回报20%的投资,如果每年都能保证相同的回报率,按复利计息后,30年后的收受益将近240万!其计算公式是:
10 000 ×(1 + 20%)30 = 2, 373, 763元

如此对比,差别显而易见。复利计息意味着你赚到的利息还可以不断生钱,这要比在银行定期存款的本金赚取利息强得多。

提到复利,就不能不说说“72法则”。

所谓“72法则”,就是“如果以1%回报率的复利计息,经过72年后,你的本金会变成原来的一倍”。这个公式可以很好地举一反三,比如你想知道做一项回报率为10%的投资,在多长时间内本金可以翻一番,就可以用72除以每年的回报率10。即:72÷10=7. 2年。


赚钱不只靠薪水,钱生钱是非常重要而且也非常必要的收入来源。工薪阶层靠长期投资带来的复利效应绝对可以过上非常富足的生活。

要牢记:复利计息仅限于你是长期持有且要将红利进行再投资,并且还要能保持一定的收益水平。一般来说,很少有投资是为你复利计息的,但你可以按照复利的方式去投资。因此,用好你手里的钱,现在就开始做长线投资,让复利这个“神奇的计算器”为你钓到大鱼吧!

Sunday, December 2, 2012

Invest Your EPF Saving with Public Mutual

The cost of living is constantly on the rise and many Malaysians now realise they will need to make their retirement funds work harder. By investing your EPF monies in unit trust products, you are giving yourself more opportunity to overcome the effects of inflation and enjoy your golden years.

''About 70% of contributors who withdraw their EPF savings at the age of 55 tend to spend all their savings within three years''

Benefits
  • No cash investment required
Investment is transacted directly from your EPF Account 1.
  • Diversification
Opportunity to diversify your retirement funds with EPF approved funds.
  • Capital Appreciation
Opportunity to reap capital growth as part of the return on your investment to boost the total lump sum of your EPF savings.

EPF Members Investment Scheme
  • This scheme allows EPF members to invest 20% the amount in excess of the required Basic Savings in Account 1.
  • You can only invest through appointed unit trust fund company of Institusi Pengurus Dana (IPD) by the Ministry of Finance.
  • Public Mutual's IPD number is 003.
  • You are allowed to make your second withdrawal three months after your first withdrawal, provided you are still eligible
To Qualify

EPF Memers must have Basic Savings as stipulated below according to age in order to invest.
.
Basic Savings

Basic Savings is a pre-determined savings amount in your Account 1 according to your age brackets to enable you to achieve a minimum savings amount of at least RM120,000.00 when you are 55 years old. This saving may not be withdrawn until you are 55 years old.

The table below shoes the Basic Savings at various ages:

AGE (YEAR)
BASIC SAVINGS (RM)
AGE(YEAR)
BASIC SAVINGS (RM)
18
1,000.00
37
34,000.00
19
2,000.00
38
37,000.00
20
3,000.00
39
41,000.00
21
4,000.00
40
44,000.00
22
5,000.00
41
48,000.00
23
7,000.00
42
51,000.00
24
8,000.00
43
55,000.00
25
9,000.00
44
59,000.00
26
11,000.00
45
64,000.00
27
12,000.00
46
68,000.00
28
14,000.00
47
73,000.00
29
16,000.00
48
78,000.00
30
18,000.00
49
84,000.00
31
20,000.00
50
90,000.00
32
22,000.00
51
96,000.00
33
24,000.00
52
102,000.00
34
26,000.00
53
109,000.00
35
29,000.00
54
116,000.00
36
32,000.00
55
120,000.00

Example

Ali is 26 years old. From his EPF latest statement, the amount in his Account 1 is RM50,000. According to the Basic Savings table above, his basic savings required in Account 1 is RM11,000. This means he is qualified to withdraw the minimum RM1,000 and maximum RM7,800 ((RM50,000 – RM11,000) x 20%) from his EPF savings to be invested in unit trusts.
.

 
Find Out If You Qualify
  • Check your account balance at any EPF Smart Kiosk nationwide by using your Mykad or;
  • Refer your latest EPF statement or;
  • Log onto www.kwsp.gov.my if you are an i-Akaun registered user.  
Please contact me:

 Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
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激励语录 9

Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
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Tuesday, November 27, 2012

激励语录 8

Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
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Thursday, November 22, 2012

激励语录 7

Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
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Wednesday, November 21, 2012

Create your FUTURE!

Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
Like Us on Facebook - http://www.facebook.com/LancerLimUTC 

激励语录 6

Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
Like Us on Facebook - http://www.facebook.com/LancerLimUTC 

Tuesday, November 20, 2012

坚守基金投资六原则

投资人在基金投资中可遵循六个原则,长期投资只是其中之一。

六个原则是:


第一、长期尽早投资;

第二、长期投资;

第三、是定投(定期投资);

第四、价值投资(低市盈率/本益比投资);

第五、做产品诊断,把不好的卖掉,换成相对好的,而不是把赚钱的卖掉,这是非常重要的,诊断不是把赚钱的卖掉,那样做就只是一个卖掉好产品的借口,而不是真正的诊断。

第六、定期调整资产配置。一定先要有资产配置原则,再说如何去调整,很多人在资产配置领域,在买的时候有配置原则,但是在调的时候就乱了,其实最重要的是资产配置如何调整,而不只是如何购买。


Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
Like Us on Facebook - http://www.facebook.com/LancerLimUTC

激励语录 5

Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
Like Us on Facebook - http://www.facebook.com/LancerLimUTC 

Monday, November 19, 2012

激励语录 4

Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
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You Need Trust! =)


Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
Like Us on Facebook - http://www.facebook.com/LancerLimUTC 


Sunday, November 18, 2012

Smile Always!

Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
Like Us on Facebook - http://www.facebook.com/LancerLimUTC 

人生十个不要等

Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
Like Us on Facebook - http://www.facebook.com/LancerLimUTC 

Saturday, November 17, 2012

激励语录 2

Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
Like Us on Facebook - http://www.facebook.com/LancerLimUTC 

Friday, November 16, 2012

激励语录 1

Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
Like Us on Facebook - http://www.facebook.com/LancerLimUTC 

Saturday, November 3, 2012

EPF Members Investment Scheme.

Wish to know are you eligible to invest using EPF account 1?


Contact me:
Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
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Tuesday, October 23, 2012

5 Natural Headache Cures



Your nearest grocery store or pharmacy offers a variety of medications to tackle headaches. But you don't even have to leave your home - or put medicine with hard-to-read ingredients into your system - to find relief from a headache.

For garden-variety headaches, experts advise these five natural treatments:

Cool it off

Many people find that certain types of headaches - especially migraines - respond well to cold packs. Wrap a small bag of ice or frozen vegetables in a dry towel and place it over your forehead and temples. Leave the ice on your head for up to 15 minutes at a time, then take it off for at least 15 minutes.

Warm yourself

Warmth also has the power to halt headaches, especially tension-type headaches caused by tight muscles in the neck and scalp. Place a warm pack on your neck and the back of your head, or step into a warm shower and let the water flow over the back of your neck. Be sure the water isn't too hot, as this may cause even more discomfort or burn your skin.

Warm yourself

Warmth also has the power to halt headaches, especially tension-type headaches caused by tight muscles in the neck and scalp. Place a warm pack on your neck and the back of your head, or step into a warm shower and let the water flow over the back of your neck. Be sure the water isn't too hot, as this may cause even more discomfort or burn your skin.

Related: Women and Migraines-- How Big Is the Problem?



Get a rubdown

A soothing massage can help press away headache pain. Use the tips of your fingers to rub the back of your neck, your temples, your scalp, and your shoulders. Tightness in these areas may be contributing to your headache. Even better, ask someone else to provide the headache-relieving rubdown.

Sleep it off

Falling asleep can provide a break from your headache pain, and when you wake up you may find that the discomfort has lessened. Sleep may be especially helpful for migraine headaches. Find a quiet place to lie down, and pull the curtains closed and turn off the lights. If you can't fall asleep, just try to rest quietly.


Try relaxation techniques

Stress and anxiety can cause a headache to flare up, but relaxation exercises can help relieve it. Try one of these relaxation techniques to melt away your next headache:

    Lie on your back in a dark, quiet room. Tense the muscles in your feet, then let them relax. Do the same for the muscles in your lower legs, then your thighs. Move all the way up your body, tensing and relaxing your muscles.

    While sitting in a comfortable position or lying down, close your eyes and picture yourself in a soothing environment, like a warm meadow or deserted beach. Imagine the feel of the breeze on your skin and the smells surrounding you. While you use your imagination, breathe deeply and feel your breath entering and exiting your body.

电脑族要注意 眼睛保健告诉您

    眼睛疲劳、近视、老化;肩酸腰痛;头痛、食欲不振……就像我们离不开电脑一样,这些疾病几乎是所有常用电脑者无法摆脱的麻烦。

  拯救双眼:胡萝卜、菠菜长时间注视电脑荧光屏,视网膜上的感光物质视紫红质消耗加快,若未能及时补充其合成物质维生素A和相关营养素,会导致视力下降、眼痛、怕光、暗适应能力降低等等。

  维生素A和β-胡萝卜素有助于补肝明目,缓解眼睛疲劳。维生素A主要存在于各种动物的肝脏、鱼肝油、蛋黄中,植物性食物只能提供维生素A原。β-胡萝卜素主要存在于胡萝卜、西红柿、菠菜等蔬果中。

  维生素C对眼睛也十分有益。人眼中维生素C的含量比血液中高出数倍。随着年龄增长,维生素C含量明显下降,晶状体营养不良,久而久之会引起晶状体变性。

  所以要多吃维生素C含量丰富的蔬菜、水果。胡萝卜富含蔗糖、葡萄糖、淀粉等,其中以维生素A原的含量最多,其作用和鱼肝油相似。

  此外,胡萝卜还含有丰富的胡萝卜素,可维护眼睛和皮肤的健康。菠菜含有蛋白质、脂肪、碳水化合物、粗纤维、钙、磷、铁、胡萝卜素、核黄素等,它不仅是营养价值高的蔬菜,也是护眼佳品。

为何通过单位信托投资?

為何通過單位信託投資? 通過單位信託投資並不是新鮮事,其實已經存在幾十年,然而,錯誤的觀念繼續圍繞在這種形式的投資。集體的投資,譬如單位信託計劃,以及互惠基金,不久前受到一些事件的打擊,在美國的基金公司被指涉及不道德交易,就是其中一例。

不過,不要因為少數幾個壞蘋果而將這一類投資選擇排除在外,在投資組合裡,單位信託有其立足的地方,說實在的,通過單位信託投資,有哪些利益?

多元化投資領域
在單位信託投資,最大的益處是多元化,即涉及多個領域資產的投資,只是胥視有關公司如何設計該基金,一家基金公司可能授權純粹投資在股票或股票與債券領域,而且有關公司不只是在一個股項或一家機構發出的債券作出投資。

這些基金有能力購買幾家公司的股票或競購不同機構發出的債券,大家是否記得這句格言:不要將所有的雞蛋放在一個籃子。雖然你在有關基金投資的數額可能不大,不過,你可以肯定的是,你涉及的是股票或債券組合的多元化投資,可以很好的分散投資風險。

專業管理是另一個優勢,大多數的我們可能沒有多餘的時間緊密監督所投資的股票,身為非專業性的投資者,我們缺乏所需的分析股票、資產負債表現的專長與技巧,通過在單位信託基金投資,你可以將選擇與購買股項的事宜,交給基金經理去進行。

間接投資昂貴藍籌
此外,身為股市的直接投資者,我們受到兩個推動情緒的因素──擔心與貪心的影響,使到在作出客觀決策時更為困難。

有時,我們想擁有的一些股項是市場普遍追求的熱門股,因此,可能會比較昂貴,以藍籌股英美煙草(BAT,4162)為例,該股的交易超過40元,你可以通過單位信託基金,間接擁有該藍籌股,開始的投資介於5001千元,涉及信託基金的投資成本低,讓現金不多的年輕人也可以涉及有關市場的投資。

當你要套現你的信託基金投資時,基金經理有責任向你購回有關單位,如果你本身在一些流通量不廣的股票投資,你可能不能即時出售有關公司的股票,如果是單位信託基金,在贖回你的單位時,你可以確保在10天領回你的資金。

在 我們的日常生活中,如果希望事事方便,當然必須付出一些代價,專業的基金管理人也一樣,你必須支付基金管理人一個年度費用,表示賞識他們的投資專長及技 巧,然後還有一筆常年信託收費;當你在一家基金公司投資時,支付代理及廣告費的開銷,可能影響你的回酬,因此,選擇一家有效控制成本的公司顯得相當重要。

單位持有者為被動投資者
要緊記的一點是,單位信託的投資與股票交易不一樣,股票交易的證券佣金保持偏低,在股票交易,一些股項的購買與脫售可能只是幾天的時間,單位信託投資主要是中長期,以便你有機會看著你的投資成長,進而概括你的開銷。

不過,單位信託投資者必須面對的是沒有控制權,單位持有者是被動投資者,他們在選股、投資的時機及其他方面沒有發言權,單位持有人也將錯失看著股價上漲的雀躍時刻,因為,基金的單位價格移動步伐緩慢,雖然他們的價格也反映股票及債券投資的基本因素。

總括一句,單位信託是否適合你?一些人可能喜歡方便,但不能接受涉及的開銷,因此,在股市,或通過單位信託基金投資,哪一項比較適合你,你必須作出決定,在權衡利弊後,當一名明智的投資者。 (星洲日報/投資廣場/理財交響曲2004/02/22

------------------------------------------------
Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
Like Us on Facebook - http://www.facebook.com/LancerLimUTC 

挫折是成功的入场券

有一个博学的人遇见上帝,他生气地问上帝:「我是个博学的人,为什么你不给我成名的机会呢?」

上帝无奈地回答:「你虽然博学,但样样都只尝试了一点儿,不够深入,用什么去成名呢?」


那个人听后便开始苦练钢琴,后来虽然弹得一手好琴却还是没有出名。

他又去问上帝:「上帝啊!我已经精通了钢琴,为什么您还不给我机会让我出名呢?」

上帝摇摇头说:「并不是我不给你机会,而是你抓不住机会。第一次我暗中帮助你去参加钢琴比赛,你缺乏信心,第二次缺乏勇气,又怎么能怪我呢?」

那人听完上帝的话,又苦练数年,建立了自信心,并且鼓足了勇气去参加比赛。他弹得非常出色,却由于裁判的不公正而被别人占去了成名的机会。

那个人心灰意冷地对上帝说:「上帝,这一次我已经尽力了,看来上天注定,我不会出名了。」

上帝微笑着对他说:「其实你已经快成功了,只需最后一跃。」

「最后一跃?」他瞪大了双眼。

上帝点点头说:「你已经得到了成功的入场券——挫折。现在你得到了它,成功便成为挫折给你的礼物。」

这一次那个人牢牢记住上帝的话,他果然成功了。

朋友,你得到成功的入場券了嗎?

------------------------------------------------------------

Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
Like Us on Facebook - http://www.facebook.com/LancerLimUTC 

Sunday, October 7, 2012

戰勝自己的心理敵人

小時後,曾經有一段時期很喜歡和記電訊的廣告,尤其是由黎明做主角的。當中的廣告故事及經典對白,至今還讓人津津樂道。而其中有一個廣告就講述黎明要從水壩上跳Bungy Jump,而跳之前還說了一句「要贏人先要贏自己」。

為何會突然說起廣告來?這是因為我希望分享一本最近閱讀過的書籍《金融心理學》,書本的內容指出了一些思考的症狀,如果我們能夠充分理解及改善的話,投資 回報自不然大大提高。投資除了講求技巧之外,心理素質佔了其餘的關鍵部分;我們要想在股票市場上戰勝對手,在贏人之前,先要戰勝自己的心,懂得怎樣駕馭情 緒,懂得怎樣不去被自己的情緒牽著走,才能提高得勝必率。

《金融心理學》的作者是以技術分析為主線,但是還附以不同的心理學解釋人們在股票市場的行徑,這裡我們可以看出作者對技術分析與金融心理學之間的深入了解。當中,書中最令我感興趣的是解釋思考的症狀的相關部分,我們在買賣股票時或多或少都會有這些情況:

1. 過分自信行為:過分高估自己可以做出正確決策的能力,導致我們對其他可能性的了解不足。 2. 適應性態度:我們發展出和身邊人士一樣的態度。 3. 社會比較: 我們參考他人的行為,用來理解某些問題的資訊來源。 4. 選擇性接觸:我們試著只讓自己去接觸那些可以支持自己行為興態度的資訊。 5. 選擇性認知:我們錯誤地解讀資訊,使它們看起來可以支持我們的行為態度。

另外,我們會做一些讓我們覺得自己是個人物的事,這種現像稱為「自我實現態度」,常發生於大牛市中,一些人會因賺了點錢就會四處宣揚自己的能力,他們忽視他們賺錢可能只因為身處牛市中,當熊市來臨這班人就自然會消失,皆因大多數己被巨浪吞噬。

還有一種稱為「自我防衛態度」,很多人在買了股票後,就會很有自信認為股票會大升,但如果股票開始下跌,他們就會慢慢失去可在短期獲利的信心,亦由短期獲 利心態變為「長期投資」。他們會開始利用「選擇性接觸」來忽略負面新聞,只會注意那些支持自己心法的報導。他們亦會利用「選擇性認知」,碰到了和自己行為 相抵觸的言論,就會無意識地扭曲這些言論,使這些言論可支持自己的想法。他們也會合理化錯誤,人們常常會為了要彌補交易上的失誤,而在他們錯誤賣出的價位 上買進(或是在錯誤買進的價位上賣出),目的只是為了讓過去的錯誤不像一個錯誤。

對於以上心理問題,相信我們作為投資者,或多或少也會遇上,關鍵就是看我們怎樣去對抗這些心理問題,從而提升投資回報。記得一位世界著名的網球手曾經說 過:「每位世界級的網球手均擁有高超技術,技術差距往往不會太多,我們的競爭點只在於哪個人犯錯較少,犯錯較少自然是贏家。」投資亦然,只要我們把犯錯的 機率減低,投資回報自然能夠上升,共勉之!

Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
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不一样的一无所有


在人生的旅程上,不摔跟头,不碰壁,不碰个头破血流,怎能练出钢筋铁骨,怎能长大呢?

──中国知名作家 张爱玲


有一位刚从大学毕业的年轻人,一直以来都以为父亲会把公司交棒给他;没想到,父亲不但没有把公司交给他,反而紧缩他的经济来源。

年轻人一气之下,就离家出走了。刚开始的时候,年轻人想要自己做生意,就想向银行贷款,但没有父亲的担保,也没有人脉的他,根本无法从任何一间银行借到一块钱。

后来,他终于愿意先找家公司上班,但是因为他不善处理人际关系,结果没多久就丢了工作。在不得已的状况下,他只得拿出最后的一点积蓄开了间小店。慢慢地,从小店累积的资本,让他终于得以开了家小公司,而小公司渐渐地做出了成绩,变成了大公司。

正当年轻人得意洋洋的时候,公司竟然倒闭了。年轻人感到绝望不已,想要结束自己的生命,但是又非常不甘心。到了这个时候,他也才开始真正思考,自己到底做错了什么;正在此同时,父亲竟意外地出现在年轻人的面前,告诉他,要他接管自己的公司。

年轻人非常惊讶,自己不只和大学刚毕业时同样一无所有,而且还一败涂地,为什么反而在这个时候,父亲愿意把公司交给他?

父亲意味深长地告诉他:“虽然同样一无所有,境界却不相同,现在的你经历过失败,却得到了最宝贵的资产,把公司交给现在的你,公司才能继续成长。”果然,年轻人在接下公司的几年后,就把公司发展成一间国际性的大企业。

心灵小语
这是有名的股神华伦.巴菲特的故事。巴菲特刚从大学毕业时意气风发,但他父亲却不愿意让他接手事业,反而在他一败涂地的时候,把公司交给他,并且说:“无论做什么事情,不经过一番磨练是做不好的。”

往后,即便他拥有了几百亿的身家,却还是不忘用各种艰苦的生活磨练自己。只有捱得过苦的人,才知道怎么样把日子过好;也只有经历过艰苦环境的人,才能真正珍惜生命的美好。

Saturday, October 6, 2012

Overconfidence

One of the most documented of all psychological errors is the tendency to be over optimistic. In general, most people do not see the need to improve the way they make decisions, as they believe that they are already making excellent decisions. The unwarranted belief that we are usually correct is a major real-life barrier to critical thinking.

People exaggerate their own abilities and this is particularly common in managing their assets. Overconfidence often results in investors being fooled by small gains in a few trades, feeling much more in control of a situation than they are. Money managers, advisors and investors are consistently overconfident in their ability to outperform the market, but fail to do so.

For example, mutual fund managers, analysts, and business executives at a conference were asked to write down (1) how much money they would have at retirement and (2) what is their net worth now. The average figures were $5 million and $2.6 million respectively. The professor who asked the question said, 'regardless of the audience, the ratio is always 2:1'. People are definitely very confident that they will at least make more money in future than now.

Overconfidence can lead to the followings:

1. Not having an investment plan
Perhaps the most common reason why investment plans fail is that the investor doesn't actually have a plan. The very first step of a rational investor is to draft a plan stating investment goals and conditions. This is to make you detached from the whole investment business and follow strictly by the book not your heart.

2. Overtrading
In Odean and Barbet's study of 78,000 investors' accounts in a large brokerage firm from 1991-1996, the most active traders scored an average return of 10% compared to the less active investors' 17.5% profits. And online traders suffer even lower returns as they tend to overtrade and thus lose money to brokerage charges.

3. Lack of diversification
Due to overconfidence, investors tend to invest heavily on a particular investment with the optimism that it will generate good returns. This lead to insufficient diversification of portfolios.

In general, overconfidence is caused by mental bias that leads investors to over-estimate their knowledge, under estimate the risk and exaggerate the control they have over a situation.

Wednesday, October 3, 2012

Set your priorities!


Small capital start-up



A mutual fund invests in a portfolio of assets, i.e. bonds, shares, etc. depending upon the investment objective of the scheme. Each investor (unitholder) thus gets an exposure to such portfolios with an initial investment as little as RM1000 & subsequent investment as low as RM100. Thus it is affordable for an investor to build a portfolio of investments through a mutual fund rather than investing directly in the stock market.

By investing regularly through a bank debit program, an investor can build on the initial investment and accumulate his/her investment steadily. The more you have invested, the greater your potential for future growth. The fund managers credits the units each time they receive your investment and also rolls over distributions into new units into your account. 

You may reach me at:

Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
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投资单位信托: 您可承受的风险水平

投资单位信托: 您可承受的风险水平

您可承受的风险水平并不只取决于您想要冒风险的程度,因为生活中的一些状况,可能会迫使您承受特定水平的风险。这并非视乎您承担风险的喜好,而是您在特定情况下,能够承受的风险程度。

1. 投资年期 (或者年龄) :

您的投资年期越长(或者说,您越年轻),您能承受的风险就越大。您所拥有的时间越多,您就越可能安全度过市场低潮和波动,因此您卖出时总可以获得盈利,而不是亏损。而且,随着时间过去,复利能够巨大地增加您的资产组合的价值。

相反的,您的投资年期越短(或者说,您越年长),您所能承受的风险就越小。如果您已经接近退休,您最好的选择就是投资于那些稳定且保守的单位信托。当您需要您的资金时,您不希望遇上市场低潮,而被迫蚀让资产。

2. 风险转移:

当您的投资接近期限时,您应该减少您的投资的风险水平。举例说,您可能为了20年后的退休购买高风险高回报的单位信托。当到达退休前的5年,将风险水准降为中等会是比较聪明的选择。当距离退休只余下2年时,低风险会是很好的选择。这样您就保存了您在早年的盈利。

3. 储蓄 :

如果您有相当于最少4到6个月薪酬的储蓄,您会更有能力投资于高风险的单位信托。无论何种紧急情况,您都会有足够的现金来度过难关,而不需把您的投资套现。

如果您手中没有存有这么多的现金,但是您还是想要投资,最好的选择就是投资低风险的单位信托。当您需要赎回它的时候,您面临重大亏损的机会就会减少。

4. 生活方式需要 :

好好审视一下您的生活方式的需要。您想过怎样的退休生活? 或者您的投资目标是什么? 如果您觉得当您退休是有一套4房室的组屋就很开心的话,那么无论您现在是休么年龄,也没有必要冒高风险来投资。

不要因为每个人都在投资高风险的投资产品就跟风。决定您需要什么,然后根据您的需要来投资。

结论

通常来说,风险和回报有很强的关联性。风险越高,回报也就可能越高。不过,这里的关键词是「可能」,并不存在任何保证。有时高风险的投资工具也会垮台,并导致巨大的损失。

所以您必须清楚了解您的生活状况是否允许您承受这样的重挫。如果答案是否定的,您最好选择低风险的产品,无论您认为您的风险「胃口」有多大。

Tuesday, October 2, 2012

李嘉诚理念 - 背道而驰

 
“有这样一个寓言,一群牦牛生活在深山里,由一头雄壮的牦牛带领,自由自在地生活着。有一天晚上,牛群的首领也就是牛王口渴了,去山沟里找水喝,结果一不小心,摔了一跤,把头上的一只牛角摔掉了。

第二天大家发现牛王只剩下一只角,不知何故,牛王不好意思将这件事告诉大家,在有人问起的时候,它也只是不置可否地一笑。可是牦牛群却不安起来,大家开始胡乱猜测,捕风捉影。

有一只小牦牛自以为聪明,对大家说:牛王是为了改变自己的形象,因为犀牛是珍奇动物,而犀牛只有一只角,牛王一定是羡慕犀牛的威猛,才这么做的。既然牛王 都这么做了,我们也不应该墨守成规,应该和牛王保持一致,上行下效,大家也都改变一下自己的形象吧。于是牛群紧急行动起来,大家纷纷去岩石上撞掉了一只 角。

这群牦牛当然很蠢,简直蠢笨如牛。”

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说到投资,香港首富李嘉诚曾经说过一句至理名言:“要永远相信:当所有人都冲进去的时候赶紧出来,所有人都不玩了再冲进去。”

理解一句简单的话容易,智慧的掌控自己的资金却并不容易,正如股市在牛市的时候,不知有多少聪明人也随波逐流的将自己的资金化为流水,又有多少人在房市的高点仍旧贷款买房而将资产变为负债。

有些时候,人们看新闻、听电台、关注财经评论、相信专家点评,就是缺少一些理性客观的思考和冷静深刻的学习。不知不觉就成了那些恐慌的小牛们,纷纷折断犄角也在所不辞。

Friday, September 28, 2012

How To Create a Budget


Creating a budget may not sound like the most exciting thing in the world to do, but it is vital in keeping your financial house in order. Before you begin to create your budget it is important to realize that in order to be successful you have to provide as much detailed information as possible. Ultimately, the end result will be able to show where your money is coming from, how much is there and where it is all going.

Here's How:

  1. Gather every financial statement you can. This includes bank statements, investment accounts, recent utility bills and any information regarding a source of income or expense. The key for this process is to create a monthly average so the more information you can dig up the better.
  2. Record all of your sources of income. If you are self-employed or have any outside sources of income be sure to record these as well. If your income is in the form of a regular paycheck where taxes are automatically deducted then using the net income, or take home pay, amount is fine. Record this total income as a monthly amount.
  3. Create a list of monthly expenses. Write down a list of all the expected expenses you plan on incurring over the course of a month. This includes a mortgage payment, car payments, auto insurance, groceries, utilities, entertainment, dry cleaning, auto insurance, retirement or college savings and essentially everything you spend money on.
  4. Break expenses into two categories: fixed and variable. Fixed expenses are those that stay relatively the same each month and are required parts of your way of living. They included expenses such as your mortgage or rent, car payments, cable and/or internet service, trash pickup, credit card payments and so on. These expenses for the most part are essential yet not likely to change in the budget.

    Variable expenses are the type that will change from month to month and include items such as groceries, gasoline, entertainment, eating out and gifts to name a few. This category will be important when making adjustments.
  5. Total your monthly income and monthly expenses. If your end result shows more income than expenses you are off to a good start. This means you can prioritize this excess to areas of your budget such as retirement savings or paying more on credit cards to eliminate that debt faster. If you are showing a higher expense column than income it means some changes will have to be made.
  6. Make adjustments to expenses. If you have accurately identified and listed all of your expenses the ultimate goal would be to have your income and expense columns to be equal. This means all of your income is accounted for and budgeted for a specific expense.

    If you are in a situation where expenses are higher than income you should look at your variable expenses to find areas to cut. Since these expenses are typically essential it should be easy to shave a few dollars in a few areas to bring you closer to your income.
  7. Review your budget monthly. It is important to review your budget on a regular basis to make sure you are staying on track. After the first month take a minute to sit down and compare the actual expenses versus what you had created in the budget. This will show you where you did well and where you may need to improve.

小故事 --- 一锅汤的教训


有一个年轻人,他花了好几年的时间,牺牲了玩乐,牺牲了感情和家庭,只为了打造自己的企业王国,但是他辛苦建立的公司,却在一次不成功的并购案中,全然瓦解,化为乌有。

心情沮丧到谷底的他回到老家,想要寻求安慰。

刚好,他的老妈妈正在熬一锅鸡汤,就留他下来吃晚饭。

年轻人失神地坐在桌边,喃喃地说:“就差这么一点点,就差那么一点点,如果这个并购成功了,我的公司就可以更上一层楼,现在,什么都没有了。”

老妈妈听他反覆说着,没有答话。

当她拿起熬好的汤,要放在餐桌上时,却失手把整锅汤都打翻了,因此她自责不已,不停地说着:“这汤我熬了好几个小时,用的是上好的鸡和香料,太可惜了,真是太可惜了──”

年轻人赶紧从座位上起身,帮忙收拾,并且安慰老妈妈道:“算了,不过是一锅汤,打翻就算了,至少锅还没破,人也没事,汤还可以再熬啊!”

老妈妈趁机也笑着对他说:“对啊,公司没了就没了,人没事,头脑还在,公司还会再有啊!”

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接受现实,是克服任何不幸的第一步。

──美国 威廉‧詹姆士

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心的体悟:

失败就是失败,只能接受,别无他法,再多的惋惜和不舍,也无法改变结果。学会接受自己不满意 的结果,是人人必学的一门人生功课,小到生活上的琐事,大到人生志业,总会有不如我们意的时候,该怎么辨?只能接受,不肯接受现实,只会毁了自己的生活, 甚至精神崩溃。只有接受失败的苦果,才有再来的机会。 

Wednesday, September 26, 2012

7个小细节 助OL减少辐射侵袭



   1.别让电器扎堆

  不要把家用电器摆放得过于集中或经常一起使用,特别是电视、电脑、电冰箱不宜集中摆放在卧室里,以免使自己暴露在超剂量辐射的危险中。

  2.勿在电脑身后逗留

  电脑的摆放位置很重要。尽量别让屏幕的背面朝着有人的地方,因为电脑辐射最强的是背面,其次为左右两侧,屏幕的正面反而辐射最弱。

  3.用水吸电磁波

  室内要保持良好的工作环境,如舒适的温度、清洁的空气等。因为水是吸收电磁波的最好介质,可在电脑的周边多放几瓶水。不过,必须是塑料瓶和玻璃瓶的才行,绝对不能用金属杯盛水。

  4.减少待机

  当电器暂停使用时,最好不让它们长时间处于待机状态,因为此时可产生较微弱的电磁场,长时间也会产生辐射积累。

  5.及时洗脸洗手

  电脑荧光屏表面存在着大量静电,其聚集的灰尘可转射到脸部和手部皮肤裸露处,时间久了,易发生斑疹、色素沉着,严重者甚至会引起皮肤病变等,因此在使用后应及时洗脸洗手。

  6.补充营养

  电脑操作者应多吃些胡萝卜、白菜、豆芽、豆腐、红枣、橘子以及牛奶、鸡蛋、动物肝脏、瘦肉等食物,以补充人体内维生素A和蛋白质。还可多饮茶水,茶叶中的茶多酚等活性物质有利于吸收与抵抗放射性物质。

  7.接手机别性急

  手机在接通瞬间及充电时通话,释放的电磁辐射最大,因此最好在手机响过一两秒后接听电话。充电时则不要接听电话。

  专家表示,任何电器只要通上电流就有电磁辐射,大到空调、电视机、电脑、微波炉、加湿器,小到吹风机、手机、充电器甚至接线板都会产生电磁辐射,但各种电器产生的辐射量不尽相同。

  关于具体的辐射量,国内还未有不同电器辐射量的标准表格出台。不过,利用可接收AM(调幅)频道的收音机,打开后将频道调在没有广播的地方,并且靠近所要测量的电视、冰箱、微波炉或电脑等家电用品,就会发现收音机所传出的噪音突然变大。走出一段距离后,才会恢复原来较小的噪音量;这样就可以测出安全距离,平常生活中与这个电器保持测量出的安全距离即可。 

5 Steps to a Good Night's Sleep





By the editors of FITNESS Magazine

We'll keep this short because we know you're exhausted. According to a recent poll by the National Sleep Foundation, 60 percent of women say they get a good night's sleep just a few days a week or less, and nearly half admit they're so beat that it interferes with daily activities. "We live in a 24-7 society with a huge amount of pressure and commitments," says Helene A. Emsellem, MD, medical director of the Center for Sleep & Wake Disorders in Chevy Chase, Maryland, and author of Snooze...Or Lose! "It's very easy to sacrifice sleep time for other things we think are more important."

Then there are all those nights we can't nod off, no matter how hard we try. Research shows that women's sleep tends to be disrupted during menstruation, pregnancy, and perimenopause. Women are also more likely than men to suffer from insomnia (about 7 out of 10 women reported having it in a recent poll). Given all this, it's no wonder that the amount of money we spend on sleeping pills has more than doubled since 2002, according to IMS Health, a healthcare information company. And it helps explain why more than a third of women chug at least three caffeinated beverages daily.

If you don't want your best rest to happen during an important meeting at work or at your desk at 3 p.m., here's how to take back your night.


Step 1: Hit the sheets.
We know, we know -- the dog needs a bath, you've got 124 e-mails to answer, and you have to do two loads of laundry before you can call it a day. But here's the thing: The chores can wait. "Adequate sleep is as essential to a woman's health as eating and exercise. Stop feeling guilty about getting it," says Lawrence Epstein, MD, author of The Harvard Medical School Guide to a Good Night's Sleep.

Is that really possible? Yes, if you prioritize what has to get done right now, and what can wait. Try this simple exercise: "About an hour before bed, type up a to-do list of all the things you need to accomplish, print out the list, then ball it up and throw it in a wastebasket," says Patricia Smith, coauthor of Sleep Disorders for Dummies. "The physical act symbolizes that you don't have to worry about these things until morning -- they'll all be there safely on your computer and you can deal with them then."

Step 2: Do z math.
"Most adults require seven to nine hours of sleep a night," says Dr. Emsellem. Since constant catch-up can make it hard to determine exactly how much your body needs, figure it out on your next vacation, when you're miles away from your alarm clock and jam-packed schedule. "You should reach a point where you're going to bed at the same time, rising at the same time, and feeling rested," says Clete Kushida, MD, PhD, director of the Center for Human Sleep Research at Stanford University. "That's your optimal sleep length." Once back home, make it a goal to stick to that amount, since skimping even a little can have a huge effect on your mood and concentration: "Studies have shown that if you cut back by about an hour just for one night, your alertness decreases by up to one-third," says Dr. Kushida.

Step 3: Zap your rest robbers.

Okay, you're ready to get your eight hours, but something else is keeping you up. In a word: pain. Backache. Headache. Cramps. "Pain is the number-one reason why people can't sleep," says Smith. If over-the-counter meds don't help, see your doctor. It sounds like a no-brainer, but, experts say, you'd be surprised how many people try to tough it out.

Other common sleep stoppers are easier to fix. For one thing, kick your kids, pets, computers, and any work-related reading out of bed. "Americans turn their bedrooms into Grand Central Station," says Smith. "Clear out the clutter." If your partner's snoring is the problem, turn on some white noise, such as a fan, to help drown out the racket. You should also send him to a sleep doctor. Loud snoring and twitching can be symptoms of serious disorders, including sleep apnea.

Step 4: Don't skimp on sleep in order to fit in exercise.
"People often think the choices are between two things that are healthy -- sleep in or get up early to exercise," says Dr. Epstein. "You need the exercise and you need the sleep, but you probably don't need those back-to-back Entourage reruns." Or all that time spent surfing the Internet. See, we just bought you an extra two hours!

Sleep secret:
Wear socks to bed. According to a Swedish study, warming your feet helps your body relax, which can promote zzzs.


Step 5: Think like a kid.

Yep, even adults need a routine. Here's yours (no binkie required):
• Hit the sack within 30 minutes of the same time each night, and try to wake up at about the same time each day -- even on weekends. Experts swear it works.
• A before-bed routine can also help you chill. Try a hot shower with a favorite, scented body wash; some evidence suggests that when your body temperature is elevated that way and begins dropping, it has a calming effect that can help you sleep more soundly, explains Dr. Epstein.
• Follow your tub time with a single chapter of a relaxing book, or listen to a few soothing songs on an iPod playlist.
• Put on a pair of socks before you hop in bed: According to that Swedish study, the blood vessels in the feet naturally dilate as the body begins to relax, and warming your feet facilitates the process.
• Finally, set the thermostat to about 68 degrees, close the blinds to block out light, and pull up the covers. Sweet dreams! 

小故事---两兄弟打猎

专注投资,心无杂念
 
   从前,有一对猎人兄弟,到森林深处打猎。由于是冬天,多数动物都冬眠或者躲了起来,因此兄弟俩在森林里转了三四天,仍然一无所获。
  这一天,好运突然降临了,弟弟看到不远处有一只麋鹿,立刻通知了哥哥。两兄弟同时瞄准了麋鹿,哥哥咧嘴笑道:今天晚上可以炖鹿肉吃了!
  弟弟听完后立刻反驳道:不能炖,鹿肉汤太难喝,应该把鹿肉烤着吃,鹿角留下来泡酒喝……”
  于是,兄弟俩为了麋鹿的吃法而争吵起来。等到两人达成共识(即一半煮着吃,一半烤着吃)时,麋鹿早已消失得无影无踪。
  唉!两兄弟不约而同地叹了口气。哥哥摸着饥肠辘辘的肚子对弟弟说:走吧,回家啃树皮吧!以后等咱们把猎物打下来之后,再讨论是煮着吃还是烤着吃吧!
  没到手的猎物,就不是自己的猎物!既然不是自己的,那么早早地讨论如何处置,岂不有点操之过急,显得很幼稚?
  好的投资机会通常是很难得的,唯有专注、心无旁骛的人才能够抓得住。因为没有杂念,所以才能够在最恰当的时候抓住机会,避免了许多令人追悔莫及的失误。
  在投资、理财和创业的过程中,把握机会是至关重要的。华人巨富李嘉诚在这方面就是聪明人,他做事的风格从来都是果断、坚决。
  20世纪50年代,欧美市场兴起塑料花的销售热潮,李嘉诚当机立断,暂时放下其他生意,投资塑料花加工、销售,结果获益颇丰。之后,他又在该市场火得不得了的时候,及时收手退出,避开了接下来的行业泡沫。在房地产市场,他更是迅速出击,不仅击败了行业龙头,还从中聚敛大笔财富。
  李嘉诚把自己的成功经验总结为:专注出击,务求必中;能进则进,不进则退。可见,投资者的专注度和成熟度,对于投资成败的影响有多重要。
  好的投资者,性格上要稳,急躁、心理脆弱、情绪波动大的人,是不适合从事证券投资的;
  从事投资的人要专注,必须擅长总结,勤于思考,从以往的经历中不断摸索,吸取经验与教训。
  投资是一项事业而不是赌博。许多投资者虽然承认这一点,但仅是嘴上说说,没有落实到行动上。他们不想自己投入很多时间、精力来用心学习和研究,也不想付出艰辛的思考,只是妄想凭借自己的天才头脑,依据报纸、新闻和股评得来的所谓内幕消息来做投资决策,并指望从中获得巨大的回报。这种情况下,连投资者自己都搞不明白会有几分胜算,患得患失自然是在所难免。而成功的投资者往往都有自己一套完整的操作体系,并且知道自己操作体系的优劣之处。

  投资者在操盘的过程中,如果心存杂念,经常想到获利后可以得到什么结果,买什么房子、选择什么汽车,便会产生巨大的心理压力,其结果大多是事与愿违。
   有一位美国著名高空走钢索表演者瓦伦达,在一次重要的表演中不幸身亡。事后,瓦伦达的妻子说,她预感瓦伦达这次要出事,因为他在表演前总是不停地唠叨说 这次表演太重要了,千万不能失败。而以前每次成功的表演之前,瓦伦达只是一心想着如何走好钢索。后来心理学家把这种不专心做好事情、对结果患得患失的的心 态叫做瓦伦达心态
  对优秀的投资者而言,过程的正确,比单笔交易的得失更重要,因为投资是一场持久战。影响投资变化的因素有很多,谁也不可能事先都预见到,所以不能以一两笔交易来衡量投资成败。投资成败确实有运气的因素,但是无论环境如何变化,能够持久获利,才是成功的投资者。
猎物到手后再作打算,重要的是集中全力抓住出手的时机——也许这正是迈向成功的投资心态吧。

Monday, September 24, 2012

Working together towards your investment goals.



Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
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Tuesday, September 18, 2012

US stock market clouded by economy

The Chairman of Federal Reserve in the US, Ben Bernerke has announced QE3 fiscal stimulus package to stimulates the US market by printing money (electronic money) and purchase into bond. The last QE has given the US market a bull run for 10 months.


http://biz.thestar.com.my/news/story.asp?file=/2012/9/3/business/11954932&sec=business

Monday, September 17, 2012

A regular savings plan can help you reap benefits



Wish to know more and how its work? Please contact me as below:

Lancer Lim - Unit Trust Consultant
+60 19 603 9696
+65 9772 8576
Email: LL@lancerlim.com
www.lancerlim.com
Like Us on Facebook - http://www.facebook.com/LancerLimUTC