How To Be Good Investor ?

How To Be Good Investor ?

How To Be Good Investor ?

“Wow, Hang Seng is up 9% today”.
“It was whipped to close to 10%”.
“Meituan’s stock is up close to 33%!”.
“Alibaba 24%! Tencent 23%! Baidu 20%!
“Awesome, masyukk!

Yes, stock market volatility has recently opened up great opportunities for us to join the congregation. Any purchase? Is there an entry to invest?

Did not get ? Not enough time ? Eh, are you scared too?

Haishhh .. If an investor is afraid of volatility, because he misunderstands and considers it a risk, he may, eventually, will do something very risky.

Yes, he will sell. He panicked out of place. This also confirms the order of the people before us that: the stock market is the place to divert money from the impatient, to the impatient.

Just sell the investment. Save cash, save in the money market, or bonds. But this will only make our purchasing power eroded by INFLATION. This is actually more risky than investing in stocks for the long term.

A volatile stock market is good for all investors, no matter how big or small. As long as he follows the investment mold, insyaAllah, fine.

Investors will only be in trouble if:

1. He had to sell because he had to financially. Because of illness, there is death, there is a sudden commitment, having to be fired for example. So when he wants to spend money, he wants to spend money.

2. He had to sell because he had to emotionally. He panics, he easily believes what others say, desperate, he wants to get rich quick. He used to follow greedy now he follows fear. He lost his temper.

So how do you avoid having to sell due to unexpected financial problems? Or forced to sell as a result of losing on self -emotions?

If you seriously want to be a successful investor:

1. Don’t all-in all the money we have. Don’t jump on the bandwagon. Create an asset allocation. Our money has a part for saving, for investing and for spending.

Eh, if all the money is piled up in stock, it must be a stomach ache lately, right? So just do asset allocation, our life is always ok.

2. Diversify.
The part that we invested earlier, we do diversification. If we invest in stocks, diversify 5-6 stocks is enough. Not many people can properly understand even more than 5-6 stocks. So no need to over diversify. Do not also under diversify.

Don’t know how to choose stock?

If so better invest in a unit trust equity fund. Diversification can be made based on economic region. But choose equity fund only, yes. Because stocks are the most productive asset class.

3. Invest for long term.

Stock or unit trust we need to invest for medium to long term. Don’t talk about wanting to double your money in the short term.

Invest for the long term, our money will multiply with the power of compound interest. Frequent trading or switching will only kill the goose that will lay these golden eggs. It interferes with the compounding effect.

4. Dollar Cost Averaging (DCA).
This is the easiest investing technique in the world, and the most effective. Everyone can do it no matter whether they have small money or big money.

Each periodic time interval, whether a week, a month, 3 months, 6 months, 9 months or a year, a combination of part, or a combination of all time intervals, we invest at a fixed rate.

Maybe we can invest 10% of income every month, once every 6 months part of the proceeds from part time hustle (don’t invest all, there must be a jolly portion as well as a reward), or once a year lum sum when you get a bonus. Periodically, this is keyword point no4.

Because if we buy Meituan stock, and it falls 55%, it will have to rise again by about 122%, then we can return the capital. That’s if we don’t do anything.

Meanwhile, if we top up the same amount as the original capital, at the lowest price, then the increase of only 38% (today up 33%), has already made us make a profit.

And if he goes up again the day after tomorrow, it will be easier and we will make a lot of profit, because we have brought in new capital.

But who is the god who can claim to be able to get the lowest price, or know when is the best time to invest? When has the stock market reached the bottom? So we make DCA. Happy, no need to think, no need to feel like a god.

And if we can continue to make these regular investments with discipline, even in a situation where the stock market is rising, then there are more benefits to us.

Want to be disciplined to invest is not difficult, just need to automate the action. Just do Direct Debit Authorization (DDA) on a monthly basis. Little by little it became a hill.

So that’s a way to avoid getting caught up in stock market volatility. The characteristics of a successful investor are discipline, there is consistency. And we don’t need a crystal ball, or a newspaper tomorrow to invest.

Life Insurance Refuse To Pay Vaccine Related Death

Life Insurance companies in both France & Germany have refused to pay death benefits & the Supreme Courts of the lands (in France & Germany, that is) have stood by the decisions made by these Life Insurance companies.

Hence, Life Insurance companies worldwide are watching this development very closely. Should this trend persists, it will applies to all the Life Insurance companies in a city near you too, for good!

I am serious – it’s for good as it opened the eyes of many folks that the Corona virus doesn’t exist!

Here below are the reasons deliberated by the Supreme Courts to reach their respective, yet similar verdicts.

 

Firstly, the corona virus doesn’t even exist. This has been echoed by all the Supreme Courts in nine (9) western, developed countries such as Spain, UK, Canada, United States of America, New Zealand, etc. since Y2021.

Even the CDC of China admitted to it! According to them, the virus ONLY exists in computer simulation. WTMF!!!

Secondly, the American Supreme Court has passed the verdict that the Covid vaccines are NOT vaccines but POISONS that everyone should, and MUST avoid taking into their bodies, back in January Y2022 (this year).

Thirdly, the verdicts say that it’s solely your decision to be the lab rats or Guinea Pig in the experiment & it may results in death. Life Insurance companies must not be financially-dragged into this BAD, LOUSY & IGNORANT decisions of yours! Uhuh …

Fourthly, the investigation teams of these Life Insurance companies have discovered that all the Covid deaths reported in Y2020 were fakes as the hospitals were all INCENTIVISED to report all kinda deaths from accidents, drownings, gang-fights, etc. as Covid Death in the Death Certificates.

Some hospitals even used mannequins, dummies, dolls such as Barbie Dolls, China Dolls (except Panadol) for the cameras to fake the spike in Covid admissions. Doctors & nurses were too bored in Y2020 that they sang & danced; then posted them onto TikTok.

These were the realities that happened worldwide.

Well, these are OPEN SECRETS all well-informed individuals knew. This was submitted to the Supreme Courts as yet another strong arguments against making death benefit compensations to ignorant folks who participated in this global experiments.

 

Well, I was pleasantly-surprised as I begin to update all my friends who are in the insurance industry & I could hear a pin drops as they’re speechless upon being informed of this development.

I just couldn’t wait to see similar verdicts playing out globally, soon.

 

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