Recent Talk

meet up with someone who come to talk about insurance's saving plan...
too bad for him if he wanted to approach me for that purpose...
i had built up my own investment portfolio which i think its a perfect one for me at this moment!!

saving is the 1st step of financial planning...
then insurance come in the next...
3rd will be the investment for our wealth accumulation...
lastly asset management and will...

i'm in the stage 3...
all my capital is 100% in investment currently...

11.76% in the FD
capital in FD separated into 2 FD placement...
each placement mature in 2 months...
the maturity has been plan to be exact once a month.
so i will have emergency fund to be ready for me every month without affecting my portfolio!!

29.41% in Fixed Income fund
this is the low risk (approximate 0 risk) investment.
no price fluctuation for this fund.
average return(dividend+bond's coupon payment) 5.5%

that's mean my 41.17% of portfolio is in conservative approach...
while other 58.83 is in the equity fund to look for higher return...
aggressive approach come in!!!
>>all funds are 100% under my own control!!!

this is very important to make sure our investment portfolio to be able to overcome the inflation risk!!!
too conservative investment will find very hard to get the REAL return!!!
too aggressive type of investment might involve high risk that will destroy your whole portfolio if things go wrong!!!
that's why portfolio management is essential when we are doing the investment!!!

*conservative ratio can be reduced to the maximum level of 20% if the market is having a clear bull run...
*the least aggressive approach will allow conservative ratio to go up to 50% or the aggressive fund will hold more cash.

next to come will be the S'pore fund...
to look for higher yield type of equity...
going into the dividend approach soon...

to all men,
you must know how to invest!!!
you must know how to plan your finance!!!
your family need you to do so!!!
they will live better if you do well in this part!!!

to all boys,
be realdy to be a man!!!
you gonna face it very soon...