1st S'pore's dividend

get a call from HLeboking this afternoon.
she ask whether i prefer to receive the dividend or just direct transfer into my trust account.
of cuz direct into my trust account...
it save me some $$ where normally i need to do interbank transfer with rm1.00 charge...

after all the handling fees,
i got rm52.33 for the 1st time...
will be getting dividend every quarter!!

52.33 each quarter will give me a total of RM209.32
where my cost is Rm2018++
so the net dividend yield is 10.37%!!!!
wow...
greater than FD,Amanah saham!!!

will ready to buy i 2nd batch...

Combined Portfolio

Combined Portfolio will be done in this coming OCT...
will get some extra capital from close friend and relatives...
will manage their $$ together with mine...

recent trade...
PLENITU,
its a property and hotel company...
its proposed 1 to 1 bonus issue and 15 sens T.E dividend...
so its share price shoot up so fast from slightly below 4.00 to 4.20 at the 1st day of announcement...

its a good fundamental company...
so decided to get into it...
manage to buy in 4.23 for 3 slots...

then another news come in...
M'sia swap land with S'pore...
Plenitu has land development in JOHOR...
so this news boost the share price even higher..
highest on last 2 days>>4.90
gonna sell it out in these few days..
current return on this position~9%++

gonna reduce my holding on the rest of the stock due to the HIGH rise of KLCI...
try to be fear when other greed...

pumped extra rm500 into my portfolio last 2 weeks...
hope i will be able to manage this portfolio well...

OSK investment challenge...
didnt do well and manage well previously...
due to exam,some working...
then started from last week,
run the "trader" style...
manage to boost my 5-7% to 20% today...
now i can get the distinction cert dy!!
need to get out from all the holding tomorrow...

Holiday ending soon...

before school start...
went to genting with angie+ah pheng
and also ah di and lee qiang...

booked 2 free room...
1 standard for angie+ah pheng...
she get genting green card dy can enter casino and gt free room...

mine 1 is the birthday invitation..
a deluxe room+DAZZLE magic show....
+Karaoke + meal...
the most important part is...its FREE!!

long time didnt watch MAGIC show dy d....
DAZZLE gonna end soon~28 sept 2010 is the last show...
btw...
they have dozen of "HOT" female dancers...
all legs are "perfect"...

after that show...
MOVIE time...
the legend of chen zhen...
nice 1...
action movie+some humor part...wakkakakak

had 2 starbuck's coffee up there...
genting green card and above can earn World Point and redeem some drink at Starbuck!
1000 WP=rm10...
i gt my 1st free starbuck just now..cool...

next time we must stay there at least 2 nights...
nice environment to enjoy...

next week??
my last semester in TARC dy lo...

another objection from DAD

hmmm...
he is a man looking for simple life...
a normal and steady job and always wants his children to be "steady" and study more...

He totally Disagree of doing BIZ and stock market!!!
in his mind,
its too risky and full with liar!!!

i "died" in the 1st one before and get hurt really bad...
manage to recover from it and gain alot from it...
but didnt manage to really success in it...
not enough $$...
not enough partners...good partner is scarce...
i tried few times...and its still doesn't work.
even a small 1...
get objection from dad very hard....
he want me to focus on study oni!!!
and dont be silly again...

2nd reason>>no good partner
many people can really talk but how many will do it??
i do not want to do alone cuz its not my main road...

luckily,
my dad still do not know the investment part!!!
i'm studying this field...of cuz i need some practical...
he only know he sponsored 1k for me to buy into amanah saham and i did...
but i didnt told him that i have 5k in those fixed income instruments and more than 10k in equity!!!he gonna kill me if he know this...
i "died" before too...in 2008 the financial crisis...
but then...
i'm back and better off...
i'm gonna master it!!!

these 2 incident bring me into a higher level...
before 1st incident...
i have max 3k asset in banks...
no exp,no skill...
after 1st incident,
i get in touch with stock and start to gain back my losses.
i learned how to survive,how the real world works,some skills and many precious exp
i manage to regain back and hold more than 6k assets...

then 2008 financial crisis is my 1st real tuition center in stock...
i paid almost 3k for the 1st lesson!!!
but after that...
in sept 2010...
my total portfolio is heading to 20k...
of cuz apart of it is my student loan>>this is leverage!!!
Biz might not in my control...
but stock investment can be 100% in my "control"
i make the decision and i responsible on it!!!
no partner and no limit...but myself!!

start from now...
will focus only on my main road,my future...
investment!!

DAD,
this 1 u cant stop me!
its my pathway...
btw i will let u know when i go back to see u...
ur son is not a risk averse kind of people...
youngster should take some risk to archive more...

there is a chines says
"how many 10 years we have??"
wanna "pia"?
"pia" now when ur still young!

Advices to all the STUDENT

哈佛圖書館的二十條訓言：
1.此刻打盹，你將做夢；而此刻學習，你將圓夢。

2.我荒廢的今日，正是昨日殞身之人祈求的明日。

3.覺得為時已晚的時候，恰恰是最早的時候。

4.勿將今日之事拖到明日。

5.學習時的苦痛是暫時的，未學到的痛苦是終生的。

6.學習這件事，不是缺乏時間，而是缺乏努力。

7.幸福或許不排名次，但成功必須。

8.學習並不是人生的全部。但既然連人生的一部分―學習也無法征服，還能做什麼 呢？

9.請享受無法回避的痛苦。

10.只有比別人更早、更勤奮地努力，才能嘗到成功的滋味。

11.誰也不能隨隨便便成功，它來自徹底的自我管理和毅力。

12.時間在流逝。

13.現在流的口水，將成為明天的眼淚。

14.狗一樣地學，紳士一樣地玩。

15.今天不走，明天要跑。

16.投資未來的人，是忠於現實的人。

17.受教育程度代表收入。

18.一天過完，不會再來。

19.即使現在，對手也不停地翻動書頁。

20.沒有艱辛，便無所獲。

Be a MAN!!

how ridiculous is this!!!
is this a man???
how can you protect your women and make sure her life better than ever???

cant you ask other people to help up???
cant you call police???
cant you take some action???

scare this scare that...
be a MAN!!!
dun keep ur own "face" and let ur GF "die" inside la!!!

OMG....

New Book

bought few books from recent book fest in KLCC...
2 books about psychology stuff and 1 will be the investment bank's world.

Finished 1 book...
written by MR.kong and MR.Lee...
interested to buy their other book...
finish reading this book in 3 days!!!sibeh fast...
interesting book which is totally relevant to our real life...
they talk about the BIZ world>>career and relationship world>>LOVE
how to us NLP and other technique!!

2nd book gonna finish reading soon...
all about the scandal in CHINA...
the more we know the more we can avoid...
btw,that book abit sienz in the middle...

started to read the 3rd book about the wall street work life...
be prepare for the investment bank's work life...
written by a ex-employee of Solomon brother firm!!!
i'm sure i can get something from the book.

reading has been apart of my life dy...
good...
there are few more old books waiting for me to finish it up...
the 1 i gonna touch after these 3 books will be the Beyong the Greed and Fear...
its about behavioral finance...
kinda "pro" book...
oxford university press...
many financial term and financial style...
need 100% focus to read this book...
too many knowledge inside the book dy...
will finish it up by this month!!!

Every men should know this!!

As the head of the family,Men should know how to manage their finance better!
how to manage their money...
money is not everything but without money...
almost everything is nothing...

its almost the same as the risk...
we cant avoid it...
but we can manage it...

1st choice to put ur money??
simple 1 time saving+reinvestment

5% simple interest only pay u a 1.3k plus for ur 20 years deposit of 500!
while 10% simple interest will pay u 3.3k plus...
how many instrument u know that can provide u more than 5% with reinvestment??

**dont event think to put ur money into the FD!!its too LOW!
its can only provide u simple interest!!
or you're smarter abit u can do the compound interest urself...
reinvest all the interest gain...

2nd choice...
consistent saving + reinvestment

we can get a 33k
this is how the annuity and compound interest work together!!!


here is my plan...
i'm 23 this year..still have 33 years to go...
main target for myself...
additional 6k each year and...
an average of 10% return for 33 years...
so i will have a retirement nest egg of 1.7mil...

after that...
10% return of 1.7 mil will be 170k which is 14.17k each months for my living...
an inflation of 4% will make the 14.17k in 33 years time worth 4k of today money!!
4k each month for debt free and no financial burden person,
it can be consider "enough" ba...
i can spend rm133 each day...
how many starbuck coffee i can drink each day??around 10 la...
how many big mac set large i can eat each day??around 11 set la...

is it ok??
i'm kinda ok for that...
i believe i will be able to save more once i get into working society!!
save more than 500 each month...

lastly...
investment defined as..
"a current commitment for future usage"

TT in da house

A tradition in TT nite...
those "BIG" people must do this on the stage after the actual event ended!!
i have been through 4 years of TT...
from finalist>>finalist cor>>Program cor and lastly the program master of 2010!!

Unpredictable of 2007...
and we are the only tt group stay alive longest...
but the max number of year to stay together in TT normally will be 4 years...
then we have to move on to another stage that might not be able to "play" like before!

i started to get used to it dy...
transforming and ready for the next stage...

but like what leon said...
TT is a meaningful and memorable "FAMILY" for us...
at least we had some good time together in the college life...
C172 formed by all the TT dancers!!
Angie,leon,lemon,me,rain,LALA,Bra,Ying Wah,Kent,Wen Wen,Damien...
then we have TT related ppl...
Mei qi and my sister...
then TT humans~committees
Lee qiang,jason and ryan...

this is the only house that we can trust each other and leave the door unlock all the time...
this is the only house that u can get into any room and lepak there!!!
this is the only house that will SOHAI in the mid night...
this is the only house get warning letter from other resident..
this is the only house get free EGGS...
this is the only house get complaint the most!!!
this is the house where we can gather many ppl!!

TT is a family that will grow and pass the culture and its love to next generation..
that's why we always stay strong together...
Leon going to Japan and China 3 years...
hmmmm...
upon that time,i think most of the seniors are in the next stage of life...
i hope that i still be able to attend the TT nights in the future...
hope i will be somewhere around M'sia that time...

for those who missed to join us...
u lost the big chance to have different life!!!

TT ROCKZ....
always..

031 M'sia Portfolio Performance

last week saw a news report about the performance of KLCI of 2010.
suddenly feel like want to do the same analysis on my Investment portfolio.

KLCI has been moving up and up without any major correction or influence by international market.
our KLCI raised to 1434.27 (today 7th sept) from 1275.15 on 4th jan!
ITS a total increment of 12.43%!!
kinda good growth rate!!

current Portfolio result:
Total return of 14.09%
with only 5 holdings currently...
Dividend yield of 4.06%
not all dividend reinvested.
current cash holding of 42.82%

so far, 031 M'sia Fund slightly outperform the KLCI 13.35%
This period manage to "speculate" some Div stock~SCOMIEN and UPA
lastly CCK where it move within the 0.74-0.068 range...
Hit & Run also has failure cases...
ALCOM,CSCsteel,Unisem and Uchitec.
(they are too volatile for me)

Div yield reached 4.06% which is higher that the FD~3%!!
dividend always 1 of the main consideration in my stock pick.
cuz dividend will be the INCOME during the bad time...
DY annual target is above 5%!!

High cash holding is to be ready for the any coming main correction.
stock selection still on low PE,dividend paying stock,strong cash position!!

Gonna combine S'pore with M'sia portfolio soon after get additional capital!!
will do profit sharing on the additional capital...
Min rate~5%,2nd rate~10%,3rd rate~15%

bigger capital base will make the asset allocation more cost effective.
foreign holding will occur very high transaction cost...
hence need to execute bigger transaction each time to reduce marginal transaction cost...

additional capitals are from people who want to learn investment...
want to gain higher return to upbeat the inflation...
and people who trust me~my parents and also some close friends...

**its a practical training for myself towards the real investment world!!

Learning is fun

学而不思，愚也
思而不考，费也
考而不＂过＂，死也

learning is a process that u gain new knowledge...
Min requirement: brain,time and effort...

learning without under...
learn nothing...
but this is how our education system...
need most of the memorizing and less THINKING...
try to understand 1st...
then it will be easy to settle the exam!!

last part of the quote is done by us...
cuz there is always a group of people struggle to pass...
and they only want to pass...
thats not learning...

1st factor that we need to consider...
what do u love to learn??
get urself into what u really love or interested on...
it make life easier...
then get a job on that particular stuff that u love the most!!!

love what you do..
do what you love...
everything will be NICE....