2011 is my last student life cycle...
How did i perform so far??
let's see...
First of all,
i'm no longer single...
with a girl 3cm taller than me...
Not bad, she can be a very good mom...
can cook very well...
then,
some not really good one...
My Dad was diagnosed nose cancer few months before i fly to UK for my degree program...
Luckily,He managed to overcome all the treatments and getting better nowadays...
and i decided to work in sabah if got a good job in sabah so i can take care of my parents and also allow myself to save more money due to lower cost of living and entertainment in my hometown TAWAU.
So,i rejected CHARTIS insurance company job offer as underwriting exec with 2.6k start up pay and 6 months probation.
I like the job where it need me to do some analysis and also meet up agent,broker,clients(BOD,Big firm,Financial institutions).
This job requires me to do some presentation.
But it doesn't give employee benefit as good as bank but its good enough for a normal start up.
My study,
came back from UK with 1st class honor...
one of the good achievements of the year...
at the same time i went for CFA level 1 exam...
result will be out on 24 january 2012, please pray for me...
Finance part of mine...
this is the worst performance of the year...
Total portfolio recorded a small gain of 0.24% which equal to nothing!!
Main reason of the small gain is due to hiking expenditure includes UK expenses and CFA registration fee and exam fee.
Then, 2011 had the lower income ever for these 4 years...
Higher outflow with lower inflow caused low growth in 2011...
Equity portfolio posted disappointed result which is -2.96% due to over-divest when i'm traveling in Europe at the end of September.
Super low equity exposure forgone the return of the market rebound and missed the dividend target.
Total dividend received is only 900++ from equity portfolio which is 10% below the target...
Estimation of opportunity costs of that action are an equity return of +5% and total dividend of 1.6k...
I learned 1 more lesson, be confident on your selection and forget about the market movement!!!
I must practice that!
At last,
I didnt reach the book reading targets,
didnt read much book this year,maybe just around 10 books...
Blog writing is kinda low this year...
But i do have 1 more big achievement in 2011...
I organized UK trip and Europe trip for my course-mates..
8 cars for the UK-Scotland&land's end trip...
we used 9 days and we slept in the car most of the time...
but we do really learned and experienced alot!!!
MONEY CANT buy those memories and experience we got there...
next,
Europe trip which is the biggest backpack tour ever from TARC!!
we had 30 members in total...
traveled 9 Europe mainland's countries and 11 cities...
COOL...
Gonna plan more BIG stuff in 2012...
GOgogogogo...
ROCK THE 2012!!
