Review on 2017

Review on Year 2017

Top 3 Target
1. Healthy First. world come later. / Learned Yoga need more persistence practice.
2. wealthy. Try out new method to generate income. / learned option method to generate income.
3. Personal life. / still need to develop hobby and enrich life.

Long term Target
1. Purchase property in year 2017 to generate income.
/ Not done. as overall debt at current year is still huge. got to be align with 3 years planning.

2. Dividend income(Fund allocate 200k) reach
2.1 RM 10k. per year / RM 833 per month / 0.05% - First Target
2.2 RM 12k per year / 0.06% - Second Target
2.3 RM 14k per year / 0.07% - Third Target
/ Not successful.overall archive about 8.9k per annum only.
due to the diversify on the direction of capital gain versus dividend play is major issue on stock pick.

3. Equities gain to cover year 2014,2015,2016 losses.
/ Not Successful. as of 2017 there is several stock overall bring down the performance as Nov 17 there have been correction on KLSE.

4. Healthy via sport. weekly need 2 - 3 times.
/ Partially done on sport. still need more determination to push forward.

5. Monthly  at least 1 book. per year 15 Book.
/ Partially done. Total 9 book have read and reviewed.
2016 - 7 books
2017 - 9 books

6. Portfolio healthy. to diversify not only MYR but different currency to maintain a stable portfolio.
/ Done. Diversify into 4 market USD, SGD,HKD, MYR. but as fund size not that big need not too diversify.

7. Weight to reduce. increase muscle Vs Fat. (refer to health report.)
/ Not improve. as lack of sport. cholesterol is still high as usual.

8. Move into US Stock.
/ Done. explore new stuff on option trading instead of merely investing only.

9. Re-balance on portfolio and currency.
/ Done. as similar to items 6.


Things to be done.
1. Seek hk trading platform to reduce dividend cost / to be done on jan 18.
2. Better in manage property. property management / still not done.
3. Open another trading platform to align investment control and fund management.(M+) / closed
4. Total review on current financial status, inclusive all asset and debt, cash flow./closed
5. Update on Portfolio temple to ease time and management./closed
6. Learn skiing / to be do on travel.
7. Book review. / closed
8. Take Nutrition food or supplement to maintain health./closed. take black soya/sesame.
9. Explore for on9 trading opportunity./ not done.
10, Attend AGM / closed. attended 12 AGM in Y 2017
11. Manage rental and Tax/ Rental not. Tax rebate considered in 3 years planning.

Results
6 out of 11 items done in Year 2017. Remaining issue or items not willingness or hard to complete.

Summary on year 2017
Relatively a better year compare to 2016 as stock increase much from Jan 17 till Oct 17. Correction happen around Oct 17 and Nov 17. but others Nasdaq and HKEX is doing well. KLCI still remain weak on stock pick. and the method shall be much on investing rather than trading for KLCI.

Trading on option appear to be better choice but loss on time as started on US stock around Jun 17 but start to much trading on option around Dec 17. loss on time period about 5 months time as delay is study about option trading. still much to learn and gain from option.

individual not much differences as still healthy items yet to be done. and directional to be more firm.
work wise not much difference as expect to change job in 2018. on the financial management blindness improve as debt and cash flow added into consideration rather than just calculating on assets only.

Not travel much on this year shall be due to time and did not planned well, with year start on car accident and gf accident which cost a lot of time to heal and recover. believed better year should be ahead. Planning wise consideration have change from year to year basis become 3 years and future should be on 5 years basis. think and plan for longer term instead of short period to clear direction better.

Lesson learn on mistake make and failure list is maintain for future as well. to remind and record of mistake done. Macao need to be updated as no news since the payment done.

On year 2018 to be better predict what is the possible happening for future market with the calendar on major event that impact the market or bring disturbance to the world.
to see further and wider on the world and market and prediction and most important ACTION to gain from it. on risk wise this year had diversify rather on single currency risk.

new quoted 
“The Ferrari is a dream - people dream of owning this special vehicle and for most people it will remain a dream apart from those lucky few.” - Enzo Ferrari

wish me to be the lucky few instead.

Farewell on 2017 as time never return. it is straight line; embrace on  Year 2018.

進撃の百萬組合 - (3)

進撃の百萬組合 - (3)

31 Dec 2017

Summary  

Target RM1,000,000.00  

Current RM 307,336.48

Balance RM 692,663.52
Cash RM 122,414.49

MYR  

Cost      RM 188,440

Current RM 178,607
(Loss RM -9,833)

HKD  

Cost       HKD 96,591.82

Current  HKD 134,030

SGD  

Cost       SGD 2,478

Current  SGD 2,478

USD  

Cost       USD 

Current  USD 12,688.26

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

MYR

Add in Ambank to leverage.

Cash 73,981.43

HKD

Stock           Qty           Price         Total Amount,HKD

tencent         100          407.50              40,750.00

ccb             2000              7.2              14,400.00

Vtech          100           102.4              10,240.00

langham    6000              3.42              20,520.00

Stanchar      300            81.20              24,360.00
Sunevision  4000            5.94              23,760.00  

Cash 93,202.05

sell off Tencent

USD

Stock  Qty   Price     total Amount,USD
NVDA 100  193.5    19,350
Margin ($ 6,403.74)
Networth 12,688.26

Exercise Call for NVDA
Sell off Put option BABA
Sell off Call option NVDA

SGD

Stock  Qty   Price     total Amount,SGD

Ocbc   200   12.39         2,478.00

Cash   25.40 ~ RM 78.96

進撃の百萬組合 - (2)

30 Nov 2017

Summary  

Target RM1,000,000.00  

Current RM 345,480.98  

Balance RM 654,519.02
Cash RM 84,329.18

MYR  

Cost      RM 204,569

Current RM 194,629
(Loss RM -9,940)

HKD  

Cost       HKD 105,136.33

Current  HKD 169,690 ~ RM 88,834.41

SGD  

Cost       SGD 2,484 

Current  SGD 2,484  ~ RM7,549

USD  

Cost       USD 0

Current  USD 13,317.50 ~ RM 54,468.57

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

MYR

Add in Ambank to leverage.
Sell Tguan,Masteel,Heim,Carls,OFI due bear trend coming.

Cash 37,388.00

HKD

Stock           Qty           Price         Total Amount,HKD

tencent         200          385.00              77,000.00

ccb             2000              6.81              13,620.00

Vtech          100           111.20              11,120.00

langham    6000              3.42              20,520.00

Stanchar      300            77.70              20,520.00
Sunevision  4000            5.89              23,560.00  

Cash 55,266.35 ~ RM 28,932.49

sell off Tencent
Add in sunevision

Add in standchar

USD

Stock  Qty   Price     total Amount,USD

Cash 13,317.50 ~ RM 54,468.57

sell off FB.

SGD

Stock  Qty   Price     total Amount,SGD

Ocbc   200   12.42         2,484.00

Cash   25.40 ~ RM 78.96

大富翁致富藍圖 - Book Review

The book have describe much on the path to become millionaire. thru many of current financing instrument.

The path to rich can be similar to above. anyhow is use asset to gain bigger asset not by salary.initial stage shall be more on accumulate on capital gain rather interest and dividend. as this is the only way to speed up model. this is similar to using leverage to buy bond as quote is "leverage today is to deleverage tomorrow"

 Above is all the similar investment tools can be found on the market, it is vary and surely there is somethings suits to each individual. but need to understand each of the tools before using it for investment, do not invest as a gamble.

Invest tools available as below,

a) ETF

b) Stock

c) Option , bull/bear cert, margin , accumulator etc.

d) Forex

e) Bond

f) Car park and Taxi license

g) property

h) Precious metal 

1) REITS

Above is those HK REIT available most of it is well known good asset especially Link(0823) which has government as back up as well.

2) Stock

The only good way to earn max. is to buy when fear, but this is rather need to have definite confident on stock or the company when buy on fear.

Above two also tells which is good stock and what is the nature of good stock and some example of good stock as above. most of it shall be blues chips indeed.


3) Option
option got 4 way buy and sell.
in short as below,
1) Long call
2) Long Short
3) Put Call
4) Put Short
need to further study on option as this is extremely good tools to be use.

4) Bond
bond is rather simple, just like borrow money to corporate at a pre fix rate.
just need to monitor on below will do.

Summary

this books tells alot on financing tools available in the market, it is good if you dont have any idea on the tools available in the market. but it is more on briefly introducing if want to drill further in need to explore much more each tools.

anyway i skip on the Forex and Margin parts, as i not really intent to use this tools at the moment.

Malaysia Stock Category

Attach reflect on listed company in KLCI in each category.
most of it is related to oil industry in either way.

HLB 1 day promo of new branch opening

On days  3 Nov 2017 ; i went to this new branch based in damansara city to enjoy the promotional rate of 4.88% FD for 6 months. anyway before that i have as well received call inform on this promotional rate and decide to go on this day.

Morning departure reach there see a huge group of ppl waiting to open account and sort. many gift and lucky draw available but i not get any as well not my intention as well.

issue come after waiting for few hour to get things done and busy to transfer fund into bank account and notice the current account was dormant and require go branch to re activate it.

after all these hassle finally manage to get things clear and done.

overview, if really have a mil. on hands is FD a suitable option? last time i think yes. but now i think shall looks for much others choice, the world is still many game to type if you have much bigger fund or entry ticket.

盈富基金

The attach is those stock hold by this fund or equivalent to the Hang Seng index fund.

進撃の百萬組合 - (1)

31 Oct 2017

Summary  

Target RM1,000,000.00  

Current RM327,999.64  

Balance RM 672,000.36
Cash RM 101,571

MYR  

Cost      RM 223,625.62

Current RM 218,045
(Loss RM -5,580)

HKD  

Cost       HKD 120,282.50

Current  HKD 174,935 ~ RM 94,925.80

SGD  

Cost       SGD 2,384 

Current  SGD 2,384  ~ RM7,406

USD  

Cost       USD 1,800.60  

Current  USD 1,800.60 ~ RM 7,622.84

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

MYR

Add in IQgroup to leverage.

Cash 37,388.00

HKD

Stock           Qty           Price         Total Amount,HKD

tencent         300          336.30           100,890.00

ccb             2000              6.49             12,980.00

Vtech          100           112.80             11,280.00

langham    6000              3.35              20,100.00

Stanchar      300            80.18              24,054.25

Cash 40,120 ~ RM 21,770

sell off BYD.

Add in standchar

USD

Stock  Qty   Price     total Amount,USD

FB         10   180.06     1,800.60

Cash 10,000 ~ RM 42,335

SGD

Stock  Qty   Price     total Amount,SGD

Ocbc   200   11.92         2,384.00

Cash   25.40 ~ RM 78.90

00002 中電控股 - 20 Oct 2017

To consider on this purchase.

investment value about Hkd 40k per 500 unit.

highly safe as utilities stock.

pay dividend quarterly but current yield around 3.5% only.

PE around 16. not cheap.

price range consider reasonable.

Strategy

buy 500 first and another 500 when PE is drop lower.

三年大計(2018 ~ 2020)

1) 財務自由
首要目標不工作,維持現有開支,
增加主動收入
關注現金流

被動受入

2018年 3k/月 36k年
2019年 4k/月 48k年
2020年 5k/月 60k年


2) 債務水平
2018年危之年
2019年觀之年
2020年進之年

a)2018年危
債務始終龐大不適增加債務；不可重大開支.

b)2019年觀
債務適中減少三成；可增加還款比例；可觀察適當優秀資產.

c)2020年進
債務減半；可增加還款；主要購入優秀資產。注意現金流.

3)個人發展
a)成家立業育兒,培育下一代(計劃2018年婚)
b)持續閱讀發展興趣與理財能力
c)徹底運用週末時間(一周前提前規劃)

4)功課
定期檢視；上課
定期運動；健康至上(減低膽固醇) 
均勻飲食（1周1素食）

5)休閒生活
培養興趣以備退休生活
旅游以及實地考察
盡情享樂現有的時間最為自己而活


6)後備

國外PR籍

7)待解決問題
現有資產如何增值?
減債減稅務計劃

優質生活 - 2500
體檢 - 500

19 Oct 2017 Stock Crash

Hang Seng index drop
about 500 to 600 point.
rarely happen during the recent market.

look at most stock also drop slightly only. not so significant.

KLSE drop about 5 point only.
still continue as weak market.

人生座右銘/ Guiding Principle

人生座右銘

認知篇
健康至上。身體思想心理健康。

思考篇
資本無國界；不要被自己所困；放眼世界。
資本只有利潤；哪裡利潤大就去哪。

行動篇
今天不耕種；明天不會有結果。


Guiding Principle

Acknowledgement
Health is superior above all , this inclusive of healthy on mentally,physically , psychology.

Thinking
Capital no boarders, don;t limit yourself, eyes on the world.
Capital only have profit, follow profitability.

Action 
Today no action; tomorrow won't have any difference.

To update if there is additional.
 

希望 - 神話故事

神話故事

宙斯要求潘朵拉不可以開，但是潘朵拉不敵好奇心的誘惑，還是偷偷的把盒子打開了，然而在盒子裡面裝的是許多不幸的事物，疾病、禍害等。潘朵拉把盒子打開後，原本寧靜沒有任何災害動亂的世界開始動盪不安起來；慌亂中，潘朵拉趕緊蓋住盒子，結果盒內只剩希望沒飛出去。因此，即使人類不斷地受苦受難，生活中遭遇種種挫折和折磨，都找到希望

只有希望留下……

「所以，人類不管在面對什麼景況，都可以抱持著希望」

人類因夢想而偉大？
還是因希望而生存？

夢想帶給人熱情，希望帶給人生命。
生命的可貴在於有始有終；
我的後代你應從生活中體會此事。
凡事都會雨過天晴；無論如何都要保持希望.

財務自由 VS 發達

財務自由

定義 :
不用做也有足夠的收入。被動收入。
維持現有的生活方式都沒問題。
主要靠被動收入


財務發達

定義 :
生活方式得到倍數的提升如現時開Kancil到Maserati.
主要靠無限收入方式

現時惟有先達到財務自由先達到再到發達.

終極目標為發達!!!

Wild Chicken Vs Farm Chicken Story

As it begin with a home chicken and wild chicken.

when this two chicken meet up,
Wild Chicken : hey there.
Farm Chicken : hows you.

Wild Chicken : hey Farm Chicken, i see u stuck inside the farm, no freedom, lets run away i will teach you way to survive in the wild. no worry.

Farm Chicken : hey Wild Chicken, i see you so tough, in the wild need find food eat and also uncertain if got food to eat. me here very happy, no need do. my master feed me on time. even now i can predict the time my master will feed me. every time is predictable.

Wild Chicken : but still you no freedom in there(farm)
Farm Chicken: no worry. i less headache. outside the wild i still need think to survive find for food and risk of being hunt as well. here very safe. i enjoy here.

so the Farm Chicken decided not to follow the wild chicken to go into the wilds.

after a while, Wild chicken go to visit the farm chicken and can't find the farm chicken anymore as its have been slaughter by its master to fill up the stomach.

Story brings into message such continuing profit makes one stays in comforts zone, but not aware that the comfort zone is actually a killing zone. always take risk and the chance to survive will be longer. learn the survive skill is necessary.

as similar to now Nasdaq keep bring new high and bring profit, but no people know when its end. it always drop and rebound back seems to be valid for few time but not necessary for all time. need to aware of the risk. often the same technique will be used for twice only not third time.

Melaka - 2017

On the trip to observe the local situation notice that the tourism is bring up the cities but not means all is benefit from it, as can be seen those running or dependent on local people business is much impacted by weak consumer.
Meanwhile those target high end tourism must be doing well from the observation.

below the shop lot lack of the taste of refurbish and life. all surrounding seem doing slow and bad might be as this hold street is doing local people business which is bad as of current situation.
how to enrich the asset value from bring in more cash flow?
a typical hard question to be done. as overall environment is weak.
The advantage is such the road still is having traffic anyway. means the population is still there, just how to attract more flow of tourism or peoples will be question.

IF it can be transform into similar to below would be a much successful factor in transforming and enrich the asset value.

some idea thought on to enrich the assets value such as bill board display, event place, rental for telco equipment as there is similar sites within the area and this buildings is apparently the highest around the area.

Book Review - 四桶金富足退休指南

To start up the key message as below important to have Retirement plan

"Don't Simply Retire for somethings, have somethings to retire to"

Always prepare for retirement as it is important for mid income group, as this group not entitle for government support also not rich enough to live freely.
some weird signs such as mid income group of people wish to retire early while rich group of people above 80's is still working especially those founder. think they can't give up or retire as it might impact a lots of parties.

So retirement plan shall not only consist of fund to retirement only also shall inclusive of activities and friends after retirement. shall have some hobbies after retirement so that the life after retire may not be so free, nothing to do and loss the focus of life.
It is important to have plan for both fund and life after retirement.

For the below table 1, do not earn dividend but loss the capital. can be seen based on below table 1 we can observe that all below blues chips is paying about 4-5% dividend yearly , but the price volatile is about 30 - 40% range. it means u may earn 4-5% but at a risk of losing 30 - 40% on capital due to pricing volatile based on 1 year. The only method to overcome this is buy at low price for blues chips, but blues chips always sell at discount when there is big crisis, which the company is seen to be in downtrend or might be in bankrupt. so it is rather difficult to justify if this crisis won't kill the company and it will revive after the crisis.

 Table 1

As for insurance plan there is different type of insurance for medical, everyone shall evaluate and decide which medical plan suit them most.  refer to Table 2.

Table 2

The key message bring out on this book is to create a longer trend of income to sustain your retire life. but it is more suit for those have some capital on hands. it suggest that to break the plan into first 5 years, 6 to 10 years and 10 years above. 

1) First 5 years plan - have deposit fix or saving so that the money can be spend at emergency(low interest)

2) 6 to 10 years plan - have investment for mid term, can be either insurance or equities. (Mid interest 4 - 6% yearly)

3) 10 years above - have plan for investment for long term such as equities or bond so that the return is higher. this is important for longer term investment as equities always volatile and you can have more time and margin to hold stocks when the price is down. ( high return > 10% yearly)

with all this 3 method, the return and efficiency of the capital is increase and can sustain for longer retirement life.

Conclusion

Retirement plan is important especially for mid income group, as most of it is once stop working stop income, so it is rather important to plan and executed early. 

Retirement is not only involve money but also life after retirement such as friends, families and hobbies.

also need to aware on the risk and reward on the investment type that have been choosing, do not fall for trap that earn dividend but losing capital. 

進撃の百萬組合 - (0)

30 Sept 2017

Summary
Target RM1,000,000.00
Current RM326,955.35
Balance RM673,044.65

MYR
Cost   RM 220,142.03
Current RM 216,272.00

HKD
Cost       HKD 131,752.01
Current HKD 181,435.00 ~ RM98,174.36 

SGD
Cost       SGD 2,322.50
Current SGD 1,630.53 ~ RM5,073.20 

USD
Cost       USD 1,759.95
Current USD 1,687.30 ~ RM7,435.79 

MYR


HKD

Stock           Qty          Price         Total Amount,HKD

tencent         300  336.30           100,890.00

ccb 2000              6.49             12,980.00

Vtech          100 112.80             11,280.00

langham 6000              3.35             20,100.00

BYD           500            73.45             36,725.00

USD
Stock  Qty  Price  total Amount,USD
FB         10   168.73     1,680.73


SGD
Stock  Qty  Price  total Amount,SGD
Ocbc   200   11.08         2,216.00

Case Study - Growing Stock with single QR bad Results - Q3 2017

From the recent performance on KLSE market stock, especially those have been raise up for a certain period and supported by good QR and dividend. what happen to it when a single QR drop badly. due to various of reason on sales or cost higher due commodities increase price.

we can observe below 4 Stock which have similar nature and what happen after a single QR drop badly. and is there any sign to sell before the big drop?

Namely to study on below 4 Stock
1) SUPERLN (7235)
2) MAGNI (7087)
3) OLDTOWN (5201)
4) IQGROUP (5107)

All the above have the recent drop in QR after a steady increment of the years with 4 quarter above earning and improving profit.

lets check on the first stock,
1) SUPERLN (7235) 
- QR announce on 26 Sept 2017, with a drop of 41% compare last year quarter.
- reason sales and margin pressure by higher raw material cost.

Fundamental as below,

From the fundamental we can't find out anythings unusual, unless we can observe the price on for its cost on commodities pricing and also the selling price of its product.

Technical chart as below,
On the chart it self , we can observe there is 2 syndrome we can find out that can lead us escape from the big drop.
1) The chart trend no longer higher high , and start to lower low.
2) The buy/sell trend can help us identify to quit when it appear the sign of sell off.
based on this 2 syndrome we shall check if its applicable to others 3 stocks.

2) MAGNI (7087)
- QR announce on 14 Sept 2017, with a drop of 17% compare last year quarter.
- reason sales margin drop and margin pressure by higher raw material cost. could be lead by labour cost as well.

Fundamental as below,

Technical chart as below,
On the chart it self , we can observe there is 2 syndrome we can find out that can lead us escape from the big drop.
1) The chart trend no longer higher high , and start to lower low.
2) The buy/sell trend can help us identify to quit when it appear the sign of sell off.
the similar syndrome apply such as NO higher high. and sideways time is longer. this could be the time to dump off the stock quietly.

3) OLDTOWN (5201)
- QR announce on 25 May 2017, with a drop of 46% compare last year quarter.
- reason sales margin drop and margin pressure by higher raw material cost.

Fundamental as below,

Technical chart as below,
On the chart it self , we can observe there is 2 syndrome we can find out that can lead us escape from the big drop.
1) The chart trend no longer higher high , and start to lower low.
2) The buy/sell trend can help us identify to quit when it appear the sign of sell off.
But for Oldtown the above can't really applicable as there is only 1 top form and sudden come out with poor QR and gap down. perhaps can refer to the peak candle with long shadow line as one the risk coming.

4) IQGROUP (5107)
- QR announce on 29 Aug 2017, with a drop of 60% compare last year quarter.
- reason sales margin drop and margin pressure by higher raw material cost.

Fundamental as below,

Technical chart as below,
On the chart it self , we can observe there is 2 syndrome we can find out that can lead us escape from the big drop.
1) The chart trend no longer higher high , and start to lower low.
2) The buy/sell trend can help us identify to quit when it appear the sign of sell off.

as for IQgroup can be same pattern such as no higher high.
think another observe is the stock have accumulate a lot of gain since last 1 years. and the risk have increase. with the recent drop there have been activity on accumulating the stock at bottom.

Conclusion
Based on the four stock above all of them have the same impact on 1 QR poor results, and resulted in gap down due to this, but the gap down is much related to the QR drop in percentage.
below items can be notice through out case study.
From Technical wise
1) when stock in uptrend and after gain for a long time did not break higher high uptrend momentum can consider as 1 risk occur.
2) check on the chart buy/sell signal if turn to downwards shall beware.
3) if the peak have too long shadow line on the peak candle means the selling pressure is high. can be seen as a risk as well.
From Fundamental wise
1) observe on the cost of the company especially when commodities price up or down what is the impact towards the company cost structure as well the sales margin if improve or decrease.