Book Review - 《打造自己的財富流》

對于此書所學重點在於開發新地思維方式，主要是價值投資(“护城河”／"安全邊際")。

尤其在衣／食／住／行／方面尋找股票。

要買就買在行業的龍頭股，因為龍頭股往往都有特殊的優勢。

另外就是投資心理學。過去一直沒有重視。

投資心理學包括

展望心理

群眾效應／羊群效應

例子股價在上漲是投資人不願意冒險希望竟快賣出對此主要是心理上感受良好。

但在股價下降是投資人願意冒險不賣出對此主要是心理上感受痛苦不遠承受。

其實股價上下10％都是一樣的,確有不同的感受。

結果好股很快賣出；爛股一直收。導致整體組合虧本。

其實好股上是有原因的，後期再上的機會很大。

在買賣時應考慮考慮

另外就是須要設立目標，須要有明確的目標才可以前進。

目標須要明確，不可象黑暗球場。（在黑暗的球場上如何練習都不會進步的，因為完全看不見，沒有方向）

Securities Account Opening for Hong Kong Jan 2018

On the Trip to hong kong, i have manage to open a securities trading account for hong kong.
as recent performance and future performance of hong kong will be likely better as more china enterprise would be more tend to listed there.

Reason to open account
1. Lower Trading fees.
2. able to apply for IPO
3. Access to more Asia market such as Taiwan,Japan,South Korea.

but i do not realized that Boom did not provide option trading services.

On the selection BOOM was selected for this.

on document require is quite simple just travel document and proof of resident address will be sufficient.

Now pending on the fund transfer and key code for trading only.

AGM - Topglove 2018 - Jan 9

Today AGM was attending late therefore all break fast & lunch not available already.

Door gift as below, similar to last year with own product glove as well.

Some highlights,
1) Chairman wisdom Topglove to be fortune 500 company
2) Topglove future will require organic(expansion) and acquisition to fast growth the company.
3) Year 2018 plan to acquire another 3 company to faster the expansion meanwhile still expand 1-2 factory for production line.
4) Current will continue to expand on nitrile and surgical glove.
5) Future prospect to venture into Industrial glove which is much better margin.

Chairman personal investment on property as he seen current is good time for property market before it recover as this is cycle economy.

2018 Plan

This year continue complete those items undone last year 2017 and items if need to remain and add in additional new items.
Action should be align with 3 years plan instead on year on year basis.

2018 items list
Things to be done.
1. Seek hk trading platform to reduce dividend/capital cost / to be done on jan 18.
2. Better in manage property. property management if can find any better method to manage it.
3. Open SGD trading platform consider if to be done this year.
4. Learn skiing / to be do on travel.
5. Manage rental and Tax/ Rental not. Tax rebate considered in 3 years planning.
6. Marriage on 2018
7. Book Review.
8. Attend AGM.
9. Attend option/stock class.

2018 Event Calender

Interest rate Meeting Schedule

FOMC/FED Meeting date 2018.(8 times)

Jan. 30-31 - Remain interest 1.25% to 1.5% 

Mar 20-21 - Up interest from 1.5% to 1.75%

May 1-2  - Remain interest from 1.5% to 1.75% 

Jun 12-13 - Up interest from 1.75% to 2%

Jul  31-1 - 

Sep. 25-26 - 

Nov. 7-8- Remain interest from 1.75% to 2% 

Dec. 18-19 - Up interest from 2% to 2.5%

BNM rate Meeting date 2018 (6 times)
Jan 25 - up 0.25% to 3.5%
Mar 7 - Remain Interest at 3.5%
May 10 - Remain interest at 3.5%
Jul 11 - Remain interest at 3.5%
Sep 5 - Remain interest at 3.5%
Nov 8 - Remain interest at 3.5%

Solar Year (2) Review 2017

Energy Efficiency
Hold year produce energy as record below,
Year               Generated(Kwh)    TNB Quota(Kwh)    Generated Vs TNB Quota,%
Year 2016 -     10,227                       10,327                                99%(-1%)
Year 2017 -       8,883                       10,275                                86%(-14%)

Payment
Payment wise no issue after resolve the problem of payment portal issue with TNB. all payment made quite on time.

ROI
To verify on the ROI as below.

Year	COST	Payment	ROI
2016	64,212.00	10,874.80	16.94%
2017	64,212.00	9,999.10	15.57%

Expectation for 2018 will be as below.

Year	Projection,Kwh	Expect amount,MYR	Actual,MYR	Variant,%
2016	10,327.00	11,012.71	10,874.80	98.75%
2017	10,275.00	10,957.26	9,999.10	91.26%
2018	10,220.00	10,898.61

Maintenance

Year 2 non. as not seen significant issue. drop about 8% on efficiency. this year 2017 alot of rain at second half year resulting lower solar output.