蓝海 vs 红海

东西刚出来，先驱们摸索出方法，卡位，先赚一票。。这时是蓝海。。

后来人越多，竞争越激烈后，先驱们把心得/方法作training/solution/tool,再赚
一票。。这时是红海，作training/solution/tool provider更好。。除非能找到niche.

例子：
西部淘金很多人时，卖牛仔裤，铲子，比淘金还赚。。

app刚开始时，蛮多一个app就赚百万的，现在太多人了，据说连uncle都上课学写app.
(没有贬意，我也是uncle), apps多到同类型的太多了，分薄了，除非特别好或特定
的niche。。

Google Ads, software, 网站等也是这样。。

Disadvantages of Unit Trust

As with any investments, unit trust involves risk. This article not to discourage you from investing in unit trust, but rather, so that you approach it with a clear understanding of what investing in unit trusts involve.

If you are considering investing in unit trust, make sure you get a reliable unit trust consultant. Preferably, you should get a consultant who can explain to you the risks involved. The unit trust scheme promotional material is also useful in giving you an idea of the differences in investment risks between different unit trust schemes. Generally, the disadvantages of unit trust can be listed as follows.

Loss of Control

When you invest in unit trust, you are not directly involved in deciding how your money is invested. As long as the unit trust fund managers invest your money in accordance to the prospectus and deed of the unit trust scheme, there is little that you, the unit holder, can do if you happen to disagree with their investment decisions. Having said that, it must be remembered that unit trust fund managers are professionals with a reservoir of investment knowledge. They are more likely to make the right investment decision than rash small investors. However, if you feel that you are better off making investment decisions yourself, then unit trust may not be the right investment instrument for you.

Fees and Charges

The services provided by the unit trust fund managers are not free. There are fees and charges payable by the unitholders to the unit trust schemes. Granted these fees are almost negligible compared to the professional expertise received by the investors, it is something the unitholders have to bear.

Opportunity Cost

Opportunity cost means that by putting your money in unit trust, you lost the opportunity to use it elsewhere. Of course, there is no guarantee that putting the money elsewhere will yield better returns. In the same way, putting the money in unit trust prevents you from investing it elsewhere, such as, directly in the stock market. There is two way to look at it. If the unit trust performs better than other investment instruments, then you did the right thing. On the other hand, if the unit trust performed disappointingly, then you might have argued that you could have done better investing it elsewhere. One thing that investors should remember is that unit trusts carry much lesser risk than direct investments. A single direct investment may produce significantly better results than the investment in unit trust; on the other hand, it may also perform significantly worse.

People who invest directly are those who are willing to take the risk, have the time and willingness to learn how to invest directly, and are very much into the stock market for the thrill. They are quite likely gamblers than investors, and are looking for short term gains. People who invest in unit trust, however, are looking for gain of the long term, of at least 5 years or more. They know that in the short term, direct investments in stock market may produce even better returns (or significantly worse performance) based on their exposure. They are comfortable to invest for the long term. The money they invest in unit trust is parked there for 5 years or more, in which time, the overall return is better than the other investment instruments.

Another thought of mine , it is not advisable to invest in unit trust during Bear market . Why ?

During bear market , not all portfolios in the trust that lose money ; some will make money , perhaps 20% of the trust portfolios. However , when investors would like to sell their units and stay aside while market side swing and unsure , which counter do you think the fund manager will sell to gain cash to pay trust investors ? For sure , is the counter that makes money ! In that case , the trust will not gain for at least few years until its losing monies portfolios start gain momentum and gaining .

The information provided in this article is related to unit trust, also called mutual fund, in Malaysia.

年轻就是本钱，时间就是生命

千万不要因为自己的资本小，就要放弃股票投资致富的理念。很多人都是从几百块开始起家。 千万不要因为自己的回酬降低，而觉得股市是个骗人的玩意儿，你很可能是因为还没有完全掌握它。 千万不要因为自己的回酬提升，而沾沾自喜，你很可能也是因为还没有完全掌握它。 从股市里头赚到第一个一千块永远比第一个一百万难，所以千万要慢慢累积本身的股票投资技巧，从而达到投资致富的最终目的。 一百万是由一千个一千累积而成的。而十亿是由一千个百万累积而成。万事起头难，记得要坚持到底，永不放弃。 每个人的能量不同，有些人的欲望非常之强烈，强烈到无时无刻都在股市里头，有些人的欲望很淡薄，只是把股票当成是分散投资的一部分。无论如何，只要是朝对的方向前进，就可以了。 投资股票不一定要提心掉胆，投资股票是可以安枕无忧的。如何做到呢？知道本身的承受风险的能力到多少后，然后不断地研究本身投资的股票，就能够有信心等待它开翻。 股票的威力在于“开翻”。越快开翻代表着你越快达到目的地。当然，不是每个人的个性都适合”开翻“，原因是”开翻“是需要等待的。若你没有耐心的话，可以考虑其他投资方法。 没有人天生就是厉害投资股票的，可能你对数字比较敏感，或者说你对赚钱深感兴趣，这些都可以间接帮助你。可是我还没有看到一个”不能够控制自己思维或情绪“的人可以在股市里头成功。 年轻就是本钱，时间就是生命。不要让自己白白的活着，一定要努力向上，不断地求进步。

谈保险：保险不是保你没事！Part 2

保险，不是买了就保证一个人没事。 反而是出事后，让一个人减少或者除去金钱的烦恼。

人寿保险;大部分都是36种疾病，终身残废，或者死亡的时候赔偿。

基本的话，要看看你的财务状况。比如说如果你有立遗嘱，那么一个单单只是保死亡的保险就属于基本需求。（赔偿金用来执行遗嘱）
如果你有欠债，而不想把债务问题留给家人，那么一份和欠额相当的保险也可以是基本了。
所以基本的需求会因人而异.

很多人在购买保险的时候总喜欢问死了有多少钱，

其实为什么不想想如果死不去有多少钱？

例子: 男生一般由于工作常往外走的关系所以总爱问意外保险，

而对于意外保险他们又偏好那些所谓钱少保障大的那一型，

这一类型的意外保险又只在死亡或者终生残废（丧失工作能力的那一种）才有理赔，

所以等到意外发生的时候就有很多争吵.

有些保险是没有cash value的。不过这种保险会比较便宜。（没钱拿回的类型）
而有些有钱拿回的类型，其实每年都会收到保险公司的statement说里面的cash value有多少。

又或者可以打过去公司询问。最重要的是知道你的policy no。
其实并没有买到保险和利益不符合。而是当事人和保险经纪没有深入的说清楚。

比如说癌症是36种疾病。可是却是要癌细胞扩散后才会理赔。

很多人是误会了有恶性肿瘤就要赔偿。所以才会有误会。
不过，医药卡可以说是最简单的。基本上只要住院就可以直接用了。
另外，有些人是买了意外保险却以为买了人寿。
可以很肯定的告诉你说，意外保险是肯定没钱拿回，以及只赔偿意外的。（当中可能会比较多争执）

谈保险：保险不是保你没事！Part 1

要理财，可不能只是投资投资和投资。也要把风险管理做好。

其中一部分的风险管理就是保险的规划。
基本上最基本的，当然是医药卡。
至于人寿保险则是用来做其他类型，比如说准备一笔钱用来执行遗嘱;

或者用来还一些债务，以防把债务留给后人。

在理财的路上，人寿保险，在开始即使没有，也不会造成很大的影响。 在口袋的钱不够的时候，先进行投资过后才来买入人寿保险其实是可以的。 当然当中的风险大家需要了解清楚。即使没有人寿保险，也必须要有最便宜的医药卡。 要不然，遇上任何医疗需求的时候，到头来也只能从投资户口里挖了。 而在许多人开始的阶段，一张每年有60k-100k的医药卡是比投资户口多出许多，而费用却相对的低。 举个例子，如果一个人的薪水是RM3000. 这个人可以很厉害的，每个月都投资RM1000. 可是却不去买医药卡。 如果他可以有20%的回酬率，那么，要达到100k++，其实也需要5年的时间。 若这个人是从22-24左右开始，扣除了每年可以有100k保额的费用后， 其实在5年期间，他的投资还是可以接近100k（大概99k++） 这就是如何在不严重的影响投资计划的情况下，把部分风险转移的例子。 5年可以发生很多事情。即使我们不烟不酒，还是会有不同的可能性会发生。

Advice Re The Penny Stock Market

First, never play the penny markets with money you can’t afford to lose, funds you’re saving for your kid’s college fund, or cash needed for the house payment next month for example. Be prepared to lose every cent you put into the penny market.

You’d be surprised how many people risk money they can’t afford to lose, figuring they can beat the market in a few weeks or months and put the money back they took out of the college fund, etc.

Second, if you work every day and have the kind of job where you don’t have time to devote to your stock market speculations, you should proceed extremely carefully and consider developing a method that limits your risks. Setting limits sales when you can’t watch your stocks all the time is a technique you should consider. Limit sales will protect you from catastrophic losses. There’s nothing worse to return home from work in the afternoon and discover your stock CRAP dropped 70% while you were at work, and you’re down $2500, for example.

Third, if you’re not having a good time playing the pennies, don’t get a kick or adrenaline rush from it, or if it seems more like a headache than anything else, get out.

The Nature of The Penny Stock Market

Almost everybody that played with penny stocks refer themselves and other folks as investor but in reality anybody playing the penny markets as is speculating at best, outright gambling most of the time and frequently simply rolling the dice on a one-shot grab at the gold ring.

It is accurate to say there’s no chance of getting rich off blue chips, not on one roll of the dice. The stocks are too pricey and seldom move much. Penny stocks have therefore always been a heaven for folks wanting to hit it rich on a small investment and pls remember : con men is there as well, to take advantage of people’s greed.

It’s true that for a comparatively small amount of cash, you can conceivably hit the big time and make several thousand ringgit off a penny stock. There is that chance but it’s so infinitesimal, it’s about the same as hitting a lottery. Little investors like us in the penny market are minnows swimming with sharks. The game is rigged against us, in favor of the big boys.

The stock market, not just the pennies, has always benefited the privileged. There are always con men and hustlers in the penny markets. Many are running companies. An investor buying into a con or scam has almost no chance of making any money if he’s holding for long-term appreciation. In fact the odds are extremely high he will lose a large part or all of his investment. Very few penny companies ever become successful and make any money, even the legitimate ones. It’s a tough world out there with stiff competition. holding long-term on straight companies then is also almost always a losing proposition.

You have no friends in the penny markets. The companies were started by individuals to make money for themselves, not those folks buying the company’s stock. When it comes down to a company owner making a decision to put cash either in his pocket or his stockholders’ pockets, you can guess which way he will decide. Don’t ever expect a company to sacrifice its own best interests in favor of its stockholders. It doesn’t happen.

Company owners, officials, PR and IR guys, other organizations such as PR firms and consultant agencies working for the company, investment newsletters and people on the penny chat sites,forums including some of those running chat sites will lie to you, again and again if you buy their hype. Company PR~s are often full of hype and grandiose language, predicting magnificent developments, just around the corner for the firm. I call it weasel talk from Scott Adam’s book Dilbert and the Way of the Weasel and the book by Paul Wasserman and Don Hausrath, Weasel Words: The Dictionary of American Doublespeak.

Weasel talk allows companies and their cohorts to distort the truth in an effort to pump the stock’s price. The language is sufficiently vague that the company can’t be legally held to what they appear to say. Remember too that every PR has the safe heaven statement at the bottom, plainly stating that everything above it may not happen. It’s a caveat emptor warning.

Some penny companies, often times more than you would suspect, are nothing more than pump and dump schemes. The problem with pump and dump schemes is that often no one can tell for sure until the scam has run its course. It’s too late then for investors holding the stock when it collapses. The typical tactic of pump and dumps is to hype the stock for as long as they can. Then when the grandiose PR~s, ads and appearances by the CEO~s fail to further generate any interest, the stock price is allowed to drop very low. The company then pulls a reverse split, always with a symbol change and sometimes with a change in company name and business plan. Then the pump and dump starts again.

Penny stocks can and are manipulated by the corporate buaya and other people of influence, with the big bucks and power to do so. The buaya-s have some leeway and have all the information in front of them about what a stock is doing, which way it’s moving, the number of buy and sell orders at what prices, etc. They got it all, so they can within limits manipulate a penny stock’s price.

If you had all the information they have in front of you, making money in the pennies would be easy. Ironically, if you play the penny market smart, you’ll probably never get rich, since when you got a nice profit, you’ll sell. Big rewards require big risks, as they say, like holding onto a penny stock for long term, hoping the company is honest, competent and competitive. Few penny companies however will ever deliver the pot of gold at the end of the rainbow.

Investment Goals – The Penny Market - Caveat Emptor

An investor should first determine what his investment goals are. If he is trying to build wealth for the future, for retirement for example, then definitely the penny market is not for that individual.

Blue chips and mutual funds are better, where an investor plunks down a specified amount of cash every month or every quarter and lets the cash value of his investments grow (hopefully) over time. Even blue chips are no guarantee however but they are a lot safer than penny stocks.

For a young guy that has twenty or thirty years to go before retirement and is investing for post-employment years, I’d recommend a combination of blue chips, mutual funds and real estate.

Nothing is absolute but folks will always need a place to live. The old adage “there is only so much land” and the ever increasing population are fact. Assuming we don’t have a national catastrophe where the population of the country is reduced by 10-20% or more, real estate will continue to be a good investment over the long run.

等你出来投资和做生意时，你就知道赚钱是多有趣了

回想起小时候父母口中常说的话，也是一般父母经常都会说的话：

“等你以后长大出来打工时，你就知道赚钱有多辛苦了”。

这句话。。。虽然并没有错。但它从小就改变了我的思维，约束了我们的潜能。

1. 以后长大 - 使到我们自然认定。。。只有在长大毕业后才能赚钱，学生就不能；等以后吧，现在不行。


2. 打工 - 使到我们很自然的一提到赚钱，第一时间就只是想到打工，找工作。


3. 辛苦 - 就因为很多人认为赚钱都是一件很辛苦的事，所以很多人自然会逃避做能赚更多钱的事情。这也就是为什么。。。现代大多数较年轻的打工族，在放工后和周末，不是出去玩（唱 K，clubbing，喝酒，购物，看戏等），就是呆在家里打 DOTA，打 FIFA，Facebook 等，而完全不会去做任何额外与钱财有关的事情。他们不会在周末花少许时间去跟进股票公司的业绩/股息，不会花时间去看产业，打理产业或收租金，甚至连整理自己财务报表的习惯都没有。

因为他们把赚钱 link to 辛苦。其实他们之所以会没有钱，不是因为社会没有给他们钱。。。而是他们拒绝接受更多的钱。因为他们都认定了赚钱是辛苦的。。。所以赚越多的钱，只会越辛苦。除此之外，它也使到我们把“赚钱可以是件轻松，快乐，容易，有趣”的可能性。。。在毫无疑问的情况下。。。给过滤掉了。我们会很自然的接受。。。“赚钱是件很辛苦的事”。可是，当我们真正问回自己：“是谁和你说赚钱一定是很辛苦的？”。。。想了一想。。。原来答案和这个 story 的来源，就只是我们的父母和亲友。当一个人和你说他赚钱赚得很辛苦时，我们应该要看看他们的 story 是什么。很多人只看到和直接吸收到后半“赚钱是很辛苦的”。。。而没有留意到前面的 story 是“打工”。

我相信我从小到大就听过我父母说过这样的话 100 次。有句话说：“讲一次没有人信，讲10次会开始有人怀疑，讲100次就会开始有人相信了”。信念就会因此而建立起来。

其实。。。有些现实或许我们无法改变。。。但至少在毫无改变实际意思的情况之下，我们只要稍微换换字眼。。。整句话的感觉，以及所带来的正面能量，就会很不同了。

“等你以后长大出来打工时，你就知道赚钱有多辛苦了”。

换成

“等你出来投资和做生意时，你就知道赚钱是多有趣了”。

Gain Cash from Credit Card

Ever imagine how to gain a little more pocket money without doing anything ?

It sound like a dream ?

NO ! Just pay little more attention to some of the credit card promotion and you can get pocket money for FREE !

From now till 15 Oct 2011 , you may get up to RM228 CashBach when you apply online for Standard Chartered Credit Card . Based on my personal experience , YES .. it is worth to apply.

My application last time did not have such good deal . The rebate is only RM 88 , where I have applied for Visa and Mastercard ; which makes the total rebated is RM 178. There were no additional RM 50 as the offer that Standard Chartered offered today .

If you entitled for Platinum card , and you managed to apply 2 cards .. wow ! You going to have cashback up to RM456 , doesn't that sound great ?!

CashBack	For Standard Chartered Gold / Business Gold Credit Card	For Standard Chartered Platinum / Business Platinum Credit Card
1st tier	RM88 upon credit card approval	RM178 upon credit card approval
2nd tier	RM50 upon completion of 3 retail transactions within 45 days from credit card approval date
Total CashBack Received	RM138	RM228

掌握房產投資技巧‧回酬可期

產業基本份為興建中與建成單位兩種，投資的風險，主要包括工程未能在預定的時間內完成、移交鎖匙後面對不能出租與出售的問題，或者是出租的租金偏低，以及轉售價達不到原先購買的價格等等。

如果購買已建成的房屋，有些時候，價格已經倍增，投資的回酬可能會被削弱，若購買這類型單位，應該三思。

投資產業可以帶來一定的回酬，不過，投資也有可能會失利，因此投資前最好是能做好功課，或是尋求行內人的意見，然後才做決定，這樣會比較妥善。

以上例子僅供參考，第二個例子的投資者，如果有將單位出租，可能不至於倒賠，至少租金收入可以用來償還部份的銀行分期付款及管理費，單位丟空的原因可能是產業所在地點欠佳，很難租出去或物色到理想的租戶。

此外，第二個例子也反映了一個事實，轉手價與購買價比較，顯然未取得可觀漲幅，增值空間似乎不大，加上業主沒有堅持過了貸款的鎖定期，在提前償還貸款的情況下需面對罰款，以致投資失利。

** The second example is more suitable for my current situation as I am now investing in a under-construction project - Condominium .

I do not have to pay for the deposit as I am buying the unit during soft-launch , there was 10 % discount given ( excluded the additional car park lot that I purchased - which I need to pay 10 % -- RM 900 ).

Currently I am serving the interest only, to reduce the total amount that I have to spend on this investment.

I have 2 option :

a) To sell the unit once completed ; whereby I need to bear the penalty cost of Lock In Period .

b) To rent the unit until it pass the Lock In Period .

I have not make any decision right now as it is still too early . Option 1 will be the first choice if the property price appreciate a lot .

The Road To Financial Freedom

The road to financial freedom is available to everyone.

So the question always remains the same — Why in this world isn't everyone seizing the opportunity to get there? Well for most there are many factors, however, I am here to tell you the biggest reason why we are not all pursuing financial freedom.

The Answer is: You….. That's right we stand in our own way !!

In this blog , I will share what I am doing to gain the access key to the financial freedom.

Wish me BEST of LUCK !!