Oct 1 2022, 09:43 AM
QUOTE(yourinfohere @ Oct 1 2022, 07:20 AM)
Thank you of your wrote and advise, you also very nice nice.
Not like you, I not rich, not wish lose and others.
I will sell, just left money, I will buy back.
When early Covid I consider invest, but finally not success do it, now, for me I think not a good time to play investment.
Before no matter I very late to know ASNB(pass few years), but I also consider long time(wait few months till year, slow purchase) to purchase ASNB, because I worry ASNB like Amanah Saham Johor. Each time dividend, I always thanksgiving ASNB not bankrupt.
This Monday I think I unable purchase ASNB, so I try now only, again, very hard to buy.
Maybe I knew you feeling, just like I ask and willing bring somebody open ASNB account many times, but still rejected me, so maybe I think I should give up.
When wait many 5 minutes and wrote above, also totally zero units, all holder still hold it and many still purchase it. If not demand not possible not units left. You said not worth, I also think like that, but in fact and I think no matter again and again low dividend, the holder wouldn't give up, so ASNB no need work hard of high dividend to pay holder, holder just like don't know why brainless idiot sincerely fans. Above, I wrote and explain myself, now act like fool, click and try. Really crazy.
Thank you.
You think I am rich? I started off as student with no pay. I save my monthly allowances. Even now I am just earning rm5k/month. You don't need to be rich to invest. You just need to start somewhere.Not like you, I not rich, not wish lose and others.
I will sell, just left money, I will buy back.
When early Covid I consider invest, but finally not success do it, now, for me I think not a good time to play investment.
Before no matter I very late to know ASNB(pass few years), but I also consider long time(wait few months till year, slow purchase) to purchase ASNB, because I worry ASNB like Amanah Saham Johor. Each time dividend, I always thanksgiving ASNB not bankrupt.
This Monday I think I unable purchase ASNB, so I try now only, again, very hard to buy.
Maybe I knew you feeling, just like I ask and willing bring somebody open ASNB account many times, but still rejected me, so maybe I think I should give up.
When wait many 5 minutes and wrote above, also totally zero units, all holder still hold it and many still purchase it. If not demand not possible not units left. You said not worth, I also think like that, but in fact and I think no matter again and again low dividend, the holder wouldn't give up, so ASNB no need work hard of high dividend to pay holder, holder just like don't know why brainless idiot sincerely fans. Above, I wrote and explain myself, now act like fool, click and try. Really crazy.
Thank you.
You don't need to be smart. You just need a strong stomach. Not my words but Peter Lynch. Buy good quality companies, hang on to them. Keep adding when it's red. Behind every stock is a business. Of course if you have weak stomach (easily panic) and unable to stand roller coaster ride, then better don't invest.
I don't treat my investment as playing stuff. By treating at as playing stuff you won't take it seriously.
I never sell to buy back in. Call me stupid and silly. Why? Cause no one can predict the market. Low can go lower. High can go higher and never come back. Even if it drop in price unless there's a fundamental change in business which will impact the business going forward. I won't sell. But if business will be impacted going forward, just take my loss and move on. When I see red I buy. The redder it is the better as it allow me to pick things up on discount. People who held on to Amazon and didn't sell even though drop 90% in price but keep adding would come out the other side (today) in better financial health.
Remember wealth/money is made in uncertainty and trouble times. If you never buy when it's cheap/on sale, when will you buy? When it recovers? Become more expensive? Ask yourself this question any change to the underlying business? If none, and price gets cheaper, buy. Simple. Actually now it's a good time to buy. Lots of things are on sale. Low can go lower. Did stuff I buy become lower. Of course. Did I panic? No. I just wait for next cash to comes in and continue buying.
If you are scared of losing money by buying individual companies, buy the market/index. Buy a SP500 Index or QQQ. Index will never become zero. And they have 100-500 companies inside. More than enough safety. If you think 500 to 100 companies can bankrupt at one time, show me. Another beauty of index is the are self cleaning. They remove company in bad shape not instant but overtime. So if company is headed for bankruptcy, it's likely already remove from the index.
I tell you what my teacher told me last time but updated to reflect current change in time.
Amanah saham giving you 4%p.a now 3.75%p.a from 6%p.a (dropping yearly) and paid in RM. Let's make it constant at 4%p.a unrealistic.
SP500 gives you example 10%, 9%, 7% 15%, -5% 1%, 15% (each year) after 10 years what do you get Vs Amanah saham) on average the sp500 returns 7-10%p.a on average and it's in USD Vs our freaking RM. You can add 2%p.a to the sp500 as deprecation of RM so it become like 12, 11, 9, -3, 3, 17.
I don't need to answer you. You count yourself and see. Take paper if you don't know how to use Excel. No shame in it. Take a rm10k investment and see how much you get day after 10 years. Come back and tell me.
They don't need to work harder as long as enough people believe asal better than FD.
Sorry for long post on early Saturday morning.
Sekian.
This post has been edited by Ramjade: Oct 1 2022, 09:46 AM
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Which brand of shampoo "that has good ingredients" do you use to wash your hair? 
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