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 Stock Exchange for beginners, What to buy with new CDI

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Ramjade
post Oct 21 2016, 04:47 PM

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QUOTE(Boon3 @ Oct 21 2016, 04:09 PM)
No need sorry one. tongue.gif
Just a forum only.

See, many and I mean.... many people...
they have this thinking....
in the stock market...
just like in anything else in life...
you need to pay....
pay tuition fees (in your case, the meaning is the same... fund that you are willing to lose) in order to learn....

I tell this to many, many, many people..... (although not many like hearing)
avoid this thinking.
never be willing to lose money....
ESP in the stock market.

See... losses mounts easily.
I know this one fella...
lost easily.... close to over 400k....
but... this fella...
he hung tough....
never give up.... (but then... the bloody family is bloody rich... so the losses is wet wet water)...
and after many, many years... after all the initial struggles.... now
this fella .... is making money.

That's a real story....

but let me ask you...
how many can be like this?

Some hor....
the minute...
lose 10k.....
that's the end of their life....
literally....
the damage cost is so bad....
they never recover (yup... they might not want to give up.... but their wallet says NO!)
and cos of this nonsense stock market tuition fees....
they are living in a life of debts.....

I know ...
we all want to learn from mistakes...
but guess what?
You know this soldier?
sorry...
this smart General...
Patton?
He said... best way to learn from mistakes? is to learn from other people's mistakes!!!!

This is one rule to remember imo....
In the stock market...
mistakes costs money...
it is deadly....
some mistakes literally wipes you out of the game... and put u in a life of debts.

so... never rush to be in the market.
learn it well.....
learn it so damn well before you even make your first purchase.

this one is my advice.
MANY MANY would not agree. tongue.gif

whistling.gif
*
Does this apply for those who just buy for dividend instead of trading?
Boon3
post Oct 21 2016, 04:52 PM

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QUOTE(Ramjade @ Oct 21 2016, 04:47 PM)
Does this apply for those who just buy for dividend instead of trading?
*
Well... do you think dividend investing is a 100% sure win strategy?

Is there no risk involved?
Ramjade
post Oct 21 2016, 04:56 PM

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QUOTE(Boon3 @ Oct 21 2016, 04:52 PM)
Well... do you think dividend investing is a 100% sure win strategy?

Is there no risk involved?
*
There's always risk. That's why must keep up-to-date with news. Cause I am thinking of buying some stuff for dividends. Look at news now and then.

This post has been edited by Ramjade: Oct 21 2016, 04:57 PM
Dividend Magic
post Oct 21 2016, 05:01 PM

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QUOTE(Boon3 @ Oct 21 2016, 04:09 PM)
No need sorry one. tongue.gif
Just a forum only.

See, many and I mean.... many people...
they have this thinking....
in the stock market...
just like in anything else in life...
you need to pay....
pay tuition fees (in your case, the meaning is the same... fund that you are willing to lose) in order to learn....

I tell this to many, many, many people..... (although not many like hearing)
avoid this thinking.
never be willing to lose money....
ESP in the stock market.

See... losses mounts easily.
I know this one fella...
lost easily.... close to over 400k....
but... this fella...
he hung tough....
never give up.... (but then... the bloody family is bloody rich... so the losses is wet wet water)...
and after many, many years... after all the initial struggles.... now
this fella .... is making money.

That's a real story....

but let me ask you...
how many can be like this?

Some hor....
the minute...
lose 10k.....
that's the end of their life....
literally....
the damage cost is so bad....
they never recover (yup... they might not want to give up.... but their wallet says NO!)
and cos of this nonsense stock market tuition fees....
they are living in a life of debts.....

I know ...
we all want to learn from mistakes...
but guess what?
You know this soldier?
sorry...
this smart General...
Patton?
He said... best way to learn from mistakes? is to learn from other people's mistakes!!!!

This is one rule to remember imo....
In the stock market...
mistakes costs money...
it is deadly....
some mistakes literally wipes you out of the game... and put u in a life of debts.

so... never rush to be in the market.
learn it well.....
learn it so damn well before you even make your first purchase.

this one is my advice.
MANY MANY would not agree. tongue.gif

whistling.gif
*
Lol honestly this is a long story to tell someone that mistakes costs money. I think we all on a certain level know that.

But yeah, agreed. Learn the ropes before investing. Its important to know why you're investing in a certain company.
Boon3
post Oct 21 2016, 05:13 PM

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QUOTE(Dividend Magic @ Oct 21 2016, 05:01 PM)
Lol honestly this is a long story to tell someone that mistakes costs money. I think we all on a certain level know that.

But yeah, agreed. Learn the ropes before investing. Its important to know why you're investing in a certain company.
*
Short I don't like. LOL
TSAvangelice
post Oct 21 2016, 05:20 PM

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QUOTE(Smurfs @ Oct 21 2016, 04:25 PM)
This is hard to digest for beginner dont you think so ?  whistling.gif

Anyway TS i suggest you paper trade for 1 year 1st and see how is the result. (although boon3 will recommend you to paper trade 3 years) In the mean time prepare 3-6 months emergency funds and park at FD.

I will suggest you learn about personal financial management before venture into stock market.
*
QUOTE(Boon3 @ Oct 21 2016, 04:35 PM)
YES. A 100% yes. tongue.gif

That's the point, isn't it?

Should a beginner trade not fully understanding the complexity of the stock market?
*
part of the reason I step into stocks as I have done buying a property. secured a fixed deposit account, secured a unit trust portfolio and gotten an understanding how investments work.

so it's more of I want to do this to further my knowledge as we never stop learning.

for that I appreciate the advises from the veterans. Thank you from the bottom of my heart
Boon3
post Oct 21 2016, 05:56 PM

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QUOTE(Ramjade @ Oct 21 2016, 04:56 PM)
There's always risk. That's why must keep up-to-date with news. Cause I am thinking of buying some stuff for dividends. Look at news now and then.
*
Risk.. and risk management... no quite the same and it's not an easy thing to master.

Oh yes...
I do have to say....
in general....
yes.... dividend investing is perhaps much safer than stock trading.....

but .... it's not for me.

LOL!

A biased answer.... cos I am simply a trader.

When got time... I shall post you a real life example.
Boon3
post Oct 21 2016, 06:05 PM

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QUOTE(Avangelice @ Oct 21 2016, 05:20 PM)
part of the reason I step into stocks as I have done buying a property. secured a fixed deposit account, secured a unit trust portfolio and gotten an understanding how investments work.

so it's more of I want to do this to further my knowledge as we never stop learning.

for that I appreciate the advises from the veterans. Thank you from the bottom of my heart
Is not the issue of being an oldie or not.
The main issue should always be 'whether the discussion is relevant'.....
some old timers...
they tend to tok the chicken laaaa.....
seriously...
in stock market forums....
it's really a jungle.......
many things to avoid.

icon_rolleyes.gif


Well in stock market...
so many things to talk one...
me ?
I tend to talk long long.... laugh.gif

ok.... unit trust....

oooo..... that's typically... in general a bad investment....
in the long run....
very few unit trust investors actually make money. wink.gif

anyway.....

if want too....

just chat la and post some points/views/issue la....
just post whatever la....

laugh.gif

( cos this forum is like mati katak la .... so mati that I have to play with my marbles a lot.... laugh.gif )


ps: change the topic name slightly...
change it to Stock Market Chit Chat for Beginners or something like that la....
cos there's a FAQ for beginners la...
if too similar to that one...
ahem ahem will come kacau wo sweat.gif

This post has been edited by Boon3: Oct 21 2016, 06:12 PM
Boon3
post Oct 22 2016, 08:22 AM

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QUOTE(Ramjade @ Oct 21 2016, 04:56 PM)
There's always risk. That's why must keep up-to-date with news. Cause I am thinking of buying some stuff for dividends. Look at news now and then.
*
Got some time now. tongue.gif

Yea. the early worm gets the blardy bird. Hohoho.



Simple.
Imagine this.....
A stock, based on most recent dividend history, was paying around 6% dividend.
Say one bought the stock since April.
Stock has since given paid 2 set of dividends..
How would you guess the buyer/investor of the stock is doing?

Sitting on paper profits and enjoyed the dividends too?
Or sitting on paper losses despite collecting the dividends?

** wait. I hate the term paper losses. It's delusional! Paper losses/gains are real. I can only sell the stock based on current prices. If current prices show my holdings are at a profit/loss, I cannot change that fact. I cannot say in the future the prices will be higher SIMPLY BECAUSE there's always a chance the prices could be even lower! Yea.. I always give people my imperious middle finger whenever they try to talk paper losses with me. Get real! **

Lets see a real stock example

Mayban.

On 20 April, Mayban announced an interim dividend of 30 sen.
The previous dividend was 24 sen, giving it a 54 sen for the last 12 months.
It was trading around 9 bucks then.
Giving it a dividend yield of 6%.

Recently, it paid out a LOWER dividend of 20 sen.

Meaning the buyer/investor of Mayban since 20 Apri, would have received 50 sen dividend.

Mayban closed at 7.69 yesterday.

Which means.... the investor is currently sitting at LOSSES.

The current stock value only 7.69. Adding the dividends of 50 sen, the investor would have be looking at only 8.19.
Current losses stood at 81 sen!!!!


Ok. Data showed since April 2016.
This is unfair (so is life.... )
Let's look LOOOOOOOnger....


Yeah... I would be more than interested...

So using my bestest Auntie Goo, I came across this..

http://www.thestar.com.my/business/busines...ividend-yields/

12th March 2013.
According to that article, Maybank was trading at 9.26 then. Yield was between 6% and 7%

Before you read further...
What's your expectations?
What's your guess?
The dividend investor should be making GOOD money, yes?
Cos since 2013, with a yield of 6 to 7%, the investor should be hohoho-ing all the way to the bank.... right?
3 1/2 years of dividends received wor!!!



yes?

Wouldn't this be the logical assumption?






now drumroll......... please!


Total dividends received since then Mar 2013.

fy 2016 dividend so far = 20 sen
fy 2015 dividend = 54 sen
fy 2014 dividend = 57 sen
fy 2013 dividend = 53.50 sen

total divdends so far 184.5 sen.

share price today is 7.69
total divdends = 1.84
total = 9.535

Price of investment was 9.26.

Total gain = 27.5 or 2.9% only!


An investment of Maybank for 3 1/2 years yielded a CURRENT gain of 2.9% only.

wink.gif

Saving money in a local bank with a 3% yearly interest would have yielded a much better investment!


and mind you...
the big assumption here is one STEADFASTLY held on to Mayban since Mar 2013.
but how many would?
buy at 9.26 but the price keeps falling yearly.....
how many would have the conviction to hold and hold and hold?




My point is?

LOL!
Simple...
I just like to write long long. tongue.gif
Ramjade
post Oct 22 2016, 08:57 AM

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QUOTE(Boon3 @ Oct 22 2016, 08:22 AM)
Got some time now. tongue.gif

Yea. the early worm gets the blardy bird. Hohoho.
Simple.
Imagine this.....
A stock, based on most recent dividend history, was paying around 6% dividend.
Say one bought the stock since April.
Stock has since given paid 2 set of dividends..
How would you guess the buyer/investor of the stock is doing?

Sitting on paper profits and enjoyed the dividends too?
Or sitting on paper losses despite collecting the dividends?

** wait. I hate the term paper losses. It's delusional! Paper losses/gains are real. I can only sell the stock based on current prices. If current prices show my holdings are at a profit/loss, I cannot change that fact. I cannot say in the future the prices will be higher SIMPLY BECAUSE there's always a chance the prices could be even lower! Yea.. I always give people my imperious middle finger whenever they try to talk paper losses with me. Get real! **

Lets see a real stock example

Mayban.

On 20 April, Mayban announced an interim dividend of 30 sen.
The previous dividend was 24 sen, giving it a 54 sen for the last 12 months.
It was trading around 9 bucks then.
Giving it a dividend yield of 6%.

Recently, it paid out a LOWER dividend of 20 sen.

Meaning the buyer/investor of Mayban since 20 Apri, would have received 50 sen dividend.

Mayban closed at 7.69 yesterday.

Which means.... the investor is currently sitting at LOSSES.

The current stock value only 7.69. Adding the dividends of 50 sen, the investor would have be looking at only 8.19.
Current losses stood at 81 sen!!!!
Ok. Data showed since April 2016.
This is unfair (so is life.... )
Let's look LOOOOOOOnger....
Yeah... I would be more than interested...

So using my bestest Auntie Goo, I came across this..

http://www.thestar.com.my/business/busines...ividend-yields/

12th March 2013.
According to that article, Maybank was trading at 9.26 then. Yield was between 6% and 7%

Before you read further...
What's your expectations?
What's your guess?
The dividend investor should be making GOOD money, yes?
Cos since 2013, with a yield of 6 to 7%, the investor should be hohoho-ing all the way to the bank.... right?
3 1/2 years of dividends received wor!!!
yes?

Wouldn't this be the logical assumption?
now drumroll......... please!
Total dividends received since then Mar 2013.

fy 2016 dividend so far = 20 sen
fy 2015 dividend = 54 sen
fy 2014 dividend = 57 sen
fy 2013 dividend = 53.50 sen

total divdends so far 184.5 sen.

share price today is 7.69
total divdends = 1.84
total = 9.535

Price of investment was 9.26.

Total gain = 27.5 or 2.9% only!
An investment of Maybank for 3 1/2 years yielded a CURRENT gain of 2.9% only.

wink.gif

Saving money in a local bank with a 3% yearly interest would have yielded a much better investment!
and mind you...
the big assumption here is one STEADFASTLY held on to Mayban since Mar 2013.
but how many would?
buy at 9.26 but the price keeps falling yearly.....
how many would have the conviction to hold and hold and hold?
My point is?

LOL!
Simple...
I just like to write long long. tongue.gif
*
True there's a potential that it will never revover it's price. But if a company is strong, it will rebound again.
3.5 years at 2.9% gain is pathetic. I agree that it's better to go the FD route earning 4.x% p.a.
TSAvangelice
post Oct 22 2016, 09:12 AM

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Joined: Jun 2008
From: Kuching (The Land of Opportunity)


is it me or Boon3 Boon3 reminds me of our sifu xuzen

This post has been edited by Avangelice: Oct 22 2016, 09:13 AM
Boon3
post Oct 22 2016, 09:32 AM

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QUOTE(Ramjade @ Oct 22 2016, 08:57 AM)
True there's a potential that it will never revover it's price. But if a company is strong, it will rebound again.
3.5 years at 2.9% gain is pathetic. I agree that it's better to go the FD route earning 4.x% p.a.
*
Just an example only.
Who knows...maybe the next 5 years...things might be better for mayban.

tongue.gif
Boon3
post Oct 22 2016, 09:34 AM

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QUOTE(Avangelice @ Oct 22 2016, 09:12 AM)
is it me or Boon3 Boon3 reminds me of our sifu xuzen
*
Surely me and not you tongue.gif



Sifu all die one la....
Show some kindness please.........
guy3288
post Oct 22 2016, 09:51 AM

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QUOTE(Boon3 @ Oct 21 2016, 06:05 PM)
Is not the issue of being an oldie or not.
The main issue should always be 'whether the discussion is relevant'.....
some old timers...
they tend to tok the chicken laaaa.....
seriously...
in stock market forums....
it's really a jungle.......
many things to avoid.

icon_rolleyes.gif
Well in stock market...
so many things to talk one...
me ?
I tend to talk long long.... laugh.gif

*
I would prefer to go straight to the point,
as many would not catch what you actually want to convey,
at the end it defeats your purpose if you really want to teach.


QUOTE(Boon3 @ Oct 21 2016, 06:05 PM)
ok.... unit trust....

oooo..... that's typically... in general a bad investment....
in the long run....very few unit trust investors actually make money
. wink.gif

*
I wonder how many in FSM thread would take that kindly..........

When they are activley/aggressively telling people to leave safer investments and go for UTs..

You have lost quite some money in UT before?



QUOTE(Boon3 @ Oct 21 2016, 06:05 PM)

( cos this forum is like mati katak la .... so mati that I have to play with my marbles a lot.... laugh.gif )
ps: change the topic name slightly...
change it to Stock Market Chit Chat for Beginners or something like that la....
cos there's a FAQ for beginners la...
if too similar to that one...
ahem ahem will come kacau wo  sweat.gif
*
??? rclxub.gif rclxub.gif
really catch no balls....... you like making it difficult for people to understand.......?

Boon3
post Oct 22 2016, 10:32 AM

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QUOTE(guy3288 @ Oct 22 2016, 09:51 AM)
I would prefer to go straight to the point,
as many would not catch what you actually want to convey,
at the end it defeats your purpose if you  really want to teach.
I wonder how many in FSM thread would take that kindly..........

When they are activley/aggressively telling people to leave safer investments and go for UTs..

You have lost quite some money in UT before?
??? rclxub.gif  rclxub.gif
really catch no balls....... you like making it difficult for people to understand.......?
*
I write how i write hor.
Sorry if you dun catch any balls.
I am here also not to teach no one.
Just sharing views.
If not ngam for you... i cannot help....maybe best you just click ignore button.

Me lost money in UT?
Lol.
This is a habit.
Whenever a topic is raised....
It always get diverted.....
Boon3
post Oct 22 2016, 11:15 AM

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QUOTE(Avangelice @ Oct 22 2016, 10:32 AM)
If you have nothing to offer into this thread i would suggest you go back to your ASx threads instead of insulting the people who want to teach. you have been passive aggressive to most people and I wish I can delete your comment but this sub forum does not let me.

cc cherroy
*
Hehehe...

Let it be la.
This is normal in stock forums.
Everyone just wants to right.
And then....
I am also to be blame....
Cos i write exactly like how i talk....
Sometimes i also dunno what wind I blow......lol

smile.gif
Boon3
post Oct 22 2016, 02:18 PM

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QUOTE(Ramjade @ Oct 22 2016, 08:57 AM)
True there's a potential that it will never revover it's price. But if a company is strong, it will rebound again.
3.5 years at 2.9% gain is pathetic. I agree that it's better to go the FD route earning 4.x% p.a.
*
Got time now

Lol

That one single Mayban example...
One can draw several points....

1. What others say is good... you just gotta find ur garam...
Test it out....
Test what they are saying...
Run some examples or case studies....
Be your own judge....

2. Big household name does not guarantee investment success.
Don't invest just cos of the name.
Their profit track record matters.

3. When someone shouts out a stock trading with a high yield.....
Many times...there is some sort of cavaet attached.



Oh. Btw. If really need to do comparison between an investment in maybank and fd rates....
You need to calculate the annual compounded rate of gain in the Maybank example. The 2.9% gain mentioned earlier was the gain achieved on a 3 1/2 time span. The compounded rate should be around 1% only or less. Which pales in comparison with normal banking rates.


....i don't favor dividends investing.
.....sometimes.....as in this example.....you only know if you are right or wrong after many years.....and this is a no no for me la.....just my 3 sen



Again....cavaet.... i am no investor. Me just a trader only.

icon_rolleyes.gif
Smurfs
post Oct 24 2016, 08:57 AM

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QUOTE(Avangelice @ Oct 21 2016, 12:40 PM)
I don't know if this is a right way of doing it but I have been researching to death almost all the treads here in this forum and I have not come to a conclusion on what's to buy as I know stock is a very volatile investment and some of the treads are many years old with information that cannot be used.

That said what should a green stock retailer buy first? I heard REIT is a better choice for newbies as it a defensive stock. If so which REIT. I am looking at SunwayReit.

Is 500 myr enough to start up? Or should I be placing 1000myr in my cdi account. This will be placed as a sacrificial fund to learn from mistakes. Hopefully not that painful mistakes

Some articles say do not read the news while others say you must follow the day to day happenings .

Buy local stocks? Buy international stocks?

I am not looking to be spoon fed but I am sure we all started out feeling lost in a sea filled its sharks.

Thank you.
*
Depends on your portfolio allocation, REIT can be treated as an alternative fixed income instrument.

Since the idea's of REIT is buying a property and rent out, the "income" for REIT is pretty much predictable.

Hence you wont see a sudden increase of profit of 200% in one quarter (If property revaluation only paper gain, it doesnt increase your operating cash flow).

And if you want to learn how to analyse financial reports, REIT is actually a good place to start with. It is not that complicated compare to other stock.

Visit REIT thread for more information icon_rolleyes.gif
TSAvangelice
post Oct 24 2016, 08:59 AM

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From: Kuching (The Land of Opportunity)


QUOTE(Smurfs @ Oct 24 2016, 08:57 AM)
Depends on your portfolio allocation, REIT can be treated as an alternative fixed income instrument.

Since the idea's of REIT is buying a property and rent out, the "income" for REIT is pretty much predictable.

Hence you wont see a sudden increase of profit of 200% in one quarter (If property revaluation only paper gain, it doesnt increase your operating cash flow).

And if you want to learn how to analyse financial reports, REIT is actually a good place to start with. It is not that complicated compare to other stock.

Visit REIT thread for more information  icon_rolleyes.gif
*
thank you. I am now waiting for my application for approval and as Ramjade article stated anything below 8k is not worth an investment but 3k is a bare minimum.

but I do not plan on investing on the better part of the month till I understand how to use the platforms UI and maybe try a simulation on paper

Anyone got a good stock simulation to recommend
TSAvangelice
post Oct 24 2016, 09:02 AM

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From: Kuching (The Land of Opportunity)


Also to all new members who are keen on opening up your ebroking accounts with any platform,

keep asking questions to the person who you meet and like wise they will some how interview you and gauge you if you are competent.

when I opened my account she was hesitant and kept asking me questions like what is unit trust and the difference with stocks.

one of her clients somehow open an account started trading and his stocks disappeared and he didn't know what is stock warrant.

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