QUOTE(HahaCat @ Jul 29 2017, 12:23 AM)
Is there a diff between a person who invested in unit trust successfully and made 14% per anum yoy and a person who is successful in making a lot of money?
Scenario 1: Mr AV put Rm1K a month into fund A for 10 years. It grew 14% p.a annualized. He made Rm249K. Enough to buy a Toyota Camry Rm150K and rennovate his home 70K and go for a good holiday to Europe Rm29K.
Scenario 2: Mr KC knows if he invest in fund A. He can make an annualized 14% per annum yoy. He is confident. He refinanced his house, top up, to get RM250K. He has to pay interest of 4.5% (Term Loan Reducing Balance) The loan tenure is 30 years. Every month he has to pay Rm937 instalment. He put RM250K into fund A, same as Mr. AV. 10 years later at 14% p.a, he will have RM926K in his portfolio.
Beyond this 10 years, there are 20 more years to go before this two young men retire. Who is a more successful unit trust investor? At 14% pa, maybe both also successful. But who made more money and became a more successful investor?
Scenario 1: Mr HC pinjam money from sharks to put into a fund with a short track record that dia "researched". Riding on the coattails of global economic growth, the fund's focus on small cap and penny stock multiplied in value, making him feel like he's a smart investor. This same person is confident that dia boleh lihat the future. Tapi bodoh jugak for not using the same ability to beli nombor menang jackpot. Because bodoh and coward kerana pinjam duit orang lain, he bayar orang lain who also did same research as him and ask them to buy the stocks for him.
Scenario 2: Mr P has 500k fun money daripada berapa tahun day trading in stock market. Early 2016 after China choked and Mr P busy with work, he pulled out and masuk dalam UT Manu India. Lepas Trump won Mr P have more free time. Mr P sees global economy will grow faster so he pull out of India put into Malaysian small-cap/penny stocks that Interpac Dana Safi also invested in (Wah Mr. P happy kerana IDS validate his keen eyesight). Since YTD returned 195%. With years of investing experience in stock market, Mr P tahu small-cap/penny stock can be very volatile kena monitor tiap hari. He knows is high risk and is like gambling, and his gamble paid off. And since Mr P is gambling with his own money that he tak kisah losing, he tak takut sharks because he is the shark.
So who is smarter and more successful? Maybe both also made money, but one is stupid and enter burning building dengan baju orang lain, the other is smart and pakai own IronMan suit before playing with fire.
Jul 17 2017, 09:16 PM
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Good night.
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