Hi all,

Please bear with me as I am new to the world of stock exchange.

My basic question is what should one do with your stocks?

My remisier's answer is sell at higher price than I buy and make profit. To me that sounds like a gold prospector/speculator rather than as a true investor.

Now to explain my train of thoughts:

I am having a regular source of income (as in having a regular 9-5 job).

I have extra saving by not spending more than I earn.

I used to put my money in FD.

I realized that money in FD was very lazy... it is giving me lousy returns that will not beat inflation.

I have been buying dividend yielding counters hoping that they will give me better Rate of return than FD, I am targeting a conservative yield of 8 - 10%. I am not speculative, but I rather buy them small pieces at a time with the amount I am comfortable with (based on my budget)

I want to keep these dividend yielding counters as part of my retirement plan, hoping that they will give a source of income after I am unable to work anymore.

However, my remisier thinks that my plan is a joke. He cannot understand why I want to keep the stocks when I can make a profit during a bull run.

I cannot understand why I must do like he said.

I hope to hear from second, third or fourth opinions.

Thanks.

Xuzen