在股市里赚钱每个人都想要,但有没有想过要赚多少,用多久达到理想的数额?其实全都能算出的。 可以用目标导向倒退来做衡量,比如你开车时速80km/j从吉隆玻到目的地槟城需要4小时,12pm需要到达目的地,那么8am开车,自然12pm就能到达目的地。要是你想更快到达目的地,你可以选择提早出发,又或者是在8am开车但是加速行驶。 道理跟股市一样,先设定你的目标再倒退看需要多久能达到,那么就实际多了。比如你的财务目标是500k, 一个月把收入其中的RM1,500拿来投资,并存入一些年增长15%稳定的公司,成为他们的股东,持续这样做,11年后就能拥有这笔数额了。 如何在投资“加速行驶”和“提早出发” 如果要更快达到目标可以有两个选择, 第一, 加额每个月投资的数目,从RM1,500 提升到RM2,000,那么就可以从11年变成9年半就能达标了; 第二, 是加盟更高稳定增长的公司,找20%年增长的公司,一样存入RM1,500 没变,但时间一样从11年变成9年半就达到500K的目标。道理就像你要更快到达槟城可以加速从80km/j 至 110km/j ,维持这样110km/j 的速度就能大大缩短到达目的地的时间一样。 不断学习 自我增值 相信看到这里,你一定会问,那么容易找到20%年增长的公司咩?我都想从RM1,500 可以提升每个月存到RM2, 000,怎样做到才可以的嘛。其实道理很简单,就是不断学习自我增值,当自己成为一个有价值的人,自然很多公司都会需要你的才能,自然薪金也会随着你的资历而提升,这样要每个月存RM2,000 不难。 新手怎么简单找出有潜力年增长20%的公司 就是它!Return of
人都会不断追求生活质量,驾着本地汽车会向往买外国进口车,有了外国进口车之后又向往欧洲名车,住着apartment又想买大点的condo,当住着condo又向往住landed house。 但当我们追求生活质量的同时,好像有时不经意会忽略了我们的收入和支出开始不成正比,甚至支出开始超出了很多,我们都没发现到,只感觉到生活压力开始越来越重。 这就是一个很多中产阶级都容易陷入的财务陷阱,然而自己却完全没意识到,其实这是相当危险的,因为你要应付所有的负担而不得不继续工作,不断地找更多的钱来cover, 这样你的生命就失去了自主权,是人家来决定跟控制你的生活,熬夜加班你都得做。 如何跳脱并停止被钱困惑的这个死循环,方法有很多种,但可以从以下两个开始: 保持正现金流 负现金流会让你陷入 “忙与盲” 的生活,做到没日没夜就为了还债务,好好地去重新计算跟慢慢调试回正/负现金流的比例,比如哪些不必要的开销可以省略,随着时间逐渐贬值的汽车需要买那么贵的吗等,都可以从这些点开始去重新计算。 把钱放在会持续增值的地方 通货膨胀跟货币贬值会导致如果我们只把多余的钱收起来而没有把它放在会持续增值的地方,自然你的钱会逐渐稀释并且价值越变越小,可以考虑把多余的钱加盟好的企业比如投资股票,基金,或产业,哪怕甚至只是收集会增值的邮票,都不要只是把钱收进 Milo 罐而已。 开始用这两个点重新评估你的财务状况,赶快纠正过来以防止更恶劣的财务状况发生。
投资者是如何了解一家公司的基本面?通常都是透过研究公司的财报数据和财报中的详细资料,以了解公司是否是一家基本面稳定或糟糕的公司。除此之外,财报分析还能帮助投资者避坑。 虽然,每份财报都会经由审计师 (Auditor) 来稽核财报的真实和准确性(True and Fair)。但如果等到审计师揭发公司有舞弊的嫌疑时,已经太晚了,股价已经暴跌到谷底并且有涉嫌舞弊行为的公司就像咸鱼一般都无法再翻身。 投资者如果采用财报分析,就能比审计师更早的闻到一家公司是否有某种可疑的事正在发生提早避而远之。 你是否在想如果没有会计背景要如何将财报分析做得好又要能避开陷阱呢?你可以选择自行学习,到书局选购财报分析的书籍;或更快的方式,找一个股票教育平台,由老师教你如何做财报分析。 如何抓到一家公司的舞弊行为? 在散户投资者资源有限的情况下,最易察觉到一家公司的舞弊行为是透过分析公司的三大财报- 资产负债表 (Statement of financial position),损益表 (Profit and Loss) 和现金流报表 (Statement of cash flows)的数据和财务指标 (financial ratio)。尤其是现金流报表是最容易洞察到一家公司是否有操纵的行为。
The information and materials contained in Grandpine Capital Sdn. Bhd.‘s services platforms and training programmes are provided to you for the purpose of general market commentary and general information/circulation only and is not intended to nor will it create/induce the creation of any binding legal relations. Our goal is to help you take control of your financial well-being by delivering solid investment financial education. Any opinions, news, research, analysis, prices or other information contained herein or obtained through our services platforms or training programmes do not constitute investment advice, a recommendation, a solicitation or an offer to subscribe for, purchase, sell or dispose of any investment or securities of any type, or to engage in any financial transaction. It does not take into account of your specific investment objectives, financial situation and any of your particular needs. Please do not trade or invest based solely on the information or materials provided by GrandPine Capital Sdn. Bhd.
The information or materials provided should not be used without first assessing the suitability of the investment products, your specific investment objectives, financial situation or particular needs, or without seeking for the advices of qualified and competent investment professionals. By viewing the information within our services platform(s) and registering for our training programmes, you agree that no warranty whatsoever is given and no liability whatsoever is accepted for any loss or damages arising whether directly or indirectly as a result of any person or group of persons relying on any information obtained through the services platform(s) or training programmes offered by GrandPine Capital Sdn. Bhd., its employees, speakers, directors or fellow members. If you choose to ignore our disclaimer and do not do independent research of the various industries, companies, and stocks you intend to invest in and rely solely on the information, materials and opinions obtained through our services platforms or training programmes – you agree that you have made a conscious, personal decision of your own free will and will not try to hold us responsible for the results thereof under any circumstance.
We believe we have great community of investors looking to achieve and help each other achieve financial success through investing. Accordingly, we encourage our community to exchange personal investment information during the training programmes, however, there will be times when people provide misleading, deceptive or incorrect information, unintentionally or otherwise. It is your responsibility to invest wisely and to safeguard your personal and financial information.
Services platforms and training programmes of GrandPine Capital Sdn. Bhd. are offered to help you understand how to make good investment and personal financial decisions for yourself. You are solely responsible for the investment decisions you make. Our services offered herein are not for the purpose of acting as your personal investment advisor. We do not know all the relevant facts about you and/or your individual needs, and we do not represent or claim that any of our services are suitable for your needs. You should seek a registered investment advisor if you are looking for personalised advice.
By purchasing and using any services provided by GrandPine Capital Sdn. Bhd., you expressly agree that all risks of the use of our services and any consequences of such use shall be borne exclusively by you. Nothing on this page, our website, our services platforms, our training programmes, or any other service provided by GrandPine Capital Sdn. Bhd. is a promise or guarantee of any results, including that you will make any particular amount of money, or any money at all. You also understand that all investments come with some risks and you may actually experience financial loss while investing. Any results stated in our services platforms or during our training programmes, in the form of testimonials, case studies or otherwise are solely for the purpose of concepts illustration and should not be taken and considered as average results, or promises for actual or future performance.
While every effort is made to check the accuracy of the information and materials provided on our services platforms and training programmes, GrandPine Capital Sdn. Bhd. cannot accept responsibility for any errors or omissions. We therefore strongly recommend that our investor community make their own thorough checks and seek independent investment advice before entering into any kind of transaction.
GrandPine Capital Sdn Bhd (623304-K)
40-3 & 42-3, Jalan PJU 8/5b, Damansara Perdana, 47820 Petaling Jaya, Selangor
info@grandpine.com
03-7727 0671
Courses
No products in the cart.