Friday, December 31, 2021

2021 回顾

2021年, 新冠疫情还是没有压下来。不过幸运的是大家都已经打了疫苗,生活也逐渐回到了常态。

这一年很庆幸的是身边的家人朋友都平平安安。疫情好像魔法一般令我们的2年就这样奇迹般地被消失了,有点不可思议没想过自己会活在那么一个大的瘟疫里,戴着口罩生活,打卡登记,上网开会等等的新生活常态。

真心希望2022年瘟疫直接消失,不再存在。我好想出国玩啊。

原本这个时间我应该在瑞士看着雪景,滑着雪,喝着咖啡,看金发美女。雪装和装备都已经买了,结果现在不知何时何日才能派上用场了。该死的病毒竟然又进化了,真实哭笑不得。哈哈哈


去年的12月30日我正式交辞职信。因此,今年的3月开始我其实就闲赋在家,摇脚过人生。哈哈,在家投投资,交交易悠闲啊,不需要上班看老板和同事的脸色。

2020年的12月25日我也买了一辆新的 lexus Nx aka 小黑奖励自己哈哈,人生中一次买了那么贵的豪华车,不禁有小小的成就感啊。之前的kia的供期也直接付光了,给了老婆用。买了个按摩椅,着实满享受人生的 lol

虽然今年Q2开始股市:
就遇上疫情复发而 MCO,政治不稳定,烂透的预算案,著名炒家被翻底,一些散户明星股如 serbadk 被揭发做假账导致整个市场乌烟瘴气。不过幸运的是去年的第一桶金又成长了呵呵。没记错应该有接近100%?>.<
算了。哈哈


今年大概9-10月也发生了一些遇到小人的事情,是在股市里的 herman group 发生的事情,不过就算了,不想为了小人多费口舌哈哈。股市就是这样最现实的平台,赤裸裸资本主义下的产物。


总而来说2021年还是个不错的年份。2022年很多算命的都说猴子不甚好,让我们再看看吧。人定胜天嘛!也希望2022年开始计划努力造人,顺其自然。
哈哈哈哈 BYE! 新年快乐!!!

Friday, November 20, 2020

消失的5年总结

上一次update 是 2015年的时候哈哈。
那么为什么我现在又回来了呢?

因为发现人老了后记忆真的不行,所以为了以后老了还可以唏嘘唏嘘一下,我觉得我有必要记录一下我的人生。

那么为什么不要在面子书上记录呢?因为面子书太招摇了。这篇原本就有些炫耀的性质 (提前剧透,不喜勿入)哈哈哈。不过我相信我的周围朋友也没有几个还在看 blogger 啦。所以真的是写给自己而已。今天就想和你分享我的投资经验,我觉得很实用,可以拿来借鉴。

2020年可以说是改变我人生的一个年份。我在这年买了屋子,娶了老婆。虽然这样说不懂不对,不过真的因为疫情反转了我的人生。

先说说吧:

2015年毕业后我因为很彷徨,又不想进入精算领域。就误打误撞地进入到了现在的公司-大成营养科技,接着一直也就这样打工地过日子。公司福利还算不错,基本上每年都有给你出国至少一次的机会,同事间相处得也算融洽。

2017年因为朋友接着偶然接触到了股票。当时刚好是个大牛市,可惜我当时完全没有知识,然后朋友介绍几个 SIFU 给我,SIFU 给的 TIPS 我到现在都还记得。人生中第一个股票 GOB 和 Dolphin 买了就去 holland。幸好当时我的资本也不多,也就5,000~10,000左右。因此烧了50%都还可以。不过对当时的我来说真的很痛,睡也睡不着觉。接着我大学的好室友 matiw 出现了,他本身是 trader,我又傻傻地跟了他给的 CAB,意外地成为我第一个开番的股票。我还记得当年我买了 150lot RM 1.00 左右,因为 CAB 本身就是我做工的行业,我不少身旁的客户(连我自己的老板)都有。当时有一天开始他连升 10天,每天我都在公司笑得见牙不见眼。我老板却偏偏在他起的前一个星期卖了,那个礼拜我还能记得他咬牙切齿的模样哈哈。好吧总之2017年我就用赚的钱买了一台车(当然是供头期而已)LOL,接着也算收获不错,陆陆续续从30+k 赚到了 60k.

2017Y - Starting CAPITAL 30+k --> 60k 

想当年,2017年那么牛,少不了自我膨胀。以为自己是天之骄子,股票神童。2018年开启了我的 GG 之旅。在2018年一整年我又陆陆续续加码我的资本到了 70k。不过因为尝到了甜头,所以我增加了我交易的次数,结局都是以惨败收场。何况当年遇到马来西亚独立以来第一次换政府,整个市场除了第一天是大起之外,接下来的每天都是在跌。主要原因是许多GLC公司因换政府的原因导致大崩盘。我还记得那时候我人在意大利,半夜起来炒股票(时差7小时),记忆犹新。总之2018年开始我的交易次数很频繁,却一而再地越输越多。其中还去炒了 HSI,成为我人生中的一个大败笔。这一年,我输了我的资产超过50%

2018Y - Starting CAPITAL 70k --> 20+k

2019年,我痛定思痛。思考了人生的规划。也开始真正地去了解基本面和技术面的操作方式。也是遇到了我的另外一个好友 kelvin ,介绍了几个股给我翻身。哈哈!(要不然我觉得我现在应该已经退出股市了)我每天也会和几个好友讨论个股,一起研究。我也不再那么频密交易,终于慢慢上手,开始收复失地。2019年第一次赚了人生中的第一个百千。2019年年尾,我毅然决然地另外私人贷款一个 50k投入股市,期间也做了不少挣扎,不过我觉得50k 还是我的负担之内,因此才有了这个决定(绝对不是鼓励你去借钱投资)。2019年赚了点后,我也买了戒指,然后在克罗地亚和现在的老婆(废话)求了婚,度了小小的蜜月。

2019Y - Starting CAPITAL 20+k --> 100k

2020Y, 也就是今年,我再次达到了自己新的里程碑。因为疫情的关系,3月开始在家办公,那时候全球股票大跌,全世界都见证了美国股市经历几次熔断的+原油跌至负数的经过。不过幸运地是:在美国熔断的第一天我就全部果断斩仓离场,因此我的损失虽然当天损失惨重,不过这也给了我额外充裕的资金在接下来的日子捞了不少底。我也在这年捞到了我人生中的第一桶金。车贷还了,个人贷款还了,屋子买了,老婆娶了,总算觉得人生还不错哈哈哈。我本身小小的 Damon Fund 的各位Shareholders (我爸妈老婆)今年也都得到了超过100%的回酬率!实实在在的现金 transfer 进他们的bank account,还不错吧!我也因此有了新的规划,计划在2021的第一天就辞职,计划往投资这一行发展。(先辞再说哈哈哈,话说我的同事老板应该不会看到我的这篇吧?哈哈哈要不然今年就没 bonus 拿了 XDD)。最近也在考虑投资一些房地产,分散手头上的风险,提早规划退休人生。

2020Y - Starting CAPITAL 100k --> 第一桶金

今年有幸帮了身旁很多朋友也赚了不少钱。我本身也开始在帮助一些有需要的机构。有来有去,既然我从市场赚了一些,我也觉得有义务必须用于社会。小小的心意,希望可以帮助到有需要的人。


感想:
1. 经常听到人说股市如虎口,其实这取决于你的态度。股市和赌博一样,一个“贪”可以令你死无葬身之地。当有一天你可以克服,不再被大众的喧哗影响,就是你成功的开始

2. 从巨赚到巨亏又巨赚,我可以说在3年里经历了过山车式的经历,也因此有了许多你没有经历过真的得不到的宝贵经验。没有经历过,真的无法想象。

3. 其实我很乐意帮忙周围的朋友了解这一块,投资其实要从早开始。可是我时常听到的都是;“哎呀现在没钱啊,多几年再来看吧”,‘没时间啊,平常上班都好累了’,要不然就是对自己的策略方法也很有信心(不过说真的,目前我还真没有遇到)呵呵你们真的走宝了,身旁有个我都不知道。以后我不觉得我会有那么空闲的时间来答你们了,如果今天你有幸看到这篇文章,有兴趣的话真的可以来和我交流的,别害羞。我有自己的一套投资法则,希望可以继续完善并改进,也希望加强自己的人脉。

4. 如今拿着月薪 5000。真的足够你们的开销吗?月薪5000,每个月做工22天,每天9小时,其实你的时薪只有区区 RM 25。当然,每个人的生活需求都不同,主要还是看自己。不过我觉得真的需要多一些的收入来源,当钱不再是烦恼,人生真的美好很多。


好啦,希望明年我可以更上一层楼,赚更多钱给我爱的人和我自己花。也希望明年我会有时间再 update 我的人生历程。(希望是越来越好)


大家加油!奋斗!35岁财务自由 !


#给大家参考目前的投资组合:

1. FD + Saving Plan - 10%
2. Stock : Long Term (Genting, Genm), Mid Term (Presbhd, Jaks, Phb), Short term (Mynews, Artroniq)
参考就好,尤其是Short term / mid term 组合,我随时都会卖或加入新的个股。目前手上的都是在 profit 中。在考虑辞职了之后是不是学 KYY 得空就写一下 blogger update 然后叫全部人一起帮我 push 哈哈哈




Wednesday, November 25, 2015

LIFE

Finally time to face reality - LIFE.
It is certainly something to be proud of to be able to graduate especially from university like University of Malaya. This literally marks the end of my study life.

20 years of studying.
Mingling with happiness, sourness, bitterness, all kind of emotions surged through and frantically gasped for the air especially in this rainy night.
Albeit graduated with title of Actuarial Science Bachelor, it really takes me a lot courage to choose the path I am currently embarked on.
Struggling within several sleepless night, considering tormentingly every outcomes and dreams to be achieved, it took me to where I am now.
Hope that Blogger could sustain for another 10 years and I promise myself that by that time, I would look back what I were 10 years ago and am I on the right path successfully pursuing my dreams.

My friends, NEVER AFRAID TO GO AFTER UR DREAMS AND DO WHAT YOU LIKE.
My ambition is to become an entrepreneur and that's why I have chosen to forfeit my actuarial courses. Maybe someday in the future I might regret for not able to carrying on with this, but what do I realize now is that I would definitely feel remorse for not mustering my courage to go after my dreams when I am still young. =)

‘青春是把双向剑。享受的同时也同样在挥霍着。
舞动你的青春,任凭伤痕累累,只需要寻到你的剑锋,必能乘风破浪。’

再过个四十天就是 2016 年。24 岁了。看看这个数字突然觉得很可怕。
曾经17岁的无知,20岁的轻狂,看到了24只怕也要缴械。
时间真的是人类创造出最具杀伤力的武器。
Time is the greatest weapon ever created by human.
No one escaped.
Never in history.


Future does not come by its own and is not maneuvered by others.
Future is yours. No one understands you better than yourself.
No one decide future for you but you.

Good luck everyone...
Good night world...
(done for today, time to face life tomorrow)


Friday, February 13, 2015

4 days 3 nights Sabah trip (Mabul island and Tawau)

************************************************************************************
First day

Well, until I am back to my real life now, I still cant help recalling the stunning beauty and the indelible mesmerizing view of Mabul Island. It is a place isolated from the hustle and bustle of the city and indeed a true paradise for every nature lover. Not to forget to mention that Scuba Junkie, a place where we spent our days in Mabul Island is a must-go resort and strongly recommended.

At the very first day, we took our flight off at 7.30 and reached there around 10.30. We then took a van to the Semporna, (a jetty which is a pass through for everyone before departing to every island around that region). It took us approximately 1 hour to reach and we had a simple lunch there. It is a huge relief to see that harmony among races still actually prevail in East Malaysia where you can see Malays work in Chinese restaurant and all kind of races gathered at Chinese and Malays restaurant to have their meals together neglecting the difference of skin colors which make how different they look in their appearance.

Girlfriend taking photo with many patterns. LOL


We then headed to the long-waited Mabul Island! Along the journey, the crystal clear ocean, the soaring seagull(very few though), the howling wind due to the speeding of the boat with occasional splash of water onto our faces invigorated our deadbeat body resulted of the long travelling hours. Not really realizing how much time been spent on the boat, we reached the island which immediately feasted our eyes with it's intense beauty.



(Scuba Junkie is a resort run by foreigners, whose mostly come from US I believe. Despite being foreigners, they actually do a lot more better job in conserving our Malaysian ecosystem than our Malaysian. Such an irony fact to tell, isn't it?

'40 millions years to perfection, 40 years to almost destroy'
- one of the quotes printed on their t-shirt generally triggered so much inspiration on humanity behaviors towards the mother nature.)

We reached Pulau Mabul by 4 p.m
The staffs helped us carry the luggage and briefed us of the island, welcoming us with superb hospitality. Literally felt the surge of safety and warmth the moment I stepped on the land. (though the island had actually been threatened with the invasion of Philippines terrorists recently)

We checked in and took some rest in the chalet.
After that, we had our dinner at 7 which was served with Western Cuisine such as spaghetti, french fries and so on. The food was nice.

We then attended a talk given by some shark lover from US. They introduced us the sharks and worked on many efforts to save the sharks from being extincted, including urging the government to illegalize the shark fishing activities and to promote awareness to public on the significance of sharks in an ecosystem. Extremely guilty when the slides actually depicted some pictures of Chinese eating the shark fins soup.

After having some chill in the bar, we then slipped into the slumber land at early hours to brace for the next activity-fully-loaded day.

************************************************************************************




Wednesday, November 6, 2013

21st birthday post

So it is my 21st birthday =)
Quite emo as I had just lost my puppy one week before.

就祝大家开开心心一家人健健康康 =)
真不敢相信 21 岁的我愿望那么简单。
其实,简简单单的幸福才是最可贵不是吗? ^__^
还有就是终于可以堂堂正正跟 7-11 的 counter 说要买 CXXXXX 了
虽然暂时没有机会用到不过也是很爽 xD
就这样啦 >.<
很高兴有一大群好朋友!
call 来的 msg 来的 pm 的
全都非常感激!
大学的中学的matrik的全部全部! <3 <3
(女朋友列?很忙啊摇准备考试都不得空理我 T.T)

Monday, October 28, 2013

十月二十八-致 DENDI

今天是个平凡的日子
却是不平凡的一天
原本应该写一篇上怡保参加亿赏姐姐婚礼喜事的文章..
不过决定延后写了.. 实在是对不起..好不好意思 @@

今天可谓大喜大悲。
没有准备几个小时的考试竟然会做,就整个人兴奋到乱跳好像猴子一样,真的是有够下水。
晚餐时分,妈妈 call 了一通电话,很凝重地和我说 dendi 死了,一时之间反应不过来,过后一股伤感油然而生,慢慢地如雪球越滚越大,直到过后另有一件极伤心事发生,如火上加油,乃一发不可收拾。
想起 Dendi 以往那活泼可爱捣蛋顽皮无辜胆小的模样只能在回忆里缅怀,心一阵绞痛。(已经不想再多着墨,今晚已经哭得太多太多,虽说和 dendi 只有两个月多的感情,那已经够了,太够了,足够令我想起和他所经历的一切,只想说,此时此刻,我很想再和他一起。)

想起一些话语,受伤的心残酷地被二度伤害。
知道是无心之失,但人人都知道事实往往是在不经意间透露。
有那么一瞬间(就是一瞬间而已)我不知道以后该怎么面对你,没想到一直以来给你的感觉是如此。
只能说对不起,我也不知道还能做什么...

一个礼拜后的今天,就是我的生日。
如果说这是迈入二十一前的洗礼,我可以选择不要么

Sunday, September 1, 2013

PHONE for nowadays

http://www.trueactivist.com/after-i-saw-this-i-put-down-my-phone-and-didnt-pick-it-up-for-the-rest-of-the-day/

Yes I despise smart phone.
I used to be one of them, playing an Ipad while waiting for food to be served or so on.
Yet, not after my mum scolded me and forbid it.
I really thanks my mum for fixing my bad habit.
And now,
I use my eyes to see the world, not through a camera lens.
I use my heart to feel the world, not through social networking.
The concrete happiness I feel belongs to me.

Phone is merely a device to connect people.
Not to wreak havoc on life.

*sometimes I do sincerely feel glad for that I do not own an apple, I am gratified with my orange.*

$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$

YES! Here come my new family member
DENDI  !!!
He has actually came for 2 days yet I am not free to blog.
Well, welcome to my family, this is the first time we ever breed a dog and it appears to be a challenging task indeed.. >__<
Hope u stay happily and healthily here, Dendi.
=)