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A Victim of Sunk-Cost Fallacy
“Patience is a product of confidence and trust.” — Peter Kaufman The only ally for long-term investment is time. For an investment to grow over time, investors require patience. And to be patient, investors need to have confidence and trust the investment will grow over the long term. Malaysia Equity Market In my opinion, confidence…
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I Was Laid Off
In 2011, a few months after signing the sale and purchase agreement (S&P) for my new home, I remember watching the film “Company Men”. The film was about a shipping company going through a downsizing exercise and how it affected the employees. One of the lead characters in the film played by Ben Affleck was…
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2022: Inflation, Rising Interest Rate, and The Shift from Growth to Value
2022 is simply a terrible year for investors. Most investments return for the year are in negative territory and the culprit is high inflation. We all know what high inflation means to our spending power and it is a cause of concern for both Governments and Central Banks (CB). One of the tools used by…
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Consuming Financial News: Does it Really Matter for Long-Term Investing?
When I first started my investing journey, I figured keeping myself well informed on the daily financial news was a must. So naturally, I started reading The Edge Markets, The Star Business, and listening to BFM radio. However, I realized consuming too much financial news is bad or pretty much useless for long-term investing as…
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How I Evaluate Unit Trust Fund Performance
For me, stock picking is hard. I do not have the time, patience, temperament, strategy, and required skills to value a business. Below are some of the common questions asked by investors while valuing a company. 1. Do I understand the business/company/industry? 2. Is the stock price cheap? 3. Even though it is cheap, is…
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Risk: Foreign Currency Effects on Foreign Investments Return
Below is my StashAway investment return on Friday, 23rd July 2021 denominated in US Dollars (USD). Total Investments (USD): $218.20Total Returns (USD) : -$2.61Current Value (USD) : $215.59 As shown above, I’m currently making a loss of -$2.61 🙁 but what about my returns denominated in Malaysian Ringgit (MYR)? Total Investments (MYR): RM901.00Total…
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How StashAway Diversify and Hedge Their Investments
I was first introduced to StashAway a few years ago by a friend residing in Singapore. I looked them up online and realized it was a “Robo-advisor” platform. Back then, I was skeptical of these Robo platforms. I remember reading a particular article that stated nearly 80% of “Robo investment” platforms in North America ended…
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How Unknowingly, I Co-Owned My Parent’s Property
Short Background In the mid-90s, my parents bought their first residential property. They both owned the property equally, a 50-50 split ownership. Then somewhere during the early 2010s, my father had a stroke and passed away. A few weeks after the funeral, my mother and we siblings (my brother, sister and I) sat down…
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Choosing Either Monthly Or Lump-Sum Investment
In my previous post, I shared how lump-sum and monthly recurring investments can produce different returns. In this post, I will explore further but this time I will flip the chart (as shown below) to simulate a market downtrend scenario. Negative Investment Returns As expected, the returns will be in negative territory. But do notice…
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Different Returns for Monthly and Lump-Sum Investment
I decided to perform a monthly recurring investment worth RM100 into each of the below two funds since 8th April 2020. I’ll share my reason for investing in these funds in the below section too. Fund Names 1. Public e-Asia Pacific REITs Flexi Fund (PeAPREITF)2. Public e-Islamic Sustainable Millennium Fund (PeISMF) Reason A form of…
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