Tag: investment
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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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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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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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Stockdale Paradox: Realist vs Optimist vs Pessimist
The law of karma is the law of cause and effect. Effect is determined by the nature of the cause. So the result of action is determined by the nature of action. Action is only an extension to the thought processes of the mind. Therefore action is determined by the nature of your thought. The…
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How Significant is a 1% Difference in the Long Run?
Between one percent and ten percent gain, almost all of us will prefer a higher percentage gain in the shortest time possible. We are just tuned that way, always finding ways to cut corners. Just compare the following statements or headlines. Which one will entice your attention the most? a. Lose 10% body weight in…
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Loss Aversion: The Emotional Impact Is Real
11th November 2019, around 2.10 AM Malaysia Time zone. It’s the 77th minute of the game. Liverpool FC (LFC) was leading by 3 goals but Manchester City (City) managed to sneak a goal in. For City to equalize they need to score extra two goals in the next 13 minutes plus stoppage time. Based on…
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Why Do We Fail as an Investor?
I’ll start this post by admitting I have failed as an investor previously. I’m sure I will fail again in the future, but the difference is now I have a better coping mechanism when it comes to losses, especially unrealized losses. I guess I got better at managing my investment risks. Returns There was…
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Compounding, Time and Patience
I’ve just completed reading Atomic Habits written by James Clear and planning to re-read again. This is by far the best self-improvements book I have read. To summarize, it’s about how habits are cultivated from the compounding effect of minuscule actions. I highly recommend this book as the system shared by the author can be…
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Beginner’s Luck: My Fishing Experience
I’m not into fishing but years ago, I went for my first and last deep-sea fishing trip with my two angler friends. During the trip, we collectively caught many fishes and I manage to catch a barracuda. Apparently, it’s not easy to catch one but somehow, I manage to. I seriously thought to myself, what…
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