Tag: return
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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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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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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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Don’t Fall for One-Year Investment Return
Say you come across a person or an article indicating a particular investment has made a 10% return in the past year. Let’s try to be a bit more dramatic and say 40% return. I bet this will catch anybody’s attention. Our mind goes “This is a sure win. Everyone is investing in it and…
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I’m Stupid When I’m Desperate
When you are desperate, you think and act stupidly. This was my story a few years ago. I was in a bad position financially. I didn’t know how to earn more, I didn’t know how to limit my expenses. I’m only left with a constant worry about my financial state. Every thought I had was…
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Risk, can we get serious now and talk about it?
In my previous post, I shared a simple investment strategy. Personally, I prefer calling it Risk Management, the reason being an investment is all about the risk an investor willing to take to earn the desired return. The one problem I have noticed among investors, they spend most of their time talking about return and…
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Discount Rate is not Markup Rate (Part 2)
In my previous blog post, I shared the below two points:– Differences between discount and markup rate – Markup rate is always higher than the discount rate How can we apply this knowledge in investing? Well, the goal of any investment is to earn a return or profit at a future date. It simply means…
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