About Me

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I' a single Malaysian woman, living and working in Singapore with my life revolving around: 1) work - financial planning (it's all about money) 2) friendship - all family members in Malaysia 3) relationship - still searching for my prince charming. I believe in 'blogging as a function of sharing' and 'knowledge as the key to power'. Anyway, let's embark on our learning journey together and conquer the world with our passion for knowledge. Have fun ;p

Friday, January 26, 2007

Let's Talk About Investment...

Hehehe... back to posting again. I guess I was just a bit down the last time round n sort of in the mood for drama. But thank you very much for all the kind and supportive comment.

Well, the topic for today is "Investment" and (as I commented in earlier post) investment is any form of instrument that make $ work for you and NOT you work to get $. The most simple form of investment is also known as "Ownership Investment" where we own something in order to generate a return for us be it in capital gain (e.g. profits from sale of stocks, unit trusts, options, futures, etc) or regular income (e.g. rental income from investment property, interest from bonds, etc).

What I'll be highlighting today are the key features which makes an investment suitable for whatever goals we have in mind.


1) Initial Capital;
2) Liquidity or ease of disposal with available ready buyer
3) Physical and mental effort involved
4) Time horizon
5) passive income

To further illustrate this, let's have a look at the table as below:

Let's assume we start investing at the early age of 20+. We just started working, we don't have a lot of money, and we have loads of things that will be going on with our lives which requires more money (e.g. further studies, get married, buy house, support our families, etc). So what we should be looking at is 'stocks, shares, unit trusts, mutual funds' as they requires relatively low capital (range from S$500 to S$5000 depending on investment) and minimal effort (pick something we can understand and stick with instead of something that's in the trend) and more importantly can be dispose off easily when we need the $.

Next, we go to our 30s and 40s... We are probably happily married with kids and wanna save for their education and at the same time start thinking about our dream retirement. We would have accumulated a bit of cash and also some good investing knowledge over the years. So if the spare cash is enough, we may wanna invest in some properties(this way, we get regular passive income) but at the same time leaving just enough still in shares, unit trust, or bonds for liquidity convenience. With good contacts or networking, we may also found some good business opportunities which we venture in n be our own boss. ;p

As we reach our 50s n 60s... we look back in time to our accomplishments n at the same time look forward to our retirement. Most of our $ will be in some form of investment and what we really want is some form of pure passive income which will pay for our regular expenses when we retire. Ideally the passive income will be more than our expenses so that the capital will in fact appreciates over time and leave a legacy for our next generation.

Wow.... such a perfectly "happy ever after story". Are your story gonna be the same? Or are you still struggling to take the first step? Let me assure you that it's never too late to start be it you are in your 20s or 50s. But it is crucial to note that there is no one perfect investment solutions. There may be some slight variation or even lowering in expectation. However, what we want to avoid at all cost is... "I'm 70 and I'm still working because I don't have enough $$$ to pay for the food, water n electricity." Neither do we wanna say "Gosh!!! If only I had so n so shares or properties back then my $$$ would have been ten-folded now."

So what are you waiting for? Start thinking, planning, evaluate options, implementing and most importantly setup review as nothing stay the same forever. And if you feel the work is just too much, get someone like me to help you out. ;p

9 comments:

Cheryl Leong said...

I am now very interested in investment. Any good recomendation ah?

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Anonymous said...

Good day !.
might , probably very interested to know how one can reach 2000 per day of income .
There is no initial capital needed You may commense to receive yields with as small sum of money as 20-100 dollars.

AimTrust is what you thought of all the time
The firm represents an offshore structure with advanced asset management technologies in production and delivery of pipes for oil and gas.

Its head office is in Panama with affiliates everywhere: In USA, Canada, Cyprus.
Do you want to become really rich in short time?
That`s your chance That`s what you really need!

I`m happy and lucky, I started to take up income with the help of this company,
and I invite you to do the same. It`s all about how to choose a correct companion who uses your savings in a right way - that`s AimTrust!.
I earn US$2,000 per day, and my first deposit was 1 grand only!
It`s easy to join , just click this link http://ehawipew.kogaryu.com/jupyru.html
and lucky you`re! Let`s take our chance together to become rich

Anonymous said...

Hi !.
might , perhaps curious to know how one can collect a huge starting capital .
There is no need to invest much at first. You may start to receive yields with as small sum of money as 20-100 dollars.

AimTrust is what you haven`t ever dreamt of such a chance to become rich
AimTrust incorporates an offshore structure with advanced asset management technologies in production and delivery of pipes for oil and gas.

It is based in Panama with offices around the world.
Do you want to become a happy investor?
That`s your choice That`s what you really need!

I`m happy and lucky, I started to get real money with the help of this company,
and I invite you to do the same. It`s all about how to choose a proper companion utilizes your savings in a right way - that`s AimTrust!.
I take now up to 2G every day, and my first deposit was 1 grand only!
It`s easy to join , just click this link http://rugurute.angelcities.com/jidesyv.html
and go! Let`s take this option together to become rich

Anonymous said...

Good day !.
You re, I guess , perhaps very interested to know how one can collect a huge starting capital .
There is no need to invest much at first. You may begin to receive yields with as small sum of money as 20-100 dollars.

AimTrust is what you thought of all the time
The company represents an offshore structure with advanced asset management technologies in production and delivery of pipes for oil and gas.

Its head office is in Panama with offices everywhere: In USA, Canada, Cyprus.
Do you want to become really rich in short time?
That`s your chance That`s what you wish in the long run!

I`m happy and lucky, I started to take up real money with the help of this company,
and I invite you to do the same. If it gets down to select a correct companion who uses your money in a right way - that`s AimTrust!.
I take now up to 2G every day, and what I started with was a funny sum of 500 bucks!
It`s easy to join , just click this link http://imegimotu.100megsfree5.com/uwewad.html
and lucky you`re! Let`s take our chance together to feel the smell of real money

Anonymous said...

Good day !.
You may , perhaps very interested to know how one can collect a huge starting capital .
There is no initial capital needed You may begin to get income with as small sum of money as 20-100 dollars.

AimTrust is what you need
The company incorporates an offshore structure with advanced asset management technologies in production and delivery of pipes for oil and gas.

Its head office is in Panama with offices around the world.
Do you want to become an affluent person?
That`s your choice That`s what you desire!

I`m happy and lucky, I began to take up income with the help of this company,
and I invite you to do the same. It`s all about how to select a proper partner utilizes your funds in a right way - that`s the AimTrust!.
I take now up to 2G every day, and my first deposit was 1 grand only!
It`s easy to start , just click this link http://bumywezi.kogaryu.com/witose.html
and go! Let`s take this option together to feel the smell of real money

Anonymous said...

Good day, sun shines!
There have been times of troubles when I felt unhappy missing knowledge about opportunities of getting high yields on investments. I was a dump and downright pessimistic person.
I have never thought that there weren't any need in large starting capital.
Now, I feel good, I started to get real money.
It gets down to choose a correct companion who utilizes your money in a right way - that is incorporate it in real deals, parts and divides the profit with me.

You can get interested, if there are such firms? I'm obliged to answer the truth, YES, there are. Please be informed of one of them:
http://theinvestblog.com [url=http://theinvestblog.com]Online Investment Blog[/url]

Anonymous said...

Hi!
You may probably be very interested to know how one can make real money on investments.
There is no need to invest much at first.
You may commense earning with a sum that usually goes
for daily food, that's 20-100 dollars.
I have been participating in one project for several years,
and I'm ready to share my secrets at my blog.

Please visit blog and send me private message to get the info.

P.S. I earn 1000-2000 per day now.

http://theinvestblog.com [url=http://theinvestblog.com]Online Investment Blog[/url]