Friday, July 1, 2011

Something you need to know before you start to invest in stock market

10 Maxims, from Sir John Templeton, a person who was a well-known investor and mutual fund manager. He became a billionaire by pioneering the use of globally diversified mutual funds. He is noted for buying 100 shares of each company for less than $1 ($16 today) a share in 1939 and making many times the money back in a 4 year period ( but I hope my customers can earn money 4 times period per month :P, learnt from my manager). However, he rejected technical analysis for stock trading, preferring instead to use fundamental analysis. He was named as " arguably the greatest global stock picker of the century" by Money Magazine.

There are 10 things we must keep in mind while trading in stock market, either using fundamental or technical analysis. These are very useful as we can minimize our risk. Always remember that, stock perfomance is basically from the emotional outcome of the major investors (players). We are not able control our emotion easily. For instance, when the good news come out, people would normally loss their control and follow others to buy the particular share, but they wont know that, when they bought the share, there are actually someone who already took profit and left the game. So, just read these 10 maxims from Templeton, and try to recall back, are you doing the same mistake again and again ?   

1. Invest for real returns
The true objective for any long-term investor is maximum total real return after taxes.

2. Keep an open mind
Never adopt permanently any type of asset or any selection method. Try to stay flexible, open minded and skeptical. Long term top results are achieved only by changing from popular to unpopular the types of securities you favour and your methods of selection.

3. Never follow the crowd
If you buy the same securities as other people, you will have the same results as other people. It is impossible to produce superior performance unless you do something different from the majority. Buying when others are despondently selling and selling when others are greedily buying requires the greatest fortitude and pays the greatest reward.

4. Everything changes
Bear markets have always been temporary. And so have bull markets.

5. Avoid the popular
When any method for selecting stocks becomes popular, you will need to switch to unpopular methods.

6. Learn from your mistakes
'This time is different' are among the most costly four words in market history.

7. Buy during times of pessimism
Bull markets are born on pessimism, grow on skepticism, mature on optimism and die on euphoria. The time of maximum pessimism is the best time to buy, and the time of maximum optimism is the best time to sell.

8. Search worldwide
To avoid having all your eggs in the wrong basket at the wrong time, you should diversify. When you search worldwide, you find more better bargains than when you monitor only one nation. You also benefit from more safety thanks to diversification.

9. Hunt for value and bargains
Too many investors focus on outlook and trend. Therefore, more profit is made by focusing on value. In the stock market the only way to get a bargain is to buy what most investors are selling.

10. No-one knows everything
An investor who has all of the answers doesn't even understand the questions.

These 10 maxims are actually extracted from a blogger, "HowTze浩知". He also like to share something relating to the investment and finance.

sir john templetons 10 maxims

Monday, June 27, 2011

Ideal suggestion for Sales Manager

"Challenge" !!!
SALES TARGET: 2,3,4 times of your basic salary??
I want 5 times or even 10 times !!!

Sucker Punch
A meaningful sentence I'd like to share with those salesgirls or salesmen.
The word "Stressed", is actually a "desserts" after you overcame it. Don't believe?
Just reverse the word "Stressed" then you can find out the answer.

Challenge ~~

Sunday, June 19, 2011


Just read an article, quite meaningful, especially for those who are getting into "Social University" .


From : 25歲前你應明白的25句話

Saturday, June 18, 2011

Why do we need to do investment ?

I found that, nowadays, some people are not really aware of the importance of the investment, or, they dont really understand "the nature of the investment".

In most cases, when talking about "investment", people would probably answered me" I have no money". After 5 years, I asked them the same questions. more than 80% of them answered me the same answer; 6% of them began to have interest on investments; 10% told me that they have already invested and in the learning process; the rest, no comment (perhaps they have made alot of money from investment and they are socalled low profile person).

However, have you ever thought that, five years ago, RM1 for 1 "teh ice" (Ice tea in english, 50% of teh, 50% of ice), now RM1.50 for 1 "teh ice" (70% of ice, 30% of teh), and sometimes we even need to request for "kurang ice (less ice)" ! What happened to those "mamak" ?! 

Time erodes money??

Then now, have you ever imagined that, 5 more years after, RM2 for 1 "teh ice" (? % of teh, ? % of ice). You might say that, "Malaysian economy is growing lah, that is why!" But, think about your salary, is this increasing year by year? If yes, you need to invest more. If no, you still need to do investment. 

So, what the hell investment is?

Quite simply, let your money help you to earn more money without physical overexertion. 

Have you imagined that, you need to pay installment for your car every month, suppose it is RM550 per month, you dont need to pay this by using your montly salary but your investment instruments.Through the investment, you will get extra RM550 ( or more than this amount) to pay your car loan.

Inflation, Cost of Living
When dealing with these factors, you are just a "little flower"

First of all, I need to clarify one thing, investment instruments I mentioned ARE NOT involved in any pyramid scheme or direct-selling. Im not going to promote the advantage of direct selling or pyramind scheme. The investment instruments I mentioned are those securities products like share, unit trust, futures & options, commodities (example: gold), currency, treasury products, bond, Dual Currency Investment (DCI) and even Fixed Deposit (FD). 

It is just a simple concept for the investment. How does it work for your daily life and early retirement plan.  

Is his stomach looks like your wallet now?


You are saving money or feeding the monster of Inflation?

Are you ready to fight with Inflation ?

*Next post: What types of investors you wanna be? Winner or losser ? What method can you applied in investment ? Just stay tuned...

Sunday, June 12, 2011

It starts ...

I'm not use to write diary before. Because I dont hav this kind of habbit. Unless I was forced by secondary school teachers due to the weekly homework, or went into 1 n half month PLKN in year 2010, July.

One day, however, I found that my "memory space" is getting full n I cant really memorize or recall back what I hav done before. Ehlo, dont get me wrong, Im not a dementia patient or amnesiac, I just want to record, write and dwell on the past`, we called it "History".

Therefore, I started to create a blog at It almost killed me when asking me about the "blog-title". It is very difficult like asking me to name my children. Firstly, I named it " Lim Investment Mind (LIM)", but I was afraid that people will treat it like somewhere promoting, sharing or even advising people investment ideas; After that, I put " The way to success", oh shit man! This is not kind of motivation blog, and at the moment im not a successful person, and whatif I cant achieve my goal in the future (touchwood) ? Ughh, it is really killing me. So...any idea for this blog's name ? Do feel free to PM me or email to my mailbox. hehe.

Finally, I named it as "I-blogger", the word " I " got many meanings. But for me, myself, it is just a place where I could write down my life, share something regarding the market, investment, the country, the world and bla bla bla...

Opps! I havnt introduced myself yet. My name is Elson, and currently working at OSK Investment Bank Bhd as a dealer representative. I do enjoy the job, my life, the moment spent with family, Yily, friends, colleagues, and customers.

Life is great, while you have found something you are really interested in. Guys, have you found it?