Bookshelf ...

Time To Do Some Serious Reading !!!

I would like to recommend 4 books for your reading pleasure, and if possible please read it by sequence ... 

1)Secrets of the Millionaire Mind

T.Harv Eker is an author, businessman and motivational speaker known for his theories on wealth and motivation.

You will learn the importance of financial blueprint or mental attitudes that facilitate wealth







2)One Up On Wall Street

Peter Lynch is one of the most successful investor who achieved an annual average return of 29%, asset grew from $20 million to $14 billion during his 13 years as Fidelity Magellan fund manager. 

Learn from Peter Lynch how to make it happen !!! Personally I think he is as amazing as Warren Buffet.



3)30年股票投资心得(in Mandarin)


'Cold Eye' is an Malaysian investor who shared his 30 years experiences in stock investing based on fundamental analysis.

His book is published in Chinese language, simple yet comprehensive.





4)Crash Proof

Peter Schiff is an American investment broker, author and financial commentator.

He has his own definition for 'Money' and he believe only in Gold. Find out why ??

My personal favourite !!!

~Happy Reading~

Buy And Hold Strategy

The Definition
'Buy and Hold' is a investment strategy in which investor buys stocks or equivalent and holds them for long period of time (years) regardless of short term market fluctuation. 

The believers of 'Buy and Hold' strategy actively select stocks based on 'Fundamental Analysis' (assessment of a company's financial status), searching for undervalued or potential growth stock, and once in position, is unmoved by price movement.

Usually, investors will only sell the stocks if the company's financial strength deteriorated based on financial statement.

All public listed companies were required to submit a financial report consist of Balance sheet, Income Statement and Cash Flow statement every quarter (1 quarter = 3 months)  

Does it works?
There are arguments over whether a buy and hold strategy is actually superior to any other strategy, for instance trading using 'Technical Analysis' (charting using lagging indicators such as momentum to predict price movement), anyhow lets take a look at 2 case study below before drawing any conclusion.

Case Study 1 - Exxon Mobil (XOM)

If we invested XOM at 'A' @ year 1970 and hold it until 'B' @ year 2013, the total return is 4900% over 43 years as a result of compounding effect, excluding dividend. Financial freedom for sure after retirement, in this case 'Buy & Hold' strategy clearly demonstrate its worth.

Case Study 2 - Coca Cola (KO)

If we invested KO at 'A' @ year 1962 and hold it until 'C' @ year 2013, the total return is 4000% over 53 years as a result of compounding effect, excluding dividend. However if we made a awful decision to enter at 'B', the stock still worth the same price as 15 years ago, 'Buy & Hold' strategy seems like not fruitful at all.

'Buy & Hold' strategy will only works for who has the right knowledge to discover 'Unpolished Gem' in stock market, in addition to that, great discipline is also important to ensure 'The Golden Goose' is kept alive.


Good new is this is not the only strategy around for wealth accumulation ... So stay tune =)

The Financial Blueprint

What is a 'Blueprint' ??
Can you imagine to build a house without an architecture floor plan or design?? Or perhaps building a mechanical fixture without an engineering drawing?? 

Yeah, one can argue we don't necessary need that human being can reproduce almost anything based on 'EXPERIENCES'.

Unfortunately 'EXPERIENCES' were often built up at the expenses of gold and time, as a result from try and error. 

If a BLUEPRINT (architecture design/technical drawing) is made available before actual work get started, I believe we can get the job done with ease without heavily rely on 'EXPERIENCES'.

Our Own Financial Blueprint

We spent millions of hour with our parent as we grew up from kid to adult, subconsciously we were all influenced by every decision they made, every conversation they conducted and every idea they shared. 

As a result, we would either behave exactly the same as our parent or behave exactly the opposite way, with no exception to financial sense too.



Few examples :

Mr. X grew up witnessing his parent performed stock trading daily and finally burned all their saving. Since then he lost faith in stocks and vowed to stay away as far as he could, he has removed 'stock' from his 'Financial Blueprint'. But in fact, stock is one of the most effective investment vehicle in present time if manage properly.

etc etc etc ...

There is no right or wrong ways in financial sense, there is just that thing you do, but there are some basic ingredients needed to acquire a correct financial blueprint that lead to success. 

1) Unlearn your experience and knowledge
2) Keep your mind open for new informations

Get prepare to reprogram your Financial Blueprint