【ordinaryview 个人专区】 職場工作與投資理財，富理財又富投資

tan81

那天见面，就问你是否这个专区的主人。

很高兴认识你。
你的投资非常出色。

gowin

ordinaryview兄的帖子所分享的实在是值得好好回味思索。。
期待你的分享。

ordinaryview

哪里。。。哪里。。。只是小人物一个，还在寻找自己的一套策略。。。。。
也很高兴认识你。。。

ordinaryview

投资和理财要保持耐心、勤奋、理智的态度，才能创出自己的一片天空 (钱赚钱)
此外，别忘了投资自己，提升自己工作方面的知识与技能。。等等。。。(人赚钱)

ordinaryview

　　1.罗曼蒂克能发财

　　想成为富翁，一定要有非常强烈的赚钱欲望。而现实的金钱，也是用来满足个人欲望用的。罗曼蒂克的人为了实现人生的梦想，也就充满了斗志，这斗志就是激励他赚钱的最大动机。因为，只有赚大钱，才能实现他的“美梦”。

　　2.富翁懂得施舍

　　愈有钱的人愈小气，赚过钱的人才知道赚钱的困难，但他们一定懂得适度的“施舍”，因为施舍也是赚钱的重要手段。白手起家的人，一定待己俭朴，一条毛巾可以用到破，一块香皂可以磨到完，但他知道赚钱是靠大家一起完成的，因此他绝对乐于与人分享。

　　3.不满现状能成富翁

　　如果你已习惯朝九晚五的上班族生活，整天上班、下班，日复一日，任凭岁月消逝，你一定成不了富翁。一个会积极想要赚钱的人，绝不以温饱为满足，一定想要让生活多彩多姿，天天充满赚钱的活力，具备了这个要件，再冷、再热的天气，再苦、再累的工作，你才会心甘情愿的去做，而当你养成了这个赚钱“习惯”后，财富自然愈来愈多。

　　4.寒门出富翁

　　社会上的大富翁，出身背景常两极化，不是继承祖业的企业家第二代，就是从小贫困白手起家的创业者，而后者的能力和累积财富的持久力大多优于前者。一个生长在贫穷家庭的小孩子，因为穷怕了，所以有着比一般人更强烈的赚钱欲望。

　　5.脑筋太好难赚大钱

　　照理说，愈聪明、愈会读书的人，应该最会赚钱，事实上，这些知识经济富豪只是全部富翁的一小部分。有智慧有道德的人往往囿于理论，不善计谋，他们的“智慧”，反而成为赚钱的障碍。

　　6.要发财不要害羞

　　一般人想要赚钱，也一定要勤于“动”，平常勤于与人“互动”，让人际关系活跃起来，赚钱的机会自然较多。赚了钱之后的投资理财行为也一样，投资是“动”，储蓄是“静”，如果只是储蓄，所赚利息常被通货膨胀吃光光，是积不了财的。在动的过程中，要特别记住不要害羞，不要怕没面子。

　　7.自信心和好奇心

　　想要致富，不仅要充满自信，更要充满好奇心。好奇是人类生活进步的原动力，是一种创造力也是一种魄力，有了这种魄力就会去做投资、冒险，而这种行为正是致富的主因之一。

ordinaryview

	Price		Change %	* 10 Years Return (CAGR %)
	31/12/2007	10/10/2008
PBBANK	11.00	8.95	-18.6%	14.3%
PPB	11.00	7.90	-28.2%	8.6%
GENTING	7.90	4.72	-40.3%	7.3%
BKAWAN	11.40	6.80	-40.4%	10.0%
TANJONG	18.50	12.40	-33.0%	6.3%
IJM	8.60	4.06	-52.8%	4.0%
YTLPOWR	2.70	1.76	-34.8%	Listed on May 1997
* From 31/12/1996 to 31/12/2006
Less than 100 companies have +ve return, KLCI -ve return

[ 本帖最后由 ordinaryview 于 11-10-2008 02:45 AM 编辑 ]

titep_shin

原帖由 publicpang 于 29-6-2008 10:40 PM 发表
PBBANK        17.3%    7.44
PPB           12.3%    6.28
GENTING       11.6%    6.26
BKAWAN        12.0%    8.76
TANJONG        8.8%   14.75
IJM           10.1%    5.43
YTL            3.0%    6.6 ...

有高股息的, 有稳定股息的,有成长的,有抗跌的...

不好意思，我新手问问，
这里的成长公司是指哪一间的？
pbbank 吗？

ordinaryview

Oct. 13 (Bloomberg) -- The following is a timeline of events that led to the current global financial crisis.

    March 5, 2007: HSBC Holdings Plc, Europe's biggest bank by market value, says the U.S. subprime market is ``unstable'' and now in a ``downturn,'' making it the main drag on company earnings.

    March 29, 2007: HSBC Chairman Stephen Green says the U.S. subprime mortgage services division will be ``run down significantly'' as the bank tries to recover from loan losses.

    April 2, 2007: New Century Financial Corp., which specialized in loans to people with poor credit, files for bankruptcy protection after being overwhelmed by customer defaults.

    July 17, 2007: Investors in two Bear Stearns Cos. hedge funds that invested in collateralized debt obligations backed by subprime mortgage loans are told there is no value left in the funds, wiping out $1.6 billion originally invested.

    July 19, 2007: Federal Reserve Chairman Ben S. Bernanke tells the U.S. Senate's Banking Committee that there may be as much as $100 billion in losses associated with subprime mortgage products.

    Aug. 9, 2007: BNP Paribas SA, France's biggest bank, halts withdrawals from three investment funds because it can't ``fairly'' value their holdings, as concern over U.S. subprime mortgage losses roils credit markets.

    Aug. 17, 2007: The Fed lowers the interest rate it charges banks and acknowledges for the first time that an extraordinary policy shift is needed to contain the subprime-mortgage collapse.

    Aug. 22, 2007: Countrywide Financial Corp., the biggest U.S. mortgage lender, sells $2 billion of preferred stock to Bank of America Corp., the biggest U.S. bank by market value, to bolster its finances.

    Sept. 7, 2007: The three-month London interbank offered rate, or Libor, the rate banks charge each other for dollars, rises to a seven-year high, signaling efforts by central banks to free up lending are sputtering.

    Sept. 14, 2007: Northern Rock Plc says the Bank of England agreed to provide emergency funds to ease a ``severe liquidity squeeze'' sparked by U.S. subprime mortgage defaults following the first run on a British bank in more than a century.

    Oct. 9, 2007: U.S. stock indexes rally to records for the second time in a month after minutes from the Fed allayed investor concern that the U.S. economy is heading for a recession. The Dow Jones Industrial Average and the Standard & Poor's 500 Index set all-time highs, with the Dow closing at 14,164.53.

    Oct. 30, 2007: Merrill Lynch & Co. ousts Stan O'Neal as chairman and chief executive officer after reporting a $2.24 billion loss, six times bigger than a forecast the firm offered just three weeks earlier.

    Nov. 4, 2007: Citigroup Inc. CEO Charles ``Chuck'' Prince, who took over in 2003, steps down after the largest U.S. bank by assets increased its estimate for mortgage-related writedowns.

ordinaryview

Jan. 11, 2008: Bank of America, the biggest U.S. bank by market value, agrees to buy Countrywide for about $4 billion.

    March 14, 2008: Bear Stearns Cos. gets emergency funding from the U.S. Federal Reserve and JPMorgan Chase & Co. as a run on the bank depletes its cash reserves in three days.

    March 16, 2008: JPMorgan Chase agrees to buy Bear Stearns for 7 percent of its market value in a sale brokered by the Fed and the U.S. Treasury.

    April 1, 2008: Lehman Brothers Holdings Inc., the fourth- largest U.S. securities firm, raises $4 billion from a stock sale to quell speculation it's short of capital.

    April 9, 2008: Washington Mutual Inc. rejected an offer from JPMorgan Chase to buy it for as much as $8 a share, or $7 billion, before announcing it received a $7 billion capital infusion from a group led by TPG Inc., the Wall Street Journal reports, citing people familiar with the situation.

    April 28, 2008: The U.S. Internal Revenue Service starts distributing tax rebates electronically as part of a $168 billion economic stimulus plan.

    May 31, 2008: Bear Stearns ceases to exist as the acquisition by JPMorgan is completed.

    June 20, 2008: The Dow closes below 12,000.

    July 11, 2008: IndyMac Bancorp Inc., the second-biggest independent U.S. mortgage lender, is seized by federal regulators after a run by depositors depleted its cash.

    July 31, 2008: Nationwide Building Society, Britain's fourth-biggest mortgage lender, says U.K. house prices declined the most in almost two decades in July and consumer confidence fell to a record low as the economy edged closer to a recession.

    Aug. 12, 2008: UBS AG, Switzerland's biggest bank, announces plans to separate its investment banking and wealth management units after mounting subprime writedowns prompt rich clients to withdraw funds for the first time in almost eight years.

    Aug. 31, 2008: Commerzbank AG agrees to buy Allianz SE's Dresdner Bank for 9.8 billion euros ($13.3 billion) in Germany's biggest banking takeover in three years.

    Sept. 7, 2008: The U.S. government seizes control of Fannie Mae and Freddie Mac, the largest U.S. mortgage-finance companies.

    Sept. 15, 2008: Lehman Brothers Holdings Inc. files the largest bankruptcy in history, and Bank of America agrees to acquire Merrill Lynch for about $50 billion.

    Sept. 16, 2008: American International Group Inc. accepts an $85 billion loan from the Fed to avert the worst financial collapse in history, and the government takes over the company.

    Sept. 18, 2008: Lloyds TSB Group Plc, the U.K.'s biggest provider of checking accounts, agrees to buy HBOS Plc, Britain's largest mortgage lender, for 10.4 billion pounds ($18.1 billion).

    Sept. 21, 2008: Goldman Sachs Group Inc. and Morgan Stanley receive approval to become commercial banks regulated by the Fed as tight credit markets forced Wall Street's two remaining independent investment banks to widen their sources of funding.

    Sept. 23, 2008: Goldman Sachs says it will raise at least $7.5 billion from Warren Buffett's Berkshire Hathaway Inc. and public investors in a bid to quell concerns that pushed up the Wall Street firm's borrowing costs and hurt its stock.

    Sept. 26, 2008: The U.S. Securities and Exchange Commission ends a program that monitored securities firms' capital after Morgan Stanley and Goldman Sachs, the only companies remaining under its jurisdiction, became banks overseen by the Fed.

    Sept. 26, 2008: The SEC's inspector general releases a report asserting that the agency failed in overseeing Bear Stearns because it knew the firm had ``high leverage'' and was too concentrated in mortgage securities before its forced sale to JPMorgan Chase & Co.

    Sept. 26, 2008: Washington Mutual Inc. is seized by government regulators and its branches and assets sold to JPMorgan Chase in the biggest U.S. bank failure in history.

    Sept. 27, 2008: Washington Mutual files for bankruptcy protection.

    Sept. 28, 2008: Fortis, the largest Belgian financial- services firm, receives an 11.2 billion-euro rescue from Belgium, the Netherlands and Luxembourg after investor confidence in the bank evaporates.

    Sept. 29, 2008: The House of Representatives rejects a $700 billion plan to rescue the U.S. financial system, sending the Dow Jones Industrial Average down 778 points, its biggest point drop ever. Citigroup agrees to acquire the banking operations of Wachovia Corp. for about $2.16 billion after shares of the North Carolina lender collapsed under the weight of overdue mortgages. Bradford & Bingley Plc, the U.K.'s biggest lender to landlords, is seized by the government. The Dow closes below 11,000.

    Sept. 30, 2008: Dexia SA, the world's biggest lender to local governments, gets a 6.4 billion-euro state-backed rescue as a worsening financial crisis forces policy makers across Europe to aid ailing banks. Ireland says it will guarantee its banks' deposits and debts for two years.

    Oct. 1, 2008: The U.S. Senate approves a revised version of the rescue plan that was refashioned to entice enough votes for passage.

    Oct. 3, 2008: The House passes the revised version of the rescue plan. Wells Fargo & Co., the biggest U.S. bank on the West Coast, agrees to buy all of Wachovia for about $15.1 billion, trumping Citigroup's government-assisted offer. U.S. President George W. Bush signs the rescue plan into law.

    Oct. 5, 2008: BNP Paribas SA, France's biggest bank, will take control of Fortis's units in Belgium and Luxembourg after an earlier government rescue failed to ensure the company's stability as the global credit crisis worsened.

    Oct. 6, 2008: The Fed says it will double its auctions of cash to banks to as much as $900 billion and is considering further steps to unfreeze short-term lending markets as the credit crunch deepens. The German government and the country's banks and insurers agreed on a 50 billion euro rescue package for commercial property lender Hypo Real Estate Holding AG after an earlier bailout faltered. The Dow Jones Industrial Average falls below 10,000 for the first time in four years.

    Oct. 9, 2008: Citigroup walks away from its attempt to buy Wachovia, handing victory to Wells Fargo. The Dow Jones falls below 9,000 for the first time in five years and briefly dips below 8,000.

    Oct. 11, 2008: U.S. Treasury Secretary Henry Paulson indicates that pumping government funds into banks is a priority, saying financial markets will remain volatile.

    Oct. 12, 2008: European leaders agree to guarantee bank borrowing and use government money to prevent big lenders from going under, trying to stop the financial hemorrhage and stave off a recession.

    Oct. 13, 2008: The Fed leads an unprecedented push by central banks to flood the financial system with as many dollars as banks want, backing up government efforts to revive confidence and helping to reduce money-market rates.
    Royal Bank of Scotland Group Plc, HBOS Plc, and Lloyds TSB Group Plc get an unprecedented 37 billion-pound bailout from the U.K. government as Germany, France and Spain prepare similar rescues. Germany says it will provide as much as 500 billion euros in loan guarantees and capital to bolster the banking system, the country's biggest government intervention since the Berlin Wall came down in 1989.

ordinaryview

投资公司：    比例：  均价:       投资原因
PBBANK        17.3%    7.99       Div
PPB               14.3%    7.21       Growth - Wilmar Potential
TANJONG      17.8%  13.38       Div
BKAWAN       13.6%    8.58        Div - CPO Potantial - Net Cash
GENTING        9.9%    6.26        Growth - Sgp casino - High risk
YTLPOWR    10.0%    1.79        Div
IJM                  5.7%    5.43        Undecide - Maybe has some potantial
IOICORP        6.1%     2.25        偷鸡 - undecide
Others    5.4%

从7月23日到11月12日, 换一些马和加一些码...
打算长期加码(分期)...

ordinaryview

最近留意到 AXREIT, 很想买...
原因：Net DY > 10%. 可以看作产业投资.

ordinaryview

投资公司：    比例：  均价:      
PBBANK        16.7%    7.99      
PPB                14.9%    7.21      
TANJONG      17.4%  13.38      
BKAWAN       13.8%    8.58        
GENTING          7.5%    6.26        
YTLPOWR     10.3%    1.79        
IOICORP          6.2%     2.25   
IJM                    4.9%     5.43
AXREIT            3.2%     1.26
Others    5.0%
(比例跟12月31日市价调整)

从11月12日到12月31日, 只是买进AXREIT. 原因:股息很高..
２００８是很坏的一年, 组合总计损失21% (跟２００７年低比).  很难过 .
２００９将会是美好的一年. 机会在侍候我.

[ 本帖最后由 ordinaryview 于 2-1-2009 12:30 AM 编辑 ]

美丽新世界

原帖由 ordinaryview 于 2-1-2009 00:27 发表
投资公司：    比例：  均价:      
PBBANK        16.7%    7.99      
PPB                14.9%    7.21      
TANJONG      17.4%  13.38      
BKAWAN       13.8%    8.58        
GENTING           ...

你选的股都很不错
但会不会分散了点，
我的意识是-可以兼顾吗？
我个人而言3-4个股就有点头晕了

ordinaryview

例子１： １００％投资１０只股，获利差不多一样。
例子２： １００％投资２只股，获利也差不多一样。

这样哪个风险高？？
假如一只股有问题，哪个例子风险高？
例子１： 亏损１０％
例子２： 亏损５０％

我认为重点是寻找获利相当的股。

ordinaryview

今天卖出５０％IOICORP的股。
理由：感觉上得太快。应该可以以低价再买进。

ss24

道理在赚钱时也一样。。

其实是看个人风险承担的程度。。。

goodluck88

恭喜，剩下的应该是免费票了。。。

ordinaryview

在2月16日的投资组合
投资公司：    比例：  均价:      
PBBANK        16.1%    7.99      
PPB                14.7%    7.21      
TANJONG      16.8%  13.38      
BKAWAN       14.8%    8.58        
GENTING          6.9%    6.26        
YTLPOWR        9.4%    1.79        
IOICORP           3.1%     2.25      卖了50%
IJM                     6.2%     5.43
AXREIT             7.1%     1.23      增加了一点
Others    4.9%
(比例跟2月16日市价调整)

从1月1日到2月16日, 只是卖了50%IOICORP,换成AXREIT.
如果你注意到，我的主力在 PBBANK, PPB, TANJONG & BKAWAN => 62.4%
二级股: GENTING, YTLPOWR, IOICORP & IJM => 25.6%
后备队: AXREIT => 7.1%

从1月1日到2月16日, 这组合上升 5.4% (股价).  希望今年positive return.

[ 本帖最后由 ordinaryview 于 17-2-2009 01:53 PM 编辑 ]

ordinaryview

在 Others 4.9% 里有 LPI, MAYBULK & MASTEEL.
MAYBULK & MASTEEL 已经卖了50%拿回资本. 二年了.
LPI 计划用股息来回本.

IOICORP 应该在这组里, 可是我还没有决定怎样, 可能有机会要加码。。。

ordinaryview

最近在留意SUNCITY，看到一点价值。。。应该可以 xxxxx
但不是现在

原因：Debts 1500mil, Cash 500mil, Planned REIT 2500mil - 3000mil, 1bil projects...
           现金流 ok. Property Circle.