Investment Myth 投資迷思 Why do you

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Investment Myth 投資迷思

** Why do you make financial plans? • Do you know how much you should earn to support you life? • (Count in NT$10, 000)

• * living expense month x 40 year = 1440 * car * traveling * wedding * housing * children education * retiring life month x 25 = 900 Total $4030 3/month x 12 60 x 5 cars = 300 3 x 20 times = 60 30 500 400 x 2 kids = 800 3/month x 12

• Above example is the basic expenses based on : starting to work at 20, retiring at 60, living up to 85

** Investment: lose or win? • * It is possible to be dangerous (lose) and possible to be safe (profit) * If you follow the rules --> You will be SAFE

** Rules for safe investment • * do not borrow money to invest * do not put all eggs in one basket * do not use you living expense to invest * do not be affected by the investing performance * keep investing and keep your current investment * invest in various ways * accept professional's suggestions * keep long-term holdings

** Strategies for funds • * choose steady fond companies * choose good targets * invest by a regular fixed amount and keep long-term holdings * transfer your investment into other ways at a proper timing properly

** If funds are so good, why do many people lose money?

Myth 1 • Myth 1* Follow people's choice and buy blindly -when people buy crazily, usually it is the highest point of risk.

Myth 2 • Myth 2* Do not really follow the idea of investing by a regular fixed amount. the average times Taiwan people do are only 12 annually

Myth 3 • Myth 3* Listen to the professional's wrong suggestion –always keep long-term holdings of your investment? Without examining them or changing them once a year?

** Investing EQ of common people • EQ 1 ----recognize the flow of the stock—-- • ------ high & low ------

---- EQ 2 Avoid the common errors the investor thinking flow -- • Stage 1 : positive --> excited --> hot --> crazy --> worrying --> denying to admit (so satisfied) highest risk (temperately dropping and I am a long-term investor)

• Stage 2 --> afraid --> depressed --> panic --> surrender (maybe I should stay in the market) • Stage 3 --> upset --> low mood -> hope -> released -> positive lowest risk

EQ 3** “Time” is the strongest power to decrease the risk • . Observing the stock index from 1967 to 2001, we can find that the risk of holding the stock for longer years than for short years decreased more obviously.

EQ 4** Choose the proper investing methods • * To mid-term and long-term investments, it is profitable in stock market. However, there are three difficulties to people -- no professional knowledge, no time and no money. • * Funds can solve them all and is a proper way to grow money.

EQ 5* How do you decrease the risk? • * Why do you need asset management? According to the winner of Nobel Mr. William Sharp, a successful investment comes from : 85% asset management, 10% wisdom of choosing the right stock and 5% God's bless

EQ 6** The earlier you start to invest, the better. • Based on the 10% return, if you start to save 10, 000 per month from the age of 25 and you will have a saving of 33, 370, 000 when 65 years old. However, if you start at 35, you will have only 19, 740, 000. 10 years make a huge difference.

Goodbye •

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