My Rabbits - Rest in Peace

My Rabbits - Rest in Peace

This morning, 2021 March 21, 6.30am, as usual, I opened the curtain but I found that there were 4-5 dogs were in my car porch while the main gate was opened. Immediately, I searched for my rabbits while opening the door and made noises to repel those uninvited "guests". When I came out from the house, in the car porch, no more those "strangers" but two my bunnies were just laying on the floor. I called their names - Ah Black, Ah Black... She had no response. Ah Bai, Ah Bai... He also had no response. No any heartbeat signals from their body. Their cage appeared to be opened rudely by those unwelcome "strangers". Maybe those strangers were just trying to play with them, maybe. Everywhere was messy. After few minutes observation on the scene, they were still no response. I decided to have their last sleeping place in their favorite garden with their favorite vegetables and playground. Positioning their favorite loving position in the place... 

Now, I decide no more earphone during my rest time. In the night, I appeared to have hear some noises. Since there are plenty of this kind of noises around the living places, and I was quite tired and had no mood to ignite my curiosity... No turning back when time was passed. Just like lots of things that we can avoid by giving them few seconds e.g. ensuring their living place was safe as usual. What I can do is to ensure such controllable things will be prevented as many as I can.

Ah Bai, Ah Black - Rest in Peace. 

Your careless Daddy to continue his life with passion as what you hope so.

Written by: Xaivier Chia

My Stock Market Investment Checklist 2021: Three Aspects to be Analyzed. Risk, Prospect, and Price.

1. Risk of bankruptcy Assessment.

Basically I will ignore those companies that have very unhealthy and unsustainable financial statement -  

   (a) Balance sheet - If the receivable amount is as high as the borrowing amount, and 

   (b) the receivable amount is more than 1.5 quarter revenue, and

   (c) Negative cash flow (in cash flow statement) for several quarters.
 

then the risk of bankruptcy is very high. 

2. Future prospect: Hopeful and hopeless business.

Hopeless business are those revenue is declined due to the reduction of the demands due to:

   (a) New products that is going to replace it (e.g. pendrive / harddisk vs CD/DVD; lighten vs match), 

or

   (b) The change of habits/requirements to fulfill the needs (i.e. online shopping vs offline shopping)

   

Hopeful business are those products are demanded due to the change of habits/demands.

   (a) Hygiene awareness causes more demands on hygiene related products e.g. gloves, masks, PPE.

   (b) Work from Home - new demands on home-based working related furniture.  

3. Pricing: Over-valued or Under-valued.  

Normally it depends on your desired ROI (return of investment), and whether you can grab the opportunity when Mr Market over-reacts with the so-called "news". 

For me, as long as 

    (a) dividend return is predictable and more than fixed deposit, or

    (b) the potential capital gain is more than 20-50% (e.g. PE is only 5). 

Anyway, investment depends on intuitive and previous experiences as well. Thus, these checklist or guidance is a just tool for me to make a more consistent and holistic decision to increase the rate of success. 

That's all for today. More fascinating articles and sharing will be updated in Xaivier Blog. So, you are welcome to subscribe our feed to receive our weekly updates

Written by: Xaivier Chia

P/S: The above sharing is solely based on personal insight and information that believed to be reliable. Your valuable feedback are very welcome.

Good Stock Market strategies for Retail Investors: Long Term investment and Portfolio Investment.

As retail investors, we have two main advantages to implement two sustainable strategies i.e. long term investment and portfolio investment. 

Long term investment 
- Zero maintenance. You don't need to pay any fee for holding shares in long run. If you are having other investment e.g. properties, and investment fund. 
- Free reading materials - Each listed companies need to make announcement in terms of quarter report, annual report, etc. This materials help us to  have a better understand about the current business conditions. 

- Improve our Financial Intelligence - If a good business that is managed by a well trained experienced team is only able to achieve 10% return annually, then we can easily spot the trick or scam when a person claimed that he/she can get 25% monthly.  

Portfolio investment
- Diversify our wealth in different sectors. e.g. banking, entertainment, manufacturing, plantation, utilities in the same time. Unlike other commitment e.g. career and business -  we need to be very focus so that we can excel in the fields. For investment, especially retail investors, we can make better decision if we understand different types of business from investors' perspectives.

p/s: When I was asked about whether I still invest in stock market, my answer is always the same - stock market is just a place that has plenty of opportunities and traps for me to train myself about how is life, and to understand how crazy people are in pursuing unlimited money with their limited life. 

That's all for today. More fascinating articles and sharing will be updated weekly in Xaivier Blog. So, you are welcome to subscribe our feed to receive our weekly updates

Written by: Xaivier Chia

P/S: The above sharing is solely based on personal insight and information that believed to be reliable. Your valuable feedback are very welcome.

Stock Market performance: 9 months after Covid-19

Stock Market is returned back to pre-Covid-19 after around one year of Covid-19. For those who insisted to having company shares via stock market during the beginning of this challenging period is definitely enjoying the fruits now. 

The price of many stocks are raising toward the pre-Covid-19 level - due to the news of vaccine development despite the condition of Covid-19 appears uncontrollable. Thus, to survive in stock market, we must always prepare for the worst case when people are too optimistic. 

If you get a recipe to identify a stock with 99% success rate in earning money, you should not put all money in based on that recipe too. This is because even you earn money for N times, the profits will be destroyed in seconds if you just lost the profit in the N+1 times.   

That's why there are always lots of new "Stock God" come out and disappear in stock market. 

Thus, aiming for steady return is wiser and healthier in the long run, mentally and physically.

As retail investors, we have two main advantages to implement two sustainable strategies i.e. long term investment and portfolio investment. I will share about these in the coming posts.

That's all for today. More fascinating articles and sharing will be updated weekly* in Xaivier Blog. So, you are welcome to subscribe our feed to receive our weekly updates

Written by: Xaivier Chia

P/S: The above sharing is solely based on personal insight and information that believed to be reliable. Your valuable feedback are very welcome.