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2020年的投资感言
- March 1, 2020
- Posted by: Choon Hong Wong
- Category: Financial Planning, Investment
No Comments2020股市正处于高度动荡的时期,内忧有政治风险、外优有新冠肺炎 让我们看看在投资者如果在过去三年忍受不了市场波动,而把投资资金从资本市场撤离,将会错失什么。以下只针对资产类别做分析: 2017 基本上没什么国际大事件,各类资产大丰收,当中以亚太区绩效最为亮眼。 – 亚太基金回酬20-28% – 亚太房产基金回酬 13-16% – 马来西亚小盘股基金回酬 20 – 25% – 债券基金回酬 5% – 债券基金回酬 5% – 美国基金回酬 7% 2018 马来西亚大选年 & 中美贸易战开打 – 大部分基金回吐了部分2017年的赚幅,回调 1-19% – 债券基金回酬 6% 2019 中美贸易战升温 + 英国强脱欧。各类资产经过2018的大幅度的跌幅后强烈反弹,当中以中国和美国基金回酬最为亮眼 – 债券回酬8-10%, – 房产信托基金回酬 15-17% – 中国A股基金回酬52.5% – 债券基金回酬 11% – 马来西亚小盘股基金回酬 13 – 18%
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Capitalize on the Opportunities in Asia Pacific
- June 19, 2019
- Posted by: Choon Hong Wong
- Category: Investment
55% of Megacities are in Asia Pacific Source: United Nation – The World’s Cities in 2018 Facts about Asia Contributes 1/3 to the world’s gross domestic product (GDP).1 60% of the world’s population lives in this region.2 58% of global millennials are in this region.3 55% of the world’s megacities are located here.4 54%
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国行降息,你一定要知道的事。来看这3大重点!
- May 13, 2019
- Posted by: Choon Hong Wong
- Category: Economics, Financial Planning, Investment
国家银行在2019年5月7日宣布调降隔夜官方利息(Overnight policy rate, 简称OPR)。上一次的降息是在2016年7月。续印度后,马来西亚是第二个降息的亚州国家。 降息很大可能就是因为通货紧缩!(另外,我猜是要帮很多泄销的房地产清货 ) *通货紧缩:简称为通缩,意为货币流通数量减少,也可指整体物价水平持续下降的现象,与通货膨胀相反。一般认为,通膨率低于零(负通货膨胀率)时会发生通缩,它反而会使货币的实际购买力上升,因同样数量的货币可以使消费者购买更多的商品。惟通缩却对经济成长不利,严重可能会造成危机,因为消费者较倾向于储蓄而非投资或消费,从而导至物价下跌。 大马统计局的数据显示,2019年1月和2月连续萎缩。这也是自2009年11月以来,消费者价格指数(CPI) 首次出现萎缩。1月CPI按年通缩0.7%,2月CPI按年萎缩0.4%。除了吉隆坡和檳城CPI分別在2月按年成长0.3%和0.2%以外,所有州属的CPI都按年下滑0.2%至1.4%之间。 财政部长发表文告表示通缩对人民有利,可以让物价变低东西变便宜,不过在马来西亚你有感觉到物价变低吗?有啦, 现在外国人来马来西亚购物,这里的东西对他们来说真的是变便宜了。(因为降息会引起资金流出,导致马币贬值) 降息早有预警 如果有观察指数的朋友,KL Finance Index (KLFI) 在今年的2月开始已经下滑(很大机会还会继续下滑)。这意味着有部分投资者已经预料国行将会降息! 另外,习惯做定期存款的朋友也应该发现到,今年开始你要去更新或做定存,银行不会让你做超过一年的定期存款。 1)降息后,存款和贷款的利息真的会降低? OPR削减对贷款增长的影响微乎其微,特别是对于今年提高基准利率(Base rate)的银行而言。在以上8间本地银行,其中4间(BIMB, CIMB, Hong Leong, RHB)已经在年头提高了0.1% Base Rate,所以现在降息0.25%,其实对这4间银行的贷款者并没有什么太大的影响。 定期存款方面,预计存款利息跟之前比将会降低0.2至0.3%。你还把钱存在银行做什么? 打算换车或置产的朋友,现在是个好时机。 2)可以投资银行股吗? 银行股从高峰跌了差不多10到30%。 近期政策利率(OPR)近期下调后,短期内银行的盈利能力将受到负面影响,浮动利率贷款(floating rate loans)较高的银行受影响最大。 如果想要投资银行股,可以选择高Net Interest Margins (NIM)的银行。Net Interest Margins (NIM)就是从贷款者的利息收入和付给存款者的利息支出的差别。 Net interest margins = Interest
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i-Saraan
- April 19, 2019
- Posted by: Choon Hong Wong
- Category: Financial Planning, Investment, Retirement
i-Saraan, previously known as the 1Malaysia Retirement Savings Scheme (SP1M) was introduced in 2010. This is a government initiative to ensure that those who are self-employed and those without a fixed income to achieve a certain level of savings upon reaching the retirement age. The purpose is to encourage those who are self-employed and do not
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Global Asset Class Performance (As at 21st December 2018)
- December 25, 2018
- Posted by: Choon Hong Wong
- Category: Investment
Probably 2018 is the year where conservative investors could proudly say “Cash is King! Cash is King! Cash is King!” (with annual 1.8% return) Key points Almost every single asset class (stocks around the globe, government & corporate bonds, commodities) have posted negative returns or unchanged performance year to date. Basically investors have no place
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每月有闲钱想投资,该怎样?
- February 26, 2018
- Posted by: Choon Hong Wong
- Category: Financial Planning, Investment
这是本人今天在星洲日报的文章,解答读者一些关于理财与投资的问题,以及还没开始投资前需要注意的事项。 欲阅读,可点击以下链接: http://www.sinchew.com.my/node/1731051/每月盈餘1400%E2%80%A7想投資銀行股定存股 -
US stock market crash, do retail investors need to escape quickly?
- February 10, 2018
- Posted by: Choon Hong Wong
- Category: Investment
The Dow Jones Industrial Average (DJIA) and Standard & Poor’s 500 Index (SPX) both fell into correction territory on Thursday, meaning they are down 10% from a recent peak. This recent turbulence in the U.S. stock market has led investors searching for a strategy to navigate the volatility and protect their capital. Let’s explain the possibility of this
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Money Market Funds – Short Term Parking Place for your cash
- November 25, 2017
- Posted by: Choon Hong Wong
- Category: Financial Tools, Investment
Money Market Funds -Short Term Parking Place for your cash- Money markets funds have been a literal explosion among small businesses and big corporation in recent years. However, it is not common among retail investor as agent / consultant does not get any commission for promoting this liquid investment tool. The concept of a money