Thursday, August 07, 2008

無憂理財7堂必修課

感謝蘇偉文教授!

此書塞進櫃子一整年,碰也沒碰。前兩天收拾書櫃,就翻出來讀讀,才發現這是我二十年前就應該讀的書。
他一如平時彬彬有禮,溫文爾雅,教你甚麼是理財目標、如何投資、怎麼買保險,如何計劃退休。我自以為勤力讀了很多理財的書,但似懂非懂,錢用來「幹甚麼」卻從沒個打算。
知道將來想做甚麼,才知道需要多少錢。知道需要多少錢,才知道要怎麼理財。現在年紀不輕,幸好也不老,從頭慢慢學吧。
順帶一提,還記得我的「十萬倉」嗎? 血流成河,我買入、賣出不少股票,都是在股市旺時跟風買的。有一隻A50基金,賠了20%時忍痛出售。港交所買了2手,一手賺10%出售,留一手打算做實驗遲些沽,結果又賠20%(我設定止蝕位是20%)。幸好買了2手恒生,在逆市表現很好,升約15%。還有一手中人壽,微蝕5%,股神畢菲特說好股票跌50%也不怕,所以中人壽打算長期持有。
總結來說,10萬蝕了1萬左右。現在耐性等待,積極儲現金,遲些有極低位再入市。真心疼那1萬元呀!如果買衣服,可以買好幾條漂亮裙子了!

5 comments:

Anonymous said...

好一句「血流成河」,妳已經比我幸運,妳是十萬元投資賠了一萬,約為1%;我用六萬元買基金已賠了萬二,約為2%;即妳賠的雙倍。願賭服輸,我不打算沽貨,準備與這幾隻基金共存亡,只願在我有生之年能見歸本,死而無憾!

Jacky said...

張小姐,蝕 10% 已是很不錯了!! 如果你有留意貴台的財經節目,很多致電股評人問股票的投資者,今年買既股票都蝕左 30%-50% 以上!! 我大膽講,今年入市既,蝕 10% 基乎係最低消費!!! 不用灰心,部份你擁有既股票我都有,並打算長線擁有,我蝕得多過你,但我十分有信心可以賺翻!!!

Anonymous said...

好多謝Jacky如此有信心可以賺回,雖然妳告訴的人是張小姐,但我都感到鼓舞。
我是頂樓的anonymous,我把10%錯成1%,把20%錯寫成2%,特此更正!

Anonymous said...

股市是訓練EQ的好地方!

其實好多人最緊張最睇唔開的都不外是"生死"和"金錢"。當你能做到無論賺錢蝕錢都能保持處之泰然的時候, 你就可說是得道進入另一"化"境了!

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