Most important, I believe you need to be a good writer - Mark Sellers

Here is the article.

Look at Buffett; he's one of the best writers ever in the business world. It's not a coincidence that he's also one of the best investors of all time. If you can't write clearly, it is my opinion that you don't think very clearly. And if you don't think clearly, you're in trouble. There are a lot of people who have genius IQs who can't think clearly, though they can figure out bond or option pricing in their heads.

In business school, I met a lot of people who were incredibly smart. But those who were majoring in finance couldn't write worth a damn and had a hard time coming up with inventive ways to look at a problem. I was a little shocked at this.

I later learned that some really smart people have only one side of their brains working, and that is enough to do very well in the world but not enough to be an entrepreneurial investor who thinks differently from the masses.

On the other hand, if the right side of your brain is dominant, you probably loathe math and therefore you don't often find these people in the world of finance to begin with. So finance people tend to be very left-brain oriented and I think that's a problem. I believe a great investor needs to have both sides turned on.

As an investor, you need to perform calculations and have a logical investment thesis. This is your left brain working.

But you also need to be able to do things such as judging a management team from subtle cues they give off. You need to be able to step back and take a big picture view of certain situations rather than analyzing them to death. You need to have a sense of humor and humility and common sense. And most important, I believe you need to be a good writer.

Kelly criterion

Here is the wiki article. I like to spend 10 to 15 minutes to study the concept.

For an even money bet, the Kelly criterion computes the wager size percentage by multiplying the percent chance to win by two, then subtracting one. So, for a bet with a 70% chance to win (or .7 probability), doubling .7 equals 1.4, from which you subtract 1, leaving .4 as your optimal wager size—40% of available funds.

Seven traits of a great investor - Mark Seller

January 19, 2020

Introduction

It is so challenge to learn something in weekends about investment. I came cross this article and like to take notes here.

Seven traits

An MBA is the best way to learn how to exactly, precisely, equal the market return

January 19, 2020

Introduction

It is a good idea to look into Harvard business school and what graduate learns from the school.

股票投資理念研究之：在思維模式上，富人和窮人最大的不同是什麼？

Here is the link.

為什麼窮人很難實現財務自由（財富自由）？ 資本主義這個遊戲的規則是什麼？ 為什麼很多人做投資都會急功近利？ 股神巴菲特說的賺錢秘訣到底是什麼？ 這個視頻主要是介紹一些自己個人對這些問題的看法，希望對各位的股票投資（美股，港股和A股等）有一些幫助。


Delay gratification. Look for long term return.

穷人因为资金有限、知识和技能有限、人际关系极其有限，能接触的人也是相近层次，才会作出短视的行为，例如，买彩票、赌马、买仙股等等，因果关系是：因为家穷不能好好读书然后只能做低价劳动力，收入极其有限才有短视行为。

Active income and passive income. How to make passive income?

美股投資研究之： 一個股票如果已經漲了幾十倍，那就一定很貴么？還可以買么？

Here is the link.

本視頻主要介紹了一些常用的給股票估值（美股，港股，A股都適用）的方法： 1. PE（市盈率，本益比） 從4分24秒開始 2. 股圣彼得林奇最愛用的PEG 從9分47秒開始 3. PB（市淨率） 從12分14秒開始 4. 股神巴菲特最愛的ROE（淨資產收益率） 從14分48秒開始 5. PS（市銷率） 從19分15秒開始

Hedge Fund Manager Mark Sellers on Becoming a Great Investor

Here is the article.

On the bright side, although most of you will not be able to compound money at 20% for your entire career, a lot of you will turn out to be good, above average investors because you are a skewed sample, the Harvard MBAs. A person can learn to be an above-average investor. You can learn to do well enough, if you're smart and hardworking and educated, to keep a good, high-paying job in the investment business for your entire career.

You can make millions without being a great investor. You can learn to outperform the averages by a couple points a year through hard work and an above average IQ and a lot of study. So there is no reason to be discouraged by what I'm saying today. You can have a really successful, lucrative career even if you're not the next Warren Buffett (Trades, Portfolio).

美股研究之：到底什么样的人才能成为股市里的大赢家

Here is the link.

視頻內容：对冲基金Sellers Capital的创始人马克 · 赛勒尔在哈佛大学做了一场著名的演讲，题目是：你不能成为伟大投资者的七个命门。 希望這個視頻對各位的股票投資（美股和港股）有一些幫助。

Vanguard vs Best Investing Apps (M1, Betterment & Acorns) | See Our Results With Real Investments

Here is the link.

Kevin Naughton Jr. - youtube channel

Here is the link.

美股投資，我是如何用一年時間把2萬美金變成20萬美金的？

Here is the link.

创业红娘刘玉2020 01 18 19 11 26

Here is the link.

要荷包满， 先要脑袋满。 华大大学一年级学生名言。

The art of readable code - book review

January 19, 2020

Introduction

It is so hard for me to find my writing back in 2014. I did not write so often and I am lucky to find my writing on my Linkedin.com.

The book recommendation

The following is written by me back in 2014.

Code review, rewrite

Jul 2014

Project description

Two month fan of the book - The art of readable code, from August - Oct. 2014; and then, started to practice code review, change the code to make it readable. Big fan of DRY (Do not repeat yourself) principle, do one thing a time, break giant expression, using explaining variable or summary variable, and abstract the thing to a function, extract a subproblem to a function. Training with great mind, like tennis sport, is a good practice. The book is coach's book with guidelines. Follow closely, in this 2014.
http://shop.oreilly.com/product/9780596802301.do

33956 ESSENDENE AVENUE, Abbotsford, British Columbia V2S2H8

asking price: 

$209,900 CAD

Property Type

 

Condo

MLS® Number

 

R2420420

Year Built

 

1979

Date Added

 

19 November 2019

Stories

 

1

Basement

 

None

Neighborhood

 

Old Abbotsford

Postal Code

 

V2S2H8

Description for 33956 ESSENDENE AVENUE

Investors or first time buyers alert ! Abbotsford's best investment complex. This huge one bedroom currently rents for $1050 per month. Fully renovated top to bottom. Benjamin Moore paint, countertops, light fixtures, and flooring. North facing unit so it is cool and quiet. Large deck to enjoy. Quiet, dead end road. Well managed building. Secured underground parking. * PREC - Personal Real Estate Corporation (id:1937)

Top 10 most common financial mistakes

Here is the article.

1. Excessive/ Frivolous spending
2. Never-ending payments
3. Living on borrowed money
4. Buying a new car
5. Spending too much on your house
6. Using home equity like a piggy bank
7. Living paycheck to paycheck
8. Not investing 
9. Paying off debt with savings
10. Not having a plan

Case study: reverse a linked list, and then reverse a linked list in group

January 18, 2020

Introduction

It is my 9:00 AM mock interview as an interviewee. I like to write a case study how to work on the algorithm called reverse a linked list.

Case study

I wrote the first algorithm reverse a linked list using recursive function, and also explained the idea how to solve it using iterative way.


Next I worked on the algorithm called reverse a linked list in group K.

Interviewer's feedback

Interviewee's feedback

I wrote the feedback in the following.

I also made sure that I gave some feedback to interviewer as well.

Above top 50%

Second interview to advance to next round

25. Reverse Nodes in k-Group

January 18, 2020

Introduction

I had a mock interview as an interviewee this morning 9:00 AM on Jan. 18, 2020, I was asked to solve the algorithm to reverse a linked list first, I solved using recursive solution, and shared the idea how to solve iterative way; next I was asked to work on reverse a linked list in group.

Case study

I like to work on a test case 1->2->3->4, k = 2, so that I have to work on the algorithm to reverse a linked list, and also I have to make sure that first group 1->2's first node will be connected to next group 3->4's last node which should be the head of reversed linked list.

How to work on it efficiently? I will add more detail later.

C# My first practice in August 2015

Here is the link. 

Jan. 18, 2020

I had a mock interview as an interviewee this morning, I was asked to solve the algorithm to reverse a linked list first, I solved using recursive solution, and shared the idea how to solve iterative way; next I was asked to work on reverse a linked list in group.

Case study

I like to work on a test case 1->2->3->4, k = 2, so that I have to work on the algorithm to reverse a linked list, and also I have to make sure that first group 1->2's first node will be connected to next group 3->4's last node which should be the head of reversed linked list.

How to work on it efficiently? I will add more detail later.

My practice in August 2015

I found the solution I wrote in August 2015.

/**
 * Definition for singly-linked list.
 * public class ListNode {
 *     public int val;
 *     public ListNode next;
 *     public ListNode(int x) { val = x; }
 * }
 */
public class Solution {
    public ListNode ReverseKGroup(ListNode head, int k) {
        if (head == null)
            {
                return null;
            }

            ListNode dummy = new ListNode(0);
            dummy.next = head;
            int count = 0;
            ListNode pre = dummy;
            ListNode cur = head;
            while (cur != null)
            {
                count++;
                ListNode next = cur.next;
                if (count == k)
                {
                    pre = reverse(pre, next);
                    count = 0;
                }
                cur = next;
            }
            return dummy.next;
        }

        private  ListNode reverse(ListNode pre, ListNode end)
        {
            if (pre == null || pre.next == null)
                return pre;

            ListNode head = pre.next;
            ListNode cur = pre.next.next;
            while (cur != end)
            {
                ListNode next = cur.next;
                cur.next = pre.next;
                pre.next = cur;
                cur = next;
            }

            head.next = end;
            return head;
        }  
}

2020 - Google, Facebook, Amazon, Alphabet, Apple market value

January 17, 2020

Introduction

Here is the article. 

2020年1月16日，在美股收盘后，Google母公司Alphabet（GOOG.US)股价报收在1451.70美元，比前一天增长了0.87%;由此，Alphabet市值突破万亿美元的大关，达到10012亿美元——凭借这一成绩，Alphabet成功进入“万亿美元市值俱乐部”，成为继苹果(AAPL.US)、微软(MSFT.US) 和 亚马逊(AMZN.US)之后，第4家实现万亿美元市值的美国科技公司。

苹果16日收盘时的市值为1.38万亿，微软是1.29万亿，Google是1万亿、亚马逊是9310亿(去年曾经破万亿)、以及脸书6324亿，五大科技公司的市值合共为5.2万亿，数字惊人，占史坦普500家公司总市值的17%；在5.2万亿之中，3.5万亿都是过去五年所增加的。

五大公司中，过去一年，苹果的股价升幅最大，达103%，微软和脸书的升幅也超过50%，Google则升33%，反映出五大科技公司一直是投资者的最爱。

民主党总统候选人桑德斯和华伦都说，五大公司太巨大，不但垄断，而且操纵人们的生活，因此有必要分拆。但投资者对此并不关心，继续买入五大公司的股票，使它们继续膨胀。

联邦司法部、国会和多个州政府，还有欧盟都要调查五大公司，不满它们处理用户个人资料的方法，但是投资者继续以它们作为投资对象，使五大公司愈来愈大。

以Google来说，加州政府正调查它的搜索引擎和安卓操作系统，因为州政府的律师认为，Google搜索引擎垄断了市场，而手机和电脑使用的安卓系统则附带Google的多项应用程式；Google在这两方面的优势是其他小型科技公司难以竞争的。

Actionable Items

但投资者对此并不关心，继续买入五大公司的股票，使它们继续膨胀。

I like to think about the above statement, why investors do not care about negatives, and choose to invest those big companies. 

Apple >103%
Facebook, Microsoft  >50%
Google > 33%
Amazon  Jan. 4, 2019    $1575,
               Dec. 27, 2019 $1868

Key largo portfolio first rebalance

Jan. 17, 2020

Introduction

It is time for me to practice what I learn. I like to work on my first rebalance next week. I also copy some verses from bible to encourage myself to work hard and think carefully about my decision.

First rebalance

19 懒惰人的道像荆棘的篱笆，正直人的路是平坦的大道。 20 智慧子使父亲喜乐，愚昧人藐视母亲。 21 无知的人以愚妄为乐，聪明的人按正直而行。 22 不先商议，所谋无效；谋士众多，所谋乃成。 23 口善应对，自觉喜乐；话合其时，何等美好。

I like to sell the market change, and then purchase bond.

Follow up 

January 21, 2020 

12:22 AM

Victoria portfolio first rebalance

Jan. 17, 2020

Introduction

It is time for me to practice what I learn. I like to work on my first rebalance next week. I also copy some verses from bible to encourage myself to work hard and think carefully about my decision.

First rebalance

19 懒惰人的道像荆棘的篱笆，正直人的路是平坦的大道。 20 智慧子使父亲喜乐，愚昧人藐视母亲。 21 无知的人以愚妄为乐，聪明的人按正直而行。 22 不先商议，所谋无效；谋士众多，所谋乃成。 23 口善应对，自觉喜乐；话合其时，何等美好。

Follow up 

11:31 PM January 20, 2020

• S & P 500 Index

$10,812.20

January 20, 2020
Base price 67.34,
Price $77.23,
Units 140
Cost 9427.00
+1384.68  (+14.69%)

June 1, 2019 - purchase date

Plan to sell 18 share, price $77.23, January 21, 2020
$1390.14 = 18 * $77.23

VFV.TO

• FTSE

$11,001

Base price: 34.43

Price: 36.67

Units: 300

Cost: 10,329.00 

Profit: 672.00 (6.51%)

Plan to sell 18 share, price 36.67, January 21, 2020

$660.06 = 18 * 36.67

VDU.TO

• Balanced ETF

$5416.00

Price 27.08

Base praice 25.44

Units 200

Cost 5088.00 

Profit: 328.00 (6.45%)

Plan to sell 12 share,   12 * 27.08 = 324.96
VBAL

Orders to sell

REST API concepts and examples

Here is the link.

REST Web Services 01 - Introduction

Here is the link. The owner of Java Brains is a staff engineer working for Linkedin.com. Here is the profile.

Recession-proof health care ETFs to buy:

Here is the article.

• Health Care Select Sector SPDR Fund (XLV)
• Vanguard Health care ETF (VHT)
• iShares Global Health care ETF (IXJ)
• Invesco Dynamic Pharmaceuticals ETF (PJP)
• iShares Nasdaq Biotechnology ETF (IBB)
• SPDR S&P Health Care Equipment ETF (XHE)
• iShares U.S. Health care Providers ETF (IHF)
• Global X Longevity Thematic ETF (LNGR)
• Invesco S&P 500 Equal Weight Health Care ETF (RYH)

Book chapter: Track Your Progress and Rebalance When Necessary

January 16, 2020

Introduction

I plan to read the book chapter from the book "The boglehead guide to investing".

Revert to the mean (RTM)

Rebalancing may also improve your returns, since asset classes have had a tendency to revert to the mean (RTM) over time. By rebalancing, you’re selling a portion of your winning asset classes before they revert to the mean (drop in price) and you’re buying more of your underperforming asset classes when their prices are lower, before they revert to the mean (increase in value). So, you’re selling high and buying low. If you believe in RTM, rebalancing could increase your returns. Jack Bogle believes in RTM, and we do, too.

Building Apps with jQuery and JAX-RS – Sample App

Here is the article.

Everything about REST web services - what and how - Part 2 - design

Here is the article.

Everything About REST Web Services - What and How - Part 1

January 16, 2020

Introduction

I like to learn restful web service continuously in January 2020. I spent over 30 minutes to read the article.

My retirement life will be super challenging

January 15, 2020

Introduction

It is my personal finance research. I like to write a blog called "My retirement life will be super challenging".

My 401 K and IRA / Risk management

I just had 53 year old birthday in Oct. 2019. I also learned that I had economics behavior problems. I did not spend time to learn how to invest from 1996 to 2018 December, so I left my USA 401 K and IRA accounts no change from 2010 April to 2019 April, capital preservation for Par tech 401 K and IRA CD in Amtrust bank. I will definitely take the consequence, and I will definitely have very challenging life after I retire in Canada.

I was smart to invest my own 401 K for three jobs as a software engineer from 1999 to 2001, Online gaming system, Trendium inc, and then from 2006 to 2007 Par tech inc. I invested IRA one year in 2005 as well. So I invested over $22,000 US dollars.

If I did not close all my funds and then put into IRA CD from 2006 to 2009, my retirement fund will grow with US S & P 500 Index, those over 10 years will create more than three times more market change, over $66,000 US dollars. I just could not believe that my huge mistake and I have common mistakes called recency bias, and paralysis by analysis.

But I got lost in my busy life to learn how to handle my money properly. I did not spend time to learn until I felt depressed in November 2018. Since I could not solve my own housing problem in Canada, I only could save a down payment less than 20% after I worked 10 years full time.

I have to figure out how to catch up, and push myself to learn as a self-learner.

Actionable Item

I learned from MIT open course Andrew Lo, finance introduction, time and risk management are two things to make finance really hard. I messed up two things, one is 20 years time, one is risk management from 1999 to 2019. What should I do next?

I have $9000 Canadian dollar RRSP, and less than $30,000 US dollar IRA and 401 K. I had 53 years old birthday in Oct. 2019. How can I make a living to use those small amount retirement fund?

Make sure that I will work on something meaningful, help myself and also share my struggle and hard work journey as well. I may need to work on research about social service, social housing, and gain more skills like living in rural area and small cities.

Coldest day in last 10 years in Vancouver

January 15, 2020

Introduction

It is toughest day to go to work and go home as well. I like to write a blog to document my experience.

Go to work 

It was the coldest day on January 14, 2020. I went to skytrain and waited over 14 minutes to catch a train to China town station from Main street station.

So this morning I saw a heavy snow outside my window, so I called the office around 8:00 AM and then I said that I will be in the office around 11:00 AM. I need to avoid rush hour.

I did go out at 10:00 AM, and then the train was not so busy but I saw the severe weather warning. The city suggested us to stay at home instead.

Go back to home

I thought about the warning giving out by the city. I did some research and by my experience, I decided to leave office early at 4:00 PM.

I saw bus driver could not control the stop and stopped the bus further 10 meters. I saw the danger sign from bus drivers taking risk to drive.

I waited the skytrain over 10 minutes, but the train was full. So I decided to take bus and then walked to home.

How to escape the emotional traps?

January 15, 2020

Introduction

It is my personal finance research. I have to read a book in order to continue to learn how to invest, and it is important for me to learn by reading, not just watching youtube.com video, reading articles.

How to escape the emotional traps? 

This is the question with the answers in the book called Boglehead guide to investment.

1. Recency bias
2. Overconfidence
3. Loss aversion
4. Paralysis by analysis
5. The endowment effect
6. Mental accounting
7. Anchoring
8. Financial negligence

Be a risk manager instead of a risk avoider. Believing you are avoiding risk can be a costly illusion. 

Case study: My investment Casino account - $1000 dollars

January 15, 2020

Introduction

I like to find an individual stock and then invest on the stock. I like to work on a short research how to work on my casino account on my Questrade.com.

Case study

I went to Facebook tech event in 2015 in the city of Vancouver. I learned so much from Facebook tech events. I should have invested on Facebook stock in 2015.

I should have invested on Amazon stock from 2016.

Book chapter: Mastering your investments means mastering your emotions

January 15, 2020

Introduction

It is important for me to read a book chapter today. I like to read the book called "The boglehead guide to investing". I believe that I should invest time to read a few investment books, and then learn the basics of investment first.

Book chapter reading

I like to check your emotions at the door. Here are common mistakes.

1. Playing your hunches
2. Blindly following the crowd or an investment guru
3. Trying too hard
4. Acting on a hot tip
5. Relying on supreme self-confidence
6. Going for it to make a quick killing
7. Playing it ultra-safe
8. A multitude of other emotionally based on investment decisions

Behavioral economics

Common mistakes

1. Buy emotionally and justify with logic 

Late 1960s, Amos Tversky and Daniel Kahneman 

Judgemental heuristics 

Greed and fear

Thanks to greed, investor excitedly chase performance and buy when the market is up. Thanks to fear, they panic and sell when the market is down and lock in their losses. 

It is hard to make a profit when you buy high and sell low. 

1. Recency bias - 
2. Ego and overconfidence
3. Loss aversion
4. Paralysis by analysis
5. The endowment effect
6. Following the herd
7. Mental accounting
8. Anchoring
9. Financial negligence
10. Keeping emotions in check
11. 
    

Over confidence

Case study, 1994, a hedge fund called Long Term Capital Management (LTCM), two noble prize-winning economists

Over confidence Common mistakes

1. Pick stocks
2. Time the market
3. Know more about what's going to happen in the economy than other people do

Loss aversion

Common mistakes

1. Do you check your portfolio every day?
2. Do you sell a stock or mutual fund when it earn a healthy return to lock in the profit?
3. Do you sell stocks/mutual funds whenever you see them going down?
4. Are you a young person who keeps most of your savings in bonds or safe, ultraconservative investments?

Consider the taxes due on the interest earned and inflation, there is no safe as those who are loss averse believe it to be. 

Paralysis by analysis

As a result, some people don't make a choice and don't invest. The investment trap called "Paralysis by analysis" is the first cousin to loss aversion.

How to intelligently manage risk

1. Pay off your credit card and high interest debts and stay out of debt
2. Formulate a simple, sound asset allocation plan and stick to it
3. Systematically save and invest a part of each paycheck in accordance with the asset allocation plan
4. Invest most or all of your money in index funds
5. Keep your costs of investing and taxes low
6. Don't try to time the market
7. Tune out the noise
8. Rebalance your portfolio when necessary and stick with your plan

You will buy low, sell high and have the power of compounding working in your favor. 

A smart investor

I like to learn the basics of investment, so I like to count how many hours I spend to read the investment books.

In January 2019, I came back to stock market and now after 12 months I have over 5000 unrealized gain on my less than $100,000 portfolios.

Case study: 2000 China house price

January 15, 2020

Introduction

I was so ashamed of myself to waste all my net income from 1999 to 2001 and burned $40,000 US dollars credit card expense on citi credit card, I did case study in 2019, whereas in China back from 1999 to 2001 with house price $1000 Chinese yuan/ square foot. 

Case study

I like to look into the facts, and I like to push myself to be frugal, and work hard to make a living as a 53 years old. 


三周前，在北京举行的2020中国经济形势解析高层报告会上，重庆市前市长黄奇帆表示，以2000年的房子价格计算，全国平均的房价是每平方米一千元左右，现在差不多一万元，全国的房子均价涨了十倍左右。他说，从2000年到2017年，全世界房地产的增长规模以这么快的速度，从一亿平方米涨到十七亿平方米，全世界近一百年历史上绝无仅有。

Ilana Weinstein Likens Hedge Fund Industry to a Socialist Regime

Here is the link. 11,000 hedge funds, ...

Ilana Weinstein, I like to google her, here is the article I like to read.

中級滑雪第2課 : 小回轉 (Basic Short Turns)

Here is the link.

20191106 理財生活通-2 來賓：晨星基金 曾淑雲

Here is the link.

【名人理財】理財生活教母夏韻芬 買基金3不原則賺千萬

Here is the article.

基金操作「3不原則」，分別是：定時不定額、停利不停損，及以不變應萬變。


I like the idea to 將「定時定額」升級為「定時不定額」

大跌加碼　壓低投資成本

先看「定時不定額」。相較個股，由經理人選股操盤的共同基金最大優勢，在能藉由投資標的分散、時間分散，達到獲利細水長流目的，而利用每次投入攤平成本的定時定額，是最基本策略。但時間一久，累積金額愈大，新投入資金在「平均成本」效果上愈不明顯。「所以要真正做到攤平成本，就一定要記得在大跌時加碼，否則定時定額到最後，就是一包較大的單筆投資。」

將「定時定額」升級為「定時不定額」，夏韻芬的做法是，透過市場漲多少扣、跌多多扣的靈活操作方式，盡可能壓低投資成本；「新手投資人若想這樣做，可以設定一個報酬率，當作加減碼基準線。」


只有2種情況，她才會賣出基金，一是要用錢，另一是趨勢改變，「我不會在帳上虧損時，為了止血而賣基金，因為過去經驗證實，那反而是好買點！」

選0050不如選它！這5檔基金賺到2020年 ft.基金教母林奇芬｜下班經濟學#54

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中美貿易沒有止戰跡象，面對善變的川普，整個市場千變萬化！這時該如何挑選安全的基金呢？又該如何避開風險，賣在最佳的時機點呢？快跟著哲青來跟理財教母林奇芬學習吧！ 00:35 理財項目太多昏頭轉向?投資基金才能一身輕? 03:21 2019基金完全指南!從國際局勢找出安全投資! 06:09 中美貿易戰白熱化!姐選擇的目標卻出乎意料? 08:19 股票型基金百百款!三步驟評斷基金一次看透! 12:57 台股破萬點想進場?專家居然根本不看時機點? 14:31 簡單列出三個出場眉角!讓你通通邁在甜蜜點! 17:19 五檔基金就囊括市場趨勢?快來學學姐的配置! 20:36 面對配息基金迷思 專家:完全錯誤的投資觀念! 22:21 超夯南非幣基金!12%報酬率卻讓你越買越窮?

Recession 101: Part 3 of 5

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Top 3 ETFs for 2020

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Case study: 2020 emergency fund - Schwab US Dividend Equity ETF (SCHD)

January 14, 2020

Introduction

It is challenge for me to work on my emergency fund in 2020. I like to think about ETF called SCHD.

Case study

I like to generate some case flow so that every month I will have some dividend income.

Charles Schwab offers another significant lower cost ETF for family investment. This is among the best American dividend ETFs to explore. If you are keen on turning your portfolio into cash flow, the fund on large companies brings a stable dividend. Retirees seek to earn income from a portfolio without selling often use dividend stock as the main issue.

This means the ETF is passively managed to track the Dow Jones U.S dividend 100 indexes. It charges a very competitive 0.07% expense ratio.

SCHD Fund Highlights

1. A straightforward, low-cost fund offering potential tax-efficiency 

2. The Fund’s focused approach can complement a diversified portfolio 

3. Tracks an index focused on the quality and sustainability of dividends 

Top 7 Canadian ETFs You Should Own In 2020

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Case study: 2020 emergency fund - Vanguard Consumer Discretionary ETF (VCR)

January 14, 2020

Introduction

I like to set up some emergency fund in my TFSA account, so that I can withdraw the fund in emergency situation. What should I purchase? I come cross the article and the suggestion is to purchase Vanguard consumer discretionary ETF.

Case study

I like to set up the dollar amount, how much should I allocate to emergency fund? Is it safe to purchase if the recession hits in 2020?

Where to Invest $10,000 Right Now

January 14, 2020

Introduction

I am searching the idea where to put emergency fund? I come cross this article called "where to invest $10,000 right now".

Five investment experts

Here is the article.

The question on many investor’s minds is simple: Is it time to take some money off the table?

The rational answer is that trying to time the market has proven to be a fool’s game. That said, with the U.S. stock market nearly tripling in value over the past decade, and up more than 30% in just the past year, investors may want to ensure they have enough liquid assets so that they won’t need to sell into any downdraft—and can sleep at night.

I am thinking about this ETF: SHY, 1-3 year treasury bond ETF

How to play it with ETFs: For a good short-dated Treasury ETF for parking cash, while eking out a little yield, Balchunas picks the $17.5 billion iShares 1-3 year Treasury Bond ETF (SHY). It yields 2.1% and has a 0.15% fee. For those looking for an inflation-protected version of SHY, there’s the Vanguard Short-Term Inflation-Protected Securities ETF (VTIP), which has $7.3 billion in assets and charges 0.06%.