05.2024 Hot Topic
"Far Easterner Lecture": My Investment Economics and Finance
Far Eastern Magazine / Editorial Room
In the era of high inflation, are you also struggling with how to prevent wealth from shrinking? Come and take a look at the amazing investment strategies of financial experts at home and abroad!
[1]
In complex financial markets, rationality and calmness are the key to successful investment. I choose to use Far Eastern International Bank's investment and wealth management website, which not only provides rich information but also is very convenient to operate, making my investments smoother. I usually invest 50% of my movable funds in high-quality funds with stable performance, and the remaining 50% in Taiwan and the US stock markets, while closely monitoring the report data of Form 13F and adjusting my investment portfolio accordingly. So far, the investment performance has been stable, with an annualized return of over 20%. In the future, we will continue to calmly face the market, follow the trend, and achieve longer-term investment goals. (Asia Eastern University of Science and Technology/Chen Hongzheng)
[2]
Under the dual pressure of high inflation and high housing prices, dual income families have become the norm. However, for mature office workers who have already purchased a house, once their children grow up to study in another city, they will inevitably face the problem of extra idle space in their homes. If they can renovate their living environment, they may gain additional benefits. For example, in recent times, there has been a trend of "family co reading", where some families rent spaces together to allow students to study together; Some people have also transformed their homes into group buying product pick-up points, or unique homestays. As long as you use your brain to plan and reuse existing assets, is it not a good investment? (Far Eastern New Century Corporation/Li Yujun)
[3]
I previously learned from Far Eastern International Bank's investment risk assessment that I am a prudent investor. I will divide the funds into three parts, 30% as a fixed deposit with a term of 3 years, in order to obtain stable fixed interest income; 40% purchase government and corporate bonds with different maturities and levels of risk to diversify risk and provide relatively stable interest income; The last 30% will be invested in the stock market, choosing large enterprise stocks with stable growth and good dividend returns as the investment portfolio. By diversifying funds, it helps to balance risk and return, maintain relative stability of assets in the era of high inflation, and provide more possibilities for future growth and income. (Asia Eastern University of Science and Technology/Huang Peijia)
[4]
My concept about investment and financial management is "managing finances first, investing later". It is necessary to manage finances well before knowing how much money can be invested. Everyone has their own investment methods, there is no good or bad, only suitable or not. I personally prefer to invest in US stocks, which have high liquidity and can be started with small amounts. Moreover, US stocks are a relatively stable market, and opening an account directly with US securities firms can also exempt me from transaction fees. As for the 30% dividend withholding tax on US stocks, don't worry too much, after all, you can invest in many good companies with continuously growing dividends.
If you don't have time to learn how to choose a target, you can regularly and irregularly purchase the US stock market ETF SPY with a long-term annualized return rate of about 10%, and the long-term investment performance is often better than your own stock selection. In short, investment is not speculation, accumulating wealth takes time. (Ding&Ding Management Consultants/Liu Dingwei)
【 V 】
In the era of high inflation, it is even more important to seek ways to increase income through diverse financial instruments. Taking deposits as an example, in addition to New Taiwan dollars, foreign currencies can also be chosen and additional profits can be obtained through exchange. Especially with the recent decline in the US dollar exchange rate, some banks have launched attractive foreign currency deposit programs, with a 14 day maximum annualized interest rate of over 5.5%, which is much higher than the fixed deposit interest rate in Taiwan dollars. Moreover, with just one device in hand, they can exchange and deposit from online banks, allowing their assets to steadily increase in value. (Far Eastern New Century Corporation/Ye Yongjian)
[Six]
I used to think that the risk of investing in funds was relatively low, but it wasn't until I lost half of my principal that I realized the pain and chose low-risk investments. Although the returns were only slightly higher than the current period and slightly lower than the regular period, the use of funds was more flexible and convenient. After these years, I have summarized the following mental methods:
Firstly, it is important to remember that investing carries risks and caution is necessary when entering the industry. Secondly, it is necessary to have a certain understanding of the investment target. If one blindly invests heavily without understanding the situation of the enterprise or the laws of the stock market, the results are often not optimistic. In addition, patience and a steady mindset are also important. Many investments require long-term holding to profit, unless there is rich knowledge and excellent luck, it is possible to rely solely on short-term arbitrage. Finally, investment must be able to withstand risks, with a predetermined proportion of investment principal to total assets and strict implementation. Greed is not advisable, and high returns must be accompanied by high risks. (Far Eastern Union Chemical Corporation Petrochemical (Yangzhou)/Feng Yingqi)
[Seven]
In the era of high inflation, if I don't do a good job in investment and financial planning, my salary is easily consumed by inflation monsters. Therefore, I put 20% of my funds into fixed deposits to maintain fixed income, and the other 80% invest in ETFs through regular and fixed quotas, avoiding putting all eggs in the same basket and avoiding the risk of volatile stock prices. Moreover, as long as I have a fixed monthly expenditure and accumulate it over the years, I can make good profits. (FE SOGO Department stores in Hsinchu/Wu Wenzhen)
[Eight]
Due to my deep understanding of the importance of financial management, I started from receiving my first salary by using my spare money to invest in regular and fixed mutual funds, gradually accumulating principal. After reaching the set stop interest point in my heart, I redeemed the funds in batches and invested the funds in stocks of different industries and ETFs of different types, in order to steadily obtain dividends. On the one hand, I accumulated principal, and on the other hand, I could also diversify risks.
At the same time, in order to better grasp the performance of investment targets, I will care about the company's financial situation, current economic situation, etc., improve my financial intelligence ability, and practice not being greedy, fearful, or anxious from every buying and selling experience, maintaining a positive attitude. In addition to stable work income, I will also use money to help earn more money and enjoy the effect of compound interest. (FE SOGO Department stores/Peng Yushan)
[Nine]
I belong to a conservative wealth manager who strives for stability. I will diversify my funds and invest 60% of them as bank savings, which are distributed across multiple banks. I enjoy a bank policy of principal and interest protection to ensure the safety of most of my funds; 15% of the funds are invested in regular funds to pursue relatively high profits; An additional 10% of the funds will be used for stock trading; The last 15% of the funds will be kept as cash flow for daily needs or temporary emergencies. (Far Eastern Textile Industry (Shanghai)/Yang Baojun)
[Ten]
As a lazy person who wants to invest, I adopt a regular quota approach, saving a lot of time and tedious technical analysis. As long as I invest a certain amount of money in the investment portfolio every month, it can diversify risks, reduce the pressure caused by market fluctuations, make my investment performance more stable, and because the investment amount is fixed, it is easier to estimate and manage financial conditions. At present, I will continue to invest for at least a year. I persist in saving money every month, become more disciplined, pay attention to the value of every penny, and no longer spend freely. (Far Eastern New Century Corporation/Cocoa)
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[1]
In complex financial markets, rationality and calmness are the key to successful investment. I choose to use Far Eastern International Bank's investment and wealth management website, which not only provides rich information but also is very convenient to operate, making my investments smoother. I usually invest 50% of my movable funds in high-quality funds with stable performance, and the remaining 50% in Taiwan and the US stock markets, while closely monitoring the report data of Form 13F and adjusting my investment portfolio accordingly. So far, the investment performance has been stable, with an annualized return of over 20%. In the future, we will continue to calmly face the market, follow the trend, and achieve longer-term investment goals. (Asia Eastern University of Science and Technology/Chen Hongzheng)
[2]
Under the dual pressure of high inflation and high housing prices, dual income families have become the norm. However, for mature office workers who have already purchased a house, once their children grow up to study in another city, they will inevitably face the problem of extra idle space in their homes. If they can renovate their living environment, they may gain additional benefits. For example, in recent times, there has been a trend of "family co reading", where some families rent spaces together to allow students to study together; Some people have also transformed their homes into group buying product pick-up points, or unique homestays. As long as you use your brain to plan and reuse existing assets, is it not a good investment? (Far Eastern New Century Corporation/Li Yujun)
[3]
I previously learned from Far Eastern International Bank's investment risk assessment that I am a prudent investor. I will divide the funds into three parts, 30% as a fixed deposit with a term of 3 years, in order to obtain stable fixed interest income; 40% purchase government and corporate bonds with different maturities and levels of risk to diversify risk and provide relatively stable interest income; The last 30% will be invested in the stock market, choosing large enterprise stocks with stable growth and good dividend returns as the investment portfolio. By diversifying funds, it helps to balance risk and return, maintain relative stability of assets in the era of high inflation, and provide more possibilities for future growth and income. (Asia Eastern University of Science and Technology/Huang Peijia)
[4]
My concept about investment and financial management is "managing finances first, investing later". It is necessary to manage finances well before knowing how much money can be invested. Everyone has their own investment methods, there is no good or bad, only suitable or not. I personally prefer to invest in US stocks, which have high liquidity and can be started with small amounts. Moreover, US stocks are a relatively stable market, and opening an account directly with US securities firms can also exempt me from transaction fees. As for the 30% dividend withholding tax on US stocks, don't worry too much, after all, you can invest in many good companies with continuously growing dividends.
If you don't have time to learn how to choose a target, you can regularly and irregularly purchase the US stock market ETF SPY with a long-term annualized return rate of about 10%, and the long-term investment performance is often better than your own stock selection. In short, investment is not speculation, accumulating wealth takes time. (Ding&Ding Management Consultants/Liu Dingwei)
【 V 】
In the era of high inflation, it is even more important to seek ways to increase income through diverse financial instruments. Taking deposits as an example, in addition to New Taiwan dollars, foreign currencies can also be chosen and additional profits can be obtained through exchange. Especially with the recent decline in the US dollar exchange rate, some banks have launched attractive foreign currency deposit programs, with a 14 day maximum annualized interest rate of over 5.5%, which is much higher than the fixed deposit interest rate in Taiwan dollars. Moreover, with just one device in hand, they can exchange and deposit from online banks, allowing their assets to steadily increase in value. (Far Eastern New Century Corporation/Ye Yongjian)
[Six]
I used to think that the risk of investing in funds was relatively low, but it wasn't until I lost half of my principal that I realized the pain and chose low-risk investments. Although the returns were only slightly higher than the current period and slightly lower than the regular period, the use of funds was more flexible and convenient. After these years, I have summarized the following mental methods:
Firstly, it is important to remember that investing carries risks and caution is necessary when entering the industry. Secondly, it is necessary to have a certain understanding of the investment target. If one blindly invests heavily without understanding the situation of the enterprise or the laws of the stock market, the results are often not optimistic. In addition, patience and a steady mindset are also important. Many investments require long-term holding to profit, unless there is rich knowledge and excellent luck, it is possible to rely solely on short-term arbitrage. Finally, investment must be able to withstand risks, with a predetermined proportion of investment principal to total assets and strict implementation. Greed is not advisable, and high returns must be accompanied by high risks. (Far Eastern Union Chemical Corporation Petrochemical (Yangzhou)/Feng Yingqi)
[Seven]
In the era of high inflation, if I don't do a good job in investment and financial planning, my salary is easily consumed by inflation monsters. Therefore, I put 20% of my funds into fixed deposits to maintain fixed income, and the other 80% invest in ETFs through regular and fixed quotas, avoiding putting all eggs in the same basket and avoiding the risk of volatile stock prices. Moreover, as long as I have a fixed monthly expenditure and accumulate it over the years, I can make good profits. (FE SOGO Department stores in Hsinchu/Wu Wenzhen)
[Eight]
Due to my deep understanding of the importance of financial management, I started from receiving my first salary by using my spare money to invest in regular and fixed mutual funds, gradually accumulating principal. After reaching the set stop interest point in my heart, I redeemed the funds in batches and invested the funds in stocks of different industries and ETFs of different types, in order to steadily obtain dividends. On the one hand, I accumulated principal, and on the other hand, I could also diversify risks.
At the same time, in order to better grasp the performance of investment targets, I will care about the company's financial situation, current economic situation, etc., improve my financial intelligence ability, and practice not being greedy, fearful, or anxious from every buying and selling experience, maintaining a positive attitude. In addition to stable work income, I will also use money to help earn more money and enjoy the effect of compound interest. (FE SOGO Department stores/Peng Yushan)
[Nine]
I belong to a conservative wealth manager who strives for stability. I will diversify my funds and invest 60% of them as bank savings, which are distributed across multiple banks. I enjoy a bank policy of principal and interest protection to ensure the safety of most of my funds; 15% of the funds are invested in regular funds to pursue relatively high profits; An additional 10% of the funds will be used for stock trading; The last 15% of the funds will be kept as cash flow for daily needs or temporary emergencies. (Far Eastern Textile Industry (Shanghai)/Yang Baojun)
[Ten]
As a lazy person who wants to invest, I adopt a regular quota approach, saving a lot of time and tedious technical analysis. As long as I invest a certain amount of money in the investment portfolio every month, it can diversify risks, reduce the pressure caused by market fluctuations, make my investment performance more stable, and because the investment amount is fixed, it is easier to estimate and manage financial conditions. At present, I will continue to invest for at least a year. I persist in saving money every month, become more disciplined, pay attention to the value of every penny, and no longer spend freely. (Far Eastern New Century Corporation/Cocoa)
#
