140) Chinese New Year Rally in FBM-KLCI?

140) Is there Chinese New Year Rally in FBM-KLCI?

We had analyzed that a December rally is highly possible in FBM-KLCI.

However, do we have similar rally for Chinese New Year period from 1 January to 28 February every year?

Let's find out with the historical data. The red vertical line is the estimated last trading day before the Chinese New Year holidays.


 FBM-KLCI from 1 Jan to 28 Feb 2018.

FBM-KLCI from 1 Jan to 28 Feb 2017.

FBM-KLCI from 1 Jan to 28 Feb 2016.

FBM-KLCI from 1 Jan to 28 Feb 2015.

FBM-KLCI from 1 Jan to 28 Feb 2014.

FBM-KLCI from 1 Jan to 28 Feb 2013.

FBM-KLCI from 1 Jan to 28 Feb 2012.   

FBM-KLCI from 1 Jan to 28 Feb 2011.

FBM-KLCI from 1 Jan to 28 Feb 2010.

FBM-KLCI from 1 Jan to 28 Feb 2009.   

FBM-KLCI from 1 Jan to 28 Feb 2008. 

FBM-KLCI from 1 Jan to 28 Feb 2007. 

FBM-KLCI from 1 Jan to 28 Feb 2006. 

 FBM-KLCI from 1 Jan to 28 Feb 2005. 

FBM-KLCI from 1 Jan to 28 Feb 2004. 

FBM-KLCI from 1 Jan to 28 Feb 2003. 

FBM-KLCI from 1 Jan to 28 Feb 2002. 

FBM-KLCI from 1 Jan to 28 Feb 2001. 

 FBM-KLCI from 1 Jan to 28 Feb 2000.

Below is the summary of FBM-KLCI index performance from 1 Jan to 28 Feb every year from 2000 to 2018. 

As a conclusion, there is NO obvious pattern on the FBM-KLCI performance. From the records, 13 years with positive returns and another 6 years with negative returns.

So, how will KLCI perform for January to February 2019?
 

139) Santa Rally in FBM-KLCI?

139) Santa Rally in FBM-KLCI?

You must have heard about the theory on Santa or December rally in the stock market around the world. It is said that the Stock Market will increase in December.

Does this theory happen in the Kuala Lumpur FBM-KLCI index?

Let's do a simple analysis based on the past historical data. The data was compiled from graphs of the various years' returns from 1 to 31 December every year. The data starts from 2006 to 2018.

The accompanying Equity fund is just an example of a Unit Trust Equity fund.

 FBM-KLCI from 1 to 31 Dec 2018.

FBM-KLCI from 1 to 31 Dec 2017.

FBM-KLCI from 1 to 31 Dec 2016.

FBM-KLCI from 1 to 31 Dec 2015.

FBM-KLCI from 1 to 31 Dec 2014.

FBM-KLCI from 1 to 31 Dec 2013.

FBM-KLCI from 1 to 31 Dec 2012.  

FBM-KLCI from 1 to 31 Dec 2011.

FBM-KLCI from 1 to 31 Dec 2010.

FBM-KLCI from 1 to 31 Dec 2009.

FBM-KLCI from 1 to 31 Dec 2008.  

FBM-KLCI from 1 to 31 Dec 2007.

FBM-KLCI from 1 to 31 Dec 2006.  

Below is a Summary table of the FBM-KLCI returns in December from 2006 to 2018.

It shows that almost every year, the FBM-KLCI gave a positive returns in December, except in 2014 and 2018.

So, there are some truths in the Santa Rally for FBM-KLCI.
 

138) MAKE as a Gift

138) MAKE as a Gift

There are many things you can give to others.  Let's MAKE them into 4 categories. 

MAKE stands for Materials, Attention, Knowledge & Effort.

Materials

This is perhaps the most common gift that others want, especially Money. With money, you can buy a lot of things. Money is easy to convert to other things. You can even keep money for future use. Most investment also need initial capital using money. If you don't want to give Money, then you can give the actual material gifts to that person. For example food, things, presents, jewelry, cake, etc. If the gift is not for a person, let's say an animal, you can also give the material things like food and shelter.

Attention
Some people need your attention. This is more important to the very rich or old. They may already have enough money and don't need more money. What is lacking is the attention, care, companionship, friendship and love from others. Even the young need more of your attention. Many children are given lots of money but are usually left alone. This is normally because their parents are busy working hard to make money. When working hard, the parents have no time for their children. Many parents thought their children wants money, but in actual fact the children need more attention.  Do check with your family members what they really need. Also please ask your parents (if they are still alive) and children what they really want from you. You may be surprised on the answers.

Knowledge
Some people just need your knowledge. They want to learn from you to improve themselves. They may even be willing to spend money to learn more knowledge. Students want to get knowledge from their teachers and mentors.

Effort
Some others just need your effort to help them. Your friend may need your effort to buy and pack lunch for him. Old people who cannot do many tasks need your effort to do it for them. Young children need your effort to care for them. 

From this sharing, you can now realized that different people need different things from you at different times. You also know that your need are different depending on situation and people you interact with.

Money is not needed at all the time. 

Be aware of the needs of others. The best way to know is to ask and wait patiently for the answer. You may need to ask a few times just to confirm that the answer is the real need.  Many will just be too proud to say what they really want.

Many times, people will tell you the answer they think you want to hear. Let them know you really care for them and is willing to hear the real need.

Wish all of you a blessed life while fulfilling the needs of others.

 

137) Not The Best, But Good Enough

137) Not To Be The Best, But Be Good Enough.

Many people try their best to be the best. In the end, many got frustrated, angry, disappointed and even feel like a failure.

If you think about yourself, you want to be better than everyone else. You want to be the best. Look deeper into this thinking. You are actually in Competitive mode. Those not in your team are your competitor. There will be a point where even your best friend is your competitor as you want to be the BEST of the BEST.

To be Number One means the rest have to lose to you. You must beat the rest. If you can't beat them, then one of them will beat you and be number one.

Now, stand back for a while and look at what you want to accomplish. What is your actual objective?
Do you need to be the best? Most of the time, you don't have to be the best, but just be good enough.

For example, you don't have to be the richest person to help others. You don't have to be the smartest to enter the university. You don't have to be the prettiest to be liked by others. You don't have to be the fastest to reach your destination. You don't have to be the best driver to send your kids to school.

What you need is just be GOOD Enough to accomplish your objectives. If your objective is to send your kids to school, then be a good enough driver to reach the school and home safely. If you are a financial planner, you just have to be good enough to help others plan for their future financial needs.

If your objective is to earn money for your family, then learn good enough knowledge to earn enough money. Do you have to make so much money and work so late until you don't get to see your family?

What does your family really need from you? 
What's the real objective of you working?


A doctor works at the clinic is already good enough and can already treat normal sickness. However, a surgeon must work harder to have good enough skill to operate on a person. A nose specialist have to be good enough to treat the nose sickness.

To be the BEST, you will have to spend a lot of time and effort. Sometimes a lot of money is used to improve yourself. If  you try to keep improving, you will get better. However, the additional small improvement takes so much more effort and time.

You can see this in most sports. The sportsperson train so hard since young and keep training to be the best player. The sportsperson's objective is to be the best player. Nothing else matters and there is not much help to others.

Once you are good enough and achieve your goals, then you should spend more time and effort helping others.

You can be the Best, but ask yourself how does being the best can help others?
Most probably it is only to feed your self ego.

Be GOOD ENOUGH to help others.
Let your knowledge be known and shared with others.

I learned this message and want to share with you. At the end, the other world does not use the currency and riches you accumulated in this world.

136) Success Needs No Reason

136) Success Needs No Reason

Success is getting the results that you expected.
Failure is NOT getting the results that you expected.

The GOOD news is that Failure is not everything. There are many successes that came from unexpected results. Failure is one thing can also be a Success in another.


Those who failed has a lot of things to review. There are many possible reasons that it did not work out as you wanted. You want to be able to understand what had happened. So many questions to ask and need answers.

Whose fault was it? Is it something can be avoided? Was it something missing? Why happened to me?

A quote from Adolf Hitler says it all. Winners rarely need to explain on why they win. Their results already show it all. Losers will have to find out and think of the reasons on why they lose.



Have you ask a winner on why and how he or she wins? The factors that make them a winner are mostly about hard work, great teamwork, lots of practice, good planning, good strategy, good timing, etc. Rarely will a winner say that he or she is lucky.

When you ask a loser on why and how he or she loses, you will get similar answers. It is still about hard work, teamwork, planning, practice strategy, timing, etc. The main reason is the winning factors were not good enough. Many losers will also blame it on bad luck.

Now they have to explain why the factors were not good enough. Most reasons will be no money, no time, no skill, no knowledge, etc.

Actually, failures are not opposite of Success. Failures are the building blocks of Success.

Read more from this link
http://highlevelrules.blogspot.my/2017/09/failures-are-building-blocks-of-success.html


The main solution is to do more. 
Practice always make you better. 

Focus on things that make you better.
Do more planning, more practice, get better timing, think of more strategies. 

Start to improve yourself and stop complaining about the situation.
Do more, talk less.

We all know that there is only one place for number 1. Everybody wants to be Number One. However, this happens in Competitive world and with limited thinking.

You do not have to be always number one. This thinking will create a lot of stress and create many enemies.

There is no need to always compete.

There is also the Collaborative world. When you start to think bigger, there can be more than one winner. We have enough resources and we can share. In fact all can be winners. Learn to work with one another. Everyone has his or her own strength. Work together and help one another.

135) Investment Knowledge is Crucial

135) Investment knowledge is Crucial

You must have heard the old saying....

Give a fish to a man and he eats for a day.
Teach him to fish and he eats for a lifetime.

 

In the same way, money and investment is similar. 

Give money to a man and he will have money for a day.
Teach him how to invest and he will have money for a lifetime.

Warren Buffet is one of the Greatest person alive with investment.knowledge. He realized the importance of investment from very young and is spending his life doing investment. His knowledge is being shared and had created many good investors.

Please note that Investment is VERY DIFFERENT from Trading.
Investment is for the long term, while trading is for short term.

Investment knowledge is just like any other knowledge. You can learn it. With the proper knowledge, you will be able to seek the right opportunity and take advantage of situations.

When there is stock market crisis, companies stocks will be at a much cheaper price. The companies shares dropped a lot. Companies that are good and have a strong businesses, will survive the downturn. The product and services will still be needed and required by many. The business of good and stable companies will still continue.

Do you think the banks, utilities,  telecommunications, basic food and milk companies will close?  Their products are required everyday. Just imagine how your life will be without your hand phone, food, water and electricity..... 

Total disaster right? 

So, do take time to learn as much as you can about investment. Knowledge about investment is the main knowledge of the richest people alive today. All of them have shares of their public listed companies.

 

There are many smart people, but may not be the rich. They may know a lot about science or art, but without the investment and financial knowledge, they may not have much money. Many rich people got into financial problem because they do not have the right financial and investment knowledge.

As per quotation from Benjamin Franklin above, An investment in knowledge always pays the best interest. Just imagine what benefits you will get when you 
Invest in Investment Knowledge.

If you want to know about investment knowledge, you can google or join investment classes.
Alternatively, look for a Financial Consultant and request him or her to share the investment knowledge.

It will be better if you join them and learn directly from their team. 

134) Easy Way To Invest Into Businesses

134) Easy Way To Invest Into Businesses 

Most people know that to be rich, you need to own a business. It is tough to be rich if you are working for others.

Many will complain and wish that they have enough money to start a business. Without the large amount, they cannot afford to start a business. While it is easy to start a small business with small amount, it still needs a lot of time and effort. If the business is easy to start, there also a lot of people will start the same business as you. Then you will have a lot of competitors very soon.

Many have misunderstanding about money and business. 

To own a business, you can start your own business from scratch or buy somebody's existing business. The easier way is to buy the existing business. However, buying over somebody's successful business will cost you a lot of money.

The great news is that there is an easier way and with much less money. You can buy the shares of existing companies. Many good companies had already listed their shares in the stock market. You can buy the shares and own a part of the company. The more money you have, the more shares you can buy.

However,  many people will come out  with another complaint. They say that they don't know anything about companies and businesses. So don't know how to invest and which company to invest into. 

More will also complain that they don't have much money.  How to buy the expensive shares?  

Basically the issues are they have not enough:
a) Money
b) Skill & knowledge
c) Time

To be a successful share investor, you need the above. Most people have only 1 or 2 of the above requirement. For example, some people have money and time, but no skill. Some have time, but no money and no skill.

 

One of the easiest way to buy into companies is to invest into Unit Trust equity funds. You can start with a reasonably small amount. You can always add more money to the investment when you have more money. With Unit Trust, your money will be invested into many different companies and industries. Most Unit Trust equity funds also invest into companies located at many countries.

All the management of the funds, choosing good companies, when to buy and sell, collecting dividend, reinvest profits, etc. is done by the Unit Trust Management Company.  They have a group of professionals working and doing all the work.

Investing in a Unit Trust Equity fund is an easy way to invest into the many public listed companies. 

You only need the money that you have without requiring much time, skill and knowledge.

Do contact your Unit Trust Consultants to discuss on your investment requirements.