之前有提到小陈除了是全职投资&投机股票和房地产之外，其实也“不务正业”，涉及了好几样副业。其中提过的就是Libra Invest的信托基金顾问。其实信托基金顾问也不算是“不务正业”，毕竟跟投资和股票市场息息相关。以投资者的角度，给潜在客户分析和部署信托基金的投资策略。其实很多人依然不知道，我们是可以动用EPF的第一户头 (Account ONE)的资金来长期投资信托基金的。当然当中涉及一些投资策略。
之前小陈写了一篇关于信托基金的基本资料，大家可以回顾看看这里>>
之后有时间，小陈会陆陆续续写更多关于信托基金的投资策略。包括：
1)
如何不用动用手上的一份一毫，也能长期投资信托基金？
2)
过去10年，EPF
Dividends vs Libra Invest的信托基金回酬对比
[2005-2014]？
3)
如何提取EPF第一户头的资金投资信托基金？有什么限制？
...
等等等等。
小陈脑海里已经有了个大概，但就是懒惰提笔书写。其实近期也比较忙，因为除了研究股票，也真的涉及很多副业。呵呵~
到底小陈目前做着哪些副业呢？肯定包你大跌眼镜。除了“小陈.股市”部落格和面子书专页之外，小陈其实也个人管理着另外两个部落格和面子书专页。这才是真正的不务正业，看看以下，希望大家也支持给力一下，哇哈哈：
不务正业1：
小陈目前管理着一个社区部落格，也是小陈的家乡、定居的地方 - 仁嘉隆新村。佛光山东禅寺，大家都听过吧？新年的时候很火红的旅游景点。小陈就居住在东禅寺隔壁的花园而已。
小陈在这个部落格里，是以“仁嘉隆憨人”自称，呵呵~ 憨人是福建话，笨人的意思。这个是社区部落格，主要是推广和宣传我的家乡仁嘉隆为主。回馈一下社会，呵呵~
不务正业2：
这个才得了，真的不务正业。是的，小陈目前代理着一个我觉得非常有潜能，有市场的产品。GIE Smart Chef自动烹饪机，一个另Everyone Can Cook的家居智能产品。你已经没有借口说不会做菜、烹饪了。有了它，小孩子都可以轻松烹饪。不相信？有影无？看看以下部落格和面子书专页，里面有小陈亲自下厨烹饪和视频和照片。一面烹饪，一面录影，真不容易啊~ 还得做Movie Maker视频，时间上都花在这里了啦~
赚副不会多，但很好玩。真的是一个会爆的产品。市场上太少涉及厨房的智能产品了~
有时远离一下股市，做一些其他东西，也是一件好事。太接近股票市场，一只盯着股价看，反而不健康。呵呵~
Hi, Mr. Tan.
ReplyDeleteI would like to know what you think about financial freedom.
My target is to have RM1,000,000 invest in dividend stock(ex reits, amway, bat...) and receive 6% dividend yield...
than every month will get RM60,000/12 = RM5,000
i think RM1,000,000 is a good start...but first need to get the RM1,000,000...
Hi, thanks for your message. I think many people misunderstood about the meaning of FINANCIAL FREEDOM.
ReplyDeleteIn my point of view, FINANCIAL FREEDOM is not a solid number, it is more like a formula that support the lifestyle that you want in future. There are few steps you need to follow through in order to calculate how much wealth you need to own right now in order to achieve FINANCIAL FREEDOM.
Here is the steps:
1) What kind of lifestyle you want to have from now until your last breath?
2) Your family planning? How many kids you want to have?
3) Based on above two steps, you should now at least have a picture in your mind on your future EXPENSES. Yes, EXPENSES is the first number you should draw out. Example, RM10k expenses per month?
4) Your income (active or passive)?
5) Can your passive income sufficient enough to cover your expenses? Active income is like a bonus here, in worst case you loss your active income, it is still fine. That's why I use passive income to cover expenses.
6) Once your passive income is more than your expenses, congratulations, you are now free like a bird, can fly over the sky. You can even quit your active income job, and chase your dream, do whatever you want to do.
So to define FINANCIAL FREECOM, your EXPENSES is the key, the first thing you should think about.
Of course, the actual calculation is more complicated which involve inflation, projection of investment return, growth of investment return, potential risks in investment ...etc.
Haha.... Purely my point of view, I'm just a newbie like you.
Thanks Mr. Tan
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