Diversitybycountry
Diversifybyassetclass
Diversifybysector
Defertaxoremploystrategiesthatlowertax
Focusoncompanieswithlowdebt,goodmanagementandconsistentsavings
Dollarcostaverage.Time
Buyusersoftechnology.notdesignerofit
Buyhardassets.Buybondsindexedtoinflationandinterestrates
Diversifybycurrency.Avoidhighdebteconomies.Buyglobalcompanies.
Goshort-termwithfloatin...[阅读全文]
财务自由 by 2018
记录我的股票，基金和投资理财经历
博文
(2007-09-05 19:35:51)
(2007-09-04 11:41:51)
Accordingtocbcnews,CanadianTireBankhaslaunchedanaccountitsayswillsavepeoplemoneybyconsolidatingtheirdebtsandhelpingtopaythemoffmorequickly.TheretailandfinancialservicescompanyintroduceditsOne-and-OnlyaccountonTuesdayinCalgaryandinKitchener-WaterlooandLondoninOntario.Theaccountallowscustomerstocombinemortgage,chequingandsavingsaccounts,andloansandcredit-cardbalances."Anyfundsdepositedintotheaccount...[阅读全文]
(2007-09-01 18:57:28)
Accordingtomorningstar,TopPerformersforpast1monthare
1.USsmall/midcap
2.ScienceandtechnologyEquity
3.Realestateequity
4.USequity
5.Financialservice
TopPerformersforlast3month
1.AsiaPacificex-Japan
2.EmergingMarket
3.Scienceandtechnology
4.Asiapacific
5.Canadianshorttermfixedincome
[阅读全文]
1.USsmall/midcap
2.ScienceandtechnologyEquity
3.Realestateequity
4.USequity
5.Financialservice
TopPerformersforlast3month
1.AsiaPacificex-Japan
2.EmergingMarket
3.Scienceandtechnology
4.Asiapacific
5.Canadianshorttermfixedincome
[阅读全文]
(2007-09-01 18:20:24)
ThereisnotmuchinthisbookIdon'tknow.Mostfinancialadvisorscareoftheirowninterest,notyours.That'swhyImanagemyownfinanceandinvestment.
Accordingtotheauthor"JohnLawrence",SomethingtobeconsideredforMutualfundinvestment
1.MatchYourAgetotheGuaranteedFixed-IncomePortionofYourRetirementPortfolio.
Forage25-35,50%growth,20%Growthandfixedincome,20%bonds/Fixedincome,10%shorttermassets.
Forage35-...[阅读全文]
Accordingtotheauthor"JohnLawrence",SomethingtobeconsideredforMutualfundinvestment
1.MatchYourAgetotheGuaranteedFixed-IncomePortionofYourRetirementPortfolio.
Forage25-35,50%growth,20%Growthandfixedincome,20%bonds/Fixedincome,10%shorttermassets.
Forage35-...[阅读全文]
(2007-08-30 12:15:49)
从九月份开始，TDwaterhouse开始降低交易费到$9.99,如果帐号上有超过十万资金。所以我准备作如下调整。
RESPaccount-TDefunds
RRSPaccount-TDefundsandotheractivelymanagedMutualfunds
SRRSPaccount-ETFandstocks,mainlyCanadianstocks
Oneoftheprinciplesistodiversifyinstyles.Thischangefitsinthisgoal.IalsohaveaIRAaccountinUS.thataccountisforETFandUSstocks.
[阅读全文]
RESPaccount-TDefunds
RRSPaccount-TDefundsandotheractivelymanagedMutualfunds
SRRSPaccount-ETFandstocks,mainlyCanadianstocks
Oneoftheprinciplesistodiversifyinstyles.Thischangefitsinthisgoal.IalsohaveaIRAaccountinUS.thataccountisforETFandUSstocks.
[阅读全文]
(2007-08-15 11:20:33)
Mostinvestorsshouldstartwithanassetmixof60%stocksand40%fixedincome.Thenfinetunetheweightingsbasedonage,risktolerance,leveloftaxationandneedforincome.
1.Ageortimehorizon,thelongertimehorizon,themorestockweighting
2.Experience,themoreexperience,themorestockweighting
3.Incomeandtaxbracket,thehigherincome/taxbracket,thelowerfixedincomeweighting
4.Risktolerance,themorerisktolerance,them...[阅读全文]
1.Ageortimehorizon,thelongertimehorizon,themorestockweighting
2.Experience,themoreexperience,themorestockweighting
3.Incomeandtaxbracket,thehigherincome/taxbracket,thelowerfixedincomeweighting
4.Risktolerance,themorerisktolerance,them...[阅读全文]
(2007-08-14 13:25:18)
Trend1-interestratestartrising
lockindebtbeforeratesmovehigher.Ifyouhavestockportfolioorequitymutualfunds,takesomeprofilts,asrisinginterestratesareusuallybadnewsforstocks.Thosewithinterestbearinginvestmentsshouldkeeprollingtheirmoneyinliquid20-90daydepositsormoneymarketfunds.considertosellbond.
Trend2-interestratearedroping
Thisisagoodtimetohaveafloatingratemortgageandconsumerdebt.Fall...[阅读全文]
lockindebtbeforeratesmovehigher.Ifyouhavestockportfolioorequitymutualfunds,takesomeprofilts,asrisinginterestratesareusuallybadnewsforstocks.Thosewithinterestbearinginvestmentsshouldkeeprollingtheirmoneyinliquid20-90daydepositsormoneymarketfunds.considertosellbond.
Trend2-interestratearedroping
Thisisagoodtimetohaveafloatingratemortgageandconsumerdebt.Fall...[阅读全文]
(2007-08-13 09:58:28)
1.Socializewithyourchildren
2.Entertainingclosefriends
3.Planninginvestments
4.Studyinginvestmentopportunities
5.Takingphotographs
6.Watchingyourchildrenplaysports
7.Consultingwithaninvestmentadviser
8.Studyingart/investments
9.Attendingreligiousservices
10.Jogging/running
Comments:Noneoftheactivitiesisexpensive.
[阅读全文]
2.Entertainingclosefriends
3.Planninginvestments
4.Studyinginvestmentopportunities
5.Takingphotographs
6.Watchingyourchildrenplaysports
7.Consultingwithaninvestmentadviser
8.Studyingart/investments
9.Attendingreligiousservices
10.Jogging/running
Comments:Noneoftheactivitiesisexpensive.
[阅读全文]
(2007-08-13 07:57:42)
序号基金代码基金简称单位净值(元)累计净值(元)净值增长率％1161903万家公用1.60492.33492.55612100022富国天瑞2.01313.18311.34923160505博时主题2.62483.54581.30064410003华富成长1.26171.29170.89565213002宝盈区域增长1.10452.76480.88606162203荷银稳定1.59233.09230.8487751005050ETF3.67404.42200.79568450002国富弹性1.99472.70470.71709200001长城久恒平衡1.55302.66300.582910100026富国天合稳健2.16162.21160.58161156...[阅读全文]
(2007-08-12 07:18:23)
IjustfinishedreadingbookTheMillionaireMind.Thereare8importantelementsoftheeconomicsuccessequation:
1.Understandthekeysuccessfactorsoureconomycontinuesandwillcontinuetoreward:hardwork,integrityandfocus
2.Neverallowalacklusteracademicrecordtostandinthewayofbecomingeconomicallyproductive
3.Havethecouragetotakesomefinancialrisk.Andlearnhowtoovercomedefeat
4.Selectavocationthatisnotonly...[阅读全文]
1.Understandthekeysuccessfactorsoureconomycontinuesandwillcontinuetoreward:hardwork,integrityandfocus
2.Neverallowalacklusteracademicrecordtostandinthewayofbecomingeconomicallyproductive
3.Havethecouragetotakesomefinancialrisk.Andlearnhowtoovercomedefeat
4.Selectavocationthatisnotonly...[阅读全文]
