RisK

Nothing is ACHIEVEd without Taking a Risk

To keep LIVING, One has to RISK Death.
To keep Laughing, One has to RISK GrIeF,
To LOVE someone, One has to RiSK Rejection
To get MORE MONEY, One has To RISK the CAPITAL INVESTMENT
To get Success, One has to Risk FAILURE

Make money??.. HYIP

Didn't updates my blog for ages...
I'm really busy calculating Money..hahaha.. just kidding..
I did invest in a few High Yield Investment Programmes (HYIP).. The result is some wins and lost..hehe.. I have to pretend to be normal when I lost.
In actual Fact.. I feel like SUCKS, damn it its scam..
I lost my money in amroinvest, Nippon Hyip and WS-invest or something..I can't remember the actual name.
But..
I make 92% daily, from these HYIPs.. ParadeHYIP and Notafund.com.

Actually its normal when you invest, some win & lose..... its a fact. High Yield and High Risk..

HYIP : aspects to take into consideration

Before investing in High Yield Investment Programs (HYIP) there are several aspects to take into consideration. Here’s a list of the most important ones:

1› Always get some knowledge about the High Yield Investment industry before making a decision to invest your money in High Yield Investment Programs. A good advice is to read every page of this website before doing anything else. As mentioned before, when done right, High Yield Investments are extremely profitable, but without knowing the industry and which programs to invest in you’ll most likely lose your money. Knowledge is one of the major keys to success in the HYIP arena.

2› Think about what your reasons for investing are. Are you looking at it as a solution to your financial problems you shouldn’t even think about it. As mentioned several times on this website, High Yield Investments are risky, and if you’re unlucky enough you could eventually end up without any money at all.

3› Always think over your financial situation before taking the step to invest in HYIPs. Never invest more than you could afford to lose.· Are you a gambler or more careful? Even if High Yield Investing is much like gambling there are options that seem to be safer than other. Decide how big risks you are willing to take.

4› If you’ve made the decision to start investing, find a few programs that you believe in, and invest in all of them. Diversifying your investment on several programs will reduce the risks and you won’t lose everything if one program goes out of business.

5› Before investing in a specific program, do some research on it.

1. Does the website look professional?
   
2. Do they provide any contact information?
3. Where are they based?
   

Check this out before making a final decision.

6› Always check what the rules are regarding withdrawals before investing in program. Some programs let you withdraw your money whenever you want. Others keep your money locked for months.

7› Do some calculation using our high yield investment calculator to find out how long it will take before you’ll get your investment back.

Sometimes High Yield Investment can tend to be very much like gambling. And yes, it is very much about luck and about finding the right programs. However, if you follow the advice given above you’ll dramatically increase the chances of winning the game.

This article is taken from (http://www.hyipinvestment.com/general/geninvestmentadvice)

Investor: Knowing Ourselves and Limits

First and fermost, New investor should never invest money that they cannot afford to lose.
We cannot blame an investment for loosing money becuase all investments have its own risk.

Bear in mind, there many type of products/investment available. Investments do not always make quick bucks. Its by nature will grow and drop in value.

Buying and selling investments by emotions is not a good strategy in addition it's a financial SUICIDE.
Smart investors know that investing is not about timing the market but It's about time in the Market.

Then, as a new investor. Whatshould we do?..

First, you should know how much money that you afford to lose (Dare to fail's money) and what is your specific goals and objective.

2nd, Do your own study and research, research, research. There are more than 10,000 , 15,000 mutual funds and stock issues specifically available worldwide.

3rd, Then from the 1st and 2nd steps, you will know what kind of investments are most suitable for you to invest in. do not put all your eggs in one basket, Diversify it.

Malaysians Showing a lot of Interest In Foriegn Investment..

I thought, most of Malaysian are very negative about foriegn investment. Based on my experience, when talking about foriegn investment, thier first impression is Scam!!.. Some of them is very narrow minded, they even don't want to accept any fact about foriegn investment or event the words of FORIEGN INVESTMENT its self. hahahaha.. I'm not saying about average people, but I have this experience when dealing with an educated people(with an attitude of I know everything, even better than you). I just want to tell them that, its a fact and now it has been a significant wave that swept all over the globe.

However recently, Malaysian shows a significant interest in Foriegn Investment.
I'm pleased with a statement made by Piyush Gupta, Citi Group Country Officer and CEO Citibank Berhad. (taken from starbiz,pg B4, 4 july 06)

Here are The answer by Piyush Gupta, When he was ask by reporter(The CEO Survey, H1 2006) on How is Citibank coping with the TRENDS in the World and Local Economy?

• "Malaysian have taken a lot of interest in foriegn investment opportunities with the liberlisation of foriegn administration last year. Evidance includes over RM6bil assets invested in Mutual Funds with mandates to invest fully in foriegn equities/assets (since July 05)"Piyush Gupta, CEO Citibank Berhad.
• "We also ride the wave of liberlisation that sweeping the Globe. In Malaysia Itself, the move by Bank Negara to allow residents to invest abroad has been positive to Citibank as investors continue to seek to diversify their portfolio and obtain better return."Piyush Gupta, CEO Citibank Berhad.
• "Foriegn currency deposits also picked up and there is an increasing demand for STRUCTURED PRODUCTS (either as a hedging tool or for investment purposes)"Piyush Gupta, CEO Citibank Berhad.
• "At Citibank, we continue to leverage on advancements in technology to improve product and service offerings, accordingly. We anticipate on going focus on cutting edge products that allow us to everage technologies in coming day."Piyush Gupta, CEO Citibank Berhad.

Then, what should I say... you can choose whether to follow the trends or you'll be left behind. There are financial products currently offered on-line such as HSBC - OFFSHORE(Product:UK On-line Growth Fund) and SWISS MUTUAL FUND (1948) S.A (Product: Swisscash)...

Mutual Fund: RISK FREE???

Life is all about taking risk.. someone thought mutual fund is Risk Free....

"First of all, mutual fund investments are not insured by the FDIC or any other federal insurance program or government agency. Even in cases where mutual funds are purchased through a bank (some may even bear the name of the bank), it is possible to lose money when mutual fund investing. Also mutual fund investments come with costs and fees that can affect the amount of return you receive on a mutual fund investment. It is important to know the costs of mutual fund investing before buying the funds. The Securities and Exchange Commission offers an online mutual fund investment cost calculator at its website which allows potential mutual fund investors to investigate the costs associated with the mutual fund they are interested in.

What is a Mutual Fund Anyway?

A mutual fund is actually a company that operates by taking money from a group of investors (all those that buy the fund) and then invests it in stocks or bonds, short term money market instruments, securities, options, or some combination of these investments. If the investments pay off, the investors make money. Because most mutual funds are run by people with a certain amount of financial savvy and stock market experience, mutual fund investing is often considered rather safe, but the potential for loss is real and must be considered.

Mutual fund investing can be advantageous because there are a number of federal regulations in place that are designed to protect investors. The actual investments that the fund makes are watched closely by market analysts and financial managers whose job it is to make appropriate decisions regarding the mutual fund’s investments. The downsides include costs, taxes, and fees which must be paid regardless of how the fund performs." (taken from global-investment-institute)

OFFSHORE - High RISK ???

When talk about OFFSHORE INVESTMENT, normally people will excited about the Returns of Investment 'WoW... what a great return'.. but then, most of them will compare it with their local banks offered, then they will say 'Oo..this is new to me, I already invest at my local bank for ages and its realy safe'.. or..'I don't want to RISK my money in the Offshore Bank, cause this things is new to me, its not located in my country, it is scam, its not safe enough and etc'...

So..its about RISK.. some might heard about calculated risk, then how should we calculated them?.. In finacial management theory.. we can calculate RISK.. the risk telorance and etc.. BUT In REALITY.. that doesn't really count.. when It fails..its fail.. whether the probability to fail is 50% or 1o%.. its also same in the other hand.

"Risk must be evaluated not by the fear it generates in you or the probability of your success, but by the VALUE of the Goal" (John C. Maxwell)


For me.. Its(offshore investment) worth to take risk, since its exploring a new financial opportunity and its Discover the SECRECT OF RICHEST. (Why rich people become richer)


(The reality is thet everything in life is risky. If you want to avoid all risk, then don't do any of followings:

• Don't ride in an automobile - they cause 20% of all fatal accidents.
• Don't travel by air, rail or water - 16% of all accidents result from these activities.
• Don't walk in the street- 15% of all accidents occur there
• Don't stay at home - 17 % of all accidends happen there

Everything in life brings RISK. Its true that failure if you try something bold because you might miss it. But you also risk failure if you stand still and don't try anything ) Taken fromFailing Forward - turning Mistakes into stepping stones for sucess, by John C. Maxwell.

"Decide whether or not the goal is worth the risk involved. If it is, stop worrying" (Amelia Earhart,First female pilot to fly solo over the Atlantic Ocean 1932)

SO.. ??? YOU HAVE NO CHOICE.. LIFE IS ABOUT TAKING RISK '-)

Outsmarters and Partakers

"There are two kinds of investor: Outsmarters and Partakers".

"Outsmarters believe they're so clever they can beat the system,through inside advice and superior brainpower."

"Partakers understandthat the best way to make money is to share in the profits ofsuccessful businesses, by buying stock in [them]... "

"There are, for example, the day traders, who think they can profit from tiny ups and downs of stocks over minutes or hours. I do not doubt that some people can make a profit this way....But beyond a tiny cadreof the super-talented and super-dedicated, day traders get eaten up bythe transaction costs -- the commissions, the spreads between bid andasked prices, and the interest incurred in buying stocks on margin." -- James K. Glassman, "The Secret Code of the Superior Investor," pp.63-64.

WarNinG!!!!

Investing is a great & exciting opportunity, but it should be approached in an educated manner!!!

• Investment principles is your pillars, used it along with any game plan.
• The Greaters potential threat is what you don't know.
• Avoid emotional decision, don't rush. (It takes only seconds to lose money by being impulsive)
• The more option we have, the more difficult to make WISE investment decision.
• Always approach any games intelligently and responsibly.
• Maintain a reasonably safe and sane investment marketplace

There are thousands of investment opportunity around the world, thanks to the Internet.

What is Hedge Funds?

Todays Lesson: What is HEDGE FUND?

Hedge funds are are one of the fastest growing investment alternatives to traditional equity and bond portfolios. The term hedge fund is applied to investment vehicles with a wide range of aggressive investment strategies and objectives. Until recently, investing in hedge funds has only been open to the wealthy investors. Now you can invest in a hedge fund with as little as $1000.



What is the difference between a Hedge Fund and a Mutual Fund?

The main difference between hedge funds and mutual funds is how they are regulated. Mutual funds are one of the most highly regulated investment instruments on the market, while hedge funds have virtually no regulation and investment restrictions. As a result hedge fund managers have more flexibility than traditional mutual fund managers in structuring their portfolios. Hedge funds are also able to use strategies such as futures and currencies. These riskier strategies give them the potential of earning a higher return than traditional mutual funds. Of course, this can also result in a greater loss than what one might traditionally find with mutual funds

Money Don't Work 4 Me :-(

This afternoon, i went to a local investment company to redeem my mutual fund investment. Sad to hear that the fund which i invested 2 years ago at $15,000 currently valued at $13,659. then i ask the staff, currently, which fund is the best to invest in?... she said"The overseas fund".

A decade ago, average people invested in their country except for the Rich.

Now, everybody can invest anywhere you want. Thousands of individuals and companies that are spending billions of dollars to exploit its access to hundreds of millions global investors.

Now I'm thingking of being an Investment Strategiest, at least for my own good. coz Money will disappear if I make a bad investment decision...

The desire alone is not enough.. I HAVE TO BE PREPARED, KNOWLEDGEABLE AND DISCIPLINED..... I need to further my studies in Financial Planning coz my degree in accounting & finance can't help me to make money work for me... SLOW BUT SURELY MY MONEY WILL WORK FOR ME