Tag: Investment

Introduction

Do you want to be an investor like the lady in this image? Read on!

Like majority of people, investing can seem like a daunting task. There’s so much advice out there that it can be difficult to know where to start. That’s why I’m here with the 10 most common mistakes investors make—and how you can avoid them:

1. Not diversifying

When it comes to investing, diversification is key. Diversification can be done by investing in different asset classes that have different risk profiles and returns. For example, you could have a portfolio of stocks, bonds and cash equivalents like money market funds.

If you’re paying attention here so far, you may be saying “that’s all well and good for people who are already making money from their investments.” That’s true! But what happens if you lose all your money? What do we do then? If we’re going to get out of this hole with our heads above water—and believe me when I say there are plenty of people who have lost everything—then we have to start somewhere: by avoiding these common mistakes:

2. Investing in something you don’t understand

Investing in something you don’t understand is a major reason for people to fail at investing. It’s also the most common mistake that investors make, according to industry experts.

This applies to all kinds of investments, from stocks and bonds to real estate and commodities. Don’t buy something if you don’t know what it is or why it could be valuable in the future.

Here are some examples:

• You invest in a cryptocurrency (like Bitcoin) because some friend told you it was a good investment—but then find out that your friend was paid by the people who manage this currency to recommend it to others. This would not be considered an informed decision because there’s a conflict-of-interest involved between your friend and yourself as an investor; they want their product sold while you’re looking for information based on solid facts—not just someone else’s opinion!
• Or perhaps another friend tells you about an amazing app idea that he wants funding for so he can build it into something amazing—but then later finds out that his “friend” secretly invested all his own money into this project without telling anyone else first (including potential investors). Again, this would not be considered an informed decision because there’s no transparency between parties involved here; one person knows one thing while another person knows another thing which prevents any kind of fair exchange taking place between them both equally benefiting everyone equally equally equally equally equally….

3. Segregate your funds

One should always separate your funds to at least 3 categories – investment funds, emergency funds and daily funds. Emergency funds of at least 6 months (or more depending on your need) with daily funds that you use for your normal expenses would help you to keep your sanity during period of market volatility. Your mind will know that you have enough money to survive such that you can afford to wait for the market to recover in order for you to take some profits off table.

Imagine the situation where you need money for your daily expenses or a big sum for sum emergency, but you don’t have! The worst case is to cut loss at market bottom to take your invested funds out. This really become the legendary buy high sell low.

4. Being overly conservative

There is a common misconception that the only way to make money in the stock market is by being overly conservative and risk-averse. This isn’t true at all. In fact, the opposite is true: if you want high returns on your investment portfolio, you need to be willing to take some risks.

However, there’s a fine line between taking enough risk and taking too much risk; investing without regard for risk management will leave you with an empty wallet and a stomach ache from worrying all day about your investments tanking—which has happened countless times in history. You must strike an appropriate balance between caution and boldness when it comes to managing your finances; only then can you hope for success.

Being cautious doesn’t mean that investors never take any risks whatsoever—it just means being realistic about how much risk they’re willing to take given their own abilities as investors (and their overall wealth). If someone has little experience with investing but wants high returns on their investments anyway, then they should probably stick with safer options like fixed deposits or savings accounts instead of trying out exotic securities like penny stocks or options contracts.

5. Being too impatient

This is a big one: being too impatient. If you’re looking for a quick return on your investment, you’re going to be disappointed. This is where patience comes into play and patience is something that many investors lack.

Investing in the stock market is like investing in a slow cooker—it takes time for it to heat up and cook (and sometimes even longer than expected) but when it does, the results are worth it because there are no special ingredients or techniques involved. You just have to sit back and watch as your stock grows over time!

6. Buying things that are going up just because they’re going up.

The most common mistake investors make is buying things that are going up, just because they’re going up. The first rule of investing is to buy things you know. If it’s something you don’t understand or have any interest in, then you shouldn’t be buying it. There’s nothing wrong with holding on to your investments once they’ve gone up in value—but there’s also no reason at all to buy more than you need today based solely on the fact that tomorrow might be better.

Buying high and selling low is a classic error for many new investors—and one of the easiest ways for anyone who has learned some basic strategies about investing can avoid this mistake. You’ll probably end up paying too much when prices are high and sell too soon at lower points; these mistakes will cause your investment returns over time if not avoided

7. Trying to time the market.

People often think they can time the market, but it’s not that easy. A market cycle is a period of time between two major peaks or bottoms. To get an idea of when a cycle has ended, look at the last peak and valley to see how much time passes between them. If there was a trough in 2009 and then another peak in 2013, you may want to wait until 2016 before trying your hand at buying again (or sell if you’re already invested). Most people don’t have this kind of patience though—they want results right now!

To help combat this impatience and improve your investing skills as well as overall understanding of how markets work, consider using technical analysis (TA) strategies instead of fundamental analysis (FA). FA relies on economic indicators like GDP growth rates or unemployment statistics to determine whether or not stocks are overvalued or undervalued; TA uses charts based on historical data from previous years so you’ll be able to make more informed decisions about how much stocks should cost today by comparing them against their own previous history instead

8. Overreacting to news events

In a world where every news event can seem like the end of the world, it’s important to remember that they often aren’t.

Whether a market or sector is in decline, it doesn’t mean that it will continue to fall indefinitely. In fact, if you study market history and economic cycles, you can almost count on there being an upturn at some point—the only question is when?

When one industry or sector is having difficulties, others tend to pick up the slack over time. It could be several years before things return to normal again but as long as you have patience and keep your focus on your long term goals rather than short term losses/gains then there are always opportunities waiting for those who are willing to wait patiently for them

9. Not reviewing your portfolio regularly

It’s important to review your portfolio at least once a year, if not more often. Before the end of each year is a great time to do so because you can consider your overall performance and make any necessary adjustments before new contributions are made.

A good rule of thumb is to check in on your investments around big news events (like an election), or when markets begin to move wildly up or down unexpectedly.

10. Having a short-term outlook

Having a long-term outlook can help you avoid many mistakes that investors make. It’s easier said than done, though! For example, the news often gets in the way of having a long-term outlook. A company could release stellar quarterly results, but if it also announces that it’s shutting down its last factory in your country and moving production to China, then investors will likely react negatively—and their reactions may be justified given the short-term impact of this announcement on profits and job security (not to mention national pride).

In these situations, knowing how to act wisely requires more than just keeping an eye on the market; you need discipline and patience as well. The key is not letting yourself be swayed by short-term news events or even stock price movements. Instead of trying to predict what will happen tomorrow or next month with your investments, it’s best if you focus on investing for 10–20 years or longer

Conclusion

As I said before, these are some of the most common mistakes investors make. If you want to avoid them, all it takes is a little research and planning. This will help ensure that your money will last for years to come. The best thing about investing is that anyone can do it! Even if you don’t have much cash available right now (or any at all), there are plenty of ways to get started with just what little savings you do have—including saving more than ever before by starting small with dollar-cost averaging (DCA).

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

• Simplified Guide to the Key Gist of Grant of Probate and Estate Planning
• Cheapest and best way to trade Singapore Stocks with CDP
• Mastering Dividend Investing: 5 Evergreen Investment Principles
• Unlock Lucrative Returns with IAPD: A High-Yield ETF Providing 7% Annual Yield and Quarterly Payouts
• Unlock Lucrative Returns with SDIV: A High-Yield ETF Providing 11% Annual Yield and Monthly Payouts
• If I am a dividend investor, this is what I would do….
• 7 Things to consider before buy a dividend stock
• 4 Dividend ETFs that can let you sleep well even in the scary bear market
• 5 Best Counters for Passive Dividend Investing
• The Three MOST Important Traits of an Investor
• What is the best investment strategy in the world?
• Ultimate Strategy of buying REITS: XXX instead of X000?
• Ultimate Free 2 Days Reit MasterClass: Exclusive at Careyourpresent.com only!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

• The Best Advice to Parents and Child
• What if Later never come?
• What will you bring with you on your last day on Earth?
• Time is the ultimate currency, not money
• Our Life only have 5 short Days – we should live the best for every day
• Truly understand Living in the Moment now
• 11 Important Unexpected Life and Money lessons to learn from Your Children
• The days are long but the years are short
• Ditch your mobile phone to build real life
• Careyourpresent: Time is the most important
• Careyourpresent: What is your purpose of life?
• Careyourpresent : Greatest Regrets in life
• Careyourpresent : You might not believe it. It’s little unexpected things that make up a real life
• Careyourpresent: Something only happen once in life, if you missed it, it’s gone forever…
• Careyourpresent : Why is Gold useful?
• Careyourpresent: Frozen. Let it go!

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

• Telegram Group (Chat with me and other like minded people!)
• Telegram Channel (Get the latest updates on the markets/life!)
• Twitter
• Facebook
• RSS Feed

You may also contact me via [email protected].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

• Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
• WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
• MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
• Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
• FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
• Hostinger: You can use this link for hosting your new website. 20% off hosting!
• Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

Introduction

Ok, I am not sharing my view on what is the best investment strategy in world, but I am sharing about ChatGPT which is getting hot recently. What is this actually? Put in layman term, it’s an AI Algorithum created by OpenAI where you can ask questions and it will answer you, reply to you, follow up with conversion smartly etc.

From the site itself,

ChatGPT interacts in a conversational way. The dialogue format makes it possible for ChatGPT to answer followup questions, admit its mistakes, challenge incorrect premises, and reject inappropriate requests.

Let me test to ask a few questions in relation to investment and Care Your Present with 2 tries each.

(1) What is the best investment strategy in the world?

ChatGPT 1st try:

There is no one-size-fits-all answer to this question, as the best investment strategy depends on a number of factors, such as an individual’s financial goals, risk tolerance, and time horizon. It is generally a good idea to diversify your investments across different asset classes and to regularly review your portfolio to ensure that it is aligned with your goals and risk tolerance. It is also important to do thorough research and consult with a financial advisor before making any investment decisions.

ChatCPT 2nd try:

There is no one-size-fits-all answer to this question, as the best investment strategy depends on a variety of factors such as your individual financial goals and risk tolerance. It’s important to consider your own unique situation and consult with a financial advisor before making any investment decisions. In general, however, a good investment strategy typically involves diversifying your investments, regularly reviewing your portfolio, and staying informed about market trends. It’s also important to have a long-term perspective and to be willing to ride out short-term market fluctuations.

(2) How do you Care Your Present?

ChatGPT 1st try:

To care for your present, you can:

1. Practice gratitude and appreciate what you have in the moment.
2. Take care of your physical and mental health by exercising, eating well, and getting enough rest.
3. Engage in activities that bring you joy and fulfillment.
4. Nurture your relationships with loved ones and build connections with others.
5. Prioritize self-care and make time for relaxation and self-reflection.
6. Avoid comparing yourself to others and focus on your own growth and progress.
7. Seek help when needed and don’t be afraid to ask for support from others.
8. Avoid procrastination and take action to achieve your goals and aspirations.
9. Practice mindfulness and focus on the present moment, rather than worrying about the future or dwelling on the past.
10. Be kind and compassionate to yourself and others.

ChatGPT 2nd try:

1. Take care of your physical health: make sure to eat a healthy and balanced diet, get enough sleep, and exercise regularly.
2. Pay attention to your emotional wellbeing: take time for yourself, practice self-care, and seek support if needed.
3. Nurture your relationships: maintain connections with friends and family, and strive to build positive and supportive relationships.
4. Stay engaged and active in your community: volunteer, participate in community events, and support causes that are important to you.
5. Set goals and work towards achieving them: identify what is important to you and take steps to make it a reality.
6. Reflect on your experiences and learn from them: take time to think about what has worked and what hasn’t and use that knowledge to improve your life.
7. Take care of your environment: keep your living space clean and organized, and make an effort to reduce your impact on the planet.
8. Practice gratitude: take time each day to appreciate the good things in your life and the people who support you.

(3) Should Singaporeans invest in Singapore Reits after many Federal rate hikes?

ChatGPT 1st try:

It is ultimately up to your own personal financial situation and risk tolerance. However, it is important to consider that interest rate hikes can affect the performance of real estate investment trusts (REITs) in Singapore. Higher interest rates may lead to higher borrowing costs for REITs and reduce their profitability. It is recommended to thoroughly research and evaluate the potential risks and rewards before making any investment decisions.

ChatGPT 2nd try:

It depends on individual financial goals and risk tolerance. Singapore Reits (real estate investment trusts) may offer potential benefits such as diversification and steady income, but they can also be affected by rising interest rates. It is important for investors to carefully assess the potential risks and rewards of investing in Singapore Reits and consult with a financial advisor before making any decisions.

(4) Generate the 5 best twitter tweets that will be viral and generate many followers.

ChatGPT 1st try:

1. “Just tried the new Starbucks pumpkin spice latte and I am officially in love! #PSL #Starbucks”
2. “I just got the cutest puppy and he’s already melting my heart! #dogsofinstagram #newpuppy”
3. “I just got back from the most amazing trip to Bali and I can’t wait to share my photos with you all! #Bali #travelgram”
4. “I just discovered the best workout routine and I’m already seeing results! #fitness #healthylife”
5. “Just tried the new restaurant in town and it was amazing! I highly recommend it! #foodie #newrestaurant”

ChatGPT 2nd try:

1. “Just saw the most amazing sunset and it made me realize how beautiful this world is. Let’s appreciate the little things in life! #sunset #beauty”
2. “I just tried the new avocado toast at my favorite cafe and it was to die for. You have to try it! #avocadotoast #foodie”
3. “I just finished my first marathon and it was the most incredible feeling. If you want to push yourself, set a goal and go for it! #marathon #fitness”
4. “I just discovered the best DIY face mask using honey and turmeric. My skin has never looked better! #skincare #diy”
5. “I just saw the cutest kitten on the street and it made my day. Animals bring so much joy to our lives. #kitten #cute”

(5) 10 best ways to grow passive income

ChatGPT 1st try:

1. Invest in real estate
2. Invest in stocks or mutual funds
3. Create a high-yield savings account
4. Invest in a peer-to-peer lending platform
5. Create an online course or digital product
6. Invest in a dividend-paying company
7. Rent out a spare room on Airbnb
8. Invest in a rental property
9. Purchase a rental property and lease it out to a tenant
10. Create a blog or website and monetize it through advertising and affiliate marketing.

ChatGPT 2nd try:

1. Invest in real estate through rental properties or REITs (Real Estate Investment Trusts).
2. Invest in dividend-paying stocks or mutual funds.
3. Invest in peer-to-peer lending platforms or crowdfunded real estate deals.
4. Invest in high-yield savings accounts or certificates of deposit.
5. Create and sell digital products or courses online.
6. Set up an affiliate marketing business to earn commissions on product sales.
7. Rent out a room on Airbnb or a similar platform.
8. Invest in a vending machine business or franchise.
9. Create and sell physical products on Amazon or Etsy.
10. Invest in a passive income-generating app or platform, such as a robo-advisor or a subscription-based service.

(6) Ultimate Challenge: Testing the conversion function

Conclusion

CHATGPT AI is quite powerful. It has generated the above answers within a few minutes after I have typed in the questions. The last part is the most amazing. It can talk to you like a real human being. Do give a try. Maybe one day we will have this kind of AI input into a real human being such that it can talk to you and behave like a human.

Actually, there are also more AI tools that are very powerful. Do you know that we can actually create images using text?

If we think deeper, in future what will our world become for our next generation? The world evolving so fast.

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

• Simplified Guide to the Key Gist of Grant of Probate and Estate Planning
• Cheapest and best way to trade Singapore Stocks with CDP
• Mastering Dividend Investing: 5 Evergreen Investment Principles
• Unlock Lucrative Returns with IAPD: A High-Yield ETF Providing 7% Annual Yield and Quarterly Payouts
• Unlock Lucrative Returns with SDIV: A High-Yield ETF Providing 11% Annual Yield and Monthly Payouts
• If I am a dividend investor, this is what I would do….
• 7 Things to consider before buy a dividend stock
• 4 Dividend ETFs that can let you sleep well even in the scary bear market
• 5 Best Counters for Passive Dividend Investing
• The Three MOST Important Traits of an Investor
• What is the best investment strategy in the world?
• Ultimate Strategy of buying REITS: XXX instead of X000?
• Ultimate Free 2 Days Reit MasterClass: Exclusive at Careyourpresent.com only!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

• The Best Advice to Parents and Child
• What if Later never come?
• What will you bring with you on your last day on Earth?
• Time is the ultimate currency, not money
• Our Life only have 5 short Days – we should live the best for every day
• Truly understand Living in the Moment now
• 11 Important Unexpected Life and Money lessons to learn from Your Children
• The days are long but the years are short
• Ditch your mobile phone to build real life
• Careyourpresent: Time is the most important
• Careyourpresent: What is your purpose of life?
• Careyourpresent : Greatest Regrets in life
• Careyourpresent : You might not believe it. It’s little unexpected things that make up a real life
• Careyourpresent: Something only happen once in life, if you missed it, it’s gone forever…
• Careyourpresent : Why is Gold useful?
• Careyourpresent: Frozen. Let it go!

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

• Telegram Group (Chat with me and other like minded people!)
• Telegram Channel (Get the latest updates on the markets/life!)
• Twitter
• Facebook
• RSS Feed

You may also contact me via [email protected].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

• Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
• WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
• MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
• Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
• FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
• Hostinger: You can use this link for hosting your new website. 20% off hosting!
• Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

Important Traits of an Investor

There are many traits that make a person successful in the financial world. Some people are natural born investors, but others have to work hard to gain the knowledge and skills necessary to be successful.

These three traits that I am going to share below should never be compromised in order to survive and prosper in the Investment Realm.

Current Market

Before I go ahead to share the 3 traits, let me talk a bit about the current market condition. Everyone should know that the market is has not been stable for the past 1 year or so. Most people are suffering investment losses.

Personally, I think this is a bear rally. Of course, bear market rally can go much longer than one think. However, I think the market conditions will worsen, and this could be real soon. Disclaimer: This is the first time in my investing history that I am holding such a unprecedent high amount of cash as war chest to take advantage of any pending crash.

Hence, I thought it will be great to share what I think will be the 3 most important Traits of an Investor in order to be successful in investment. Hope this will remind and get everyone prepared.

1. Patience

Patience is a very important trait because it helps you maintain your composure when things don’t go as planned. You need patience so that you can wait for the right time to make your move and not rush into anything just because you want to get rich quick. Patience also helps you wait for opportunities to arise so that you can take advantage of them when they do come along.

Many investors are impatient – they feel the urge to do something every time when the market opens. He or she must always click the buy/sell button else won’t feel comfortable. Are you one of them?

However, some time doing nothing is the best option. Quoting current market conditions as example, for those who keep buy the dip since early part of the early in Stock Market/Cryptocurrency, ask yourself if you are in profit now?

2. Courage

Courage is the 2nd trait that I want to share. If you can be a patience investor, the next thing that you need is courage when the real time come.

One needs to be brave to click the sell button when everyone is Euphoric (see those who FOMO and enter Crypto last year when BTC was 60k? Many were shouting 1 million for BTC. What is BTC price now? Those who bought US growth stock with 100x multiple earnings ratios saying that everything will keep growing).

One needs to be brave to click the buy button when everyone is panic selling. Did you buy during the 15k HSI Capitulation?

This is really not easy. Are you one of those that panic sell HK stock the day when HSI hit 15k instead of buy? You can refer to the post that I have posted earlier on HSI Capitulation on 24 Oct 2022.

3. Discipline

Discipline is another one of those very important traits when it comes to investing because without it there would be no way for anyone to stick with any kind of plan or strategy that they have set up for themselves. Without discipline there would be no way for anyone to stick with any kind of plan or strategy that they have set up for themselves because once you panic buy (FOMO)/panic sell, then you aren’t going to have anything left over for your investments when the time comes, which means that your investments will suffer greatly as a result.

Always remember to stay Discipline, stay on the course based on the plan that you have devised earlier when your mind is cool, without affected by any market conditions. It can be DCA index investing, buy on dip for dividend investing, set target price to buy hot crypto and then quickly sell off before the narrative dies off etc.

Do you have these 3 Important Traits?

These 3 traits are what makes a person successful in the stock market, but it is not easy to find these traits in one person. There are many investors who do not really have these 3 traits, but there are some investors who do have these traits and they are always successful in the stock market. The reason why they are successful is because they possess these 3 traits, and this makes them great investors.

Do you have them? If no, learn and practice and practice and keep practice. No amount of books/coaching can let you have these traits until you truly experience real market conditions with your own money.

Lastly, please remember.

A good investor is the one that won’t panic sell at very bad extreme market condition/capitulation.

A pro investor is the one that can go against own intrinsic desire to sell at very bad extreme market condition/capitulation and press the buy button instead.

Save this picture and keep these 3 Traits in your mind

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

• Simplified Guide to the Key Gist of Grant of Probate and Estate Planning
• Cheapest and best way to trade Singapore Stocks with CDP
• Mastering Dividend Investing: 5 Evergreen Investment Principles
• Unlock Lucrative Returns with IAPD: A High-Yield ETF Providing 7% Annual Yield and Quarterly Payouts
• Unlock Lucrative Returns with SDIV: A High-Yield ETF Providing 11% Annual Yield and Monthly Payouts
• If I am a dividend investor, this is what I would do….
• 7 Things to consider before buy a dividend stock
• 4 Dividend ETFs that can let you sleep well even in the scary bear market
• 5 Best Counters for Passive Dividend Investing
• The Three MOST Important Traits of an Investor
• What is the best investment strategy in the world?
• Ultimate Strategy of buying REITS: XXX instead of X000?
• Ultimate Free 2 Days Reit MasterClass: Exclusive at Careyourpresent.com only!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

• The Best Advice to Parents and Child
• What if Later never come?
• What will you bring with you on your last day on Earth?
• Time is the ultimate currency, not money
• Our Life only have 5 short Days – we should live the best for every day
• Truly understand Living in the Moment now
• 11 Important Unexpected Life and Money lessons to learn from Your Children
• The days are long but the years are short
• Ditch your mobile phone to build real life
• Careyourpresent: Time is the most important
• Careyourpresent: What is your purpose of life?
• Careyourpresent : Greatest Regrets in life
• Careyourpresent : You might not believe it. It’s little unexpected things that make up a real life
• Careyourpresent: Something only happen once in life, if you missed it, it’s gone forever…
• Careyourpresent : Why is Gold useful?
• Careyourpresent: Frozen. Let it go!

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

• Telegram Group (Chat with me and other like minded people!)
• Telegram Channel (Get the latest updates on the markets/life!)
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You may also contact me via [email protected].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

• Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
• WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
• MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
• Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
• FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
• Hostinger: You can use this link for hosting your new website. 20% off hosting!
• Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂