十载投资,路在何方,扎根本土,放眼世界

Nuffnang

Wednesday, August 28, 2013

外资持股率

成也风云,败也风云。
水能载舟,亦能覆舟。

The same knife cut bread and finger.


Source:http://www.nanyang.com/node/543891

推出QE时大家唱衰,美国会倒,没有QE大家又怕,金钱游戏完了。对它又爱又恨吗?

Tuesday, August 27, 2013

Wednesday, August 21, 2013

Invest Share or Property


This question is often asked. Invest in share market or real estate property.

Some answer is share, some said property.

We used the statistic data for comparison.

Scenario 1:  Buy a completed house at price RM 400,000.  pay 10% for down payment, the rest borrow from bank with 4.2% interest rate. The house is rent out with 3% rental rate. 5 years later sell the house, how much the investor gain.


Based on Malaysia Housing Price Index, the house price rise between 2 to 12%. The mean of 10 years is 5.6%.

After 5 years the house price rose to $561,000, sell it and reduced outstanding bank loan, thus simple gross profit included rental is $263,460. and net profit after deduct down payment and installment is $106,096. Does this profit return excited you?



Now, we compare what if invest in share market.


Above is past 5 years KLCI performance chart, assume same scenario with initial investment $40,000 and yearly saving $23,473 to investment, plus dividend yield of 3%.


After 5 year, the investment portfolio is appreciated to $310,891 and the net profit is $153,527. Amazing!

From the figure above shows invest in share market is better than property. Bear in mind, there is some risk in investment either share or property.