I am stupid and can't understand what you are saying.
Please make comments on my financial state : 1. I have no mortgage nor loans. 2. I have a little 016.HK, 3377.HK and some HK REITS. 3. My investment portfolio members have brought to me some dividends.
Questions : If HK interest rate steadily going up, am I taking risks ?
I think if dividends income cut a half is "not" a new issue for many sohpisticated investors; but for ordinary low income workers, if monthly salary cut a half ...... it will be a disaster!
Value Sir surely would not be worried about the later because you are not monthly-salaried people.
It's hard to believe that you are an ordinary salaried people ...... you always have cash to buy stocks and seldomly sold out! ...... and it needs time to answer my enquiries during office hours!
Besides, why not retire? (I guess your job give you a relatively very high remuneration and job satisfaction.) You may not answer this. ^_^
Unlike 012;083;017;1813;1098;... , although 016.HK "have not" bought high-cost lands for last 6 months(i.e. in 2017), its share price trend is still relatively weak.
Yesterday Mr.Thomas Kwok PK requested the management for "doing better", I think 016.HK management should seriously consider "shares buyback" + "pay more dividends".
狼來了多次，投資者都麻目了。
回覆刪除無論狼是否來，我估我永遠都有綿羊基因。
刪除Student says :
回覆刪除Value Sir,
Good Afternoon.
Can you clearly explain to us what "protections" you have established ?
This is a very interesting issue.
槓桿，地產權益，現金流
刪除向三大範疇作長遠的思考準備，若能對這三點出發，你已能避開極大的危機。
Student says :
回覆刪除Value Sir,
I am stupid and can't understand what you are saying.
Please make comments on my financial state :
1. I have no mortgage nor loans.
2. I have a little 016.HK, 3377.HK and some HK REITS.
3. My investment portfolio members have brought to me some dividends.
Questions : If HK interest rate steadily going up, am I taking risks ?
簡單一個假設，你所有資產跌一半，包括人工，股息，你自問頂得住，我估都OK。
刪除我自問頂得住，對生活無甚影響。
刪除Student says :
回覆刪除I think if dividends income cut a half is "not" a new issue for many sohpisticated investors; but for ordinary low income workers, if monthly salary cut a half ...... it will be a disaster!
Value Sir surely would not be worried about the later because you are not monthly-salaried people.
因此成熟的投資者需盡早建立一個穩健強大的現金流組合，令現金流入更多元可靠。
刪除我只是普通打工仔。
刪除Student says :
刪除Value Sir,
It's hard to believe that you are an ordinary salaried people ...... you always have cash to buy stocks and seldomly sold out! ...... and it needs time to answer my enquiries during office hours!
Besides, why not retire? (I guess your job give you a relatively very high remuneration and job satisfaction.) You may not answer this. ^_^
Thanks.
哈哈！
刪除不能退，因為家庭開支大，一人揾食，又有小朋友，未有足夠Buffer。
但源源不絕不能講，慢慢買，審慎買，總有現金係手，基本上，我持的股，即使經濟出現大震盪，亦很難不派息。
刪除如果唔派，幾乎可以話香港死得。
刪除Your target is 10 M only?
刪除What can give you regular cash flow, apart from stock interest
Do you want to buy bond in future?
Sam
當然不是，其實金錢價值會浮動，目的是財務自由。
刪除我主要收入來自股票，將來或許會買債券，尤其當息口較穩定。
現時的定期及債券投資是人幣。
只要利息以正常步伐去加, 總好過現今極低息環境令資產過熱, 一旦有泡沫而爆破將來相關公司股價大跌, 比起加息影響更甚
回覆刪除息口敏感股不多不少有影響, 但也是一個好機會去看哪些公司依然能夠交出令人滿意的業績
本人亦重倉地產股, 但希望加息令樓市降溫, 更健康地發展, 較早前樓市熾熱的氣氛反而令我不安
我同意正常的貨幣環境會較好。
刪除其實，樓市降温對地產股不算壞事，它們更能預視風險回報。
我同意震盪時能選出好股，這時很好的試劑。
你與我看法頗接近。
我是相信資產過熱是會爆煲的，德銀已出報告説樓價10年跌一半，我覺得跌三分一或四分一是有可能的。
回覆刪除派息大減也不是沒可能，但只要知道94年美國加七次息，中電不計股息已在當年下跌了四成，有了這心理準備便可以。
我只是路過, 我認為現時全球經濟唔存在爆煲的. 美國大量QE 歐洲日本都QE 資金泛濫, 資產價格會不斷上升, 勞動力價值不斷下跌, 直到QE 創造出黎既資金去到一個臨界點, 才會有機會爆煲的. 舉個例, 一個pool 有100蚊, 銀行可以將90%借出去. 即係個pool 最多只可以有1000蚊. 當去到接近1000蚊才會爆煲. 全球QE 個pool既錢係幾可級數上升, 臨界點只會不斷上升. 你可以睇到美股10年來升左150%. 仲未見頂, 香港樓市高處未算高. 爆煲只會發生於冇qe 既時代, 加上體制不成熟才會有股災, 如97, 08年.
刪除我只是一個小小的分析員.
美國當年次按因為高槓桿, 資金去到一個點, 資產價格無法再上升, 就爆煲. 宜家全球經濟復甦, 你看看匯豐的MPF 既YTD 都升2x%, 股市非常旺, 冇貨係手, 只會跑輸大市.
刪除To Manfred
刪除資產及派息作一點壓力測試始終無壞，令自己更清楚財務及心理狀況。
To Leung Jan
刪除你是假設有QE，不會爆，現在好似是在縮表，證明QE不是一個免費午餐，否則不是永遠不縮表更好，這可佔盡便宜。
經濟很古怪，你永遠不會清楚這Pool的形狀如何，會發生任何變化，如果你住在這Pool的村落，你就要小心。
To Leung
刪除經濟差，谷QE，谷高資產
經濟復甦，.......
自己想啦。
Student says :
回覆刪除To Value Sir and all 016.HK shareholders,
Unlike 012;083;017;1813;1098;... , although 016.HK "have not" bought high-cost lands for last 6 months(i.e. in 2017), its share price trend is still relatively weak.
Yesterday Mr.Thomas Kwok PK requested the management for "doing better", I think 016.HK management should seriously consider "shares buyback" + "pay more dividends".
Do you support my suggestions ?
我同意新地升勢仍然很克制。
刪除我相信管理層能管好現金，適當時候會做適當東西。
曾經有記者問新地，很多中資搶地你們少了機會，主席講，我們新地大把工作要做。
新地多次在高位配股，它熟悉資本市場。
我理解近一二年，新地賣樓套回不少現金。
可惜新地搶不到啟德塊地！但還有機會。
另外，新地的派息有增長趨勢。
刪除