usd 24 的效益。。usd24 到底它的价值是多少？

最近又回到了外汇市场从新开始外汇学习的生活,近来因为做工和学习股票的关系,所以离开了外汇市场快要一年了. 我用usd 24 top up 了以前所用的 real account,再计划了一个简单交易模式， 我的交易就开始了。usd 24 到底可以让我得到多少的盈利，可能一开始我觉得它太小太少了，为什么不用usd 1000 开始，不过我想了好久，用usd 24 真的会让它变成一百万马币吗？在我计划的模式里，它是可能发生的，那只有在复利的效果下，它的确可以把usd24 变成一百万马币。 选择以usd 24的原因是它 对一个投资者来说，它是完全没有压力的，所以我可以把这模式当着是一个研究，一个没压力的研究，那就可以完全根据我模式里所定下的条件进行我的百万盈利游戏。如果你下的资本太多的话，压力就会加重，那你会较容易失控，而且很难根据所计划好了的模式进行交易。

我的交易模式就是那么的简单：

资本：usd 24，
Risk return ratio: 1:3 0r 1:2.5
indicator (指标）：SMA （simple moving average)= 5, 10, 20

我会把usd 24 四对（4 pairs): A, B, C and D , 每一对里会分到usd 6。然后我会启动第一对A， 我会把A里的usd 6 再分成三个交易，就是说usd 2 一个交易。当然我每一个交易都会配合 1：3的RRR（risk retun ratio) . 你可以选择好多indicator 如：CCI, ADX,SMA, EMA, FABONACCI OR BOLLINGER BAND 等等来做进场的考量，但我常用SMA来做进场考量。

好简单，分成了4 pairs 也代表我有四条命，如果A的里的三个交易都全军覆没的话，我会启动B。只要在A里的三交易里我成功了一个交易，就会回复我失去了的两个交易。如果两个交易成功的话，我就有多六个交易权。

我的模式是累积交易权为主。不停的累积更多的交易权。简单来说，只要我每一轮的交易有40%的赢面，我就成功的启动着我的复利engine 了，比如：

我有十个交易权，我输了60%，就是说我赢了40%，通过RRR1：3，那就是说我没输到的，我还会有十二个交易权，因为输了6个交易权，另外的4个成功（4X3=12）。那如果说我的赢面可以维持在40%-60%的话，通过二十轮的复利，一对=usd 6 可以变成差不多113，800 马币的。 当然这是一个假设，因为当你复利到第5次时，你会面对一个问题就是一天要做太多usd2 的交易了，那时你可以选择把五个交易变成一个交易Or adjust 你的 leverage.

这交易模式是适合比较耐心的交易者， 也可以给新手学习的，因为没那么压力的。

生活在一个规律的世界

不知不觉就这样毕业了一年了,也就这样的做了快一年的工了.终于让我真真感受到日做而出,日落而归的道理了.你有没有选择权说我不要这样的生活,我需要一个和别人不一样的生活方式,不需要早早起身,还没开眼睛就要被灯光的光线给刺激得疼痛,然后发着梦的冲凉和洗脸.一边开车一边咬着面包的听着电台,这样的生活是充实还是折磨.我只能说如果你对这分工有兴趣的话,那是百分之一百是值得的.那如果你真的是为了找一两餐饭吃的话或是为了生活上的需求:吃,住,车,玩等等的话,那我担保那是一个折磨,尤其在现在那么文明以及那么现实的世界里,我们就好像失去了灵魂的人类,每一天都跟着社会所定下来的脚步行驶着.我曾经在LRT站看到一位在坐着等待LRT 的office lady, 从椅子上整个人倾向后方的掉了下来，是两脚朝天，是谁呼唤着还没睡醒的小姐来到这里等LRT呢?是谁把这世界变得如此的现实?那是思想,知识,金钱所制造出来的权力,就是这一股权力让我们掉进了那么有规划性的生活习惯里动弹不得,你可以选择不做工,每一天睡到自然醒,然后站着在有阳光光线的窗口前,一边泡着咖啡听着歌吗?答案是可以.一开始我们是需要改变和一般人一样的思想,然后行动和坚持的累积我们要的知识,接下来你就会得到你想要的金钱以及权利了.

说起来好像好简单是的,但如果我们看了<<The Master Key System>>/ <<万能钥匙>>作者所写到的一章，运用了人体精神学来讲述一个人的思想如何可以达到成功的目的地。每个人的身体都会有一个会发出光芒的太阳丛，太阳丛会是第一个接受到大脑所传来的消息，然后再通过神经线把信息专递到身体的每一个部分。如果我们的太阳丛所发出的光芒是强烈的，它将会加强我们身体的每一个细胞，使我们更有自信的完成大脑所发出的信息。久而久之我们体内的太阳光芒就会从内而发，那就是我们可以在成功人士上所看到的自信光芒。这是一本非常好看的一本书，曾经也因为有钱人为了不让其它人看到这一本书，把它的版权给卖了下来把它成了禁书，在当时一本被炒得上三千美元一本。

我向老板交离职信时，他问了我为什么离开，我说了可望和思考让我必须要离开这一个环境。对我必须要到一个适合我的环境，一个我有兴趣和会让我产生热情的环境。如果一个你要做一个你不想又不喜欢的事情，那你千万不要开始它。让我们做我们想要的东西吧，它会带我们走得更舒服和开心，使我们得到我们想要的知识，然后解脱社会所定下来的规则，因为我们拥有了选择权。

让投资带我们去得更远.我就是那么爱它

   

   这 三年的生活，对我来说是非常的充实，可能对其它他人来说是非常闷气的。我是一个普通的大学生，读的也是普通的经济科，更没太多的夜生活，大学的活动更不用 说，没参加过。但这三年里我比大学里的夜鬼朋友早睡，为了就是要早起，看公司的年报，幽静的一边喝着咖啡，一边的看年报和做记录，看完了再来一个跑步，是 多么美的一天开始，但我昨晚打机，MSN 和FACEBOOK 的室友是睡得多么的甜。我不太注重成绩，也不会为了一两分和老师讨价还价，只要我觉得不会拿到太烂的成绩就可以了，发现同学们好像读小学那样的为了一个A 来读大学那样，我第一次感觉到教育的失败。

假期工(semester break) 

我 好少做过假期工，但我没浪费过我假期的时间，利用这些时间吸收更多的投资知识,有更多的时间陪伴我的父母。其实每个学期我都会和一两个朋友和校学拿 SURVEY PROJECT 来做，因为要外出做调查的，还要在太阳下一间家一间小学的调查，所以没有几个大学要接来做的，这样的机会就给了我们，每一个学期的WEEKEND只要有空 我们都会做一次调查，只要做五次，我拿到的工资已经可以不用做一个月多假期工了。那样我就有更多的时间学投资了和做我喜欢的事。

储蓄 

储蓄对我来说是非常重要的，在我离开大学的那一天，我个人资产已经达到了四十千。四十千是从中二时开始储蓄的，当中做过餐厅服务生，割胶，放肥， survey和拿政府的奖学金和妈的零用钱.买了我人生的一个基金。时常会到BANK做定期存款，因为那时还小不知道股票的美，金的好，知道过后原来是那么的美好。

朋友 

有 思想的朋友对我的人生充满了意义，我不停像他们的优点学习，二十岁过后的我们交的朋友一定要有品质，再也不是那些天天吃喝玩乐的朋友了。对朋友不要太过计 较，要时常保持谦虚，那他们会更加的乐意的帮助你和成为你的导师。一个有思想的朋友好过10个吃喝玩乐的朋友，你的一生必须要遇到这样的一个诸葛亮。要记 得不一定读到书的人才会有思想。

生活 

毕 业了，一定要找一间好的公司，好的工资，好的富利的工作。这样就代表了成功，然后麻木的打了几年工，买了一架车，再买了一间家，再结婚了。这时后你才发现 再也回不了头，你欠了一屁股债，你无形中为bank打工，你开始想回到以前，但你再也回不到了，你需要这份工来还债，孩子们的教育费，可能你也忘了照顾你 家乡的父母了，这样的生活是你要的吗？我不停的通过投资，不同的方法和计划，希望早点离开这充满贪心和忧虑的城市生活，我要早点找到回家路，我那可以轻松 看着太阳升起和太阳下山的家乡。在我毕业后的第三个月，我买进了人生第一间家，开始了第一个出租生意，我没想过要自己去住，这样的话我又多了一个工人为我 打工了。这样的投资方法可以为我得到一年25%的投资回报，几年后再把它卖出，就有多一笔钱投入好的公司了。好多人卖了以前的家，会买更大间的家来住，千 万不要这样，它会让你更回不了头。我可以越住越小，越住越偏离成市，这不是代表我不成功，这是代表我离我的家乡越来越近，我开始得到产物自主了。我的钱没 为债务服务，它们不停的通过复利为我的口带里服务。

思想

二 十岁以后的我们必须尽量利用我们头脑，不停的思考什么是现实的什么是幻觉。我可以说这个世界是被现实的人控制着的，因为十巴仙的现实的人是那么聪明的玩弄 着八十巴仙愚蠢幻想的人。比个例子：好多人的父母亲都爱为MAGNUM，TOTO，KUDA 等等打工，他们相信一块钱可以在一天的时间做出2500%的 RETURN。我只相信一块钱买了Sport toto在通过时间才可以赚起100%的RETURN。如果他们把投机在万字的钱拿来投资Sporttoto上，那是多么的美好。有的人把一生辛苦赚回来 的几百千都送给了聪明的人，我明白他们是那么的幻想，多么的无知。改变你的思想，你的人生就有所不同。

            希望各位朋友们早一点找到回家的路。我们一起离开那八十巴仙，改变我们的未来。

                                                                                                                             (我的未来不是梦)

                                                                               

(追求一个明确和安全的投资方式)

佛祖说过: 要成佛可以通过几万种的法门,只要按照正确的方式,通过时间的考验,要成佛那是一定的事.

     我个人对于投资的理念是来自Benjamin Grahame, 不那么在意市场短期里的变动，不停的寻找值得投资的公司，当然Benjamin Grahame 大师对于值得投资的公司持有比较高的条件，可能在马来西亚的股市里比较难寻找到， 我个人在条件上放底了一点。按照Benjamin Grahame的投资方式，我建立起自己个人的投资方式，不停的从 Revenue，ROE, Net tangible asset per share, operation cash flow 等等里寻找好的公司 。在这一年的投资里得到了12%的成长，为了更加接近Benjamin的投资方式，我把大部分持有的股票给卖了出去，重新的计算和记入完四十三间交易所里的种植股，现在已经完成了二十四间的。可能这样会比较吃时间，但可能对我来说那时间是值得的,我不要我的资金(朋友)因为我的贪心和随便投资给牺牲了. 这样的话,我就可以清楚的利用每一只我明白的股,那一只太高估,太低估,再配合市场的走势进行逆向投资.少听别人説那一只很好那一只不好,因为那是我的钱所以我要自己去证实,.听别人的话如果输钱的话,那些人不会帮你出一分钱和可怜你的. 坚持你正确的投资理念,不要放弃它,不停的运用它,带你到最后的不是一只好的股票,是一个明确和安全的 投资方式.

Banker as a devil

As we know that Bank has provided numerous services, which make convenience  to our life such as saving account, fixed deposit, unit trust, credit card, gold investment and so on. Therefore, people have believed that banker as a protector to their capital and wealth.

In the past, people like to save their money in bank and believe that it is a good solution to preserve the value of money. For example, banker promises to give interest rate for savings that contributed by loyal customer.

Actually, banker is a devil to erode our wealth through their professional and genius team.  Banker employs higher qualification or professional people such as lawyer, accountant, economist, investor and so on. The team will set various games with a lot of condition, term, act and so on to protect the banker and assisted banker to snatch our money. I am calling these games as genius and stupid game, which created by banker. Stupid group represented by loyal customers who like saving their money in bank and genius group represented by evil banker. As we know that genius group will promote many games such as saving account, fixed deposit and so on to attract loyal customer in stupid group to fall into their designed game, and then take a chance to snatch the wealth from loyal customer.

I just show a simple example by using genius and stupid game here:

Genius and Stupid game:

Stupid group fascinated to evil banker, who promises give back less interest rate to money or wealth contributed by stupid group. People like to say that they are not expert on investment and just believe to professional banker, and believing them to escape the financial problem.

I am using fixed deposit as my example and assume saver A puts RM 30,000 in Bank B for 15 years. Besides that, Bank B promises give back interest rate with 3.0% each year to saver A of his/her saving. Based on the computing interest in the each of 15 years saver A would get the RM 46,739.02 . In the other hand, Banker who represents the genius will use their professional team to enhance the earning capacity of the capital obtained by saver (stupid group). Based on the compounding interest, Banker B able to generate 5 times of compounding interest (CI) in a year and generate 95 times (CI) through their genius employees in total. Finally, in the end of 15 years Banker will get RM497,344.82. As a result, genius and stupid game has shown that RM 46,736 .02 will generated by stupid group and RM 497,344.82 will generated by genius group.

Are you believe the banker? “RM46,736.02 versus RM497,344.82” is definitely a big gap here.  This big gap will continue to reveal the concept of “ 80 % people controlled by 20% people in the world”. The only one solution to escape from the 80% people (stupid group) is investment and try your best without depends on evil banker.

Peak Performance Share Trading

     Table: Trading Plan

            What knowledge I can share from this simple table? You might said it is simple and there are no knowledge that can emerge from it. Please remember the main concept for share trading market namely  the efficient is coming from simpler methods. Thus, let me introduce that knowledge and skills that you must be learn from here and make a step towards a disciplined and successful share trader. Before I start, u must obstinately remembers that there is no  any predictions for the share market and "share win" in your trade has been involved. The prediction only will make your judgment to be more complex and confusable and finally leads you  into a dangerous situation. Therefore, please do not be a victim of the useless prediction because  we are surrounded by uncertainty and what actually we should concern is the real and present trend of the market.

            Every time when you buy a share, I suggest u draw a similar table as above. By doing so, you can establish a limit line (stop loss) and it help you control your action without affected by any psychological factor. Another important element in the table is the first stop loss and take profit. Both of these elements you must set instantly after enter into the share market. 

From the candlestick chart above we can find three types of different prices which are entry price, target price and stop price. The stop price will send you a message to leave the market immediately when market price reached the stop price level. For instance: RM 2.70 as a stop price. Please follow the strategy that has been set initially and leave the market after market price dropped over the stop price. Thus, don’t be a naive trader to expect the price will recover and it will make u fail in the share trading. As an investor, we must try to minimize the loss but not always look of the profit because profit is built on a strong management for  your loss and capital preservation.

                 According to the figure 2, it shown a mistake make by an undisciplined trader when he/she hoping that the market will recover after it s sharply drop over the first stop loss  which set initially, that is the red colour line in the figure. Finally, she/he will obtain the unwilling and heavy loss. For instance, if you enter the market with RM2.90 per unit and u bought 1000 unit and the totally payment is RM 2900 without the broker fee. I assumed u is a disciplined trader and you  will close the market when reach the first stop price level with a totally loss of RM200. However, some of the trader will hope the trend or price will recover after the downward market trend. As a result, it is always contrast with what people expect the market price is continually dropping and it will make the trader afraid and regret for their mistake. For example, they stop the market below the stop market price with RM 2.50. Therefore, total loss will be RM400 and lost more RM200 than disciplined trader.

            Similarly, when the market price reached the take profit/ target price and u better sell and closed the market. As we know that exceeding greed and hope will erode our profit initially. As a result, we can persistently make the profit for share trading market.

            Finally, please establish a plan before enter into the share trading market and be patient and disciplined with your plan that set initially. Besides that, remember there are no prediction and doubt in share trading market. Therefore, the present market trend is the only one we can believe and just focus what the market doing now.

What lesson to be learned?

It was a “bad day” for me on 2/3/2011. I’m feeling so afraid and guilty as lost the money in share trading. What are the things that cause me lost?  Finally…I realized that I entered the share market without a complete and well- planned strategy, and it was made me should compensate on the fault I made in that trading. According to a book I read before, namely the << Master Day Trader>>, people need a plan before they enter into the share market, or more specifically speaking, a plan of stop loss (break) for the stocks have bought. I knew it, but I did not apply it in my trading this time.  What actually caused me distracted from the that makes me fell into the deep hole. I lacked discipline on my attitude when the stock price dropping as I hoped that it will go up again later on and bring some profit for me. Now, I felt really regret with the expectation I did that moment, frankly I shouldn’t predict the movement of stock price because the volatility and uncertainty of the stock price will maze our judgment. Therefore, I get a value of this incidence that is we need to stop and sell the holding stocks immediately. This is the best way to help us escaped from the dangerous and uncertainty I believed that there is nothing important than keeping the capital…. situation. basic theory I learn before? It must be a terrible thing

Share market seems like weather: it can be shiny, rainy, windy and foggy. We must set a clear strategy when enter into the share market with catch the mood of market and then only it will bring more pleasant for us. I must be learnt and be always aware from my fault and remember that without a clear strategic and plan, I wouldn’t leave my position and do any dangerous step.

People who believe that they are not been disciplined might better to have a six-foot-high boulder in their pathway. Therefore, we must believe the truth that disciplined person can collapse and let the pathway open again. For example, chip at that boulder by taking off one chuck at a time and moving it to the side. Next time I hope that when I ask myself a question: Do I change my attitude with firmly discipline? Then, I can answer with a resound: “I am”.

 Finally, I hope anything will be better off in my share trading pathway. ( Be A Disciplined Trader^^).