What Warren Buffet teach us in unit trust investment.

1. Someone's sitting in the shade today because someone planted a tree a long time ago.
~~ So, time is important to build your wealth that is sufficient for your retirement period and for your children.

2. Risk comes from not knowing what you're doing.
~~So let us start acting towards your retirement/ child education planning
~~ this planning will require to start early and knowing how much u need in that particular future

3. Price is what you pay. Value is what you get.
~~You pay min. RM1000, you get 10 times or even 100 times value.
(p/s: you buy blue chips- top 5 stock you wil buy with that RM1000) (tool: quarterly fund review, 20sen/copy)

4. I will tell you how to become rich. Close the doors. Be fearful when others are greedy. Be greedy when others are fearful.
~~ this is when Warren Buffet lecturing to a grp of student at Columbia university. He was 21 yrs old.
~~ Why close the door?? because people bside you (e.g. ur parents, close fren, bf/ gf, teachers, collegues, customers, newspaper, tv, radio, economist...etcs) will say negative words, and pull you down to become succesful.
~~ REMEMBER: BELIEVE IN GOD N YOURSELF (you are God's best creation) (no offend ya)

5. You’re neither right nor wrong because other people agree with you. You’re right because your facts are right and your reasoning is right—and that’s the only thing that makes you right. And if your facts and reasoning are right, you don’t have to worry about anybody else.
~~supporying to the above:BUILDING SELF CONFIDENT

6.There seems to be some perverse human characteristic that likes to make easy things difficult.
~~That's when people are worry about losing all their money with unit trust invesment. They are just worrying too much.

7. If you don't know jewelery, know the jeweller.
~~ If you don't how stock market work, find PROFESSIONAL fund manager to help, with minimum RM1000 only!!!
~~Public Mutual hasmore than 30++years in unit trust industry experience and still NO.1 in market share, what more to say?!

8. Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.
~~ No matter how bad is the market, DONT SELL OFF.
~~How to 'not losing money at bad market? DO RCA (ringgit cost averaging)

9. Most people get interested in stocks when everyone else is. The time to get interested is when no one else is. You can't buy what is popular and do well.
~~Haha. be greedy when others are fearful

10.Diversification is a protection against ignorance. It makes very little sense for those who know what they're doing.
~~ Diverse from Fixed Deposit and EPF
~~ Just a 10% from each to make a comparison. Period: 10 years. Fair enough?

11.Success in investing doesn't correlate with I.Q. once you're above the level of 25. Once you have ordinary intelligence, what you need is the temperament (好脾气) to control the urges that get other people into trouble in investing.
~~ Patient is needed
~~ time is needed (always mention period require for their planning)

12.I always knew I was going to be rich. I don’t think I ever doubted it for a minute.
~~BELIEVE IN YOUR DREAM THAT WILL COME TRUE, TRU PROPER PLANNING AND EARLY ACTION

13.We've long felt that the only value of stock forecasters is to make fortune tellers look good. Even now, Charlie and I continue to believe that short-term market forecasts are poison and should be kept locked up in a safe place, away from children and also from grown-ups who behave in the market like children.
~~So, tell the so-called 'experienced player' short term market forecast are POISON!!!!!

14. I never buy anything unless I can fill out on a piece of paper my reasons. I may be wrong, but I would know the answer to that. “I’m paying $32 billion today for the Coca Cola Company because...” If you can’t answer that question, you shouldn’t buy it. If you can answer that question, and you do it a few times, you’ll make a lot of money.
~~Understand what you invested.

15.We will only do with your money what we would do with our own.
~~That's my sales philosophy

16. The future is never clear, and you pay a very high price in the stock market for a cheery consensus. Uncertainty is the friend of the buyer of long-term values.
~~So, advice for long term investment. 5-10years. what to worry in 5-10 years? cos long term is a very good friend to uncertainties. U plan ahead, u clear your uncertainties. eg. retirement planning

17.For some reason, people take their cues from price action rather than from values. What doesn’t work is when you start doing things that you don't understand or because they worked last week for somebody else. The dumbest reason in the world to buy a stock is because it's going up.
~~ So, value your unit trust invesment as 1) blue chips with min RM1000, 2)saving plan for your retirement (early retirement) 3) long term investment to fight against high inflation rate...etcs u can think of

18. Working with people who cause your stomach to churn seems much like marrying for money - probably a bad idea under any circumstances, but absolute madness if you are already rich.
~~ I'm hunger for money, and God's wisdom. So, you must have that hunger too!!!

19. One’s objective should be to get it right, get it quick, get it out, and get it over... your problem won’t improve with age.
~~Work quick on your dreams. I'm working towards my 5years goal, and I achieved 1/2 of them in 2years time.
~~What's ur dream? How are you going to work it out? How long will you take?

20. If I was running $1 million today, or $10 million for that matter, I'd be fully invested. Anyone who says that size does not hurt investment performance is selling.(p/s hah! dont push too hard lar, cos other ppl may not appreciate your effort. To b honest, I'm fully invested) The highest rates of return I've ever achieved were in the 1950s. I killed the Dow. You ought to see the numbers. But I was investing peanuts then. It's a huge structural advantage not to have a lot of money. I think I could make you 50% a year on $1 million. No, I know I could. I guarantee that.
~~ So, what else more you want to say? Lets start investing.

Just a sharing, if feel offended, I'm SORRY for what I've said.
Thanks