Thoughts on Investment and Money built on a Christ-Centered Mindset

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Deep diving into your investment

"You should understand every aspect of one business as if you own 100% but you don't actually run it. This causes you to be desperate to understand every aspect to protect your investment. That will give you a sense of a disciplined approach. That's how you truly understand business and investing." Li LuLi Lu goes on to say:"Investing is about predicting the future, and the future is inherently unpredictable. Therefore the only way you can do it better is to assess all the facts and truly know w...

July 16, 2021

Life is Messy

It may not appear so because of the social media "highlight reels" we live in these days. It used to be that you would look at the lives of the rich and famous and it would be "OK" because everyone else is "normal". However, today EVERYONE else seems to be living exceptional lives because we only see the happy, glamorous bits. Now, it doesn't feel OK anymore because even our friends are living the lives of the rich and famous! You might have seen pics of my garden, trimmed hedges and manicured ...

July 14, 2021

How to STAY on the Investment Train despite the emotional roller coaster

"I'm not emotional about investments. Investing is something where you have to be purely rational and not let emotion affect your decision making - just the facts." Bill Ackman Easier said than done!!! Was just talking to my coaching group about the stock market being sometimes a roller coaster ride, driven by the emotions of the market participants.  However, you can see that as a FEATURE of the market, and the PRICE of entry. If it were that easy, everyone would just get on and be done wi...

June 9, 2021

Discernment Part 3: Gathering and Assessing Information

Discernment Part 3 (extract from Pursuing God's Will Together by Ruth Barton). I've been camping on this for a while now, because we are always making decisions. Some minor, some impactful. Barton created a list for gathering and assessing info that I think will be helpful for you (slightly rephrased and summarised): 1. Does it fit with the overall direction and calling for your life?2. Which choice brings a sense of life, peace and freedom?3. What is your most authentic desire in relation to th...

June 5, 2021

What is RISK when it comes to investing?

What is "risk"?"In my view, the biggest investment risk is not the volatility of prices, but whether you will suffer a permanent loss of capital. Not only is the mere drop in stock prices not risk, but it is an opportunity. Where else do you look for cheap stocks"? Li LuWhen I was in school, I was taught risk is the VOLATILITY of an investment. Or, how much it goes up and down in price. But if you think about it, the act of JUMPING up and down on the street is not necessarily risky. It is risky ...

June 4, 2021

Discernment Part 2

Notice without judgingFollowing on last week's post on discerment, according to Barton, the next key is to "notice everything pertinent to the situation...without judging."At a recent presentation, I also touched on how thinking / meditating is one of my favourite activities nowadays. Maybe I'm getting older. But when I meditate or think, I try and not pre-judge any outcome. Strangely enough, I've been getting what I feel are better insights!Sometimes the insights are about relationships I need ...

May 29, 2021

Elements of an Investment

"Table for 1 please!" In the socially distanced world, COVID has changed so many things we do or say eh!  But investing has not really changed. WHAT is an investment? MMM has the following to say: "...an investment is something that delivers value to you (and preferably does some good in the world as well), and produces products, services and eventual dividends that would make it worth holding for a lifetime even if you were never allowed to sell it." Mr Money Moustache Why did I share that...

May 27, 2021

Discernment Part 1

Have you heard of the "Prayer of Indifference"?I've been reading a book called "Purusing God's Will Together" by Ruth Barton and I thought one of the sections would be interesting to you. It is about spiritual discernment but could equally apply to your decision making process.There are several dynamics of discernment, but the first and foremost is becoming INDIFFERENT, in a positive way.Barton says it is about "interior freedom", where we are "free from undue attachment to any particular outcom...

May 22, 2021

Investment and Money lessons I would tell myself 20 years ago

A friend invited me to share with his youth group and I thought it would be a great idea to share what I would tell myself if I could go back in time!  I cover topics about my faith journey, finding a mentor, making career choices, how to handle money and how to invest. We also had a Q&A session where I answered questions ranging from retirement to cryptocurrencies etc. Quite a bit to digest! Enjoy! #money #invest ...

May 14, 2021

Businesses need to think long term. Investors even more so!

"industry, by nature is long term. And the fund management business, by nature, is short term.... The success of industry is that you always think long term...... you take the long term decision as if you were to be the owner forever, that is healthy for the industry and therefore our shareholders. " Kristian Siem If you're an active investor, you've probably not heard of Kristian Siem as well. That's because he is more of a businessman, but I have been learning that some of the the greatest in...

April 9, 2021

Short Term Randomness, Long Term Predictability

The shorter the time frame, the greater the randomness of the market. What do I mean? In the long run, the performance of a company's share price will be very correlated with the earnings growth of the company itself. However, in the short term, it is dictated by the moods of people who are betting on whether the share price will go up or down. The shorter the time frame, the more emphasis there is on trying to figure out what other market participants will do, and try to profit from that, rat...

April 7, 2021

Ruth Truth 23: Leaving a selfless legacy

Wow! After 22 posts from the book of Ruth, we are now in the final chapter and the climax of the story! Boaz is now offering to redeem Naomi's land (and Ruth) but there is someone in the way. Another kinsman redeemer who technically had the "1st right of refusal". There is actually a very beautiful story here of how Boaz is a picture of Jesus, that redeemer being the law (notice the 10 witnesses) and Ruth and Naomi being the Church and Israel respectivley. But that is for another day. However, t...

March 28, 2021

The trick to Investing is simple

"the trick is to get more quality than you pay for in price. It's just that simple." Charlie Munger It really IS that simple! Isn't that what you do in the supermarket or anything that you buy? Why would you part with your money otherwise? Unless you felt you would get more than you paid for? Why should investing be any different? You can:Get free intro investment training and articles: https://www.joshuafong.com Join the conversation at: http://bit.ly/FaithFinanceGroup...

March 26, 2021

Allow the stock market to surprise you

"Allow the market to surprise you." What do I mean? We talked about laser focus to help us select what IN OUR VIEW could be great investments. What we need to do next, is let the thesis play out. If you have taken the right steps so far, there should be a better than even chance that you have selected a decent investment. However, being the humans that we are, we often want the idea to work almost immediately. Unfortunately, that is now how investing works. Investing is a process of slowly, s...

March 25, 2021

Ruth Truths 22: He will not rest until...

"Wait......the man will not rest until he has settled it today." Ruth 3:18bWe talked about WAITING last sunday. THIS promise is why we can wait.Boaz is a picture of Jesus in the book of Ruth. I don't know if you've noticed, but Naomi's heart and attitude seems to have been slowly changing. Remember she was feeling very bitter initially? But in recent days she has been advising Ruth, and now has so much confidence in Boaz!Back to Boaz. Noami is now confident that Boaz will not rest until he has s...

March 21, 2021

Do stocks or real estate provide better investment returns?

Do stocks or real estate provide better returns?John Authers concludes: "The bottom line is that housing is restored to the position we might expect, with returns ranking between bonds and equities. Housing is lower risk than equities but, as Keynes surmised, once you look under the hood at volatility and expenses, it’s not the free lunch it may appear."What do you think?https://www.bloomberg.com/opinion/articles/2021-03-17/keynes-s-theory-of-property-risk-backed-by-endowment-dataYou can:Get f...

March 18, 2021

Ruth Truth 21: It's ok to wait

"Wait, my dauther, until you find out what happens......" Ruth 3:18aWow...the story is reaching a climax. If you have been following my series and reading the book of Ruth, you will know that effectively Ruth had made the first move and for lack of a better word, in my view, "proposed" to Boaz.But put yourself in Ruth's shoes. It is now an extremely vulnerable time!I am not familiar with the customs of the day, but imagine you've taken some action, and is now left hanging, not knowing what will ...

March 14, 2021

Ruth Truths 20: Practicality has a place

Ruth Truths 20: Practical steps have a place "Wash yourself therefore, and anoint yourself, and put on your best clothes, and go down to the threshing floor; but do not reveal yourself to the man until he has finished eating and drinking." Ruth 3:3 I love how the Bible just records everything, warts and all. And at the same time, has very practical advice.  Christians often try to spiritualise everything, as if that would make it kosher. Don't get me wrong, I am all for being led by the Spi...

March 7, 2021

Is the stock market "weird"?

Isn't the stock market "weird"?Each time someone sells a stock, someone is on the other side buying. But they both think they will be right! Otherwise they wouldn't have bought or sold respectively right?OK, that's half in jest. What I'm trying to say is, when you invest or sell, be humble and aware of the fact that you could be making a mistake.It's OK to be confident (in fact necessary) in your decision making process because otherwise you should not have done it. Do enough research to build c...

March 3, 2021

Small Steps to Big Changes

What an AMAZING SESSION THIS WAS!!! I really enjoyed chatting with Kenneth and learning business tips on growth and mindset. My big takeway: Make small changes, register small wins, and then keep winning! Be "solution focused" and LEVEL UP! I am confident there is something valuable you can take away in this interview. Some resources to help you:You can purchase Kenneth's physical or ebook: Small Steps To Big Changes from https://smallstepstobigchanges.com/ If you would like Kenneth Kwan to work...

February 28, 2021

Ruth Truths 19: Are you teachable?

Ruth Truth 19: Are you teachable?"So Ruth stayed close to the servant girls of Boaz....and she lived with her mother-in-law" Ruth 2:23Naomi had just given Ruth some advice to stay in Boaz's field and Ruth heeded that advice. Theoretically Ruth was the "bread winner" of the family now. She was the one who went out to work and make money. Naomi was now dependant on Ruth for her livelihood so Ruth could be the one calling the shots. Ruth could have thought to herself she will just go and find ...

February 28, 2021

Is it foolish to run a concentrated investment portfolio?

Is it foolish to put all your "investment" eggs in one basket? One key benefit I have found about a concentrated portfolio is the FOCUS and DISCIPLINE it brings. Do you know it is extremely "easy" to buy stocks? All you need to do is open a brokerage account, fund it, click some buttons and off you go! However, because it is sooo easy, many people don't take it seriously enough. They will spend days, weeks, even months researching the latest car they want to buy. But have no qualms listening to...

February 24, 2021

Ruth Truths 18: Are you tempted to take it easy?

"So Ruth gleaned in the field until evening. Then she threshed the barley she had gathered...she carried it back to town..." Ruth 2:17 Don't stop.  By this time, Ruth was noticed by Boaz and he was showing her a lot of favour. He provided lunch and also instructed his workers to be kind and protect her.  It seems like she can now "take it easy" and coast along.  However, she didn't. Ruth continued working hard, all the way until evening and then carried whatever she had picked up ...

February 21, 2021

Ruth Truths 17: May you be richly rewarded!

"May you be richly rewarded by the Lord...under whose wings you have come to take refuge." Ruth 2:12I can talk about money, investing, real estate and stocks all day long. That's my passion and I suppose my gifting. The danger is this. It is easy to place our confidence and trust in what we have and our own abilities. In fact, the MORE we HAVE, the greater the danger that our wealth can HAVE US. Ruth was working in Boaz's field and in a way, Boaz is the one "being kind to her". But Boa...

February 14, 2021

"Is your money gathering digital dust?"

"Is your money gathering digital dust?" Kenneth Kwan Loved it! Was having a chat with Kenneth and the topic of investing our money came up. Its so true eh? In the current low interest rate environment, the interest you receive on your savings will almost be meaningless. Does that mean we don't save? No! Even if it is just a small amount, save! You can still invest regularly (make sure you know what you are doing and are aware fo the risks etc), or you could accumulate it over a few months and i...

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