1. Investment Myth
投資迷思

2. ** Why do you make financial plans?
Do you know how much you should earn to support you life?
(Count in NT$10,000)

3. living expense. 3/month x 12 month x 40 year = 1440. car
* living expense 3/month x 12 month x 40 year = 1440 * car                   60 x 5 cars = 300 * traveling          3 x 20 times = 60 * wedding          30 * housing           * children education  400 x 2 kids = 800 * retiring life      3/month x 12 month x 25 = 900 Total $4030

4.   Above example is the basic expenses based on : starting to work at 20, retiring at 60, living up to 85  

5. ** Investment: lose or win?
* It is possible to be dangerous (lose) and possible to be safe (profit) * If you follow the rules --> You will be SAFE

6. ** Rules for safe investment
* do not borrow money to invest * do not put all eggs in one basket * do not use you living expense to invest * do not be affected by the investing performance * keep investing and keep your current investment * invest in various ways * accept professional's suggestions * keep long-term holdings

7. ** Strategies for funds
* choose steady fond companies * choose good targets * invest by a regular fixed amount and keep long-term holdings * transfer your investment into other ways at a proper timing properly  

8. ** If funds are so good, why do many people lose money?

9. Myth1
Myth 1* Follow people's choice and buy blindly -- when people buy crazily, usually it is the highest point of risk.

10. Myth 2
Myth 2* Do not really follow the idea of investing by a regular fixed amount. the average times Taiwan people do are only 12 annually

11. Myth 3
Myth 3* Listen to the professional's wrong suggestion –always keep long-term holdings of your investment? Without examining them or changing them once a year?

12. ** Investing EQ of common people
EQ 1----recognize the flow of the stock—---
high & low

13. ---- EQ 2 Avoid the common errors the investor thinking flow ---
Stage 1 :positive --> excited --> hot  --> crazy --> worrying --> denying to admit (so satisfied)  highest risk (temperately dropping and I am a long-term investor)  

14. Stage 2--> afraid --> depressed --> panic --> surrender (maybe I should stay in the market)   
Stage 3--> upset --> low mood -> hope -> released -> positive   lowest risk

15. EQ 3** “Time” is the strongest power to decrease the risk
. Observing the stock index from 1967 to 2001, we can find that the risk of holding the stock for longer years than for short years decreased more obviously.

16. EQ 4** Choose the proper investing methods
* To mid-term and long-term investments, it is profitable in stock market.  However, there are three difficulties to people -- no professional knowledge, no time and no money.
* Funds can solve them all and is a proper way to grow money.

17. EQ 5* How do you decrease the risk?
* Why do you need asset management? According to the winner of Nobel Mr. William Sharp, a successful investment comes from : 85% asset management, 10% wisdom of choosing the right stock and 5% God's bless  

18. EQ 6** The earlier you start to invest, the better.
Based on the 10% return, if you start to save 10,000 per month from the age of 25 and you will have a saving of 33,370,000 when 65 years old.  However, if you start at 35, you will have only 19,740,000.  10 years make a huge difference.

19. Goodbye