今天中午, 入左少少貨, 分別有3968, 939 & 1398
工行係我第一次買入, 第一次做股東仔...希望未來都可以為我帶來3-4厘股息就好了....
今天的確係有d衝動去買股票,眼見HSI跌足7天,差唔多4千點....
今晚再睇一睇美股同歐洲等股市, 真係囧了一陣子, 歐洲單日跌足10%,而家美股又仆直...
而家確實有少少後悔太早入市....太早?
由今年4月份至昨天我都無入到貨....忍左差不多半年時間....
見到近一星期市況暴瀉, 頭一兩天已經眼紅紅想入市....不過當時我認為就算最低, 已經d價位又唔係太岩我...見到今天跌到差唔多滿意, 我先決定買入!
可能早左....我無聽Adrian老師講, 佢講明12月份先好入, 結果我都係忍唔到手....
無計, 坐下無妨....反正自己投資係長線for retirement.
我真係要好好磨練一下好似Adrian老師咁ge思維先得!
透露少少我ge投資組合la...(有點兒過份集中...但係呢d股係我比較有一定了解...希望未來可以改善一下組合分布)
投資組合成員如下:
股票 現值比重
1. 中國移動(941) 22.71%
2. 建設銀行(939) 33.35%
3. 工商銀行(1398) 7.70%
4. 招商銀行(3968) 14.14%
5. 中國人壽(2628) 15.32%
6. 深圳控股(604) 3.69%
7. SOHO中國(410) 3.08%
2008年10月8日星期三
Fed leads global coordinated rate cut, eases by half point
Fed leads global coordinated rate cut, eases by half point
Wednesday October 8, 7:59 am ET
WASHINGTON (Reuters) - The U.S. Federal Reserve led a coordinated round of global official rate cuts on Wednesday, easing by a half percentage-point, as did the European Central Bank, Bank of England and Swiss, Canadian and Swedish central banks. In an attempt to stem unprecedented global market turmoil, the Fed cut its key federal funds lending rate by half a percentage point to 1.5 percent and also lowered its discount rate by the same amount to 1.75 percent.
The ECB also cut by a half-point to 3.75 percent as did the Bank of England, taking its rate to 4.5 percent.
China also joined the effort, cutting its key rate 27 basis points.
The Bank of Japan, with rates at just 0.5 percent, did not ease but the Fed said the BOJ expressed its strong support for the coordinated policy action.
"Incoming economic data suggests that the pace of economic activity has slowed markedly in recent months," the Fed said in a statement.
"Moreover, the intensification of financial market turmoil is likely to exert additional restraint on spending, partly by further reducing the ability of households and businesses to obtain credit."
The Fed said that while inflation has been high, recent declines in energy and other commodity prices had tempered inflation risks.
It said the vote to cut U.S. rates was unanimous and that inflation expectations appeared to be diminishing which could help support price stability.
"The recent intensification of the financial crisis has augmented the downside risks to growth and thus has diminished further the upside risks to price stability," the Fed said.
(Reporting by Glenn Somerville, editing by Mike Peacock/David Stamp)
Wednesday October 8, 7:59 am ET
WASHINGTON (Reuters) - The U.S. Federal Reserve led a coordinated round of global official rate cuts on Wednesday, easing by a half percentage-point, as did the European Central Bank, Bank of England and Swiss, Canadian and Swedish central banks. In an attempt to stem unprecedented global market turmoil, the Fed cut its key federal funds lending rate by half a percentage point to 1.5 percent and also lowered its discount rate by the same amount to 1.75 percent.
The ECB also cut by a half-point to 3.75 percent as did the Bank of England, taking its rate to 4.5 percent.
China also joined the effort, cutting its key rate 27 basis points.
The Bank of Japan, with rates at just 0.5 percent, did not ease but the Fed said the BOJ expressed its strong support for the coordinated policy action.
"Incoming economic data suggests that the pace of economic activity has slowed markedly in recent months," the Fed said in a statement.
"Moreover, the intensification of financial market turmoil is likely to exert additional restraint on spending, partly by further reducing the ability of households and businesses to obtain credit."
The Fed said that while inflation has been high, recent declines in energy and other commodity prices had tempered inflation risks.
It said the vote to cut U.S. rates was unanimous and that inflation expectations appeared to be diminishing which could help support price stability.
"The recent intensification of the financial crisis has augmented the downside risks to growth and thus has diminished further the upside risks to price stability," the Fed said.
(Reporting by Glenn Somerville, editing by Mike Peacock/David Stamp)
2008年10月6日星期一
第一次完全貼近大市
今日係10月6日星期一....係國慶之後, 重陽節之前的一天。今天我預先請左假, 目的係想10月1-7日放大假!XDDD
今日無乜特別事要做, 無無聊聊o係屋企, 唯有跟蹤港股!
第一次即日觀摩股市....心情特別緊張.....因為上星期五美國救市方案通過但股市未能受惠反倒跌...諗住今日做Day Trader, 搏佢先急跌後微升! 不過到最後....我都係得個"睇"字, 唔敢入市! 原因下面會慢慢講....
朝早睇"交易現場", 差唔多到10點ge時候, 已經開定機, "目及"住個市....其中, 我留意住幾隻股, 分別有1398, 939同3968 only呢三隻!...開市恆指即跌五百幾點....一般操作都係中午之後先適宜入市....於是我睇住個市留意下有咩異樣! 睇落成交比以往夠少....少到你唔信...似乎d人仲係好審慎...仲算較為理性咁唔去交易....
中午之後, 跌幅擴大....正符合我預期, 出低價迫人沽貨....可惜失敗! 市黎到呢一刻, 無人知個底o係邊? 時間會慢慢將理性的一群羊咩咩折磨至沽貨為止.....
本來我想趁今日個低位都離我目標差唔多, 想入939同1398, 但係見到939個股息率仲未到5厘, 1398仲未到4厘....所以堅持唔買貨! 939禁售期結束...今日拋售到我眼都凸埋....太吸引....
不過正如Adrian老師所言....我要等耐一d....我要自制d...
今天報告完畢!!!
今日無乜特別事要做, 無無聊聊o係屋企, 唯有跟蹤港股!
第一次即日觀摩股市....心情特別緊張.....因為上星期五美國救市方案通過但股市未能受惠反倒跌...諗住今日做Day Trader, 搏佢先急跌後微升! 不過到最後....我都係得個"睇"字, 唔敢入市! 原因下面會慢慢講....
朝早睇"交易現場", 差唔多到10點ge時候, 已經開定機, "目及"住個市....其中, 我留意住幾隻股, 分別有1398, 939同3968 only呢三隻!...開市恆指即跌五百幾點....一般操作都係中午之後先適宜入市....於是我睇住個市留意下有咩異樣! 睇落成交比以往夠少....少到你唔信...似乎d人仲係好審慎...仲算較為理性咁唔去交易....
中午之後, 跌幅擴大....正符合我預期, 出低價迫人沽貨....可惜失敗! 市黎到呢一刻, 無人知個底o係邊? 時間會慢慢將理性的一群羊咩咩折磨至沽貨為止.....
本來我想趁今日個低位都離我目標差唔多, 想入939同1398, 但係見到939個股息率仲未到5厘, 1398仲未到4厘....所以堅持唔買貨! 939禁售期結束...今日拋售到我眼都凸埋....太吸引....
不過正如Adrian老師所言....我要等耐一d....我要自制d...
今天報告完畢!!!
2008年10月4日星期六
股民金融海嘯下輸命
曾稱「唔玩股票點發達」 報販損失數十萬燒炭 2008年10月4日
【明報專訊】金融海嘯席捲全球，股市波動，少數人及時收手「執番身彩」，但更多的人投資損手。正當數以萬計雷曼迷你債券事主日思夜想追回損失之時，一名投資股票失利的報販，疑不堪數十萬元家財付諸流水，昨日在北角寓所燒炭身亡，成為近月股市狂潮的首名犧牲者。據其朋友透露，死者生前曾豪言﹕「唔玩股票點發達？唔通靠辛苦打工？」詎料最終走上絕路。
燒炭身亡男子吳╳德，38歲，與妻子及兩名讀小學女兒，一家四口居於北角英皇道310號雲華大廈。其家人及親友事後趕到醫院，得悉吳某死訊後傷心不已。
反鎖廁所 妻報警揭發
昨午4時許，吳妻返回寓所發現廁所門鎖上及有煙冒出，拍門無回應，立即報警。消防趕至破門入屋，赫見吳在廁所內燒炭昏迷，他由救護車送院搶救不治。警方調查後相信無可疑，正了解其尋死原因。
吳原本相約一名姓關好友於昨日傍晚到蘭桂坊晚膳，好友其後接到其自殺消息後，即趕至醫院了解，得悉噩耗後慨嘆懷疑是投資股票損手，令吳自尋短見。關先生透露，他與吳為中學同學，兩人畢業後分別做廚房工作，同學兼同行，感情甚篤，他不時會到吳家作客。關又稱，吳與妻小生活融洽，惟吳因性格內向沉默，在工作方面不太如意，不時抱怨遭同事排斥。
年前屢有斬獲
兩三年前，吳開始踏足股巿，將積蓄投資到股票上，當時他以「股海洶湧」好言相勸，但吳不以為意，說﹕「唔玩股票點發達？唔通靠辛苦打工？」一心希望靠股票賺錢，讓家人生活富足。年前股市暢旺時，吳一度「願望成真」，屢有斬獲，更辭掉廚房工作，轉到寓所附近經營報檔，除股票外，亦開始投資基金，頗為風光。
好景不常，吳半年前在投資市場損手，更曾向關某透露因股巿損失慘重想過自殺，又表示死前會為家人安頓一切。當時關好言相勸，但不以為意。至近日環球金融海嘯下，吳投資再損失數以十萬元計，陷入財困，懷疑他因而走上絕路。
持「新股必賺」心態或屬病態
明愛展晴中心督導主任鄧耀祖說，投資者與病態賭徒只一線之隔，當你發現經常抱着「有市未為輸」、「存錢入股場」、「新股必賺」等心態去作金融投資時，很可能已陷入「病態賭徒」的深淵。
該中心過去5年曾為1887名問題或病態賭徒提供戒賭輔導，個案多以賭馬、賭場、賭波為主，但少數事主卻用賭博的心態和行為從事金融買賣，範圍甚至涉及期貨及認股證等。鄧耀祖說，這些人往往並非從事金融業，卻將全副身家投入股市，「不注視股市上落時，會坐立不安和沒有安全感，於是輸到無錢仍要『賭』！」
鄧稱，賭輸錢者借貴利，賭輸股者就借孖展，「但他們往往咬定自己是在『投資』，死也不肯認在賭博」。
鄧說，最近股市風高浪急，「病態股民」卻往往認為「這樣才更刺激，忽略工作、家庭、生活」，很容易會泥足深陷，填不了無底洞，又拒絕求助，便有可能走上自毁之途。
【明報專訊】金融海嘯席捲全球，股市波動，少數人及時收手「執番身彩」，但更多的人投資損手。正當數以萬計雷曼迷你債券事主日思夜想追回損失之時，一名投資股票失利的報販，疑不堪數十萬元家財付諸流水，昨日在北角寓所燒炭身亡，成為近月股市狂潮的首名犧牲者。據其朋友透露，死者生前曾豪言﹕「唔玩股票點發達？唔通靠辛苦打工？」詎料最終走上絕路。
燒炭身亡男子吳╳德，38歲，與妻子及兩名讀小學女兒，一家四口居於北角英皇道310號雲華大廈。其家人及親友事後趕到醫院，得悉吳某死訊後傷心不已。
反鎖廁所 妻報警揭發
昨午4時許，吳妻返回寓所發現廁所門鎖上及有煙冒出，拍門無回應，立即報警。消防趕至破門入屋，赫見吳在廁所內燒炭昏迷，他由救護車送院搶救不治。警方調查後相信無可疑，正了解其尋死原因。
吳原本相約一名姓關好友於昨日傍晚到蘭桂坊晚膳，好友其後接到其自殺消息後，即趕至醫院了解，得悉噩耗後慨嘆懷疑是投資股票損手，令吳自尋短見。關先生透露，他與吳為中學同學，兩人畢業後分別做廚房工作，同學兼同行，感情甚篤，他不時會到吳家作客。關又稱，吳與妻小生活融洽，惟吳因性格內向沉默，在工作方面不太如意，不時抱怨遭同事排斥。
年前屢有斬獲
兩三年前，吳開始踏足股巿，將積蓄投資到股票上，當時他以「股海洶湧」好言相勸，但吳不以為意，說﹕「唔玩股票點發達？唔通靠辛苦打工？」一心希望靠股票賺錢，讓家人生活富足。年前股市暢旺時，吳一度「願望成真」，屢有斬獲，更辭掉廚房工作，轉到寓所附近經營報檔，除股票外，亦開始投資基金，頗為風光。
好景不常，吳半年前在投資市場損手，更曾向關某透露因股巿損失慘重想過自殺，又表示死前會為家人安頓一切。當時關好言相勸，但不以為意。至近日環球金融海嘯下，吳投資再損失數以十萬元計，陷入財困，懷疑他因而走上絕路。
持「新股必賺」心態或屬病態
明愛展晴中心督導主任鄧耀祖說，投資者與病態賭徒只一線之隔，當你發現經常抱着「有市未為輸」、「存錢入股場」、「新股必賺」等心態去作金融投資時，很可能已陷入「病態賭徒」的深淵。
該中心過去5年曾為1887名問題或病態賭徒提供戒賭輔導，個案多以賭馬、賭場、賭波為主，但少數事主卻用賭博的心態和行為從事金融買賣，範圍甚至涉及期貨及認股證等。鄧耀祖說，這些人往往並非從事金融業，卻將全副身家投入股市，「不注視股市上落時，會坐立不安和沒有安全感，於是輸到無錢仍要『賭』！」
鄧稱，賭輸錢者借貴利，賭輸股者就借孖展，「但他們往往咬定自己是在『投資』，死也不肯認在賭博」。
鄧說，最近股市風高浪急，「病態股民」卻往往認為「這樣才更刺激，忽略工作、家庭、生活」，很容易會泥足深陷，填不了無底洞，又拒絕求助，便有可能走上自毁之途。
Bailout Will Help, but Pitfalls Remain
Bailout Will Help, but Pitfalls Remain
Friday October 3, 4:29 pm ET
By Rick Newman
The mammoth financial bailout plan is finally in place. But don't exhale just yet.
The $700 billion rescue bill that Congress finally passed will limit panic in the markets, since it gives the government vast new authority to take over sclerotic securities that have clogged the credit system and already brought down some of America's biggest companies. With the feds stepping into the bloodbath, the hemorrhaging should stop. But the economy is still in precarious shape, and unrealistic expectations about the bailout could end up disappointing consumers hoping for some kind of immediate relief.
Here are some likely developments for which consumers should prepare:
Less volatility. One thing the bailout will do is give investors some clarity and predictability, which will help calm the financial markets. With a clear plan for handling troubled companies--instead of the ad hoc approach applied to Bear Stearns, Lehman Brothers, and others--the government will abide by a consistent set of bailout rules, which will prevent the wild swings in the stock markets that made September a heart-stopping month.
But beware a sucker's rally. With the congressional melodrama over and the bailout in place, the markets will be reacting once again to ordinary economic forces--which are weak, at best. A few other big financial firms, and a lot of regional banks, are expected to take a hit next, especially if the credit crunch persists. Even if the government manages those problems smoothly, shareholders could get wiped out or of suffer deep losses. The global economy is cooling, too, which means less demand for American exports--a rare economic bright spot until lately--and lower profits for American multinational firms. All of those factors are likely to weigh down stocks.
Safe banks. There will probably be more bank failures, but the bill makes it clear that depositors don't need to worry about their money. The bill raises the amount of deposits covered by the FDIC from $100,000 to $250,000. That makes an implicit guarantee explicit: Until now, the FDIC has covered all deposits, including those over $100,000, to prevent "walks" on banks by people withdrawing everything over the insured limit. Now, the government will guarantees that higher amounts will be covered, even if banks fail.
A recession. Unfortunately, a more stable financial system probably won't prevent a sharp economic downturn, which already seems to be underway. Economists will probably continue to argue about whether it's technically a recession. But for many consumers and a lot of big industries, it doesn't matter what you call it: Times are tough, and getting tougher.
Job cuts in September--159,000--were the most in five years. Most economists are betting that additional jobs are going to be cut in coming months as companies hunker down. Worried consumers are likely to cut spending, deepening the dismal cycle.
There's already a recession in the auto industry, for example, which accounts for a big chunk of Americans' economic activity. Sales in September plunged to the lowest levels in 15 years. Deep worries--and profit-crunching discounts--are spreading to other sectors of the retail economy, too.
The bailout might help contain the damage. Theoretically, the feds' shock therapy will lessen the risk that a lot of companies will go bankrupt, which should motivate nervous bankers to start lending once again, with less fear that their money will vanish. If that actually happens, it will help big and small businesses alike continue to meet their payrolls. But there's nothing in the bill that forces banks to lend money, and they could just keep sitting on their cash for a while. And even if money loosens up, that's still no guarantee that consumers will spend. So any economic boost from the bailout will be indirect and probably take a while.
Minimal tax relief. A tax increase to pay for the bailout seems unnecessary, since many analysts think that the eventual sale of troubled securities could cover the government's costs. But added short-terms costs means that tax cuts anytime soon look less likely. Both Barack Obama and John McCain are pushing tax breaks, a perennial campaign promise. Obama wants to cut taxes for most Americans earning less than $250,000. McCain's plan calls for cutting capital gains taxes and corporate income taxes and extending other tax cuts that are set to expire soon. But don't bank on much relief: With the soaring costs of the federal bailout--plus added expenses, like up to $50 billion in loans for the Detroit automakers--anything that adds to the federal deficit next year is going to be hard to slip past budget hawks in Congress. A smaller set of tax cuts might be possible, though.
Scarce consumer loans. Banks have cut back on virtually every kind of loan to consumers, whether it's for cars, homes, vacations, or small credit-card purchases. One new government provision may help some homeowners who are at risk of defaulting, through a program that allows certain homeowners to renegotiate their loans with the bank. But it's not clear how effective that program will be.
While the bailout is supposed to ease the "credit crunch," it will probably be a while before relief reaches consumers. For one thing, the government will focus first on freeing money for banks and businesses so they are able to keep their operations humming and meet payroll expenses.
If banks do loosen up, the money flow may eventually trickle down to consumers. But stringent lending standards are likely to be in place well into next year, because banks are still digesting defaults on mortgages, car loans, and credit cards. And default rates are rising, not falling. Until those losses are covered, banks are going to say no more often than yes. For the next year or two, many Americans may have little choice but to save for a sunnier day.
Friday October 3, 4:29 pm ET
By Rick Newman
The mammoth financial bailout plan is finally in place. But don't exhale just yet.
The $700 billion rescue bill that Congress finally passed will limit panic in the markets, since it gives the government vast new authority to take over sclerotic securities that have clogged the credit system and already brought down some of America's biggest companies. With the feds stepping into the bloodbath, the hemorrhaging should stop. But the economy is still in precarious shape, and unrealistic expectations about the bailout could end up disappointing consumers hoping for some kind of immediate relief.
Here are some likely developments for which consumers should prepare:
Less volatility. One thing the bailout will do is give investors some clarity and predictability, which will help calm the financial markets. With a clear plan for handling troubled companies--instead of the ad hoc approach applied to Bear Stearns, Lehman Brothers, and others--the government will abide by a consistent set of bailout rules, which will prevent the wild swings in the stock markets that made September a heart-stopping month.
But beware a sucker's rally. With the congressional melodrama over and the bailout in place, the markets will be reacting once again to ordinary economic forces--which are weak, at best. A few other big financial firms, and a lot of regional banks, are expected to take a hit next, especially if the credit crunch persists. Even if the government manages those problems smoothly, shareholders could get wiped out or of suffer deep losses. The global economy is cooling, too, which means less demand for American exports--a rare economic bright spot until lately--and lower profits for American multinational firms. All of those factors are likely to weigh down stocks.
Safe banks. There will probably be more bank failures, but the bill makes it clear that depositors don't need to worry about their money. The bill raises the amount of deposits covered by the FDIC from $100,000 to $250,000. That makes an implicit guarantee explicit: Until now, the FDIC has covered all deposits, including those over $100,000, to prevent "walks" on banks by people withdrawing everything over the insured limit. Now, the government will guarantees that higher amounts will be covered, even if banks fail.
A recession. Unfortunately, a more stable financial system probably won't prevent a sharp economic downturn, which already seems to be underway. Economists will probably continue to argue about whether it's technically a recession. But for many consumers and a lot of big industries, it doesn't matter what you call it: Times are tough, and getting tougher.
Job cuts in September--159,000--were the most in five years. Most economists are betting that additional jobs are going to be cut in coming months as companies hunker down. Worried consumers are likely to cut spending, deepening the dismal cycle.
There's already a recession in the auto industry, for example, which accounts for a big chunk of Americans' economic activity. Sales in September plunged to the lowest levels in 15 years. Deep worries--and profit-crunching discounts--are spreading to other sectors of the retail economy, too.
The bailout might help contain the damage. Theoretically, the feds' shock therapy will lessen the risk that a lot of companies will go bankrupt, which should motivate nervous bankers to start lending once again, with less fear that their money will vanish. If that actually happens, it will help big and small businesses alike continue to meet their payrolls. But there's nothing in the bill that forces banks to lend money, and they could just keep sitting on their cash for a while. And even if money loosens up, that's still no guarantee that consumers will spend. So any economic boost from the bailout will be indirect and probably take a while.
Minimal tax relief. A tax increase to pay for the bailout seems unnecessary, since many analysts think that the eventual sale of troubled securities could cover the government's costs. But added short-terms costs means that tax cuts anytime soon look less likely. Both Barack Obama and John McCain are pushing tax breaks, a perennial campaign promise. Obama wants to cut taxes for most Americans earning less than $250,000. McCain's plan calls for cutting capital gains taxes and corporate income taxes and extending other tax cuts that are set to expire soon. But don't bank on much relief: With the soaring costs of the federal bailout--plus added expenses, like up to $50 billion in loans for the Detroit automakers--anything that adds to the federal deficit next year is going to be hard to slip past budget hawks in Congress. A smaller set of tax cuts might be possible, though.
Scarce consumer loans. Banks have cut back on virtually every kind of loan to consumers, whether it's for cars, homes, vacations, or small credit-card purchases. One new government provision may help some homeowners who are at risk of defaulting, through a program that allows certain homeowners to renegotiate their loans with the bank. But it's not clear how effective that program will be.
While the bailout is supposed to ease the "credit crunch," it will probably be a while before relief reaches consumers. For one thing, the government will focus first on freeing money for banks and businesses so they are able to keep their operations humming and meet payroll expenses.
If banks do loosen up, the money flow may eventually trickle down to consumers. But stringent lending standards are likely to be in place well into next year, because banks are still digesting defaults on mortgages, car loans, and credit cards. And default rates are rising, not falling. Until those losses are covered, banks are going to say no more often than yes. For the next year or two, many Americans may have little choice but to save for a sunnier day.
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