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[转贴] For Me族理財:全職女炒家 月均回報10%

Tan KW
Publish date: Tue, 13 Jun 2017, 10:32 PM
Tan KW
0 458,082
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http://tv.on.cc/hk/index.html?i=OBZ170610-14531-39-M&d=1497166188

香港打工仔出名拚搏,早出晚歸基本上是指定動作,24歲的少女全職炒家鄭晴(Mary)原本跟不少年輕人一樣有份理想工作,但她卻厭倦早出晚歸的生活,故數月前把心一橫轉做全職投資者。她手持的百萬元投資本金來自自己與父母部分積蓄,過去數月投資回報理想,每月平均獲利逾10%。這位少女勇往直前全職炒股,是否已計掂人生盤數?

Mary在2015年畢業後,從事人力資源工作,逾一年半後,開始思考人生的意義,對當時未能平衡工作與生活感不滿,遂萌生辭職念頭。其實她並非厭倦工作,反指每天都具新挑戰,跟同事相處也融洽,只嫌工時過長,要早出晚歸,回到家就睡,睡醒就上班,日日如是,令她認為犧牲生活來換取工作滿足感並不值得。

今年1月,Mary正式辭職轉做全職投資者。她指,終可過嚮往已久的生活,騰出更多時間陪伴家人及朋友,坦言能與最愛及珍惜的人相聚是無價。她的人生目標從不是要賺大錢、做大花筒,還指生活愈接近原始人愈好。

平日4時收市後,她會陪媽媽到街市買餸。她指,屋企人是最重要,幫家人投資,累積財富,對她來說是「何樂而不為」,這比做交易員幫客人投資賺錢,來得更有滿足感。再者,做交易員需了解各個客人的投資目標。她現為家人投資,更有助她理解這一環的工作,事實上,因她對父母投資風險承受能力瞭如指掌,投資壓力不是太大,故操作起來還算得心應手。

她家人把部分私己錢讓她投資,加上她個人積蓄,投資本金達百萬元。起初,她的投資組合內全是保守型收息股,但因做全職投資可全天候留意市況,故後來調整組合,部署變得更進取,4成投資為重磅股,包括港鐵公司(00066)及電能實業(00006)等,其餘6成則為投機策略,買入細價股等。

在求學時期,Mary曾參與投資比賽,資金為大學舊生捐款,故投資股份類別有所限制,當中絕大部分是恒指成分股,因此其組合表現往往受大市走勢所牽制。現時其個人投資靈活性增加,可任意改動投資組合及策略,她會找出每隻股份股價的常見走勢再入市。為減低風險,她也會定止賺止蝕,止賺為12至15%。

身為全職炒家,當然要分析股份前景及值博率,對此她盡量會作實地考察,並細閱公司財務報表。她指,現時行街會多留意零售店人流及貨品銷量等,過去發現都市人購物習慣改變,更愛網購,故她看好物流股,同時看淡香港零售股。

規律化的生活是做全職投資者的條件之一。Mary的工作時間就是港股開市時間。在早上9時的競價時段,她會「坐定定」留意新聞,尋找突出板塊及異動股;收市之後,她則會整理一日的收成,以及計數和檢討。身穿舒適裝束、工作自在的她笑着表示:「投資就好似女仔減肥,係終身事業,會繼續做全職投資者。除非股市跌得好勁,先再打算。」

─ ─ ─ ─ ─ ─
●歷練未夠 年輕人Full-time投資風險大

當全職投資者有利弊,晉裕環球資產管理投資分析師蘇子杰指,雖則當全職投資者工作時間彈性,亦有空閒做兼職,但不建議年輕人貿貿然全職炒股。他解釋,年輕人在職場經驗尚淺,未鍛煉好投資分析技巧,若選擇在家做個人投資,會遇較大挫折。他續指,走進社會大學,在社會磨練過才會成長,如被老闆鞭策、上班時與時間競賽,才會學懂怎樣抗壓。

他稱,若年輕人其後放棄全職投資,並轉做打工仔,老闆難衡量他們過往工作表現及經驗,受聘機會變相降低。另全職投資者收入不穩,難為成家立室及退休等事作長遠人生規劃。得悉Mary不是All-in投資,其父母也只是將部分積蓄交托她打理,他指,應急錢必定不可動用,以免有機會影響生活質素。

Mary已決心做全職投資者,蘇子杰也未有潑冷水,始終年輕人有青春和勇氣,追求無悔過人生。他稱,股市資訊分分秒秒在更新,從書本上涉獵的金融知識未必夠,宜繼續增值自己。

他建議,除每天接收金融即時資訊外,宜將雜亂無章的資訊整理,將資訊轉化成知識,自我增值,或考慮報讀投資雞精班。同時,也應了解並試用各個指標,例如RSI、MACD、即日平均線,以及熟知股份流動性等,掌握投資分析技術。

股市有升有跌,他稱,升市獲利易,但要預備股市暴跌時怎抽身。他勸勉年輕人,要訓練對市況的觸覺,一旦發現股市有風吹草動,便應做即時適宜的投資決定。他分享個人經歷指,初入行做交易員時刻看着大市,訓練出對市況的敏感度。

全職炒股有風險,但蘇子杰卻認同年輕人要盡早嘗試投資,稱若父母資金充裕,將部分資金讓子女投資也無妨。只要投資有道,並定止蝕,虧蝕風險有限,亦可賺到寶貴經驗。

近年香港父母愛幫子女支付首期上車。惟他指,買樓投資金額大,且屬長線投資,就算父母幫子女繳付首期,子女也要每月供樓。一旦樓市下跌,隨時會墮入無底深潭,導致焦頭爛額,故他認為,現階段父母把部分積蓄給子女用來投資股票,比幫子女繳首期更佳。

 

http://hk.on.cc/hk/bkn/cnt/finance/20170611/bkn-20170611151734279-0611_00842_001.html

Discussions
1 person likes this. Showing 13 of 13 comments

paperplane2016

Walao! One million hkd and become fulltime trader? One tsunami enough to wipe out ! Cut loss also no time.
But 10% each month is impressive. 100% a year! Sure not

2017-06-14 02:50

paperplane2016

The parents just too naive?

2017-06-14 02:51

tales029

世道好可能啦,世道不好,就要失业了

2017-06-14 03:52

LA777

As a part time trader, monthly gets 4.5 percent also not bad.

2017-06-14 08:03

Unicorn

this world got put warrants ma. maybe she knows how to predict bull & bear.
plus if she knows accounting, stock market isn't difficult.

2017-06-14 11:10

Unicorn

U go HSI forum see how a player called fairplayer plays the HSI then you know nothin is impossible in this world.

2017-06-14 11:19

Up_down

I guess some in i3 hit more than 100% returns in their portfolio for past 12 months. It's still not too difficult during bull run but expecting 10% each month continuously is rather superstitious.

2017-06-14 11:44

Jay

10% monthly is nothing really, but 10% on a million dollar fund is really something. anyone can get high returns at some point of time, but whether she can keep it up over a longer period that's the question. without other source of income, if market turns bearish then she could get into trouble. full time trading is only recommended if you can prove yourself over say at least 2-3 years

2017-06-14 11:44

windcloud

i only knew her parent very rich to support her for shares trading and the 1 million fund did not affect the parent so much even at risk.

Graduated in year 2015 and 2017 Jan started trading, almost all the fund from parent, don't think she can save a lot of money less than a year. Doing audit/account think will be tired and boring for her. Good to have support from parent. Not like me only can play peanut, sad.

Hope next time can have 1 million fund to play. Don't know when ..... sad .....

2017-06-14 11:47

paperplane2016

10% a month not easy unless your trade really like crazily.

2017-06-14 18:35

paperplane2016

This period is exceptional. We are in a crazy bull period. Can't be easily repeated. You look at stock picks competition, almost no one loss money

2017-06-14 19:31

LA777

Yes, true also, now we are in bull run market, hope it will not turn into bear market in 2018, so that we can have more time to earn in share market.

2017-06-14 19:53

John Lu

If follow calvintaneng method, need to hold at least 20 years only make 10%...haha

2017-06-15 08:09

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