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    • Home
    • About Us
    • Guides

      Savings Calculator to calculate savings goals and basic savings projections

      Planning & Budgeting

      Investment Returns Calculator to calculate investment returns, investment comparisons and investment portfolio simulator

      Saving & Investing

      Guides to tackle financial debts in Malaysia for Free

      Tackling Debt

      Free Guides on Choosing and purchasing a vehicle in Malaysia

      Buying a Vehicle

      Free Guides on Purchasing a Home in Malaysia and avoiding crippling debt

      Buying a Home

      Free Guides On purchasing insurance in Malaysia safely

      Insurance

      Free guides to ensure a comfortable Retirement by planning your retirement

      Retirement

      All Guides Icon

      All Guides

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      GuidesSaving & InvestingInvesting BasicsInvesting 101
      • Introduction 2

        • Lecture1.1
          Summary
        • Lecture1.2
          Infographic
      • 10 things to know 11

        • Lecture2.1
          Before you get started, set some investment goals
        • Lecture2.2
          Save and invest now!
        • Lecture2.3
          Invest early to beat inflation and to benefit from compounding
        • Lecture2.4
          Invest consistently
        • Lecture2.5
          Balance risk and return
        • Lecture2.6
          Invest in different products, not just one!
        • Lecture2.7
          Avoid high fees
        • Lecture2.8
          Do NOT sell in panic
        • Lecture2.9
          Do NOT take on debt to invest
        • Lecture2.10
          Beware of scams
        • Lecture2.11
          Quiz: Investing 101

        Do NOT sell in panic

        Many investors panic and sell when they see their stocks losing money resulting in lower profits.  Why? Because they are buying when the markets are good and selling when the markets are bad. You should really only make changes to your portfolio if there has been a fundamental change to your investment.

         

        Some examples of a fundamental change include negative news about the company (fraud, management changes, declining earnings), a negative change in government regulations or the industry itself being disrupted by some new technology. 

         

        You want to understand what is truly changing with your investment and to filter out the short term fluctuations. Doing your research prior to making an investment minimizes the risk of you panicking or making a poor decision.  

         

        The graph below shows you KLCI Bursa’s performance since 1994. Over the last 28 years, you can see an overall improvement in Bursa’s performance. 

         

         

         

        Do NOT sell in panic 1 - Multiply -

        Source: Yahoo Finance

         

         

        But if we zoom into a specific period say 2007 to 2009, you’ll see it looked like the KLCI Bursa was doing pretty badly.

         

         

        Do NOT sell in panic 3 - Multiply -

        Source: Yahoo Finance

         

         

        Say you had decided to take your money out on 1st January 2008 when the markets were doing badly, you would have made a loss or made less money than you could have since the markets rebounded quite soon after. That’s why it’s so important to be patient. 

        Prev Avoid high fees
        Next Do NOT take on debt to invest

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