My stock investment fund management standards


It takes study and training to make money with stocks. It's been a while since I started stocks, but I'm only now studying. As I look for relevant content while practicing without studying with a proper curriculum, I feel that my strength is increasing just like my tennis and table tennis skills, but my skills have not improved that much.

Before the time runs out, my standards need to be established even if they are not perfect. You can go bankrupt by pretending to know a little bit, and you can't say that you've been in a certain field for a long time. As you get older, you don't become wiser, you become narrow-minded and stubborn.

In stocks, training in collecting, interpreting, and trading various information to decide which stocks to buy and when to sell seems to be important. I think investing in stocks is done with money, so I think you need to set the standard for money, which is a bullet first. So, while studying economic indicators, industries, stocks, psychology, charts, and asset allocation, the first thing I accumulated was asset allocation and investment fund management.

As I am a beginner in this field, this may not be the best answer, but I have tried to organize it in my own way. As I learn, I make up for what I lack and update it when my standards change. Whether it is explicitly present or not is important.

 


(photo source)

 

Beginners and Conceited

 

The most common time for accidents in driving is when you start to believe that you are good at driving.

I'm not good at driving, so I don't like driving in the city. In Seoul, there are many cases in which the car battery is discharged because the car is not used, so there are times when the battery is changed. However, as time went on, I felt like I was driving a little bit and becoming proud of myself.

It is said that the most accidental period in driving is when you start to believe that you are good at driving.

When I was driving, I couldn't even turn on the radio, so I parked on the shoulder and turned on the radio and started. There have been times when I couldn't change lanes, so I went straight ahead and went all the way to Gangbuk, so I couldn't go to a wedding.

Now, there are times when I change lanes as soon as I turn on the blinker or when I see a yellow traffic light come on, I don't stop even if there is no car behind me, and I step on it and go faster. Then, while changing lanes, I heard the horn of a car next to me and received a traffic ticket.

When I recognized this signal, I was alerted. Now, whenever I sit in the driver's seat, I go back to when I was a beginner, keep my principles, and go back to the beginning and make a resolution to drive carefully.

 

 

When you think you know stocks, you can lose big

I am a beginner in stocks. It's been over 15 years since I started stocks, but I'm a beginner because I didn't study. It is only now that I have become accustomed to the meaning of buying and selling as buying and selling.

For over 20 years, I once asked an acquaintance who claims that stocks are disciplined, saying that I started stocks. Then he told me this If you study stocks, you will learn a lot, but if you think you know, you can lose a lot.

It was like what people said when they started driving.

 

 

Fund management standards for each purpose of my stock investment

When I first started investing in stocks, I started without studying anything, but there are principles I set up at that time. And this year, I added that principle while listening to my acquaintances talking about stocks.

Before I get excited and know more about things, I set up asset allocation and fund management standards.

Before investing, you must first define your investment propensity and investment purpose.

I'm not a full-time investor and I'm not trying to make a ton of money in stocks. I wish I could earn a lot, but I don't have the ability to do that and I don't want to waste my time.

My stock investment has two purposes and methods.

It is a certain profit through maintenance and trading as an asset.

 

Asset allocation and maintenance as financial assets

It is difficult to hedge against inflation with deposits alone. I knew it in my head, but I thought it was impossible. Then this year, he decided to act with the persuasion of his friend. Even a small amount of money is distributed among various financial products such as deposits, stocks, bonds, and gold. Once the asset is allocated to a certain extent, this should be maintained.

There is no such thing as property, but stocks are risky assets, so the minimum conditions for these funds are a no-loss deposit and interest on the deposit.

So, invest so that you don't lose all your money. In my case, it is similar to running a retirement fund with no income.

  • Mainly buy and collect index ETFs (stocks, bonds, gold)
  • Individual stocks with high market caps or short cycles are selected as stocks that move upward.
    • I don't invest in stocks that are soaring or Russell stocks. If I get used to the Russell stock I have, I don't think I'll go back in.
    • Priority is given to stocks with upward growth potential, whether dividend growth type or not.
    • Monitor and distribute.
  • The default is not sold. If you need the cost of living, save a little when you go up and live when you go down. So, if you earn living expenses or tuition, you buy sports that you don't have to get used to.
  • Manage your portfolio.
  • Maintain a stock-to-cash ratio

 

 

profit through trading

The second is operating for the purpose of making a profit by trading some amount.

Super Danta or Danta requires study and training. I have to do it to make money, but I don't like this method and I don't have the money to train a new chest.

I think swing trading of 1 to 6 months or 1 year is appropriate.

The power of an individual in investing is time. Don't put pressure on your investment. So, we established the following principles:

 

1. With spare funds. Don't do it with money that has a deadline.

I have an acquaintance who makes quite a good amount of money in US stocks. However, there was also a lot of transfer tax. I paid the transfer tax in installments and the remaining money was re-invested in stocks. The problem was that when I had to pay the monthly installment transfer tax, the timing of the stock was not right, so I used to pay transfer tax by making some stop losses.

Don't do it with money you have time to go out. Then you will be under pressure to make a profit, stop losing, switch to another one, and then make a profit.

Of course, there is no money without time to go out into the world. Except for the concept of safe security, which is an ever-growing number, infinity, and the concept of security that can be breached in 100 million years with current technology, life or anything is finite. This is the amount of time you can afford when you have to go out on your own.

Unlike institutional investors, who have to report monthly, quarterly, and yearly results, time is the biggest force for individual investors.

Invest with spare money, that is, money that you do not have time to go out, and spend time if you have a data-based strategy and confidence. Of course, this is only for stocks. I don't do it with small stocks that may be traded.

When this standard did not exist, I tried Korean stocks under 1 won, and US stocks under $10 and coins under $1. Sometimes it was a 60% profit, but it was also beaten at -40%.

To me, investing in stocks for trading is like farming, orchard and farming. They sow, monitor, and harvest when the time is right. After winter, when spring comes, sow again. After finding a fruit tree that looks like a big one, fertilize and fertilize it, wait, and when the fruit starts to open, pick it and repeat it. Compared to rice farming or orchard farming, where crops are harvested once a year, stocks can be multi-cropped in a year. They usually study economic indicators, industries and stocks to discover them, and sow seeds under the allocation criteria for funds.

There are also stocks with so-called cycles, and there are stocks that draw a sine graph on the time axis, whether growth stocks are technical or correctional. Companies announce quarterly earnings and also announce a one-year plan, so there is a cycle within a year just like in agriculture.

 

2. Do not invest with other people's money

When buying stocks, there is a button called Credit. And one of the indicators is the credit balance. I wondered what this was, but found out that he was buying stocks with a loan from a brokerage firm. I knew that the business model of a brokerage firm was transaction fees, but that is part of it, and it seems that the main profit of a brokerage firm is lending like a bank.

Sometimes, when a stock plummets, it plummets even more. One of the reasons for this is that if the income of the person who bought with credit falls below a certain level, the brokerage company forcibly sells it and the price falls further. In this way, the brokerage company withdraws their principal. This is called forced sale. They recover the principal of their loan more easily and immediately than a bank.

The concept of 'credit' in finance is like the foundation of modern capitalist society. But credit = debt should read

Borrowing from a brokerage company with credit, getting a loan from a bank, or buying stocks with a negative bankbook is a violation of the first rule, not to invest in stocks with money to be paid out.

Of course, stock investment professionals get great returns through leverage.

I don't have the knowledge, experience, or grassroots to do that. Even if you have the knowledge to do that, you never do it.

Don't think about what you decided not to do, just don't do it. This is because people eventually compromise with themselves when they think.

 

3. Invest in what you can afford

In the state where No. 1 and No. 2 are satisfied, invest in each stock within the size that I can afford.

 

The size of each person's bowl

I watched a stock broadcast while switching TV channels. It is a phone call to consult whether to sell or own the stocks you have, and they always talk about the name of the stock, its current yield, and its weight. I was wondering why you are talking about weight, but I think I understand why these days. Because my total funds are limited. It is not only from the perspective of the portfolio, not the individual sales, such as installment sales and installment purchases.

My favorite YouTuber, Donkang, a private investor, appeared on the Shinsaimdang channel and talked about it. He made 3 billion won with 40 won, but he says he can't do more than 20 billion won in stocks. It is said to be the amount he can afford.

It seems that each person has the size of a vessel in which they can manage their funds. Of course, the bowl seems to grow through training. I started with 100 million won and it has grown a lot.

 

A bowl you can afford is not born with guts, but through market learning.

The size of this psychological bowl doesn't just come out of guts.

It is also necessary to manage the weight of strategically invested stocks. The size of the investment amount for each stock does not seem to come from just guts or sense, but from confidence through insight into the stock, the industry to which it belongs, and the overall flow. Intuition is not just a feeling Intuition through learning and trainingshould be

 

I need to find and admit the size of my bowl

It seems that first of all I have to find and acknowledge the size of my bowl.

Following the collapse of Samsung Electronics/Hynix, there were more funds to contain in the Naver/Kakao crash, but I decided in advance as much as I could afford. The amount of money to hold this stock, my bowl, the weight of this stock in my pot, and above all, I can handle the damage to the cash weight without losing any other stock in the stock-to-cash ratio.

The damage is a pre-planned ratio like a B-plan or a scenario-strategic plan in a Hollywood movie. In fact, it's just a few if then else statements written in advance. And I only invested within the numbers I wrote down before I started without thinking emotionally. don't think Thinking about it will only damage it. Think carefully about the principles, set them up, and don't think about them when you keep them.

However, if you follow these principles, you will become a conservative and you will not make any progress. Principles are meant to be followed, but there are times when you have to break them. This is because innovation and development do not come from sticking to the existing ones. I like Mid <24 Hours>Like Jack Bauer in So, the world may be developing into a process of antithesis.

 

 

concluding

Among those who quit smoking, not drinking, or on a diet, to catch up when they are shaken, they put a resolution on the wall or write a message on the bulletin board so that other people can see it.

As a beginner and not a stock expert, the reason I disclosed this was to organize my thoughts as I write this, and to see Nae-ae often and try to figure it out on her own.

Planning and execution can be different. Still, I think it's good to set your own standards to do the best you can.







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