小心搏出禍
以為只有散戶才會瞓身入市,實行「搏一搏,單車都變摩托」,估不到在電視畫面見到一幕幕搏到盡的場面,有人竟然選擇在9號風球高掛的日子,走去浪高風急的沙灘,滑浪、衝浪和觀浪樣樣有,更有報道話有人失蹤,需出動消防拯救。
今次,負責搜索的消防員未有即時衝入比人還高的大浪裡去搜尋,否則隨時又像嘉禾大廈火災般,再有「無命英雄」。其實,消防員的心裡,怎不想跳進水裡,盡快找到那位失蹤人士,奈何人的力量真的很渺小,再好的裝備,也難敵巨風吧!
用性命換取的教訓,絕對絕對不值得,因為已經沒有第二次、第三次……機會。同樣道理,投資本來就不應該抱搏命的態度,因為投資工具五花八門,要完全清楚遊戲規則已經不容易,更重要的是,要先了解自己本身承擔風險的能力,亦相當重要,否則,見到風大雨大,還要奮勇下海,結局可以很悲壯的。
股市失利,還可以靠家人、親人協助解決,但家庭的財政狀況難免大傷元氣,有時傷和氣就更犯不著,所以投資前,不妨看看自己的儲蓄、每月流入的現金(打工的,當然是那份有血有汗的薪酬啦!),以及每月開支,而以訂定一份財務計劃,如撥多少資金供投資,起碼心中有數,不會亂超額,更可保留部分儲備作出擊用途。
且看美國股神巴菲特(Warren Buffett)話有很多不俗的投資目標供發掘,畢竟股價已回落了不少,就知道保留實力等投資時所處的優勢。需注意的是,無論市好市壞,他的投資組合中,總有些核心優質投資,怎也不會輕易放棄的,然後將手頭其他彈藥,去物色自己的投資對象,同樣情況也可發生在大家身上,有些核心投資,持有也未算太壞,像具派息能力的藍籌股,或許股價有一刻會叫你失望,但這些投資只要不會令你憂慮一下子失去八成投資本金,而且企業盈利能力不差的話,優勢始終會反映在股價上。
若單看短短數天,大市跌完又彈,炒短線肯定無從入手,像中資金融股於7月初慘遭洗倉而重挫後,以為會受宏調以及加提高存款準備金率所影響而看淡之際,原來中期業績根本對辦,大戶又再玩過,除了蝕錢的中國財險(2328)及還未派成績表的中國銀行(3988)外,其他金融股股價也已重越洗倉後價位,可見炒短線的無力感,根本難追蹤大戶資金流向,更嚴重的是,炒上去後,又會否用中資銀行話下半年貸款增長難保持上半年速度,再來拋貨呢?
雖然有說「富貴險中求」,將資金投放較高風險的投資工具上亦無可厚非,但像巴菲等執便宜貨,賺取最大利潤的同時,不會放棄核心投資部分,避免一味靠搏。
(8月26日刊於《am730》)
6 Comments:
This protocol by specification is ten,four hundred baud.
For now this OBD2 Scan Resource Application diagnostic method I would NOT propose.
my site: obd scanner
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