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      "author": "steemitboard",
      "body": "Congratulations @jayshen! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@jayshen/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@jayshen) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=jayshen)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "author": "eainspires",
      "body": "Nice write up. Compound interest is a very great tool for wealth creation. The hedgefund will always have a way to beat the market through cost dollar averaging . The earlier this is done the better",
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      "author": "jayshen",
      "body": "Thank you for sharing.",
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      "author": "jayshen",
      "body": "This blog follows up on my previous [blog](https://steemit.com/financialfreedom/@jayshen/the-100-road-to-financial-freedom-work-your-capital-edition). \n\nWhen I plan ahead, I would always attempt to do three things at the same time: the Short Term Plan, the Medium Term Plan and the Long Term Plan. Some things like growing a durian tree takes about 6 years, so growing a durian orchard can only be a Medium Term Plan. By having three plans going concurrently, I would always be able to reap different kind of rewards at different stages of time. \n\n![](https://steemitimages.com/DQmVyYuqDaaQgw7sn2PsqvCTjPgQtHeSXQQ7zRd8tGew2yp/image.png)\n*Usually anything that takes times to bear fruit are very tasty.*\n\n<b>Short Term Plan Example - Marriage Ceremony</b>\nDescription | RM\n- | -\nTarget Amount | 100,000\nYears before Redeem | 5\nInvestment Return per Year | 6%\nCapital to Start | 75,000\n\nFor something 5 years from now, the options we have ranges from Fixed Deposits(~4%) to Fixed Income Bonds(~7%). At this rate, we still need quite a lot at RM75,000 to start. Not impressive compared to what we can do below, but maybe this can help us shave off 1 year. \n\n![](https://steemitimages.com/DQmQM471YANt1fpgQDUsSxBm3rEc3hhQ3ezH9ZFMDenwpsX/image.png)\n*Garden weddings should be cheaper I guess.*\n\n<b>Medium Term Plan Example - Child's Australian University Education</b>\nDescription | RM\n- | -\nTarget Amount | 500,000\nYears before Redeem | 15\nInvestment Return per Year | 8%\nCapital to Start | 158,000\n\nI looked up my [university's fees](http://www.anu.edu.au/students/program-administration/costs-fees/international-student-fees) as well as the private accommodation [Unilodge](https://unilodge.com.au/lodge/anu-kinloch-lodge/) there, and for a 3 year course, the total expenses is about RM500k! I was actually expecting RM300k. \n\nIn this case since we have 15 years, we have enough time for Equity investments. Did you know Warren Buffett won a bet that he will [beat all active fund managers in the world by doing nothing other than leaving the money alone in the stock market](http://fortune.com/2017/12/30/warren-buffett-million-dollar-bet/)? In that bet's 10 years, he got 7.1% per year while the challenger only got 2.2%. That is very close to the historical average of around 8% per year, even in [Malaysia](https://tradingeconomics.com/malaysia/stock-market).\n\nSo after working out the calculations, we only need RM158k set aside, and we can \"earn\" RM342k by just doing nothing! Talking about how to rich get richer here.\n\n![](https://steemitimages.com/DQmYgrNq1jJKCZAb8bkmJEN5DtEKdvuKgYmyBXzatK9hfx3/image.png)\n*Nothing to do here except to study and research nuclear.*\n\n<b>Long Term Plan Example - Retirement</b>\nDescription | RM\n- | -\nTarget Amount | 1,000,000\nYears before Redeem | 40\nInvestment Return per Year | 8%\nCapital to Start | 46,000\n\nIf you want more millions, just multiply accordingly. \n\n*But Look At Just How Little We Need to Start With!* \nOnly RM46,000. Just a mere 5% of the target amount, less than GST's 6% ( hahaha!). I think this is a very good opportunity to not miss up.\n\nOn a side note, If you are below 30 years old, this is the last year the Malaysian Government is giving you RM1k if you register this kind of plan with any registered providers. (Hint Hint Me Here!)\n\n![](https://steemitimages.com/DQmdSBaPxFGQdHp7FBT7mzYNRDGKaVF5H3T5tsn3qrK4xBh/image.png)\n\n<center>I have more than 5 years of experience in Audit, Corporate Finance as well as Tax. I had IBM, Unilever, Sime Darby Property, Li & Fung  and others as my clients during my tenure in PricewaterhouseCoopers.</center>\n\n<center>I write to share the insights and foresights I had gathered throughout my exposure within the leading corporates, as a personal mission to help us manage the oncoming Age of Robots and A.I.</center>\n\n<center>In my opinion, the best form of empowerment is the ability to earn our own money. Hence, I organize Entrepreneur Peer Groups (combined revenue of RM3 mil) as well as assist people to invest in Unit Trusts.</center>",
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      "author": "dailyxkcd",
      "body": "Nice post. Doesn't look like you are getting the votes you deserve though. You should check out [steemengine.](https://steemit.com/steemit/@steemengineteam/join-steemengine-today)",
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      "body": "@@ -3946,16 +3946,46 @@\n r Groups\n+ (combined revenue of RM3 mil)\n  as well\n",
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      "body": "This blog follows up on my previous [blog](https://steemit.com/financialfreedom/@jayshen/the-100-road-to-financial-freedom-work-your-capital-edition). \n\nWhen I plan ahead, I would always attempt to do three things at the same time: the Short Term Plan, the Medium Term Plan and the Long Term Plan. Some things like growing a durian tree takes about 6 years, so growing a durian orchard can only be a Medium Term Plan. By having three plans going concurrently, I would always be able to reap different kind of rewards at different stages of time. \n\n![](https://steemitimages.com/DQmVyYuqDaaQgw7sn2PsqvCTjPgQtHeSXQQ7zRd8tGew2yp/image.png)\n*Usually anything that takes times to bear fruit are very tasty.*\n\n<b>Short Term Plan Example - Marriage Ceremony</b>\nDescription | RM\n- | -\nTarget Amount | 100,000\nYears before Redeem | 5\nInvestment Return per Year | 6%\nCapital to Start | 75,000\n\nFor something 5 years from now, the options we have ranges from Fixed Deposits(~4%) to Fixed Income Bonds(~7%). At this rate, we still need quite a lot at RM75,000 to start. Not impressive compared to what we can do below, but maybe this can help us shave off 1 year. \n\n![](https://steemitimages.com/DQmQM471YANt1fpgQDUsSxBm3rEc3hhQ3ezH9ZFMDenwpsX/image.png)\n*Garden weddings should be cheaper I guess.*\n\n<b>Medium Term Plan Example - Child's Australian University Education</b>\nDescription | RM\n- | -\nTarget Amount | 500,000\nYears before Redeem | 15\nInvestment Return per Year | 8%\nCapital to Start | 158,000\n\nI looked up my [university's fees](http://www.anu.edu.au/students/program-administration/costs-fees/international-student-fees) as well as the private accommodation [Unilodge](https://unilodge.com.au/lodge/anu-kinloch-lodge/) there, and for a 3 year course, the total expenses is about RM500k! I was actually expecting RM300k. \n\nIn this case since we have 15 years, we have enough time for Equity investments. Did you know Warren Buffett won a bet that he will [beat all active fund managers in the world by doing nothing other than leaving the money alone in the stock market](http://fortune.com/2017/12/30/warren-buffett-million-dollar-bet/)? In that bet's 10 years, he got 7.1% per year while the challenger only got 2.2%. That is very close to the historical average of around 8% per year, even in [Malaysia](https://tradingeconomics.com/malaysia/stock-market).\n\nSo after working out the calculations, we only need RM158k set aside, and we can \"earn\" RM342k by just doing nothing! Talking about how to rich get richer here.\n\n![](https://steemitimages.com/DQmYgrNq1jJKCZAb8bkmJEN5DtEKdvuKgYmyBXzatK9hfx3/image.png)\n*Nothing to do here except to study and research nuclear.*\n\n<b>Long Term Plan Example - Retirement</b>\nDescription | RM\n- | -\nTarget Amount | 1,000,000\nYears before Redeem | 40\nInvestment Return per Year | 8%\nCapital to Start | 46,000\n\nIf you want more millions, just multiply accordingly. \n\n*But Look At Just How Little We Need to Start With!* \nOnly RM46,000. Just a mere 5% of the target amount, less than GST's 6% ( hahaha!). I think this is a very good opportunity to not miss up.\n\nOn a side note, If you are below 30 years old, this is the last year the Malaysian Government is giving you RM1k if you register this kind of plan with any registered providers. (Hint Hint Me Here!)\n\n![](https://steemitimages.com/DQmdSBaPxFGQdHp7FBT7mzYNRDGKaVF5H3T5tsn3qrK4xBh/image.png)\n\n<center>I have more than 5 years of experience in Audit, Corporate Finance as well as Tax. I had IBM, Unilever, Sime Darby Property, Li & Fung  and others as my clients during my tenure in PricewaterhouseCoopers.</center>\n\n<center>I write to share the insights and foresights I had gathered throughout my exposure within the leading corporates, as a personal mission to help us manage the oncoming Age of Robots and A.I.</center>\n\n<center>In my opinion, the best form of empowerment is the ability to earn our own money. Hence, I organize Entrepreneur Peer Groups as well as assist people to invest in Unit Trusts.</center>",
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      "body": "This blog follows up on my previous [blog](https://steemit.com/financialfreedom/@jayshen/the-100-road-to-financial-freedom-work-your-capital-edition). \n\nWhen I plan ahead, I would always attempt to do three things at the same time: the Short Term Plan, the Medium Term Plan and the Long Term Plan. Some things like growing a durian tree takes about 6 years, so growing a durian orchard can only be a Medium Term Plan. By having three plans going concurrently, I would always be able to reap different kind of rewards at different stages of time. \n\n![](https://steemitimages.com/DQmVyYuqDaaQgw7sn2PsqvCTjPgQtHeSXQQ7zRd8tGew2yp/image.png)\n*Usually anything that takes times to bear fruit are very tasty.*\n\n<b>Short Term Plan Example - Marriage Ceremony</b>\nDescription | RM\n- | -\nTarget Amount | 100,000\nYears before Redeem | 5\nInvestment Return per Year | 6%\nCapital to Start | 75,000\n\nFor something 5 years from now, the options we have ranges from Fixed Deposits(~4%) to Fixed Income Bonds(~7%). At this rate, we still need quite a lot at RM75,000 to start. Not impressive compared to what we can do below, but maybe this can help us shave off 1 year. \n\n![](https://steemitimages.com/DQmQM471YANt1fpgQDUsSxBm3rEc3hhQ3ezH9ZFMDenwpsX/image.png)\n*Garden weddings should be cheaper I guess.*\n\n<b>Medium Term Plan Example - Child's Australian University Education</b>\nDescription | RM\n- | -\nTarget Amount | 500,000\nYears before Redeem | 15\nInvestment Return per Year | 8%\nCapital to Start | 158,000\n\nI looked up my [university's fees](http://www.anu.edu.au/students/program-administration/costs-fees/international-student-fees) as well as the private accommodation [Unilodge](https://unilodge.com.au/lodge/anu-kinloch-lodge/) there, and for a 3 year course, the total expenses is about RM500k! I was actually expecting RM300k. \n\nIn this case since we have 15 years, we have enough time for Equity investments. Did you know Warren Buffett won a bet that he will [beat all active fund managers in the world by doing nothing other than leaving the money alone in the stock market](http://fortune.com/2017/12/30/warren-buffett-million-dollar-bet/)? In that bet's 10 years, he got 7.1% per year while the challenger only got 2.2%. That is very close to the historical average of around 8% per year, even in [Malaysia](https://tradingeconomics.com/malaysia/stock-market).\n\nSo after working out the calculations, we only need RM158k set aside, and we can \"earn\" RM342k by just doing nothing! Talking about how to rich get richer here.\n\n![](https://steemitimages.com/DQmYgrNq1jJKCZAb8bkmJEN5DtEKdvuKgYmyBXzatK9hfx3/image.png)\n*Nothing to do here except to study and research nuclear.*\n\n<b>Long Term Plan Example - Retirement</b>\nDescription | RM\n- | -\nTarget Amount | 1,000,000\nYears before Redeem | 40\nInvestment Return per Year | 8%\nCapital to Start | 46,000\n\nIf you want more millions, just multiply accordingly. \n\n*But Look At Just How Little We Need to Start With!* \nOnly RM46,000. Just a mere 5% of the target amount, less than GST's 6% ( hahaha!). I think this is a very good opportunity to not miss up.\n\nOn a side note, If you are below 30 years old, this is the last year the Malaysian Government is giving you RM1k if you register this kind of plan with any registered providers. (Hint Hint Me Here!)\n\n![](https://steemitimages.com/DQmdSBaPxFGQdHp7FBT7mzYNRDGKaVF5H3T5tsn3qrK4xBh/image.png)\n\n<center>I have more than 5 years of experience in Audit, Corporate Finance as well as Tax. I had IBM, Unilever, Sime Darby Property, Li & Fung  and others as my clients during my tenure in PricewaterhouseCoopers.</center>\n\n<center>I write to share the insights and foresights I had gathered throughout my exposure within the leading corporates, as a personal mission to help us manage the oncoming Age of Robots and A.I.</center>\n\n<center>In my opinion, the best form of empowerment is the ability to earn our own money. Hence, I organize Entrepreneur Peer Groups as well as assist people to invest in Unit Trusts.</center>",
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      "body": "@@ -3166,93 +3166,105 @@\n ter%3E\n-Let's prepare for that future by being entrepreneurial and free from financial worrie\n+To that end, I organize Entrepreneur Peer Groups as well as assist people to invest in Unit Trust\n s. %3C\n",
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      "body": "This article follows up on my previous [article](https://steemit.com/financialfreedom/@jayshen/the-100-road-to-financial-freedom), where it covers what we can do to escape from the financial survival stage. If you had not have an Investment Fund yet, I suggest revisiting the previous article on how to build your first Investment Fund. \n\nHere I cover how we can get our Ringgit to grow by itself.  There are many ways we can go about it, but it is important that whichever way we choose, the way must suit us. Consider these:\n (To make it simpler, we are going to assume that we delegate the job to a manager.)\n\n![](https://steemitimages.com/DQmbvKx23R7hCNg48UhyxWFPtijHud8ruQtwNRPWSPE9wYN/image.png)\n\n<h3><b>[1] How much can I afford to *lose* my Investment Fund?</b></h3>\nIn financial lingo, this means figuring out your risk appetite. In other words, are you willing to accept that you have less Ringgit in the fund than when you started? \n\nIf you are not, then you have a Low risk appetite.\nIf you are okay, then you have a Medium to High risk appetite.\n\nLow risk financial products typically takes your money and loan it to other banks/corporates for 1 night to 3 months. They check whether the bank/corporate have a very good history of paying back loans. They also loan to governments, such as the Malaysian government.\n\nMedium risk to High risk financial products would be anything other than that. The manager may buy corporate bonds like IJM's or PLUS's, to high risk products such as shares. Given enough time, a company may go bankrupt and share prices would fall dramatically, hence that's why these are in the Medium to High risk category.\n\n![](https://steemitimages.com/DQmeeLBFExtRyVdJTyKsdHDDz6rg71Q9Mwd1HNkFxgm4qD9/image.png)\n*Extreme risk appetite?* \n(Source: Stanford)\n\n<h3><b>[2] How long can I afford to *leave* my Investment Fund alone?</b></h3>\nUnderstanding the time horizon is important because many investments only work WITH time. Without time, then it is gambling, not investment.\n\nThe time horizons can be anything but usually (a) less than 1 year, (b) less than 5 years and (c) 10 years or more.  \n\nHow we figure out our time horizon depends on what is the Purpose of the investment. Investing for the children's university education can fall under (c) 10 years or more. Investing for no purposes is more suited for (a) less than 1 year horizons. \n\n![](https://steemitimages.com/DQmesRY1tdHz1JKYpnwNBf36DfdULPaiYz6LuvvS7w5x6sZ/image.png)\n\n<h3><b>Next article</b></h3>\nIn my next article, I intend to list out some Investment Choices you can make to achieve your Purposes/Goals. \n\nIf you have any financial goals that you wish to reach (such as children's education, retirement etc), please comment with your [1] risk appetite and [2] time horizon in terms of how many years you want to allow for, and I will respond in my next article.\n\n![](https://steemitimages.com/DQmdSBaPxFGQdHp7FBT7mzYNRDGKaVF5H3T5tsn3qrK4xBh/image.png)\n\n<center>Jay Shen is working towards  Human Empowerment. </center>\n<center>The Age of Robots are coming soon and I do not want to see a future of humans with no ability to survive in that age. </center>\n<center>Let's prepare for that future by being entrepreneurial and free from financial worries. </center>",
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