Dr Tee (Ein55)

Reduce Electricity Bill in Singapore with Investment Knowledge

Posted on January 6, 2019 Written by Dr Tee (Ein55)

Singapore has opened up electricity market to different service providers, starting from west, central / northeast (my area is just invited), will extend to east in next few months.

Electricity tariff (varying from 18 to 27 cents/kwh over the past 10+ years of market cycle) is partially related to natural gas price (remaining is fixed cost of power generation, so volatility amount may not be similar but general trends are aligned) which is connected to oil price. Current rate of 25 cents/kwh is still on high side, recent major correction (30% dip) of crude oil in Q4/2018 has not fully reflected in currently quarterly electricity tariff.

We may apply the principles of “trend-following”, consider shorter contract (eg. 6 months) while observing the trend of EE prices over the next 2 quarters since the prices are still at “high optimism”, may not worth it to lock in for 12 or 24 months. The partial relationship of oil price trend (now is weaker) and market cycle range (18 to 27 cents/kwh) may be used to position the “optimism” of current EE price.

Regardless which choice, it will be always cheaper than SP (Singapore Power) rates, so we should make the choice of new EE service provider ASAP when it is available in your area. With intense competition, it is hard for EE power generation company to make profits, one company has recently withdrawn from the market.

You may benchmark prices different EE companies here (enter size of house and average kwh used monthly). Comment below on your choice of company + package (fixed price or 23% discount over standard SP price), stating the reason of your choice.

Knowledge of investment (eg. commodity market: crude oil, etc) could be helpful in our daily lives, including reduction of electricity bill. You may sign up for free 4hr investment course by Dr Tee to learn about different investment markets: stock, property, commodity, bond and forex.

Dr Tee Investment Course (Stock, Property, Commodity, Forex, Bond)

Filed Under: Uncategorized Tagged: reduce electricity bill

Global Stock Market 2019 Risk and Opportunities

Posted on January 1, 2019 Written by Dr Tee (Ein55)

Stock Market 2019

Happy New Year 2019 to Ein55 Readers!

Year 2018 has been a bearish year for global stock market including Singapore, US, China, Hong Kong, Europe, etc. Crisis is nearly always an opportunity for stock market if one knows What to Buy, When to Buy/Sell. There are 2 possibilities for Year 2019, both are “good news”, either a major correction (moderate return, suitable for trading) or a global financial crisis (tremendous return, suitable for investing).

1) Major Correction (>10-25% discount) – Political Economy

Uncertainty in US-China trade war has resulted in major correction in global stock market, starting with the rest of the world (except US) in beginning of the year 2018, then dragging US stock market along to join the bearish train since Q4/2018. Before Q4/2018, US was the only major economy which still has bullish stock market, therefore Trump was confident to fight against China and the rest of the world to reach the best trade deals for US.

Trump views S&P500 as his performance indicator which has risen by about 30% since he got elected 2 years ago to a peak of 2900+ points. With S&P500 falling below critical 2500 points (lowest was 2300+ points) over the last quarter, Trump has to think twice as his KPI could become negative if falling below 2200 points for S&P500. Both US and China have to compromise during 90 days cooling period, reaching a win-win deal by end of Feb 2019. If not, it may not be a just a major correction.

China has suffered in real economy, not just a “crisis” in stock market. Recent China PMI is falling below the critical 50 points, if trade war continues further, China could suffer long term recession as Japan several decades ago. Burst of China property market with high corporate debts could make it worse. If China is willing to “give face” to Trump with major compromise, Trump could declare “victory” to end the Episode #2 of Trade War to support his re-election for second term US President by end of next year.

So, current stock market is mainly suitable for short term trading, applying trend-following strategy. VIX (Volatility Index) has been above critical 20-30 points, daily market volatility could wipe out many day traders. Since short term stock market is bearish, any recovery of stock market could be short-lived, a more consistent uptrend has to be established before entry. Based on probability, shorting strategy in short term still has higher winning rate but careful selection of stocks (eg. weak fundamental with downtrend with certain form of crisis) is important with enforcement of S.E.T. (Stop Loss, Entry Price, Target Price) in trading plan.

2) Global Financial Crisis (>25-50% discount) – Systematic Risks

Political economy (eg. US-China trade war, US interest rate hike, etc) alone may not be powerful enough, when combining with a Black Swan (eg. burst in property / commodity / forex markets) at high stock market optimism, then it could trigger the next global financial crisis which is overdue.

Some stocks could go bankrupt during crisis at Level 1 (company crisis), Level 2 (sector crisis), Level 3 (country crisis) or Level 4 (world crisis). Therefore, it is important to consider 10 fundamentally strong giant stocks (minimize unsystematic risks), buying at low optimism price (minimize systematic risks), aligning with L1-L4 crisis.

Position in current global stock market requires alignment with own personality, eg. time frames of interest, risk tolerance level, reward expectation, etc. Unique personalized strategy is required, defining own 10 dream team stocks with entry and exit.

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Crisis is an Opportunity only for those who are prepared. You may join the next 4hr free stock trading/investing course by Dr Tee. Register in www.ein55.com

For overseas readers, you may join the online stock investment course by Dr Tee ($100, currently at special rate of $25).

Filed Under: Uncategorized Tagged: Stock Market 2019

Root Finding Trip to China Fujian (寻根之旅) with Personal Analysis of China Stocks Opportunity

Posted on December 18, 2018 Written by Dr Tee (Ein55)

I just complete a meaningful cultural tour with family to Fujian of China, having better understanding of different dialect groups common in Singapore & Malaysia: Hokkien, Teochew, Hakka, Fuzhou (Hockchew), etc.

My grandparents came to Nanyang (Muar, Malaysia) about 100 years ago from Yong Chun (永春) of Fujian, China, to pursue a better life. Even my own parents don’t have chance to visit China. So, after travelling to many big cities globally, I have decided to visit “ulu” area of China to understand the original root of my family. 饮水思源！

The trip over 9 days, travelling over few thousands km around Fujian （福建）& Guangdong （广东） provinces, covering second / third tier cities such as Xiamen/Gulangyu （厦门/鼓浪屿）, Chaozhou/Shantou （潮州/汕头）, Meizhou （梅州）, Wuyishan （武夷山）, Yongding （永定）, Yong’an （永安）, Fuzhou （福州）, Quanzhou （泉州）, etc.

It is an eye opening for me, especially I can hear Hokkien spoken in Xiamen and changes in dialects in different cities, as well as different local signature dishes for meals. I have forgotten how many cups of tea and beer which I have drunk in the entire journey. The special show (印象大红袍) designed by Zhang YiMou is truly enjoyable with 360 degrees rotating seats around the nature.

We also visited the old house of ancestor for late Mr Lee Kuan Yew in Dapu (大埔), a museum with statue of Mr Lee is built nearby there. The tour guide could not understand why Mr Lee never really visited this place before last time. I explained to him that Mr Lee does not want people to remember him in this way, this is related to old house incident in Singapore. This makes Mr Lee “immortal” as we would remember of what he has done for Singapore, not just respecting a statue.

I was very touched when the tour guide pointed at the harbour of city which could be the same port of departure for many of our ancestors 100 years ago. Their sacrifices have given a better new life for the next generations.

Now looking back, China has been suffering over the past 100 years due to political instability. Over the past 2 decades, China joins the WTO, opening up the door to the external world, economic development is beyond imagination since then. China stock market has been falling into crisis with low optimism, many people worry on the impact of recent US-China trade war.

Here are my Personal Analysis (PA) of China stocks / economy based on observations in current trip, comparing with past experience in other China cities.

1) Consumer Stocks

China is still dependent on domestic market for consumer market, at least for smaller cities, few foreigners (non Chinese) there in smaller cities. This would help to reduce the impact of trade war with sustainable domestic consumption. Stocks with consumer staples (essential products such as food & beverages, household products, etc) are relatively more defensive due to popular support on daily basis, Consumer discretionary is suffering, shopping malls with branded premium products have few customers, especially RMB is getting weaker with declining China stock market.

China is no longer “cheap”, even with 1 SGD to 5 RMB, prices of certain products or services (eg. movie ticket, milk tea, Big Mac) is only half of Singapore or even more expensive than here. This is tremendous pressure to China local people staying in cities, high cost of living (property, spending, etc) with slower growth in salary.

2) Healthcare Stocks

China Chinese people have very different practices, eg. “aunties” could wake up 7am+ in winter to exercise qigong, then dancing as a group in the evening. China has too many people, older generation would retire earlier to give the chance of job opportunities to younger generation. Staying active is a way to remain healthy, dancing in the park or square is one of the best options.

Healthcare stocks would have brighter future due to aging population with rising in middle class, having strong spending power. Despite the new second child policy, some families are used to 1 child or no child at all (similar to Singapore experience), therefore spending on oneself could be more.

3) One-Belt One-Road Stocks

Even before One-Belt One-Road initiative, China has pumped in a few trillions of dollars since year 2008 (last global economic crisis) to build up infrastructure (highways, high speed railways, long bridges, mega buildings, etc). The spider web of connections have helped money (products & services) to flow all over the China, balancing between cities and rural areas, connecting to external world.

Compared with trip to China 20 years ago with many bicycles seen, now the scene on the road is replaced with cars everywhere, not even motorbikes, a sign of modern developing country. Highway is getting important, it is easy money for China stocks with monopoly business to collect toll fee.

Sinopec (HKEX: 0386.HK) petrol stations could be found nearly everywhere, the business fundamental is strong, better than counterpart PetroChina (HKEX: 0857.HK). Both giant stocks are the second & third largest oil & gas companies in the world, currently at low optimism in share prices. Brent crude oil price has dropped below US$60/barrel, combining with bearish China stock market, oil & gas stocks in China are heavily corrected.

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Chinese people could live in any continent or city globally but each generation will have its unique root. Malaysia is root or hometown to me and my parents while Singapore is extended root for my own children as they are born and growing up here. Investment could be integrated into our daily lives, mastery of financial literacy would help us and our future generations, there is no need to migrate again due to financial reasons.

Crisis is an opportunity for giant stocks. You may learn in free 4 hours stock investment course by Dr Tee to integrate Optimism, FA (Fundamental Analysis), TA (Technical Analysis) and PA (Personal Analysis) for global giant stocks. Register Here: www.ein55.com

Filed Under: Uncategorized Tagged: china stocks

Job vs Hobby

Posted on December 5, 2018 Written by Dr Tee (Ein55)

Job vs Hobby
Dr Tee has been working in semiconductor industry for about 20 years in the past, climbing up corporate ladder from engineer to manager to director to VP, eventually I am CEO of my own company (10% semicon consulting + 90% investment education).

I was the General Chair of 10th EPTC 2008 Conference (Top IC packaging conference in Asia), 10 years have passed since then, good to gather with many old friends in tonight’s 20th anniversary of EPTC 2018 conference again.

I am glad to meet up today with a few Ein55 students who are working in semicon industry in Sentosa Resort World Convention Center. I have also shared my experience with younger members in semiconductor field, here is the summary:

1) Semiconductor is cyclic in nature. Staff could work hard (sometimes overnight without sleep, I did that in my early years as well) for company to make money but when business is bad, company may not show mercy to layoff staff, simply Hire & Fire when needed.

2) It is important to plan ahead during bull market when company business is doing well, converting the active income into an investment portfolio before retirement. A professional job should be a hobby for us while investment by right is an hobby, should become primary focus for us.

3) You may need to a PhD for engineering / semicon but only need primary school (PSLE) qualification for stock investment. In fact, many smart people lose money in stocks, even university professors are interested to know how to invest to profit in lifetime, not just depend on a job with salary, working till retirement. Stock investment can be very simple (if following step by step on proven methods such as Optimism + FA +TA + PA) but also can be very complicated (if you try other speculative ways such as listening to news and rumors).

4) When working in semicon / technology field, stock investment should be on other industries (eg. property, healthcare, F&B, etc) for diversification as each sector has its own cycle. If work and invest in only 1 sector, risk is high when sector crisis comes (eg. Oil & Gas, Dot Com bubble, etc)

5) We were in Genting Resort World, so I use the example of shareholding is as if owning a casino table within the big casino, sharing the profits gained without need to put in any active effort, therefore it is called passive income.

There is a fine line between job and hobby if we know how to balance. We only need to invest 10% time on investment but the outcome can be more important than 90% of time spent in job which help other people’s company to make money. Invest in oneself, not others.

I will share more life lessons (investment / work) with members in tomorrow session during EPTC 2018. For others, you are welcomed to listen to my 4 hours free investment course, register in www.ein55.com, this could be the best investment of time, learn with open mind, it is not a sales talk.

Filed Under: Personal Analysis Tagged: job vs hobby

5 Stock Investing Lessons from Car COE

Posted on November 28, 2018 Written by Dr Tee (Ein55)

Latest Singapore Car COE for Cat A (Nov 2018) is $25000, falling from nearly $100000 over the past 6 years till now. Many people wonder if it is possible to get COE at $50 or even $1 again.

I review the last year Ein55 Graduate Homework (Nov 2017) in application of Optimism on Singapore Car COE, here are the 5 lessons which can be learned and extended to stock investing.

1) Trend of long term car COE is up, indicating COE has become an asset (although limited lifetime of 10 years) or commodity which has value.

– Similar to investing, even for giant stocks which could grow in share price over the decade, they may not be suitable for everyone, only for longer term investors. A key difference is stock value could remain or stronger after 10 years but Singapore Car COE would drop to value of $0.

2) Optimism has been declining over the past 6 years, COE price trends have been bearish in short term and medium term. Over the past few years, each time COE shows a record lower price since the peak of $100000, potential buyers would get attracted to buy car but get disappointed later as price continue to drop further the next year.

– Similar to investment, even for long term value investing stocks, their share prices could fall in short to medium terms. Therefore, integration of trading into investing is crucial, avoiding buy low get lower. More importantly, an investor should know the fair value of a stock, buying at a low optimism price.

3) Few people is able to buy at $1 historical low price of Car COE as usually it happens during global financial crisis when most people are fearful with limited cash or purchasing power. The timing of next possible $1 Car COE price depends on when will be the next global financial crisis and also the degree of low optimism.

– Similar to stock investment, we don’t have to guess when a crisis would come. Instead, we just wait for the low prices come to us. When the great sales of global stocks (global financial crisis) has come, one needs to prepare in advance, eg. selling stocks at high optimism first, converting to cash, waiting patiently for prices to drop below value again, more precisely, a low optimism price. This way, we don’t have to speculate on future happening, depend on known facts of value and prices available now to make a high probability decision: Buy, Hold, Sell, Wait, Shorting.

4) In general, Car COE Category A < $10,000 could be considered low Optimism price, any lower price (eg. $1 to $9999) is just a bonus. Value is what you get (10 years COE) and price is what you pay. Therefore, for 2 different car buyers, one may buy COE at $10000 while another one may be lucky to get at $1, but both will be happy, $10000 buyer may not think “losing” of $9999 when comparing with lucky case of $1.

– Similar to stock investing, investors should not speculate to buy at the lowest price as it is nearly impossible to know (reverse is also true, to sell at the highest price). Instead, we should apply Optimism to know when to buy low enough, when to sell high enough, which is more reliable from probability point of view. Some stock investors who acquires stocks at high value (eg. high quality assets of property or cash), they may still feel “lose” money when share prices fall down. One should train to view value and price as if buying a handbag at 2 different sales, one could be 50% sales, another one could be 70% sales, both are bargains, no need to buy at the best sales which no one would know exactly.

5) For car owners with COE expiring soon, there is an option to renew with 5 or 10 years extended COE (at the current rate of $25000), using the next 5 or 10 years to wait for the next global financial crisis, if it happens 2 years later, just sell back the remaining years of COE (eg. 3 or 8 years) at the original price of $25000, buying a new car with lower optimism COE price (eg. less than $10000 for Category A), “earning” from the difference.

– The strategy above is similar to shorting in stock trading, sell high buy low. Although there is no shorting in Car COE, this is a strategy as car owners may not able to wait for a period of time without car to buy car at low optimism price. However, it is possible for stock investors to keep 100% cash, waiting for the next global financial crisis to buy low safely with 10 global giant stocks, assuming one has the holding power through the winter time of stock market.

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Learn from Dr Tee in high-quality 4hr free stock investment course to learn the Optimism strategies with integration of Fundamental Analysis (FA), Technical Analysis (TA), Personal Analysis (PA) with integration from markets Levels 1-4 (business, sector, country, world).

Filed Under: Commodity Market, Market Cycle Investing Tagged: Car COE

Red River for Global Stock Market (满江红)

Posted on November 20, 2018 Written by Dr Tee (Ein55)

Red River for Global Stock Market
Bearish stock market today with all major stock markets in red. As mentioned before, when short term trends are bearish in global stock market, probability is higher for the share prices to go down further.

The main worry now, even US S&P 500 is below 2700 points, if falling further to below 2600 points, then it will follow the short term bearish trend of global stock market, then the risk of global financial crisis will be greater, unless US-China trade war could see light at the end of tunnel.

Based on Trump’s strong actions so far, the deadlock likely will continue until year 2020, second term of US presidential election. The House of Congress dominated by Democrats may also create new variables such as investigation of Trump or slowdown his future actions.

Market fear could be contagious, if US (contributes to about 50% of world stock value) stock market is also falling down, even strong fundamental stocks could have capital loss in stock market.

Take actions now:
1) If you have stocks, do Spring Cleaning (what to hold or sell)
2) If you don’t have stocks, aim for Dream Team stocks (what to buy, when to buy)

Spring Cleaning could be painful for some people. Ideally, cut loss should be integrated into earlier strategy when price drops by 10%. If the price drops more than 20% or even 50%, most people would simply ignore the losses, changing from a short term trader to a “long term investor” to hold on to paper loss.

Spring Cleaning does not mean it is a sell. It could be a hold. In general, perform spring cleaning this way:

1) Strong Fundamental Stocks vs Weak Fundamental Stocks
– Keep Strong One, Sell Weak One

2) If Strong Fundamental: Cyclic vs Growth Stock
– For Cyclic stocks (eg. banking finance, property, technology sector, airline), even if fundamental is good, if trend is down, need to consider to sell first, one could buy back in future.

For growth stocks, it is possible to hold with condition that the entry price last time was a low optimism price, otherwise it could still be a loss by now as entry / buying price is too high.

You may learn 10 strategies (Optimism + FA + TA + PA) to make money in stocks with Market Outlook 2019 from Dr Tee free monthly workshop, register in www.ein55.com

Filed Under: Stock Market Tagged: red river

6 Strategies NOT to Lose Money in Stocks

Posted on November 12, 2018 Written by Dr Tee (Ein55)

Most people focus too much in making money in stocks. In fact, we should learn how NOT to lose money in stocks. When we take care of downside (possible way to lose money), upside would take care of itself (making money naturally).

Let’s learn what are 6 common ways to Lose Money in Stocks, solutions are given to reverse the probability from likely to lose money to likely to make money in stocks.

1) Buy Cheap Stocks regardless of business fundamental

This is a common mistake for novice investor, especially focusing on historical low share prices to buy low or buy cheap, ending up lower or cheaper share prices over the time, therefore a loss. There is always a reason for stock prices to fall down, eg. market fear, declining business, negative news, etc. If the share prices fall down to low optimism due to declining business, this is a low quality opportunity.

Solution to Make Money:

For every low or cheap prices, double check the reason of falling. Fear driven (eg. market crisis while fundamental is strong) is better than weak business driven. Combine TA (price) with Optimism and FA (business), don’t buy just based on “cheap price”. Only consider giant stocks (strong business fundamental) before considering lower prices with TA or low optimism opportunity.

2) Buy Low for Share Price with Downtrend

Trend-following is critical, especially for short term to medium term trader. During market correction phase, when trend is bearish, action to buy low could end up lower in share prices, even the business fundamental is strong.

Solution to Make Money:

Align buy low with uptrend of prices, shorting with downtrend of prices. At least wait for price breakout the next resistance before buying, breakout the next support before shorting.

3) Buy Crisis Stock without protection

It is nice to buy crisis stocks, including giant stocks (eg. oil & gas / commodity stocks, China / Hong Kong stocks, casino stocks, etc) when share prices drop to less than 1/2 or 1/3 of prices, even at low optimism. Sometimes, the crisis could be so severe, even a giant could fall down and business could go bankrupt due to unexpected crisis beyond the risk tolerance level of company, eg. short term cash is insufficient to pay for short term debt, resulting in selling of valuable assets, increasing the market fear to drive down the share prices further. Investor could suffer huge loss this way.

Solution to Make Money:

It is fine to take risk for crisis stock but one has to limit the capital allocation (eg. less than 10%) for speculative investment. To take calculated risks, focusing in crisis stock with business which has strong sponsor (major shareholder with > 30% share), debt/equity < 1, sufficient cash to pay for short term liability. For trading, always apply SET in plan: Stop Loss, Entry Price, Target Profit. The Stop Loss is a natural defense system, especially there is insufficient diversification but Stop Loss should not be abused as random trading with SET would not give an edge, decision on SET should be based on Optimism, FA (Fundamental Analysis), TA (Technical Analysis), PA (Personal Analysis), etc.

4) Buy only a few good stocks

There is always uncertainty in future business, even a stock is doing well today technically (prices) and fundamentally (business), it does not mean they will continue to do well in future. Sometimes unexpected business risk (unsystematic risk) related to company scandal, hidden risks, management issues, etc, could affect the company business and share prices. If an investor invests in only a few stocks (eg. less than 5), even they are strong fundamental / technical stocks, when unexpected crisis comes, the loss could be tremendous.

Solution to Make Money:

A smart investor would need to have at least 10 stocks for diversification, ideally distribute over giant stocks in various sectors and countries to avoid the concentration risk of a few stocks. Having 10 stocks could help to minimize unsystematic risks significantly related to business / operation in future.

5) Focus only in individual stocks (Level 1)

No matter how strong is one’s analysis (eg. Optimism + FA + TA + etc), even with enough diversification (10 or more stocks), if there is misalignment between individual stocks and mega trend of stock market (eg. country), one may suffer eventually. Country and world stock indices represent the money flow of smart investors and big funds through blue chips, prices go up when money is flowing in, prices do down when money is flowing out. If the stock market is bearish, 90% stocks are falling down with only 10% stocks are uptrend, even a trader is aligned to buy low with uptrend, the probability of success is lower as it is against the higher Level 2 (sector), Level 3 (country) or Level 4 (world).

Solution to Make Money:

There is no need to diversify into too many stocks (eg. over 100 stocks) because this could not fight against the systematic risk (eg economic cycles), which can only be minimized with investing in low optimism stocks aligned with Level 1 (individual stock), Level 2 (sector), Level 3 (country) and Level 4 (world).

6) Personality Mismatch in Strategy

Even if one could learn the best method or strategy but misaligned with own personality, results could be negative. A short term trader may lose money if buying an undervalue stock at low optimism but not having patience of a few years to hold for recovery and capital appreciation. A long term investor could also lose money when buying a strong giant stock at high optimism price with downtrend in short term prices as the minor correction in share prices could become a major global financial crisis if trading is not integrated into investing.

Solution to Make Money:

Perform a personality test on inclination towards trading (short / medium terms) or investing (long term / lifetime). A successful trader or investor has to align the trading plan or investing strategy with unique personal condition (eg. reward expectation, risk tolerance level, health condition, capital amount, time resources, technical knowledge, response time for actions: Buy / Hold / Sell / Wait / Shorting, etc). Knowledge could only be translated into fortune through taking at least 1 action (which may not be Buy or Sell) which has to be aligned with own unique personality.

The right or wrong in strategies above very much depend on one’s personality. Eg, a professional trader may not study business fundamental at all, applying pure trading (trend-following, following SET plans consistently, careful money management) with price actions, could also make money. Similarly, a smart investor could buy undervalue stocks with downtrend prices in contrarian way (buy when others are fearful) without consideration of TA, also could make money. However, for most traders and investors, it is relatively safer to integrate fundamental (FA) and technical (TA) with Optimism Strategies with alignment with own PA (Personal Actions).

Remember Warren Buffett’s first rule of investment: “Never Lose Money”. Based on my understanding, it does not mean don’t lose money at all. It means we need to have a strategy which aligns with our personality which eventually chances of winning is much more than losing money, therefore naturally one would “not lose money”. Even Warren Buffett himself has suffered 50% “loss” in share prices for Berkshire (BRK Class-B dropped from $100/share to $50/share) during 2008-2009 subprime crisis but he is confident to hold them through the crisis, share prices now is above $200/share, therefore he is “not losing money”. However, another person who copies Warren Buffett to buy the same stock portfolio but does not have the same faith, could suffer capital loss if Buy High Sell Low eventually for strong giant stocks.

Reader, consider other possible ways (eg. buy based on rumours / news / insider tips / own feeling) likely to lose money and propose a solution. Let’s avoid these traps in stock trading or investing. We can learn from mistakes, then the probability will change from losing money to making money in stocks.

You may learn 10 strategies (Optimism + FA + TA + PA) to make money in stocks from Dr Tee free monthly workshop, register in www.ein55.com

Filed Under: Uncategorized Tagged: Lose Money in Stocks

Download Latest 2 eBooks by Dr Tee: Market Outlook 2019 & Top 10 Dream Team Stocks

Posted on November 9, 2018 Written by Dr Tee (Ein55)

Fresh from Oven: Download the latest 2 FREE high-quality stock investment eBook by Dr Tee on (1) “Global Market Outlook 2019”, covering comprehensive investment topics: Stock, Property, Commodity, Forex, Bond and Political Economy & (2) “Dream Team Portfolio 2019” with Top 10 global stocks for capital gains and passive incomes. Past readers have benefited both stock investment ebook, learning Simple and Powerful strategies which deliver incredible results in stocks.

Are you worried or excited about the current global stock market, especially with the controversial US President, Donald Trump with US-China trade war? Every crisis is an opportunity for investing. You will learn useful methods step by step from 2 valuable FREE stock investment eBook by Dr Tee which work in stock market. Take action now to surprise yourself!

Dr Tee 刚完成2本投资秘籍。《环球市场展望2019》书内覆盖很多在环球主要市场 (美国、新加坡、香港、中国、欧洲) 的投资议题及提供解决方法。《10大梦幻股票2019》书则分享了各种实用投资策略于10大高潜能股票。很多读者已经从Dr Tee过去发表的股票投资书中受惠，大家可在Dr Tee 的最新报告中洞悉环球市场目前面对的风险及机遇。

Table of Contents (FREE Stock Investment eBook #1: Global Stock Market Outlook 2019)

Mass Market Sentiment Survey （大众市场情绪调查）
Review of Global Stock Markets （环球股市回顾）
US Market Outlook （美国市场展望）
Regional Market Outlook (Europe, China, Hong Kong) （区域市场展望）
Singapore Market Outlook (Stock & Property) （新加坡市场展望）
Conclusions and Recommendations （总结及建议）

Table of Contents (FREE Stock Investment eBook #2: Top 10 Global Stocks – Dream Team Portfolio 2019)

Personalized Stock Investment Portfolio （个人化股票投资组合）
Ein55 Global Top 10 Stocks （10大全球高潜能股票）
Summary of Actions （投资方向总结）

The safest time to buy a stock is when everyone is afraid the sky will fall down while the business is still operating normally with consistent performance. This could be a rare opportunity to buy during a crisis, we should learn how to take this advantage to truly buy low sell high.

When Optimism Strategies are combined with Fundamental Analysis (value investing & growth investing), Technical Analysis (support / resistance / trends), and Personal Analysis (mind control of greed and fear), it is very powerful as one can take the right action (Buy, Hold, Sell, Wait or Short) at the right time aligning with his own personality.

The unique Optimism Strategy developed by Dr Tee provides a special advantage to know which investment (stock, forex, property, commodity, bond, etc.) to buy safely, when to buy, when to sell, including the option of long term holding. So far over 30,000 attendees have benefited from Dr Tee high-quality free stock investment course to the public. Take action now to invest in your financial knowledge, starting your journey towards financial freedom.

Dr Tee建立的乐观指数策略让投资者知道哪种投资(股票、外汇、产业、商品、债券等)可以安全进场；何时买入；何时卖出；或选择长期持守。迄今已经有超过3万名人士从Dr Tee为大众提供的高质素免费课程中受惠。在这些高品质的免费股票投资课程里，Dr Tee会按部就班教导学员威力无比的方法，如何挑选强大的环球增长型股，然后耐心等待从不同的危机水平以低价买入，为股息收入持守，之后最终以高价售出来获取资本收益。马上行动，利用你的金融知识进行投资，开始你迈向财务自由之旅。

Stock Investment Course in Singapore: Learn 10 Strategies of Stock Trading & Value Investing (股市投资策略)

1) Master Buy Low Sell High for all investment markets (stock, property, commodity, forex, bond) (买低卖高：股票、房地产、商品、外汇、债券)

2) Profit in bearish and bullish markets, understanding the true impact of US Interest Rate Hike, Bullish Global Economy, Oil & Gas Crisis (环球经济)

3) Long-term stock investment strategies to outperform portfolio return of Temasek, Li Ka-Shing, Warren Buffett, major stock indices/ETF and other funds (长期投资策略)

4) High-probability Shorting techniques for short term traders to profit from falling stock market while others are losing money or doing nothing (短期卖空技巧)

5) Generate consistent Passive Income with REITS and real property with knowhow of high dividend stock and property market cycles (房地产信托股的被动收入)

6) Methods of Spring Cleaning for own stock portfolio to eliminate junk stocks without any hope (股票大扫除)

7) Time for Global Financial Crisis to buy blue chip stocks on sale (危机也是良机)

8) What to buy (stock screening), When to buy/sell (buy low sell how), How much to buy/sell (risk management): (股票三部曲：买何股？何时买卖？买卖多少？)

9) Fundamental Analysis (FA) + Technical Analysis (TA) + Personal Analysis (PA), integrated with unique Optimism Strategy by Dr Tee (乐观指数：三法一体)

10) Global Stock Market Outlook: emerging opportunities with high potential in Singapore, US, China & Hong Kong stock markets (环球股票市场展望：新美中港，股票良机)

3 BONUSES for Dr Tee Stock Investment Course in Singapore:

Bonus for Readers: Dr Tee Investment Forum with over 7000 members (Private Group)

(Please click “JOIN” with link above and wait for Admin approval of membership)

Market Outlook (stocks, properties, bonds, forex, commodities, macroeconomy, etc)
市场展望 (股票、房地产、债券、外汇、商品、宏观经济等)
Optimism/ Fundamental / Technical / Personal Analyses
（乐观指数 / 基本分析 / 技术分析 / 个人分析）
Investment risks & opportunities （投资风险及机遇）
Dr Tee graduates events and activities updates （Dr Tee学员活动最新消息）

Dr Tee Tong Yan (Ein55) Stock Investment Course in Singapore Review:

“I attended your free seminar on 11 March 2015 and CWT was mentioned a couple of times. I entered CWT when it hit $1.50 support on 23 March 2015. I found CWT to have better FA while using the free stock screener shared. I have already recovered the 5-day course fees from CWT. Thanks!”

Robin (audience who attended free stock investment course in Singapore, following by 5-day course in May 2015)

Click here to join FREE Dr Tee (Ein55) Stock Investment Course in Singapore: www.ein55.com

Filed Under: Uncategorized Tagged: stock ebook

$132,000 Charity Courses Donations for Tzu Chi (慈济) with Summary of Discounted NAV Stocks

Posted on November 6, 2018 Written by Dr Tee (Ein55)

Dr Tee, Ein55 Mentor & Graduates have together organised 7 charity investment courses (REITs/Business Trusts in Nov 2015 and May 2017, High Dividend Stocks in Mar 2016 and Oct 2017, Capital Growth Stocks in Apr 2018 and Discounted NAV Stocks in Sep 2016 and Nov 2018) in the past 3 years, donating net income of around $132,000 to Tzu Chi 慈济 (Singapore). We hope to inspire more Ein55 Graduates to reach out the society, helping others who are in need. More importantly, they have also learned the secrets of making money through investment. When more Ein55 Graduates are successful financially, they could also contribute back to the society to help more people in future.

Here are key learning points from the recent Charity Course on Discounted Net Asset Value (DNAV) Stocks:

3 Rules in calculation of Discounted NAV stock value (from Balance Sheet)

1) Non-discounted asset

– Cash, Land & Building, Investment Property that generate rental income, financial asset at market value

2) Zero value asset

– Goodwill, club membership, deferred Tax, Software licenses and etc

3) Up to 50% discount asset

– all remaining asset

Discounted NAV = Sum of “discounted” assets – (Total Liabilities + Minority Interest)

3 Steps in Discounted NAV Stocks Investing Strategy (What to Buy, When to Buy / Sell):

1) Scan out the list of stocks with Price-to-Book Ratio, Price/NAV = PB<1X

Start with balance sheet, restate assets at fair market value to calculate Discounted NAV (DNAV). Classify the stock scanned out into property related stocks and non-property stocks

2) Shortlisting the stock with Price/DNAV <1X, performing 5-Factors Business Fundamental Check.

Rank the final shortlisted D’NAV stock in watch list. For property related stock, look for P/DNAV < 0.8X.

3) Combine Optimism Method to decide BUY/SELL points

BUY – when low optimism, <25% for both Long Term & Medium Term

SELL – when share price > NAV or Optimism >75%

1 of the 10 case studies mentioned in this charity course: Bursa giant stock, Selangor Properties Berhad (1783.KL) is acquired recently after the course notes is prepared, share price goes up by 40%. I am not surprised the remaining 9 case studies would be target of acquisition in future

We should drive the money (helping others when you are successful), not driven by the money (making money only for own gain). Investors should learn the unique Optimism Strategies with FA (Fundamental Analysis) + TA (Technical Analysis) + PA (Personal Analysis) developed by Dr Tee to choose strong global stocks, buying them at low price, then holding for consistent dividend payout or selling for high capital gains. High-quality free stock investment courses are provided by Dr Tee to the public.

Filed Under: Uncategorized Tagged: Charity Course, nav stocks, Tzu Chi

Key Learning Summary of Ein55 Fundamental Analysis Course #1

Posted on October 16, 2018 Written by Dr Tee (Ein55)

The Ein55 students have learned the details of Fundamental Analysis Course #1 from Ein55 Mentor Kee Min, understanding how to analyse for giant stocks with strong business fundamental.

I have reviewed the course feedback which are very positive, including sharing by Boon Sim: “This course clearly explains the critical information in financial statements and illustrates with recent real life examples on how to use fundamental analysis integrating with Ein55 styles to invest successfully. The strategies and experience on successful cases/ pitfalls shared during the course is valuable.”

Here is the key summary of Fundamental Analysis Course #1:

7 Steps Analysis Method

1) Company Overview

– Company Structure, Main Products / Services, Management, Competitors, etc.

2) Historical Profitability

– Positive uptrends of earning, cashflow, profit margin, etc.

3) Dividend Analysis

– Free Cashflow > Dividend

4) Leverage Analysis

– Debt/Equity < 1, Cash, etc.

5) Business Analysis

– SWOT (Strength / Weakness / Opportunities / Threat), Economic moat, etc.

6) Present Valuation

– Optimism + TA (Technical Analysis)

7) Exit and Entry plan

– PA (Personal Analysis) with systematic trading plan

Warren Buffett mentioned “It is better to buy a wonderful company at fair price than a fair company at a wonderful price”. We can sieve out wonderful companies through studying the fundamentals of a company. In combination with EIN55 optimism method, we will be able to create a strategy that will guide us in buying wonderful companies at wonderful prices.

Dr Tee provides free high-quality investment education regularly to the general public, including Business Analysis (BA), Fundamental Analysis (FA), Technical Analysis (TA), Optimism Analysis (OA) and Personal Analysis (PA). The knowledge could help a person for a lifetime, after mastering the right skills of stock investment. Register Below.

Filed Under: Fundamental Analysis Tagged: Fundamental Analysis Course

Stock Investment Course in Singapore: Learn 10 Strategies of Stock Trading & Value Investing (股市投资策略)

2 Free eBooks by Dr Tee (Click to Download)