投资新手绝对不能犯的8个致命错误
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11 October 2021
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成败乃兵家常事,尤其是投资方面。生活的起起落落就如市场。然而,有些常见的投资失误是我们可以透过自我提醒来避免重犯。

以下是一些常见而您应该避开的投资错误,以迈向您的财务目标:-

不做功课
不要投资在您不了解的东西。在把您的血汗钱投资进去前,一定要先详细阅读和提出疑问。多阅读相关的投资或基金的资讯,以了解其中涉及的资产级别,还有您即将涉及在什么事情当中。

跟随大队
人云亦云是一种天性,而我们很容易被任何吸睛的资讯牵着鼻子走。这是错失恐惧症(FOMO)的证明,并可造成不理智的决定,如盲目跟从市场趋势。设下自己的规矩,制定自己的投资计划,然后照着它走。

把理性与感性混为一谈
在您的情绪与投资之间画下分明的界线,尤其是当其中关乎到买入或脱售。当在市场上涨时过度乐观,而在市场走跌的时候则不知所措,可能会让您作出不理智且冲动的决定,导致您从长期投资计划中脱轨。保持镇定和跟着计划走。

耐心不足
每个人都要快速获得回报和致富。但就如著名投资家查理芒格所言:“等待能够让您成为真正的投资者,可惜很多人无法耐心等待。”作为一名好的投资者,关键不是在于您知道多少,而是您的投资心态。

做得太多
可以说是“手痒”的问题。若在市场每次起落时,您都会不断探讨和调整您的投资组合,那您应该是做得太多了。其实,您应该跟着计划走,并持续依据成本均平法(dollar cost averaging)投资。试图猜度市场,通常会导致您最终吃尽苦头。

忘了重新找到平衡点
忘记为您的投资组合重新找到平衡点,可引致资产配置偏移,导致您的投资承受太多或太少风险。记得调整您的资产配置,以便您的投资组合符合您的需求和风险接受度。

不了解自己的风险承受力
投资者基于心理具有承担风险的弹性,可让他拥有更高的风险承受力。可是,若您考虑到他的财务状况及个人状态(如债台高筑、没有紧急存款),那他的风险容量其实很有限。投资者不应该对此感到混淆,而应根据实际风险能力而进行投资。

为不投资给借口
有些投资者告诉自己不能投资,因为他们“没有足够的资金”或“不知如何开始”。事实是任何人都可以投资,只要他们有规划。透过投资在最低投资额只需100令吉的单位信托基金和私人退休计划(PRS),您能够以小数额投资作为起点。及早开始,将让您有机会体验到复利的力量。
免责声明::

本内容由艾芬黄氏资本管理公司 (简称 “Affin Hwang AM” 专门准备,供其使用,还有指定目标受众和仅用于讨论目的。内容中包含的所有信息均属于Affin Hwang AM,未经Affin Hwang AM 书面同意,不得复制、分发或以其它方式传播。该内容中包含的信息可能包括但不限于意见、分析、预测、预测和期望 (统称为 “意见”)。这些信息是从包括公共领域在内的各种来源获得,仅是数据的表达。尽管本内容是根据信息和/或在准备内容时认为是正确的意见而编写的,但 Affin Hwang AM 对任何此类信息和/或意见的准确性和完整性不作任何明示或暗示的保证。Affin Hwang AM 及其关联公司可以在本内容所涉及的任何交易或与任何此类交易有关的任何其他交易中担任委托人和代理商,并或因此赚取经纪费、佣金或其他收入。本内容中的任何内容均不应被当作或不应被视为购买或出售任何证券或邀请其认购任何证券。Affin Hwang AM 或其任何董事,雇员或代表均不对由于包含在本演示文稿中或由本演示文稿衍生或提供的任何遗漏引起的任何陈述、观点、信息或事项 (明示或暗示) 承担任何责任 (包括由于疏忽或过失陈述而对任何人的责任),但无法排除的法律责任除外。马来西亚证券委员会不曾审核此材料,故不能对本材料内容承担责任,并明确声明不承担任何由此材料引起的事故。倘若中文版与英文版有任何出入,将以英文版为准。
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TENG CHEE WAI

Managing Director
Teng Chee Wai is the founder of Affin Hwang Asset Management Berhad (Affin Hwang AM). Over the past decade, he has built the Company to be the fastest growing and only independent investment management house in Malaysia’s top three, with an excess of RM47 billion in assets under management as at 31 December 2018.​

​In his capacity as Managing Director / Executive Director, Teng manages the overall business and strategic direction as well as the management of the investment team. His hands-on approach sees him actively involved in investments, product development and marketing. Teng’s critical leadership and regular participation in reviewing and assessing strategies and performance has been pivotal in allowing the Company to successfully navigate the economically turbulent decade.

Teng’s investment management experience spans more than 20 years, and his key area of expertise is in managing absolute return mandates for insurance assets and investment-linked funds in both Singapore and Malaysia. Prior to his current appointments, he was the Assistant General Manager (Investment) of Overseas Assurance Corporation (OAC) and was responsible for the investment function of the Group Overseas Assurance Corporation Ltd.​

​Teng began his career in the financial industry as an Investment Manager with NTUC Income, Singapore. He is a Bachelor of Science graduate from the National University of Singapore and has a Post-Graduate Diploma in Actuarial Studies from City University in London.
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