投资新手?
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你正在探讨有什么方法能够增加财富,但整个过程让人望而却步,令你感到不知所措?抑或其实你只是不知从何下手?

这是大部分投资新手会面对的难况,而我们也对这种不安与忧虑感同身受。

不过,当中的问题大部分都是围绕在数个与投资息息相关、并可能妨碍你踏出第一步的迷思。

以下是三大投资迷思,以及真正有助你增加收入的事实。
迷思 #1:

投资很复杂
大部分投资新手面对的最大挑战,是战胜自己对投资抱有的恐惧心和难以理解的心态。就如全球著名投资家沃伦巴菲特的名言:投资不是“火箭科学”,而拥有高智商的人未定就比其他人表现得更棒。

规划是第一个步骤,也是投资过程中最重要的一步。如果你无法做好规划,你就等同是迈向失败一途。这是投资界不变的事实。

首先,清楚列出你的投资目标和确认自己要开始投资的原因。你是否是为购屋而要增加收入的千禧一代投资者?抑或你是接近退休生活、正寻找替代收入的投资者?

这与你的风险容量息息相关,也就是你对投资所存风险的承受度。你能接受你的投资组合内大部分的投资出现大幅度的波动吗?抑或你偏好不冒险及更为保守的投资方案?

规划你的投资目标和风险级别,将有助于你确认自己的资产配置和建立一个符合你所需的投资组合。
迷思 #2:

市场太过动荡不安
以投资新手的角度而言,市场看起来相当恐怖。我们时常看到基于发生了一些大事件,有关基准指数大跌和日内波动难平的新闻。可是,市场是有周期,最终还是会恢复正常。以过往的趋势来看,每个牛市周期的尾声时,市场的表现都会比上一个牛市来得强劲。

因此,投资者要如何掌控投资组合所面对的波动性?答案就在“多元化“—一个被验证过和真实的风险管理策略,并能够调整投资组合的回酬与降低蒙亏的风险。

一个多元化和低关联性的投资组合,可以让投资旅程变得较为顺畅,而且还能在面对欠佳的市况时,缓和你不安的情绪。同时,这也会促使投资者愿意留在市场,并在市场回弹时从中获利。
迷思 #3:

你需要一大笔资金才能投资
另一个成为投资阻力的常见迷思是认定投资需要大笔资金。随着大部分单位信托基金和私人退休金计划(PRS)如今的投资额是低至100令吉,这种“需要大笔资金才能投资”的说法也不攻自破了。

然而,你可能会有疑问:数额小如此的投资,会否增加你的回酬或能够协助你迈向投资目标。100令吉真的能够带来改变?只要你是有纪律,并会善用复利的威力(power of compounding)来持续性投资,那答案是“可以”。

例如,一名投资者在未来30年内每月投资100令吉。这会把其总投资额推高至3万6000令吉。假设目标回酬率是12%,其投资价值将增长和持续累积,预计最终的总额是超过35万3000令吉!

复利的威力被誉为“世界第八大奇迹”,所以千万不要低估它对你的投资组合带来长期影响。这也强调持续投资的重要性,以及市场走跌时太快退场的风险。

以小数额作为起点,并尽早起步,才能摘取到复利带来的甜美果实。
投资入门
投资其实并不复杂也不吓人。通过正确的财务规划和强稳的资产配置计划,你将成功拉近你与财富目标及梦想之间的距离。
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Copyright © 2021 Affin Hwang Asset Management Bhd
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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