Original link: https://mercurychong.blogspot.com/2022/10/15.html
Every time Mercury Bear returns to China, he needs to open some letters that he had been away from Malaysia in the past few months.
This is an insurance investment link tool bought by the bank staff after lobbying by the bank staff when the young Mercury Bear went to Tiger Bank to open an account in order to post his salary when he was still working in Malaysia many years ago.
Starting from October 2006, the monthly contribution is RM100. As of December 31, 2021, a total of RM18,300 has been contributed, and the current value is RM18,968.75. The total return for about 15 years is 3.65%, and then look at the annual The fees levied, hmmm… don’t have to move out of the dividend investing method, even the ordinary fixed deposit returns are much better than it. .
When the Mercury Bear first set foot in the stock market, he tested this investment, but at that time, he thought that the investment amount was not large, and he also wanted to do a long-term personal experiment, instead of copying what others said, and kept it as a savings until now. It’s almost time to let it go and share a real personal experience.
Some people may think that this is just a case, and it is not possible to represent this tool in a general way, and it is true. However, under the premise that you have the most basic self-discipline, it is more reliable to rely on yourself for saving things. There is an extra layer of external borrowing, and there is always an extra layer of charges. When we start with a negative number instead of zero, we are already behind at the starting point. . If you can further evolve your savings into stocks by yourself, it will be more ideal.
Perhaps the bank clerk did suggest that he should sign the contract with good intentions, but it cannot be denied that the other party may recommend the same investment to all unfamiliar customers in order to earn commissions or achieve performance requirements. We do not recommend suitable investment vehicles based on the individual circumstances of our clients.
What I want to say is that the kind advice given by others should be used as a reference. Sometimes, the more people you ask for their opinions, the more confusing your mind is.
Most of this world is a hero of success or failure. No matter what decision you make, as long as the result is not good, you will be judged afterward.
If we follow someone’s advice and fail miserably, will that person be held responsible for our failure?
You still have to carry your own life. Instead of letting people lead you around, it is better to make your own decisions bravely.
Even if there is no achievement worth mentioning in life in the end, at least it is a solid life and there is no resentment.
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