I am here because ...

Lots of friends wonder why I become a Remisier. Why I am in this position of the finance sector. I am here because I see the gap of investment between elder investors and new generation investors. Those who has the experience during the 1997 financial crisis, they scared of stock market. They don’t even want to talk or mention about the stock and share. They were loss a lots of money at that time. For them stock and share is gambling. Instead, they never know why they loss money. They never figure out the reasons and they never tell the next generation about stock and share.

I am here to be Remisier because I want to let the new generation know better about the stock market and what is share. They must know investment because in this capitalism society, money is one of the important tools to live. New generation have lot of curious of the stock market. Since stock market is the largest market, why not let them understand the reality of it?

There are lots of investment tools and methods in the world. Besides properties, the major investment tools are equities, which were traded in the stock market. For example lots of new generations invest in mutual fund or call unit trust in Asia, but there is another new derivative call Exchange Traded Fund (ETF). ETF have lower fees than unit trust. The problem is less people know that and invest with it. Those who invest in unit trust may not know how it works too. This phenomenon shows a serious indication.

When I browse through the book stores, I can get lots of book talking about how to earn money in stock market. There are too many until I cannot finish even the content pages. What I found out, there are lots of them teach how they earn fast money. I personally feel that if investment can always make fast money easily, this world have no person willing to work anymore. If no worker, company performance will be drop; if the company performance drop, the value of the company will also drop. End up those earn fast money will loss back to the market and go back to work.

I am here to start a blog is because majority of my client is new generation and they are totally fresh in the stock market. Since they know how to use internet, I am here to write down the information for those who are new in stock market. Besides, I can also meet with expert in the internet, to learn and improve myself. Correct me if I am wrong please.

What is Stock and Share?

Share (also referred to as equity shares) of stock represents a share of ownership in a corporation.

Here is a company call ABC, “ABC Holdings Bhd.”. For example is company listed in Kuala Lumpur Stock Exchange (KLSE), and its total properties and cash worth $100. If this company issue 100 shares, that means every share of this ABC company worth $1 per share. When you buy 1 share, you are one of the shareholders of the company ABC. In other words you own 1% (1 share out of total 100 shares) of this company.

This ownership of the company, or call “share” is trade in the stock and share market (stock exchange). When you don’t want to involve in this company, you can sell out your share to other people or you can buy the share from other people. Of course, to trade the share, you need to Remisier do it for you.

From the previous example, you own 1 share of company ABC. You bought it last year. This year they announce their company result and they total earn another $200. This means company ABC now worth $100 + $200 = $300. Divided the value to its total share issue, which is 100 shares, each of the shares REAL VALUE is $3. Bear in mind your starting investment capital is $1 and now this company earn money and worth $3. You are shareholder and you earn $2. Your investment value increase 300%. BUT, the TRADE VALUE may not same as the REAL VALUE. This share can be trades in any price in the stock market depend on the share holder (seller) and share buyer.

The CEO of the company ABC gives his speech during the company result announcement. He says company performance will be better than this year for the coming result. He forecast the company earning can increase and earn total $300 in coming year. If his forecast is correct, company ABC will total worth $300 + $300 = $600. Each share will worth $6. Some of the investor believe, some of don’t believe. Now the share traded at price $4. You want to buy? Or you want to sell? With this price.

If you are confused with your situation, let me give you a summary here. From the latest result announce, company ABC profit improve and worth $3 each share, now buyer in the market offer $4 to buy from you. You want to sell at $4 or you hold your share or you buy more from stock market? If you think next year this company will lose money, why not sell now? If you are not sure the performance yet, you can hold. If you think the performance result will increase as the CEO told, why not buy more?

In stock market, there are different types of people. These people buy or sell has their own reason. Most of the time, they play the psychological games with you, little bit similar to the TV show call “Deal or No Deal”. You have a share on hand (the brief case), buyer offer a price you buy your share (the brief case). Deal or No Deal?

Remisier

Yesterday I post my first blog. Some of my friend suggest better further explain what does it means because last time they don't understand what is that when I told them I become a Remisier. They are totally no idea what does it mean.

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Remisier, formally known as Dealer's Representative in Malaysia. In USA, they call it broker. Since nowadays Remisier mostly deal with the trading of stock and share, they are stock broker.

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There is a history of the word "Remisier" come from. This word origin from French which means an intermediary. It was first appeared region during the colonial period in Malaya, where they dealt primarily in rubber and tin-related company that were listed on the London Stock Exchange.

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Now Remisier is a license intermediary person who help clients to buy or sell their stock and share which trade in the stock market. Besides help the clients to buy ans sell, their additional value is to monitor the counter, economy trend, news from the market, and help client to look for the information. Not every client is free to full time monitor their own stock everyday and have nothing else to do. They have their own job, the investment counter let the Remisier to monitor for them. If client have to monitor their own counter themselves, their working performance may affected.

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Another explanation for the Remisier according to my senior colleague is this term also come from those people simply buy, simple sell the share. For those understand cantonese, "乱买 Share". This is how Remisier come from. ☺

Who Am I?

First, let me give a introduction to myself. I am a Remisier, formally known as Dealer's Representative for the Malaysia stock market.

I am graduated Bachelor's from Chemistry and Biology Degree. After few years of working experience, I realise my increment speed cannot beat the inflation rate. When my salary increase, it doesn't mean I will have more money to save because either fuel or food price also increase.

I chat with my friends, senior in same field, and colleague. I found out most of them also face the same problem. I try to project all the saving and the Employees Provident Fund (EPF) until the time I retire, the value is actually decrease and actually not enough to support the life after retire. I know I have to look for other way to overcome this problem. Everyday spend out equal or near to the income means it is a hidden problem in the future.

After that start to read finance and marketing books. I want to look for a solution to be rich. How to define rich and poor? I will share my opinion in the coming articles. I see lot of people suffering from sickness and homeless. They have to work hard even they are at very old age. If they stop working, their will lost ability to survive. Everything has to prepare from the time you still have abilities to do it. Prepare for the time when you have to face it. For example, health must maintain from time to time, when health drops till serious problem, it is too late to do anythings.

I learn and discover some solutions and share it to my friends. When I tell the same story to every friend I meet, I know I have to start write down the story and share it here. It is because we have to fully utilise the technology and save the time and energy to repeat the same thing.

What ever I share, is my personal opinion. I welcoming all the feedback and discussion to improve the knowledge and idea. Why am I here?

Welcome my friends. Cheers for the success life!