Dear1 Dear2

The STI has reached 3,800 yesterday.

Investment. Investment means to gamble your money, hoping to make more out of less. Some people play the stock market – this is a fast earn fast loss market. Some people prefer to invest in unit trusts – my heart won’t miss a beat when my shares are still queing in the system, unable to be taken up by any buyer.

All of us wants to earn money. In this midst of this money grabbing process, we subjet ourselves to the fears and anxieties and worries and elation and shioks with the ups and downs of prices. Can the heart really withstand such pressure?

Every cent is hard earned money, so you have better make sure that your investment strategy is sound and not clouded by such emotional impulses. Develop a core portfolio – this will be in for the long time. To satisfy your own greeds and to join in the hearsays of that seemingly-made-a-lot-of-profit-friend, have a supplementary portfolio to Grow, Grow, Grow (or Lose, Lose) your monies.

Sentiments: Who is right? Who may be right? Nobody can really say, until you see that point in the chart, ie, the time has already passesd. Again, stick to objectivity, use excess money, evaluate personal risk appetite, evalaute current and near term needs, and look at the fund facts.

The STI is at 3,790 @ 3pm now. Aiyah, should have bought in more funds just now. But….. EVALUATE PERSONAL NEEDS!!! Not buy in sell out with the movement of the indices! Your heart will plummet when things are not looking good. Slap yourself, and continue to evaluate needs.

- Dear2