Press Release On " The Sunday Times - Me & My Money " column On 01 July 2007

Hi Friends,

It's me again. Hope everyone is in great health to receive the latest news from us. Recently, on 01 July 2007, I was interview by Singapore Press Holding's financial correspondent, Lorna Tan, on how I manage my personal finance and secrets to investing. The interview was published on the weekly newspaper - "The Sunday Times." under the weekly column - " Me & My Money ", which share with readers some of habits of those financial professionals who have successes in their investment journey. Tips given by people who have been interviewed have been useful financial advices that readers could apply to help them in their management of their personal finances and in their own investing endeavors.

That's a new contribution that " 4 Steps To Financial Freedom " has been able to influence and impact those people out there who will benefit from reading the Popular's Best-Seller. Wish you all the best in your journey in controlling your financial destiny.

Yours Sincerely
Sean Toh

P.S. " 4 Steps To Financial Freedom" is also available at Amazon.com now!

@sk Sean Toh - What Are The Different Investment Vehicles For 8% Return With An Investment Time Horizon Of 15 Years?

Question For Sean Toh? - What Are The Different Investment Vehicles For 8% Return With An Investment Time Horizon Of 15 Years?

Hi Sean,

I recently made some money from an enbloc sale and would like to see this money work extremely hard for me at about 8%pa in order to support my semi-retirement at age 45 next year. Please share with me what investment vehicles I should use? Many thanks.

From
Albert

Here Is The Answers Specially For Your Questions, Albert! Sincerely From Sean Toh.

Dear Albert,

First of all, let me take this opportunity to congratulate you on your win in the property market. My first advice that I will give you is to learn to preserve at least half of the capital first because you might have to wait for the next Enbloc sale to reap a chuck of profit if you invest in the next property or this kind of opportunity may never ever happen again.

From the question you asked and the facts you have given me, you have another 15 years to generate returns and I do not want to take the time after 60 years old as your investment horizon time because you simply have no time for the investment instruments to risk your nest egg.

Fact 1 : Time For Investment – 15 years.

Fact 2 : Investment return – 8%.

The next few questions that I would like to address are :

1. What is your investment risk appetite?

2. How knowledgeable are you in your financial education to understand and use the different types of investment instruments to generate returns?

If you have a high investment risk profile, having more stocks in your investment portfolio will generate more returns but you have to know how to pick the right stocks to reap good returns. Returns from stocks can be varying or no return at all, you could even lose money too! You could even lose sleep over your investment if you do not have a high investment risk profile.Normally, financial planners will access your risk profile before they advise you on any suitable investment. As an example of the portfolio of an aggressive investor, you can see that he is willing to invest in stocks that might have growth potentials. This is just for illustration purpose only!

For a moderately aggressive investor, his investment portfolio might be something like that. For illustration purpose only! You will realize that the financial planner will structure some bonds in his investment portfolio so that the risks are reduced with the introduction of the new investment instruments called the “Bonds”.

For conservative investor, his portfolio might look something like this. For illustration purpose only! His investment portfolio will consist more Fixed Income. Example of Fixed Income is your Fixed Deposit or Cash Fund Units Trust.

To generate a return of 8% , you need to have a strategy to meet your investment objective. There are many ways to meet 8% returns. An aggressive investor might use volatile stocks to generate 200% in one trade and lose 30-50 % in multiple trades and the overall end resultant returns is 8-9%. For 15 years, he will do just that to achieve 8% annual return. In this case, the investor is actively trading in the market. Other investors might use a slightly different strategy to generate 6% annually consistently using more conservative portfolio with less stocks in the portfolio and fall short of the objective by 2% after 15 years. That is still not so bad as he is more laid back with trading and investing but just letting the investment portfolio works for him. Others might be so good in trading that they use Forex Trading or Options Trading to get their returns and they achieve their investment objectives much sooner with higher returns. My advice is to understand the mechanism of the investment instruments first before you invest it all yourself.

If you don’t like the idea of investing yourself, I will advise you to get a qualified financial advisor to plan for you. Ask him or her to propose a structure investment portfolio for you for a 8% returns for a investment time horizon of 15 years. If you are quite happy with it, you can then stick with the plan. There is definitely no fixed plan or guaranteed plan!

My point of view is with the stock market reaching a ‘high’ now at a STI Index of 3400-3500. Unless, the fundamentals and economical indicators can support good investment sentiments, the potential for growth might be limited. As for bonds like Singapore Bond Fund, you can only get returns of 3-4%. For fixed income instruments, return is minimum at 1.5-2%. Sophisticated stock investors can make huge amount of returns by shorting the market or using ‘put’ warrant to leverage on their investment. Opportunities are plenty-full but that depends on how you look at it and also your ability to reap return based on your financial literacy, quotient and risk profile to take risks and an excellent entry and exit investment plan while investing.

You will realize that I do not take clients or advise you to which is the most suitable instruments to use. Even if I recommend a particular investment instrument, that investor could not reap returns based on their investment psychological make-up. My advice is to understand your investment instruments well so that you can then invest. It’s ok to put the money in the bank and do nothing with it until you equip yourself with sufficient financial education and you have tested your investment trading system to reap return, then you can invest with confident. At least, you have your money for retirement, as you are still semi-retire with a job providing income for your living expenses. For the months when you are not making that much money, you just have to cut back on some of your expenses. Maybe, you just have to take a slightly longer time to achieve the desired sum of money that you wish to accumulate.

Here is a list of investment instruments and possible returns

Stocks – Varying return, return can be huge.

Bonds – 3-4%Fixed Income – 1.5-2%

Units Trust – Varying, return can reach 15-20% if you know how to time your investment with strategies.

Gold – Need to understand the operating mechanism as I personally is not well-versed in it.

Reit – Unit Trust in Real Estate or properties (can be residential, commercial or shopping center buildings). Return possible 5-6% with dividends re-invested back for more investment.

Stock Warrants – Varying return, return cab be huge or lose every single cents of capital if warrants expire.

Entrepreneurship or start a business – Varying return but take lots of passion to create a successful business. Risk is very high if you have no business sense.

Albert, I could only give you a guide to the big picture. I hope I have provided you with a clearer picture before you decide on your next move. Always remember, you are in control and responsible for your investment decisions even if you ask a good financial planner to help you achieve your investment objectives. Never put all your eggs in one basket, only master investors like Warren Buffetts or George Soros know what they are doing. Assets allocation is the strategy to manage your investment risks. Search the internet or read up books on ‘Assets Allocation’ and ‘Modern Portfolio Theory’. Last but not least, wish you all the success in your investment endeavors. Before I end, Albert.

Here is a Forex Trading Workshop from Nicholas Tan if you are interested to know more. Click here to know more!

Although I have recommended and advise you on lots of matters, it takes more than education, resources and advice for you to be successful. You need to be patience and committed to your plan to achieve a bit of success. It’s that bit of success that will motivate you even more to learn and apply what you learned in life for your future success. Just in case, if you have been waiting the whole day for all the answers. I will like to apologize for the delay to your answers because I believe in giving my best advice to you personally and sincerely from my heart. I needed the time to understand the problems you faced, understanding them and finding the right resources for your education so that you have a higher success rate when you implement your plan.
Last but not least, may I wish you all the success implementing the plan and achieving some results that you can see for yourself. Do consult a proper financial planner or advisor if you are really in doubts. It's you that make the decision to decide if you want to be successful? Enjoy creating wealth with health. It’s has been my pleasure providing consultancy service to you, Albert!

Your Sincerely
Sean Toh

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members. Click here to Tell Your Friends Now!

P.P.S. Feel free to ask Sean Toh your single most important question about personal investing and health matters that will help you get started on this journey to create wealth for yourself? Ask Sean Toh Now!

Mastering The Art of Trading Forex Workshop In Singapore

Hi Friends,

It's me again! It's has been a while since I last blogged on this blog. Well, I always believe that your financial education raises your financial quotient. The time you spend on your financial education will give you the means and mechanisms to use your money to leverage your earning power to create multiple streams of income.

If you are foreign to Forex trading, then here is a workshop conducted by Nicholas Tan, author of the newly published " Handbook On Forex Trading - An Easy Guide To Profitable Currency Trading ." You can learn how to trade in the world's biggest market with high leverage and low transaction costs now! Let Nicholas Tan be your personal mentor, guiding and empowering you with the means to Forex trading online!.

Click here to read the synopsis of " Handbook On Forex Trading - An Easy Guide To Profitable Currency Trading "

You can purchase this book from all major bookstores in Singapore like Popular, MPH, Times, Kinokuniya, Border, etc. or purchase it directly online from Rank Books Publishing House. Click here to get your copy now!

Forex trading is an alternative to the stock market as the market has enormous potential with a trading volume of USD 1.7 trillion a day. All you need is a computer and an internet connection and a basic knowledge of forex and you are ready to start trading in a highly profitable market. Nicholas has more than 13 years of trading experience. Using real trading examples and proven methods that work, Nicholas will equip you with the right knowledge and strategies to trade with confidence and profits.

What you will learn from Nicholas Tan during this two days workshop on 23 & 25 June 2007 at Orchard Tower in Singapore? Below is the course outline of the workshop.

These courses are very practical and the module details and time slots are as shown below.

Module 1: Sat, 23rd Jun 2007, 10.00 am - 1.00pm
Module 2: Sat, 23rd Jun 2007, 2.00 pm - 5.00 pm
Module 3 - Live Trading: Mon, 25th Jun 2007, 7.00 pm - 11.00 pm

Each module cost you $300 and if you sign up for all the three modules, it will cost you $800 and you will save $100. As there are limited seats available, please click here to register and find out more details.

Why wait? Having a personal mentor to learn from is one of the secret of how successful people get even richer which you have never known and has never been revealed to you at all in your entire life!

Get started on this fun, exciting adventure in forex trading today and be empowered by it!

Yours Sincerely

Sean Toh

P.S. Financial freedom is about building financial muscle. The difference between the rich and the poor is that the rich have more financial muscles than the poor!

Workshop on MASTERING THE ART OF TRADING FOREX is here in Singapore! Workshop dates: 23 & 25 June 2007. Sign up now!
Click Here For More Details!

Press Release On The Sunday Times On 20 May 2007

Hi all,

It's me again. Hope everyone is in great health to recieve the latest news from us. Recently, on 20 May 2007, content from my book - "4 Steps To Financial Freedom " has been adpated by Singapore Press Holding's editor to be released on the weekly newspaper - "The Sunday Times." The content was published on the weekly column - " Two Cents' Worth ", which provides readers some simple financial advices that they could apply to help them in their management of their personal finances.

That's a new contribution that " 4 Steps To Financial Freedom " has been able to influence and impact those people out there who will benefit from reading the Popular's Best-Seller. Wish you all the best in your journey in controlling your financial destiny.

Yours Sincerely

Sean Toh

Successful Launch of "4 Steps To Financial Freedom" In Singapore

Hi Friends,

It's my pleasure to announce the successful launch of " 4 Steps To Financial Freedom ". Within 3 weeks after it's launch, " 4 Steps To Financial Freedom " has sold out the first print and has become Popular Best-Seller in Singapore. The Second print is already out and distributed to all major bookstores like Kinokuniya, Popular, Times, MPH, Page One, etc.

Click here to see what Mr. President S.R. Nathan's comments about this book and a simple message for all Singaporeans!



May I take this opportunity to thank all readers for their support in making this book one of the popular read. Thank you for your support again as I'm writing part 2 of this book so that all readers have more enriching and educating learning materials for the coming future.



Sincere thanks to my wife, Heather, for being so understanding, and for having served as my source of inspiration and strength. To my daughters , Jessica (right) and Tranynce (left), thanks for making me smile, motivating me to be the real father that I can be, and helping me live my life to the fullest.



Special thanks to Dave Irvine(top right), Susan Parry(top left), Jacob (bottom right) & Natasha Irvive(second left) who came all the way from Holland and Australia to support the launch of " 4 Steps To Financial Freedom ". You have made this launch a very special, successful and indeed very meaningful one for all of us!



My very first supporter, Natasha Irvine from Holland, holding my autographed book in her hands. Thank you so much, Natasha! You have given me the inspiration to write a new series of financial books for young children in the near future.



My second supporter, Jacob Irvine from Holland, who can't wait to write his first book after reading "4 Steps To Financial Freedom". It's an honour and pleasure to be able to motivate and empower Jacob with this gift of mine. I really can't wait to co-author with him to develop a new series of financial books for young children so that young kids can learn to be more financially savvy and independent.

Just keep looking out for our near future new book launch! Good day! Mate!

Yours Sincerely
Sean Toh

Launch Of 4 Steps To Financial Freedom In Singapore

Dear Friends,

2007 is the year of the pig and it's going to be an exciting year for all. Let me start by telling you something about the chinese zodiac about the Chivaslrous pig.

Pig personality traits

Intellectually curious, honest and tolerant, those born in the Year of the Pig can be relied upon for their loyalty and often make true friends for life.

Like the knights of old, Pigs are often highly regarded for their chilvary and pureness of heart, and will often sacrifice their own well-being for the greater good.

The Pig can be very naive, however, and may easily fall victim to the unscrupulous who take advantage of their idealistic nature - as Pigs see everyone as loyal and caring as they are. Although forced to play the fool many times, they will just as likely hold fast to the notion that everyone is at heart decent and admirable.

Stubbornly optimistic, the Pig will not tolerate those with well-meaning advice on how to be a Pig, but since they dislike quarreling and discord their anger usually cools quickly. Sometimes looked upon as a snob, the Pig just finds it right and natural to exhibit good manners whenever possible. Their main goal in life is in serving others, and no matter how difficult circumstances become the Pig will never waiver or retreat, forging ahead in the sure knowledge that all will be well.

Pig people love to read, are generally thirsty for knowledge, and not readily talkative, but if presented with an opportunity to discuss topics of interest with like-minded individuals Pigs may find themselves talking non-stop for hours!

People born in the Year of the Pig are trusted associates in whatever career they happen to choose and often shine as entertainers, social activists or politicians.

Pigs are most compatible with : Rabbit, Sheep

Famous people born in the Year of the Pig : Lucille Ball, Humphrey Bogart, Thomas Jefferson, Ernest Hemingway, Alfred Hitchcock, Mahalia Jackson, David Letterman, Arnold Schwarzenegger.

Now, you know more about the chivaslrous pig, I shall tell one good new that I have for you.

Since 2006, I have been working hard for the Singapore version of "Four Steps To Financial Freedom" so that it can be published in Singapore to benefit lots of people in Singapore who are losing control of their financial destiny. Although the version available on Clickbank is ideal for people in other parts of the world.

I have decided to simplified it to a version that is suitable for Singapore readers targetting especially people from the age group from 16-35 years old. Finally, after working through the endless nights and weekends collaborating with publishers in Singapore. Here it is, I'm ready to launch the Singapore version " 4 Steps To Financial Freedom".

It is now avaliable in all major bookstores (Borders, Times, Kinokuniya, MPH and Popular - all 35 points in Singapore) in Singapore at a price of $18.00 (Singapore Currency).

Well, don't forget to grab a copy today and be empowered by this new and latest financial guidebook that will help your family and you. Last but not least, may I wish all of you a happy chinese new year to you and a prosperous pig year ahead.

Yours Sincerely
Sean Toh

Sean Toh : Merry Christmas & A Happy New Year To All My Friends

Hello Friends,

This is just a quick note to say thank you for your Christmas greetings and wish you and yours a very happy and healthy Christmas too.

I hope that over the holidays you are able to take time to think about and appreciate those for whom you work so hard throughout the year. You, your family, friends and the larger community are the REAL gifts in our lives. Their comfort, support and encouragement fuels our continuing desire to both succeed and share the gift in kind.

In that spirit, I thank you from the bottom of my heart for making me part of your extended circle. For that,I am truly blessed.

With your support homeless and hungry people are being housed, fed and cared for this year; and together we can make an even bigger difference in the world in 2007 and beyond.

From my home to yours... I wish you peace, harmony and all the joy of the holiday Season and all the best of success in the New Year.

Merry Christmas! Enjoy reading!

Yours Sincerely
Sean Toh

Sean's Effort For Spreading Wealth In Shanghai

An Article In Shanghai Paper On 20 November 2006 : Empowering Students In Pei Ming Middle School On How To Raise Fund For Charity By Being A Young Entrepreneur.



True Wealth Is The Power To Give!

Dear Friends,

It’s a matter of time that most people will become a millionaire. If you have a realistic and achievable plan, you will succeed in becoming a millionaire. However, if you do not have a realistic and achievable plan, you will most probably fall short of being one, but that is still not so bad because you are still living your life.

Finally, you have arrived at your financial destiny with enough accumulated wealth. What do you do next? Are you going to enjoy all the wealth that you worked so hard to accumulate? Yes, you will if you have not been enjoying your wealth as you create your wealth. You will most probably pamper yourself in those things that you really want to have and enjoy them when you do not have them during the process of accumulating your wealth. Remember, what I said before? Learn to enjoy your wealth young as you create your wealth so that you do not have to enjoy all the wealth when you have accumulated the wealth.

I can tell you when you have so much wealth, you will not spend so much of it because you can’t spend all of it. Look at Bill Gates and Warren Buffett. They have accumulated so much wealth that they are giving back to the society for the benefits of mankind. In the beginning, you will be enjoying all your wealth on that worthless materialism and you will reach a point that you don’t find any more excitement and worthiness in pursuing materialistic enjoyment for yourself.
What I’m going to empower you from today is to start to learn to give to others something that you can give. It’s a privilege and an honor to be able to give others and empowering them to give to others too.

Learning to give will help you find your worth of existence in this world and will create a real you that will help fill that emptiness if you spend your wealth on those materialistic enjoyments. You want to be wealthy because you want to give the world something. Not because of your own personal consumption that you are not so generous to give. You want to be a generous millionaire that the world remembers and not a stingy rich man the world hates.



A Visit To Singapore Company' OSIM' in Shanghai, Headquarter For China, on 23 November 2006. OSIM Is A Global Brand For Healthy Lifestyles Product Founded By Mr. Ron Sim From Singapore . Students From Henderson Secondary School Get To Learn About The Vision Of Singapore Entrepreneur, Mr. Ron Sim, How His Vision Drive Him To Become A Global Brand Capturing Markets All Over The World.



Mr Ron Sim Chye HockFounder,Chairman and Chief Executive Officer

He is the driving force behind the company. Since its inception, he has remained at the helm of things. The company's strategy, its goals and directions are redefined by no other than the man himself, and leading by example he continues to inspire his people as the company embarks on to more challenging paths.He has been given recognition by some prestigious institutions. Among them, the Wisconsin International University conferred him Doctor of Philosophy in Business Administration in 2001 and the American University of Hawaii awarded him Doctor of Philosophy in Marketing Management in 2002. He was voted Ernst & Young Entrepreneur of the Year 2003 and in the same year won The Business Times "Businessman of the Year". He is a board member of Sentosa Development Corporation and IE Singapore.

Secret No. 1 – Learning To Give Because You Can’t Spend All Your Wealth.

“Four Steps To Financial Freedom” is a philosophy that I have created to help all of you arrive at your financial destiny without worrying about not having enough money for yourself so that you have suddenly become a stingy rich man that you are not generous to give something back to mankind. Empower yourself with these four steps and you will have control of your mindset and your financial destiny that you will know what you can give when the situations arrive. You will not be able to spend all that wealth on yourself. Hence, you will start by learning to give others a little from today.

Secret No. 2 – Learning To Give Because You Have A Good Heart.

I believe all humans are born naturally to be good. Imagine if we are educated enough to empower ourselves with this philosophy, ”Four Steps To Financial Freedom”, the world will be filled with rich, powerful and good hearted people who give back to mankind to make this place a better place for everyone. You have a good heart and you want to empower your next generations to have good hearts too. Start giving today.

Secret No. 3 – Learning To Give Because You Have Been Receiving From Others And It’s Your Way Of Saying Thank You.

From the first day, you are born, you have taken something from this world. You have gone through so many years of receiving help, education, money, and much more from your parents, relatives, friends and the world that help you develop to who you are today. It’s time you take the roles of giving others what you have been receiving from those in your life. Help others and empower them with this gift of yours that you can share with them that which will help them arrive at their financial destiny just like you. Arriving at your financial destiny together not just you alone. Start to say thank you to all the people around you from today.

Secret No. 4 – Learning To Give Away Your Wealth Will Define You Not Your Wealth That Defines You.

When you learn to give, you will feel powerful within you. When you feel powerful within you, you feel so good and rich. It’s this feeling of being powerful and generous that makes you feel wealthy. Not how much money that defines how wealthy you are. Those people around you that declared you the wealthiest man on earth remember your actions and not your money. You can be the wealthiest man on earth remembered by the people without even reaching a million in your net worth. Start defining yourself through those generous actions.

Secret No. 5 – Learning To Give Makes You Happy.

Being able to give is an honor that makes you so fortunate and generous that your actions reinforce that happiness within you and you find life so meaningful for being wealthy. You are rich and happy and they are rich and happy like you too, and that gives all of us the reasons for creating wealth in the first place. Happiness is something that all of us have been asking for. Let those with wealth create it for us too.

Presenting Cathie Ho From Singapore, OSIM's Assistant General Manager For China, A Souvenir As A Token For Appreciation For Sharing With The Students From Henderson Secondary School About The Company Vision, Long Term Plans And How Students Can Capitalize On Their Own Assets By Acquiring Skills That Will Help Them Overcome Future Challenges. Cathie Ho Is An Ex-Student Of Henderson Secondary School.

5 Secrets For Learning To Give

Secret No. 1 – Learning To Give Because You Can’t Spend All Your Wealth.

Secret No. 2 – Learning To Give Because You Have A Good Heart.

Secret No. 3 – Learning To Give Because You Have Been Receiving From Others And It’s Your Way Of Saying Thank You.

Secret No. 4 – Learning To Give Away Your Wealth Will Define You Not Your Wealth That Defines You.

Secret No. 5 – Learning To Give Makes You Happy.

Picture 1 : Collaborating With Educators ( Teachers & Principals From Shanghai &Shan Dong) At Pei Ming Middle School.

Picture 2 : Collaborating With Educators ( Teachers & Principals From Shangha) At Xiang Ming Junior High School.

Some Of The Pictures Captured In The City Of Shanghai During My Trip To Empower Youth In Shanghai On Wealth Creation As Well As For Charity. Remember My Third Step Of My Philosophy - Investing Your Time In Your Financial & Health Education So That You Are In Control Of Your Life To Create Wealth To Enjoy A Better Life.

Your Sincerely

Sean Toh

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members.

Click here to Tell Your Friends Now!
P.P.S. Feel free to ask Sean Toh your single most important question about personal investing and health matters that will help you get started on this journey to create wealth for yourself? Ask Sean Toh Now!

Answer For Wilvan Wee - @sk Sean Toh - Investing In Index Funds?

Question For Sean Toh? Investing In Index Fund?

Hi Sean,

Do you have experience putting your money in ETF(Exchange Traded Funds)? I was thinking of investing some money in index funds and/or EFT (local or US). Do you have any recommendations or views on that? What is your view with regards to today's investment market? Is it on the high side (highest STI(Strait Times Index of Singapore) or do you feel that there is still market for increment, i.e. STI(Strait Times Index of Singapore) to reach 3000??.

From
Wilvan Wee

Here Is The Answers Specially For Your Questions, Wilvan! Sincerely From Sean Toh.

Dear Wilvan,

I'm glad that you are asking questions because this is where your financial education begins. First, I would like to define for you what is the purpose of an index.

An Index is derived from a selected number of underlying assets.

These Indices may be formulated to reflect the general movement of the value of the underlying assets. The composition and weight-age of the underlying assets may be formulated to reflect the movement of the value of an industry, a country or any collection of a class of assets. Hence, STI ( The Strait Times Index of Singapore ) is composed of 50 Singapore Stocks from various sectors.

Second, let me define for you what is an ETF(Exchange Traded Funds)

Exchange Traded Funds are Collective Investment schemes. Collective investment schemes are ways of investing money with other people in order to participate in a wider range of investments. Collective investments schemes are usually referred to as Mutual Funds, Managed Funds or simply Funds. These funds account for a large portion of the trading on most stock exchanges.

While the structure of ETF's vary around the world, major common features include:
An exchange listing and ability to trade continually.

They are often index linked instead of being actively managed.

These qualities give ETF's some advantages over Mutual Funds. ETF's allow for a diversified portfolio at a low cost. They can be used in both long term buy and hold and for selling short and hedging strategies.

Typically ETF's replicate a stock market index, such as Standard and Poor's 500, or the Hang Seng index, or STI(Strait Times Index of Singapore). They may also contain stocks from a specific market sector such as energy, or a commodity such as gold. They often have amusing or catchy, upbeat names like, "Diamond" and "Spider". ETF's are most commonly found on the AME or American Stock Exchange but it is starting to emerge in the Singapore Stock Exchange too.

ETF's present an alternative to the traditional open ended Mutual Funds( Units Trust in Singapore ). The Open ended index funds are particularly good for this type of use.

Having defined for you the two terms. I like to tell you that even I do not know if the market is high or low but the market is actually a reflection of lots of contributing factors like economical performance of a country, the psychology of the investors in the markets, politics in the countries, current affairs around the world, geography in the regions, etc. If everything is well, investors has more confident with the markets. They will throw in more capital for investment to cause the index to rise. If the conditions warrant that investors dump their investments because of fears, they will sell their stocks or investment which can sometimes cause the market to crash when the index drop too fast that is beyond governor's control.

Four Step To Financial Freedom's Program



In my book - 'Fours Steps To Financial Freedom' which will be launched early Christmas 2006, I have a chapter which is Chapter 9 - Zero Financial Education explaining the theory of - The fundamentals of winning and losing money equilibrium equation. The whole market is about 'selling' and 'buying'. When to enter the market depends on a person's mix of characteristics which cause him to make a rational or irrational decision to invest. If his decision is irrational, he will enter the market buying at a high. If his decision is rational, he might not enter the market if he intends to buy at a low but master investor will see this an opportunities and start building their positions to short the market as it might start to crash rapidly. What I'm trying to tell you is that your financial education will guide you to make rational investment decisions whereas ignorance will cause you to lose money. Start your financial education now. Find the answers to those questions that are in your head and answer them everyday. When 3 years have passed, you will be more financially confident. I afraid I'm don't collect clients to help them invest but the advices that I'm giving will be at a neutral standing point to let you decide what to do next. You have to be responsible for your decisions not somebody else.

Most master investor has a system for investing that has been tested rigorously for successful profit reaping. Do you have one? You have to sit down to design and experiment with yours to see if yours could stand the test. How could I devise one? Sean, you must be joking! You will if you start your financial education. A system or technique to beat the market if the market is fluctuating used by novice, or even mature investors is called -
' The Dollars Cost Averaging '- A Technique that Drastically Reduces Market Risk.

Dollar cost averaging is a technique designed to reduce market risk through the systematic purchase of securities at predetermined intervals and set amounts. Many successful investors already practice without realizing it. Many others could save themselves a lot of time, effort and money by beginning a plan. You will learn the three steps to beginning a dollar cost averaging plan, look at concrete examples of how it can lower an investor’s cost basis, and discover how it reduces risk.

Dollars Cost Averaging: What is It?Instead of investing assets in a lump sum, the investor works his way into a position by slowly buying smaller amounts over a longer period of time.

This spreads the cost basis out over several years, providing insulation against changes in market price.

Setting Up Your Own Dollar Cost Averaging PlanIn order to begin a dollar cost averaging plan, you must do three things:

1. Decide exactly how much money you can invest each month. Make certain that you are financially capable of keeping the amount consistent; otherwise the plan will not be as effective.

2. Select an investment (index funds are particularly appropriate, but we will get to that in a moment) that you want to hold for the long term, preferably five to ten years or longer.

3. At regular intervals (weekly, monthly or quarterly works best), invest that money into the security you’ve chosen. If your broker offers it, set up an automatic withdrawal plan so the process becomes automated.

An Example of a Dollar Cost Averaging PlanYou have $15,000 you want to invest in XYZ common stock. The date is January 1, 2007. You have two options: you can invest the money as a lump sum now, walk away and forget about it, or you can set up a dollar cost averaging plan and ease your way into the stock. You opt for the latter and decide to invest $1,250 each quarter for three years. (See chart for math of dollar cost averaging plan.)

Had you invested your $15,000 in January 2007, you would have purchased 264.46 shares at $56.72 each. When the stock closed for the year in December of 2007 at $13.69, your holdings would only be worth $3,620!

Had you dollar cost averaged into the stock over the past three years, however, you would own 746.21 shares; at the closing price, this gives your holdings a market value of $10,216. Although still a loss, XYZ stock must only go up to $20.10 for you to break even, not $56.72, which would have been required without the dollar cost averaging.

To go a step further, without dollars cost averaging you would break even at $56.72. With dollar cost averaging, you would have turned a profit of $27,326 when the stock hit that price thanks to your lower cost basis ($56.72 sell price - $20.10 average cost basis = $36.62 profit x 746.21 shares = $27,326 total profit.)

Combining the Power of Dollar Cost Averaging with the Diversification of a Mutual FundIndex funds are passively managed mutual funds that are designed to mimic the returns of benchmarks such as the S&P 500, the Dow Jones Industrial Average, STI-ETF, etc. An investor that puts money into a fund designed to mimic the Wilshire 5000, for example, is literally going to own a fractional interest in every one of the five thousand stocks that make up that index. This instant diversification comes with the added bonus. Traditionally, management fees of passive funds are less than one-tenth those of their actively managed counterparts. Over the course of a decade, for example, this can add up to tens of thousands of dollars the investor would have paid in fees to the mutual fund company that, instead, are accruing to his or her benefit.

The dollar cost averaging component reduces market risk, while the index fund investment reduces company-specific risk. This combination can be among the best investment options for individuals looking to build up their long term wealth by having a portion of their portfolio in equities.

Table 1: XYZ with Dollars Cost Averaging



Well, I hope this education will allow you to decide what you should do next, Wilvan. That will be $200 dollars for this 2 hours of consultation because my rate is $100 per hours, Wilvan. I will charge you nothing as this is first consultation. For subsequent consultation, the rate will be $100 per hour....The best financial advisor that you could find is in front of your mirror at home.

Although I have recommended and advise you on lots of matters, it takes more than education, resources and advice for you to be successful. You need to be patience and committed to your plan to achieve a bit of success. It’s that bit of success that will motivate you even more to learn and apply what you learned in life for your future success. Just in case, if you have been waiting the whole day for all the answers. I will like to apologize for the delay to your answers because I believe in giving my best advice to you personally and sincerely from my heart. I needed the time to understand the problems you faced, understanding them and finding the right resources for your education so that you have a higher success rate when you implement your plan.

Last but not least, may I wish you all the success implementing the plan and achieving some results that you can see for yourself. Do consult a proper financial planner or advisor if you are really in doubts. It's you that make the decision to decide if you want to be successful? Enjoy creating wealth with health. It’s has been my pleasure providing consultancy service to you, Wilvan!

Your Sincerely
Sean Toh

P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members. Click here to Tell Your Friends Now!

P.P.S. Feel free to ask Sean Toh your single most important question about personal investing and health matters that will help you get started on this journey to create wealth for yourself? Ask Sean Toh Now!

Answers For Joseph Smith - @sk Sean Toh - How To Get Rich Before 30 Years Old?

Question For Sean Toh? How Can I Get Rich Before 30?

Hi Sean,

I would like to ask you something. If a person tells himself that he is going to get rich before 30. How does he plan his journey. Does he tell himself that he can do it, work for it or tell himself he can do it and uses some methods to achieve his goals? Hope to hear from you soon. Thank you.

From
Joseph Smith

Here Is The Answers Specially For Your Questions, Joseph! Sincerely From Sean Toh.

Dear Joseph,
It's my pleasure meeting you, Joseph. Hope you have a great day? This simple question can have two answers. Positive people will say that they have a great day whereas negative people will say that they have a bad day. You see positive people see problems and challenges as possibilities and opportunities. They are not afraid of hard works and will overcome difficulties and solve them one at a time and eventually solve the most difficult situation which looked impossible to overcome or solve initially. Ask yourself are you a positive person? If you are not a positive person, you must try to overcome negative attitude. Instant Positive Attitude can help you change your negative attitude if you are ready to listen to what I'm going to share with you.
Are you ready for your first lesson to be rich before 30 years old? You have the answers and biggest control if you could become rich before 30 years old. Rich people normally has very powerful mindset that allows them to achieve their objectives. Here are

6 Secrets For A Successful Open And Powerful Mindset

Secret No.1 – The open mindset always ready to be a life long learner!

Secret No. 2 – The Discipline mindset that is patient!

Secret No. 3 – The leveraging mindset allows you to be super powerful!

Secret No. 4 – The creative mindset think differently from the rest!

Secret No. 5 – A changing mindset will help you overcome adversities and challenges!

Secret No. 6 – A networking mindset that partner for success!

There are other powerful mindsets in The Millionaire Mindset that you can learn to influence yourself to be positive and powerful before taking actions to achieve your goal of being rich before 30 years old.

Having the right mindset, you are now ready for your second lesson to reach your goal of being rich before 30 years old. In order to reach your goal before 30 years old, you have to calculate back from 30 years old and outline a realistic, achievable plan to execute so that you can start making your first dollar and compound it to the amount of wealth you desire. Four Steps To Financial Freedom contains my plans on how I could achieve financial freedom. Four Steps To Financial Freedom will be launched by the end of December 2006 as I'm still fine tuning the website for this powerful self-empowering program and the physical copies are currently under production and will reach Singapore bookstore by year end.

Here are the four steps :

Step1 - The road to financial freedom is to have great health so that you are in good shape to learn.

Step 2 - An open mindset to start learning and practicing what you have learned.

Step 3 - Investing your time in your financial & health education so that you are in control of your life to create wealth to enjoy a better life.

Step 4 - Enjoy the wealth that you have created because you have been taking care of your health.

Secrets Of The Self-Made Millionaires & Multiple Streams Of Income will show you how ordinary people designed an achievable plan to reach their financial success. Start designing a plan that allows you to execute it your goal now!

At this point, ask yourself are you hungry to reach your goal? If the your 'Why' is big enough, then you will find the 'How' to achieve your desired goal. You have a choice to decide if you want to go for it? Most people tends to procrastinate their actions till later and will never start at all and they forever will never be successful. You have to decide what actions you want to take now, Joseph?

Although I have recommended and advise you on lots of matters, it takes more than education, resources and advice for you to be successful. You need to be patience and committed to your plan to achieve a bit of success. It’s that bit of success that will motivate you even more to learn and apply what you learned in life for your future success. Just in case, if you have been waiting the whole day for all the answers. I will like to apologize for the delay to your answers because I believe in giving my best advice to you personally and sincerely from my heart. I needed the time to understand the problems you faced, understanding them and finding the right resources for your education so that you have a higher success rate when you implement your plan.

Last but not least, may I wish you all the success implementing the plan and achieving some results that you can see for yourself. Do consult a proper financial planner or advisor if you are really in doubts. It's you that make the decision to decide if you want to be successful? Enjoy creating wealth with health. It’s has been my pleasure providing consultancy service to you, Joseph!

Your Sincerely



P.S. If you find that Credit Plus Health By Sean Toh has empowered you to learn a lots more to take control of your financial & health matters, please share this website with the world, your friends and family members. Click here to Tell Your Friends Now!

P.P.S. Feel free to ask Sean Toh your single most important question about personal investing and health matters that will help you get started on this journey to create wealth for yourself? Ask Sean Toh Now!