20130310 Paco Chan 的故事 (一)

介紹自己在保險公司做財務策劃的故事之前，要講講我大學時候經歷過咩事，如果無依個高高低低的波幅，我諗好可能我會從事其他服侍人既工作，而唔會去做這個高難度事業。為了不想別人日後重覆我犯過既錯，所以要公開下面的故事，儘管下面一切可能會影響我的專業。

我發現自己很早對未來就好無安全感，我媽媽到目前為止，最大的資產就是我同細妹，父母好早年因為追債問題、躲避大耳窿而一早分開，阿媽因為要照顧我同妹妹而申請破產拎綜援，面對小時候的貧窮，我細細過就好擔心自己大過之後都一無所有，似乎我毫無父母護蔭可言，由於生活條件都就住就住，都令我好乏安全感。因此我好希望用自己擁有的去改變自己的生活，去供養我家庭。

在我大學三年班時候，當時正值歐債危機，我拿著兩三萬開始我我由長線投資股票，轉做短炒，投資的股票由藍籌變成中資股，我一開始比較幸運，用了半年多時間做到大約10%盈利，但由於本錢少，人又貪心決定放棄長期持有，變為短炒，以至即日仙，後來我發現一隻中資有一個pattern可以為我短炒獲利 (想要學股市就先要專心學習閱讀)，一日幾百元的積累，它為我積累第一批彈藥，但隨著歐債的負面情緒日益加劇，我不再可能有因為短炒而有盈利，而且它把我套住大部分彈藥，所以我在想有什麼方法可以在跌市獲利，由於本錢不多不可能開期指，資訊發達牛熊證的宣傳係鋪天蓋地，我好快就學識入場，我人生第一次用熊證，就獲得接近5k的盈利，這感覺實在太好，簡直難以置信，但往往太好的事都不值得信，除非福音。當時的我實在過於天真，其實要在市場獲利點會咁簡單，當時一切歸因究底是運氣。沒有什麼閲巿心得。

之後我人生最大的惡夢、最貪婪、最恐慌的時期就開始了.....

Before the you try to start to see my financial planning life, i must say i m still growing up and facing many challenge even until now. If i say i m perfect, i must say he/she is not a honest person . However, I have very clear mind with the future . I know The road is long distance to go. I have set a Sharpe objective for me and my client. Why I come to this industy to start my business road is unexpectable. However, I m on the path of the god. Perhaps I will be very very rich man, but just depend on arrangement of god.

the beginning talk about my investment experience in my university. I started to invest when I was year one. I have won money from the stock market. However, the blue chip (藍籌股) can not satisfy my deserve at the end.The profit is 10% of my pool.  at the same time,  I know I must pay course fee and try to learn how to control the loss until I won money. But luckily I get back all i invest and take 2k profit.  during tat period, I worried and frighten about the debt crisis(歐債). eventually, I dun think tat is a good way to make money for me. Frankly speaking, I dun know market too much at that moment . Compare with the currently understanding, i was not winning money nut just "borrow" money from the market. I need to pay back in the future.

Then I switch my invest strategy to Short term speculators (即日仙). Buying The blue chip is not really safe axtually but the volatility is smaller than other small scale of stocks. So I focus on a stock (3323‎). Luckily,  I found a pattern about this stock that make me win around 300-400 HKD each day. To a university student, earn $300 a day with no actual job is very encouraging. I  make trading during I m taking lesson. In fact, I got very high GPA in tat semester but I dun think it is good sample for university student. It seems Everything go well. Since the pattern last a period, I feel stable to keep trading on 3323. That why I accumulate a bigger amount of money to go to next stage.

But the nightmare just started. My life go into a trap, inducing relationship with my girl fd, church life, and even core value.

to be continues.