20130311 Paco Chan 的故事 (二)

由於市場對歐債的恐懼，如果當時只認識買賣股票，而不認識其他投資工具，在該階段不可能獲利除非旨在未來獲利。

所以"聰明"的我開始投資在衍生工具，大概是2011年10月，市場氣氛好差，趁當時就全力去做淡，因為很多新聞數據都唱淡了 (之後我明白，你要去在市場上獲利就不可以看這些資訊，否則你會給別人「催眠」，他們如果那麼聰明或者為人服務就發了達)，由於結果愈來愈好，我的戶口最後 double了，但我沒有搬他們出來用，當時我的concept是認為錢應該放在可以增值的地方，”If it seems too good to be true, it is FALSE" .，如果當時有一個人可以指出我的錯誤就好了，但當時沒有，，終於有一晚恆指高開1000多點，我玩完了，我緊張到不知什麼辨，當晚我就知道我的戶口到明天一定化為鳥有，我沒有說太多，睡完果然什麼都沒有了，我打了一個電話給教會的一個弟兄，他安慰我，之後我不知道經過了多長時間去回復狀態。

日後假如你看到又有某種投資”方法”，說當什麼指標出現，就可以出場，什麼燈號出現，就可以進場。過去照這樣投資，牛市通通參與，熊市都躲過。投資變成一條只會賺錢的道路。你就知道什麼是too good to be true了。 所以TA跟FA 都不太可以用

不久之後，開始有新一批彈藥，新一批grant loan 來了，何解我會那麼進取，最重要是我知道這是人生最後一次機會去給我投機，若果這次我都失敗了，那注定我辛苦命，直覺告訴我要去學習，我要用新的方式去閱讀市場。
但我要找師傅，事實上要在世上找可信的老師是不太可能，因為成功的你不會認識，而在市場獲利都不一定會公開，但後來我找到兩個比較可靠的師傅，當然他們不知道我學他們，他們在私人blog發表對市場的方向，好準，連當日會反手上升1000點都可以知道，他們好精於市場，兩個都是投機者，不會是叫你買股票那種，而是講方向。

隨著幾個月的學習跟犯錯，我由輸多赢少變成輸少赢多，但同時我買賣次數愈來愈多，看市的時間亦愈來愈多，我的人際、信仰、健康等都愈來愈差，只有點名的堂和回校搞活動才可以吸引我回去。我的戶口又回到過去的狀態，如果我當時停手，意味我的投資紀錄是扯平，但當時的我點會甘心? 投資或投機最重要是心態最重要，我一方面恐懼一方面又貪婪，在注碼上永遠是all in，結果當我預期的方向再一次跟市況不同時，那怕是中但如果是遲了出現我都會有損失，即使在兩位高手都會指出，沒有必勝但只有高勝算，長期的錯市令我的戶口，我開始認同我沒有橫財命，因為當我戶口大幅減少後，我退出了市場，市場就展開復仇式反彈... (投機市場就是要迫你放棄，當你放棄時就會去你堅持的一端，反反覆覆，因為在投資銀行坐盤做交易員都是個短命的工作)。

之後我就從此不再接觸股市。 to be con.

Since the market from the fear of the Euro Crisis , ppl can not make profit if you just know trade the stock.

So I started to use derivatives as my main investment at September of 2011. The market experiences a worse situation because of Euro Crisis. I spend almost all my assert to go short the market. I won a 5k overnight. the experience is so great and enhance my confident. It seem easy money,right? In fact, it is just like gamble. When I won more and more money, the frequency I trade get higher and higher. It make me anti-social. Why? I spend a lots of time to look at and study the market. Loss is much easier than win. I need to keep trading to reduce the chance to loss money and catch the timing.

However, The longer you stick here, the more chance to loss if you are not mature enough. When I have made a decision about which direction the market, I would throw and all in my money to trade. It sound Crazy but it make me won money very quickly. My pool had doubled to 50k within 2 weeks. at tat moment, I found getting rich with no job is possible but... I m not that kind of ppl eventually .

After tat 2 week, I lose my first pool of money in ONE day. The feeling to be loser and lost all my money is like living in a doom day. I take a very long time to recover. When I know the HSI will rise 1000pt which only appear one time since I participle in the market from 2010, I phone to a brother in my church. I said" I have sin. I lose all my money. "At tat time, He show his sympathy and say every one have sin and He admit he is a greedy person as well. But how come I go to trade derivatives. I dun know I feel comfort. Although I feel mess about future but I need to face my failure. Then I was prayed by him in phone and take a long rest, a long long long rest....

to be continues.

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.