现在该投资什么？

我上周见到了一位好朋友，并进行了很好的交谈。其中，他与我分享他在任何种类的投资都是非常保守。他非常不愿意踏出他的投资第一步因为他很害怕损失。事实上，他已婚但没有孩子。他也有良好的收入，也没有多少债务。

我告诉他，与其他同龄的大多数人相比，他的财务状况已是很好。他的主要缺点是他从来没有渴望学会如何投资。他同意我的看法。他一直认为投资是一个非常复杂的学科但我不同意。我进一步告诉他，他害怕投资是因为他缺乏相关的知识。要克服这一点，唯一方法就是打开他的心结去学习。他可以从书中学习，参加研讨会以及和志同道合的人一起研究。如果他愿意学习和参与，他将能够看清他的投资。

Where to Invest Now?

I met up a good friend last week and had a nice conversation.  During the chat, he shared with me that he had been a very conservative in any kind of investment.  He was very reluctant to move his first step to investment simply because he was very scared of losing.  As a matter of fact, he is married with no children.  He is also a decent income earner without much debt holding.  

Therefore, I told him that he is at a better financial position as compared with the other majorities with the same age. The major shortcoming of him was that he never has a desire to learn how to invest and he agreed with me.  He kept thinking that investment is a very complicated subject to learn and I did not agree with him.  I further enlighten him that he was afraid of investment simply because he did not have much knowledge about it.  The only way to overcome this is to open his mind and learn.  He can learn from books, attending workshops and seminars, and get around with people with same interest.  If he is willing to learn and get involve, he will be able to see the investment he had learnt clearer than anyone who did not do so.

Investor vs Speculator, Which One are You?

I participated a cross country run held at my daughter's primary school on 14-Jan-2017.  It was very crowded.  Of course, I met a number of old friends there.  One of my friends, who is also a reader of my book, asked me on whether I am writing a new book.  I told him that, instead of writing, I teach so that I could guide my students proactively according to my investment philosophy instead of letting them to guess based on their perception on I wrote in my books solely.