Life Term Strategies

1. Huge Gains in Long Term
- Receive significant capital gains
- by investing in corporations
- (with wide economic moat & average peers’ net margin)
- In very very long term

2. Strong Periodic Cash Flow
- Maintain self-sufficient monthly cash flow
- Through dividend, gains on derivative & short term trading
- For re-investment to item # 1 mentioned above

3. Mind for Risk Management
- Ensure strong cash position
- Maintain low risk by continue monitor, analyze & feel:
economic trend & environment,
market condition & investors emotion
corporate performance & outlook
asset allocation & direction

4. Be a holy Christian investor:
- Invest in wisdom & varies ways, but consistent & not over nor under of what the Holy Bible expects a Jesus follower should be
- Keep regular & long term spiritual growth
Continue experience God @ finance market
Aim for life transform opportunities
- Even though it may not teach Billy & Bilibala what stocks to invest nor how to make more, more & more $

4.06.2010

Question on RIM

Billy, how come RIM dropped from 78 to 67.90? is it good to buy? thanks

RIM dropped cuz actual below expectation, even though they said they will have a strong outlook. (I haven’t reviewed its quarter end press release, and I won’t, cuz I don’t need to know)

To me, it is good opportunity to buy if you believe on the following:

  • Smart phone market will grow bigger from today’s 12% market share to 20-25% at least in 5 years time and finally dominate 90% in 10-15 years
  • RIM will continue remain its leadership position for commercial users

Please be aware of the following:

  • I am 100% sure the current individual users’ market belongs to Nokia and future belongs to Apple & Google, not RIM
  • Blackberry is RIM’s only product, its app store is pretty small. Its portfolio is not diversified enough

Fair value may rise to CA$100 (based on the estimation growth rate), again you need to hold it for 5-6 years.

To me, Manulife Financial will generate higher return with lower risk.

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The information provided in the entire blog is not intended to provide legal, accounting, tax or specific investment advice. The information presented was obtained from sources believed to be reliable; however, I cannot represent that it is accurate or complete. I assume no responsibility for any losses, whether direct, special or consequential, that arise out of the use of this information. This information is subject to change without notice. Stock performance are not guaranteed, their prices change frequently and past performance may not be repeated. Please do your own investigation, or contact your own professional advise, before investing.