現在買樓是“用晒子彈+成身債” + 放棄 “底位”入貨,

供樓少過交租??  3-5成首期唔係錢???

Dr Tong,thanks for your sharing.

I've also earned over 2.5 mil  started from around 120000 HKD these few years thro investing the property market(but mainly the mainland market).

Now I face the same problem,feeling no dierction at all with plenty of cash in hand.I've been investing  in the local stock market.Though I earn ~ 50000 HKD luckily,the comdition is getting worse...so,maybe I should buy some i-bond instead.

I also suggest RMB fixed deposit in mainland.It's 3.5%/ yr.

Dr Tong,thanks for your sharing.

I've also earned over 2.5 mil  started from around 120000 HKD these few years thro investing the property market(but mainly the mainland market).

Now I face the same problem,feeling no dierction at all with plenty of cash in hand.I've been investing  in the local stock market.Though I earn ~ 50000 HKD luckily,the comdition is getting worse...so,maybe I should buy some i-bond instead.

I also suggest RMB fixed deposit in mainland.It's 3.5%/ yr.

多謝晒！又學到野喇！有智彗

講得出別人看不到的，佩服

To 6.

"Interest rate for two years' fixed deposit in mainland bank is 4.4%."Tha

May I know which HK bank can process this offer ? Thanks. 

政治理不順，經濟何來好！！

香港自從以直選垃圾局議員後，政經活動被一班只顧選票私利政棍黨羽，以各色各樣民粹技倆抽香港後腿，無恥行徑去到明目張膽地步！！！拉布流會是什麼垃圾行為！如此日花公帑數百萬薪資，良知何在！！

毋忘港珠澳大橋，寶貴８０億一課，借亞婆搵政府港人笨之惡行！！

小妹，請先新報地產版。

TO: 10

你搞錯,係政府搵港人笨,比人入到位

咩嘢都假,揾多D錢最實際;正研究兩個揾大錢項目有興趣Add我詳談,skype: joc0206 , QQ: 1736615307

咩嘢都假,揾多D錢最實際;正研究兩個揾大錢項目有興趣Add我詳談,skype: joc0206 , QQ: 1736615307

Totally agree with Dr. Tong this time for reasonable advice for young investors.  Making money is not easy & so as investing, the market is changing every minute.  Good to learn from exp. ones.

Everyone has a diff. answer & approach as to how to handle/invest their money, I advised my parents to sell their apartment that they already made a profit of over 10M, for them, it's big money, it's better to play safe of course.......

Invest in the area/segment that you know well.....Old saying but very true!!!

Dear Dr. Tong,

The price of old i-Bond (code: 4208) is $107.55.  Given the coupon is $100 and 5 - 6% interest rate, the effective yield of i-Bond is less than 0.X% p.a. (less than 0.5%.  I am lazy and don't want to calculate).   There is no meat to eat if the investors buy at $107.55.

Hence, please don't buy 4208 now.  The effective yield may be a little bit higher than bank saving rate.

Long term everything rises. Investing in stockmarket got 2 risks: one is that you may choose bad stocks that lack behind the market and second you may get nervous by daily price fluctuations manufactured by hedge funds and sell what you originally bought for long term and then you hold cash again without any investment from time to time. Buying or investing in properties overcomes these problem. Firstly you saw the property and compared the prices before you bet on it unlike stocks even you read their balance sheets but how much is true. Secondly you hold the properties everyday to gain its price rise and even the property market corrects prices go down and nobody buys your properties you can still get rental yield. In fact it is good when there is no buyer during recession that makes you still hold the right properties and not cash. When the business cycle rebound property orices shoot up again. This is a 100% full time investment to gain the 100% full time rise.   

Greeting Dr. Tong,

Thank you for your response.  I really appreciate the advice you have given me, "不熟不做". 

I will wait for the new ibond and focus on my own business.

BR,

Gorcott

i-bone:-

I-bond would be inherently short of supply which reflected to its premium to the market price. Popular, as it is subsidied by Gov funding to certain extent.  Lucrative only in initial market, but not in secondary market as its price should have reflected all expected factors to maturity upon trading.

Taking above as a whole, i-bone  does not help to the issue.