Many investors talking about the next global financial crisis after 2008. They say there is a circle like 1997 Asian Financial Crisis, 2000 dot.com bubble, 2008 Global Financial Crisis and now comes to 2018... Everybody is talking about the crisis but no one knows when the crisis will happen. In fact, financial crisis is happening every year. You can simply google on  List of economic crises  then all the history will be listed down for you. The question is, how can you turn the crisis to opportunity? Are you ever ready on the next crisis? Now, you go back to study your own portfolio... 100% cash (FD)? 100% equities (stocks)? 100% properties? 100% unit trust funds? 100% on own business? Non of the above? If you are holding some unit trust funds in your portfolio, what would you do with it? Stay put? Re-balancing your portfolio? Or keep investing? There is always no 100% right answer in investment. I would say portfolio management plays an important pa...

Ryan is a basketball player who play a forward position in his team. He trained hard in every training session. No matter on his stamina, shooting skill, dribbling, blocking and he is strong on physical too. He is a determined player and he wants to score at least 20 points in every game that he involve. During the game, when Ryan got the ball, he quickly pas the ball to his teammate. Even he had a clear chance to throw a shoot, but he just pass the ball out. End of the game, Ryan only scored 6 points. The coach asked him, "Why you didn't take the shoot when there were several chances to throw the shoot?" Ryan replied, "Coach, every time when I get the ball... I feel no confident and doubt on the ball, I am not sure the ball that I shoot out can score or not?" The coach and teammate were shocked. "You had been training so hard all the while and now you have the doubt?" Coach said. "You have to focus the right thing son.." ...

A farmer planned to expand his farm by planting few papaya trees. He started to plant the papaya seeds one by one. Everyday, the farmer will watering its with the watering system built by the farmer and wait for the papaya trees to grow. After few weeks, the papaya trees started to grow up. The farmer apply fertilizer regularly and he is very happy to see the trees had growing up. He knows that he will get the harvest in the near future.  Day in day out, the farmer is doing the same thing by watering and fertilizing the plants.  One day, he sit down and look at the papaya trees... He started to have doubt on his plants, "Are the papaya trees really can grow the papayas in the near future?" "Why there is no results after 3 months I had been working hard on it?" Everyday the farmer was thinking the same question... One day, the farmer decided to chop off all the papaya trees because he think that the papaya trees won't give him any harvest...