自小，我就热衷于投资，把钱放进定期存款，买股票和信托基金都是我在20岁前就进行着。

Since I was young, I have been keen to invest. Putting money into fixed deposits, buying stocks and trust funds were all carried out before I was 20 years old.

最近，当我在看回我自己一些关于股票投资的分析，我开始更认识自己在投资上的一些盲点和可改进的地方。

Recently, when I was looking back at some of my own analysis on stock investment, I began to know more about my blind spots and areas for improvement in investment.

我个人觉得，1997年的金融危机对我个人的投资理念产生重大的影响，也造就了今天的我，无论是一些在投资上的优点还是缺点。

I personally feel that the 1997 financial crisis had a significant impact on my personal investment philosophy, and it has also created me today, whether it is some advantages or disadvantages in investment.

在选择优质和强基本面公司是我的优点。我特别喜欢有很多现金和愿意派股息的公司。这些公司在任何风暴中都能安然度过。我想这个倾向是因为我看见1997年爸爸购买的公司中倒闭带给我家经济方面的种种影响和打击。

It is my strength to choose high-quality and strong fundamental companies. I especially like companies that have a lot of cash and are willing to pay dividends. These companies can survive any storm. I think this tendency is because I saw the various impacts and blows on my family's economy caused by the bankruptcy of the company my father bought in 1997.

因此，在我选择的公司中，我很少会去购买最近特别火红的科技股，因为这些公司的未来特别难预测，导致我失去很多成长的公司，失去了很多之前在低价位的科技公司。没有选择科技成长股是我过去十年犯下其中一个最大的错误。科技已经是今天的必需品，人可以为了一台苹果手机而卖肾！这说明了科技对现代人多大的影响。

Therefore, among the companies I choose, I rarely buy technology stocks that have been particularly popular recently, because the future of these companies is particularly difficult to predict. As a result, I lose many growing companies and many low-priced technology companies before. . Not choosing technology growth stocks is one of the biggest mistakes I have made in the past decade. Technology is a necessity today, and people can sell kidneys for an Apple phone! This shows how much technology has had on modern people.

第二，在97年的金融危机让我害怕纸上输钱。在我20岁后的投资生涯中，我几乎没有一年在BURSA的年回酬中是负数的。可是，我也没有在BURSA中赚大钱，大概在5%到40%（只有在产业和油棕股大好的几年）之间，应该平均在10%左右吧。我虽然选择了正确的公司，可是却在股票下跌时卖了以保本或赚了10% 到20% 就把一些价廉物美的股票给卖了，最好的例子就是FPI。我的本钱大概在RM1.50, 在三月行动管制加上疫情的悲观因素下把它卖了，而且还是亏本卖！如果我没把它卖了，在RM2.20时才把它卖了，我今年的回酬将非常可观，大概在40%到50%。

Second, the financial crisis in 1997 made me afraid of losing money on paper. In my investment career after the age of 20, I almost never had a negative year in BURSA's annual return. However, I didn't make a lot of money in BURSA, probably between 5% and 40% (only in the good years of industry and oil palm stocks), it should average around 10%. Although I chose the right company, I sold some cheap and good stocks when the stock fell to protect my capital or made 10% to 20%. The best example is FPI. My capital is about RM1.50. I sold it under the pessimistic factors of the March movement control and the epidemic, and I sold it at a loss! If I didn't sell it, and only sold it at RM2.20, my return this year would be very impressive, about 40% to 50%.

第三，对自己的选择没有完全的信心和耐心。有时，我买了一只好股，股价却不会起。当股价开始起了10%或20%时，就把它卖了，因为总觉得钱在自己的口袋才是最稳妥的。所以，以后当选了一只优质股时，必须要有耐心，特别在等着春天来的时候，不要被周围的吵杂声给影响了自己的信心和耐心。

Third, there is no complete confidence and patience in their choices. Sometimes, I bought a good stock, but the stock price would not rise. When the stock price starts to rise by 10% or 20%, I sell it because I always feel that money is the safest in my pocket. Therefore, when you are elected a high-quality stock in the future, you must have patience, especially when waiting for the spring to come, don't be affected by the noise around your confidence and patience.