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Tuesday, April 8, 2014

653.负利率时代: 3.5%以下的定存利率 vs 投资5% - 10%的高股息股票, 20间高股息股一次看个够!!

在百物都涨价的时代,唯一起不多的就是我们的薪水。所以大家都高喊钱不够用。加上马来西亚已经步入了"负利率"的时代,我们又应当如何去应对呢??

以下段落摘自《星洲日报》

大馬隔夜政策利率企於3%,商業銀行目前的存款利率介於2.75%至3.25%左右,以3.4%的通膨,大馬已經步入負利率時代,大馬35%的高儲蓄率,存戶的錢因為通膨而縮水。靠儲蓄老本過活的退休族,也面對“退休金”縮水的打擊。

所以很多人的存款以及退休金现在都处于岌岌可危的处境。如何摆脱通货膨胀,我认为其中一个方法就是投资以获得比通货膨胀的利率,这样才能慢慢走出负利率,低薪的困境。

把钱存放在银行,我们可以拿到固定的利息。而投资股票可则可以拿到股息。银行利息是固定的,但是公司派的股息会随着业绩的进步而提高,所以是存在着上涨的空间。不过前提是你必须投资到“五星级”的好股。

我在报纸上读到,很多人因为98年金融大风暴过后视股票如蛇蝎。因此也影响了很多年轻一代,认为投资股票很容易投资失败,然后输个精光。

其实股市里也有相对比较低风险,高股息的股票。但是其中的缺点就是股价的浮动比较少,当中最好的例子就是REITS(产业信托。当然也不缺乏一些高股息,股价涨幅也不错的好股,但这种公司是可遇不可求,遇到了就要抓紧紧了。
 今天我将会列出我的资料库里面20间股息高过与5%的高股息股。所以某些股可能没有出现在这里,请多多见谅。
 上列的图表是跟着最高股息的顺序排列。
 第二个图表现是在20支高股息股里,那几支股的涨幅是比较高的。

高股息股分析:

个别公司分析:
  • ACOSTEC - 今天上涨了很多,原因是因为公布了20仙的特别股息,周息率高达23.67%,真的是太恐怖了。根据水星的分析 - 这间公司是喇叭音响股,。盈利逐年下降,近来还有quarter亏了,上个财政年的业绩从去年全年的6.2仙(派息4仙)暴跌到今年的全年0.5仙,只赚0.5仙却突然在昨天宣布20仙的特别股息,这应该更像是资本回退,这种公司个人是不敢碰的。所以大家买进可要小心了。
  • MATRIX - Harry组合里的奶牛,我已经多次介绍过这间公司。股息在现在的高价也有8.96%,而且业绩以及盈利以自己节节高升。所以我会长期持有它,让它为我挤出更多的奶水(股息).
  • MAYBANK - 老虎银行是所以银行里面股息最高的公司。周息率为5.7%,我在期待它快快上到RM11就卖掉了,拖了这么久也不是办法。嘿嘿。。。
  • DLADY - 好对人都好喜欢的大奶妹,丰满又多股息。不过股价真的很高,而且今年的派发的股息比去年少了20仙,所以吸引力降低了那么一丝。不过好多网友都好喜欢它哦。
  • MAGNI - 美女也是很多网友们的心头好。良好的业绩报告,使到股价今年飙升了接近16%。而且股息还可以维持在接近5%,是为数不多的高股息,高capital gain的低volume股。

看到这张照片的时候,我脑海里浮现了上面的在爽,下面的在痛苦着。不要想歪,我说的是钓鱼。嘿嘿。。来回背着林小姐几次,大家看到其实我的胸前时有汗迹的。哈哈。。不过一切的辛苦都值得,因为照片效果真的很不错。



Harryt30
21.30p.m.
2014.04.08

27 comments:

  1. Matrix 也是我的主要股!每天都等着你的分享!谢啦!

    ReplyDelete
    Replies
    1. 不用客气,很开心有忠实的读者。
      不过你可以在留言过后留下名字吗??
      因为最近真的有很多无名客。

      Delete
  2. 我的组合里一只都没有~~
    传说中的咪咪眼又出现了~

    ReplyDelete
    Replies
    1. 小雷,迟点你就会有了。哈哈。。
      我的小眼睛可是摘牌啊。

      Delete
  3. Very details and helpful sharing. Respect ! Respect ! I need to look at matrix then. I do not have any FD in bank, almost all available fund in stocks long term n dividend purpose. Could be quite risky if bear market arriving....

    ReplyDelete
    Replies
    1. Yaya.. better save some money for emergency use. Don't put all money inside share market. Sharing is caring , I am happy that my post can help others.

      Delete
  4. Have been following your blog for quite some time. A very high quality stock investment sharing blog. One of the best and most practical blogs I come across. Hardly could believe you only has been invested in stock for 1 year and 4 months, wow ! Btw, your wife is photogenic and I like this pic especially... I personally think you looking good without a spec *wink* p/s: Apologise for having to write in English as I do not have patience to type in Chinese :)

    ReplyDelete
    Replies
    1. When I invest more , I wish I can learn more . That s why I keep improving my database and sharing here. I wish everyone can benefit from my sharing. My wife was very happy this few days because everyone keep saying she is pretty and photogenic. You should comment because I really get motivated by you all.

      Delete
  5. 我儿子和你年龄差不多哦,你真的很厉害。我叫我儿子多来向你学习。

    ReplyDelete
    Replies
    1. 不要这么说啦,我才学习了一年多。
      还有很多东西要吸收,应该说是互相学习。嘿嘿。。

      Delete
  6. Thanks for ur sharing & effort Harry. IMHO I think Maybank can keep for long term, if it goes up to rm11, u might not be able to get lower price later. Cheers & happy investing

    -wachxe-

    ReplyDelete
    Replies
    1. Your welcome Wachxe. Some time I am quite aggressive for capital gain . Although I know that Maybank can hold for long term . Haha..

      Delete
  7. 好像漫畫裡的男女主角 :)

    ReplyDelete
    Replies
    1. 你这样说就有点太过夸张了。
      不过谢谢夸奖。

      Delete
  8. Hi, Harry.
    Everyone comment LPI was a high D/Y stock, but it doesn't appeared inside your list.
    Why ?
    Tq.

    Eric

    ReplyDelete
    Replies
    1. Hi Eric , LPI dividend yield is around 4.15 % if calculate by today share price. And the price for LPI is Rm 16.50 above, I think it is a bit expensive . That's why I prefer share with lower price higher liquidity. I mentioned before I won't include all share because I don't have so many datas with me. I only choose the stock that I familiar and interested.

      Delete
    2. The stocks I listed yesterday are around 5% and above. All are higher than LPI. But LPI result for this quarter was really good . Good luck for your investment .

      Delete
  9. Actually, I doesn't own any share of LPI.
    I feel the price is quite higher same like you.
    But as you mention, the result of recently quarter is really good.
    Therefore, I just wonder whether I shall own the LPI or not ?

    ReplyDelete
    Replies
    1. I really don't know. I think you need to do more homework on that. Good luck.

      Delete
  10. 20只高息股,我中了六只。呵呵!

    ReplyDelete
    Replies
    1. 你和水星的组合都中了很多只。我暂时只中了2只! 嘿嘿。。

      Delete
    2. wendy 才中一个~~
      水星是股息掌们人,当之无愧.
      其实股息股还有很多的,只是涨幅不祥,有可能要住很久套房。

      Delete
    3. 请问现在买还来得及吗?
      股息还是一样?
      我目前没买过股票,只是不想把钱放定存

      Delete
    4. Wendy, 慢慢来。只要选择对了,将来你就会是第二个水星了。哈哈

      Delete
    5. 无名,不一样了。现在股价可能有起有落,所以股息也变得不一样了。

      Delete
  11. 谢谢资料分享~ 哈利胸 ~ 呵呵

    ReplyDelete

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