Pick individual company stock?

The technology stocks are down around 30% from the peak of last December. Many pros suggested not to buy the whole Nasdaq 100 index but pick individual tech stocks with steady cash flow and healthy profits. Picking specific companies has its own perils and is very labor-intensive. It is suitable for those who consider researchContinue reading “Pick individual company stock?”

Patagonia – a new corporate governance model?

Great news! Patagonia boss just gave aways the whole company to fight climate change. It is worth $3B! So many dire and depressing news on global warming are nonstop these days. The unprecedented flood in Pakistan is one case in point.  This brings some comfort and hope. I should go buy something from Patagonia rightContinue reading Patagonia – a new corporate governance model?

How much cash should we hold?

That is very timely question.  Putting cash in a high interest saving account can’t beat inflation still. However, we need to keep enough cash for emergency purpose. In retirement, the need for cash to cover living expense is even higher.  Therefore, it is important to maintain a fine balance of growth and security. In theContinue reading “How much cash should we hold?”

Saving for an EV

It seems wildfires, floods, and signs of extreme whether are everywhere caused by climate change. We naturally want to do something to feel that we can exert some control over the situation rather than just sitting on the sideline feeling hopeless. One option is to switch to an EV – electronic vehicle.  Given such highContinue reading Saving for an EV

Should I divest from fossil fuels?

Yesterday, all major news headlines were full of natural disasters from extreme weather caused by climate change. The deadly heatwave and the even earlier start of wildfire season are just two examples. That is so depressing! Is there anything I can do to at least make my feel better? Saving money for an EV, recycle,Continue reading “Should I divest from fossil fuels?”

Common mistakes on TFSA

The name TFSA – Tax Free Saving Account can be quite misleading or confusing. Some people think that it is the same as a regular bank saving account. Moreover, certain banks only offer TFSA account with such limited function. This further confirms their misunderstanding.  In fact, TFSA can be used to hold all kind ofContinue reading “Common mistakes on TFSA”

Better to act after the fact

There is no way to tell when the recession will happen per Warren Buffet. He said that he doesn’t based on his buying or selling decision on how the economy, or the market is going to behave. He said he is not good at marketing timing. I believe him on this. Therefore, it is betterContinue reading “Better to act after the fact”

My take on investment portfolio mix

I used to think that as long as I have the right mix of bond and stock, I will be fine to withstand the market crash. How wrong was I! The 2020 Covid market downturn taught me that lesson. I was very lucky that I didn’t need to withdraw the money then. I had someContinue reading “My take on investment portfolio mix”