To you, whose average age of investors is not more than 25 years old.

During the years of the epidemic, online investment platforms suddenly became popular, attracting many young people to participate. The worst thing is that a large group of shamans appeared, earning high fees without money going into their pockets, becoming unsuspecting prey. In the future, it became a pain that cannot be erased, just like my elders during the 1997 Asian financial storm, when stocks collapsed and burned, they would rather store money in public banks for fixed deposits than buy bank stocks, after all, their hard-earned money was saved for most of their lives, without any warning, it disappeared like that.

Actually, investing in stocks is really easy, it's just that most people treat it like gambling and don't truly understand the background of the companies they buy stocks from. They just copy homework everywhere, fearing that they won't even copy well. When stocks collapse, they console themselves with a mentality of losing less and winning, Let me share some pure insights.

1. Choose the right stock market for investment, the beginning must choose the right direction.

Do not choose Malaysian stocks, because now the government is becoming more and more conservative, without implementing bold policies for reform after elections. Every year's government budget deficit will only get higher, devaluing the Malaysian Ringgit, benefiting exports but making imports more costly, benefiting the rich and burdening the poor. If you really want Malaysian stocks, it is recommended to invest in Maybank, because it is the last giant to fall. It is better to buy US stocks, where the most innovative and greatest companies in the world are listed. Invest in the personal daily life products you are most familiar with, what is the quality like? The experience after use? If one day, you feel that there is another innovative competitor that is much better than this one, it's time to embrace stocks of innovative companies, ignore the comments of shamans, the most important thing is to understand for yourself the future trends of innovative companies.

2. Challenges in the first 3 years of investment and facing market fluctuations.

Just starting to invest, the most important thing is to use spare cash, an amount of money that does not affect your daily life routine, and will not be affected by the unpredictable financial markets. For those whose hearts are not strong enough, it is best to put the money in banks to earn interest. For those with insufficient funds, you can also buy fractional shares of US stocks at 0.xx or 1 share. As long as you develop this habit, the road ahead will be better and better. If you don't know which US stock to buy, you can also learn from the stock god Buffett on buying and selling stocks. Black Swan events in the financial market cannot be prevented by anyone, only by learning that crisis is the best opportunity, maintaining an optimistic attitude, remain calm and avoid making wrong choices.

3. Self-discipline awareness

Develop a habit of going to bed and getting up early, taking good care of your body. Health is the only thing that can increase your wealth. Pay attention to current international topics, develop good spending habits. Everyone has different requirements for life, leave useless social activities or social media, which will only waste a lot of time. Time is really precious, because everyone has 24 hours a day. I wish everyone can live a comfortable life through investment in the future.

I'm not any Gu Lu teacher, nor do I have any paid group ancestors, just purely sharing here.