My investment summary for 2024.

It's 2025 now, and I'm going to summarize my investment performance in 2024.

In 2024, my ROI exceeded 16%, including dividends and capital gains. This is also the highest return year in my 10 years of investment, surpassing the overall market. The KLSE saw a 12.9% increase this year.

I've come across a few seniors who mentioned that achieving a 10% annual ROI is easy. They said as long as you choose companies with a 6% dividend yield and then earn a 4% return from stock price appreciation, the annual ROI would already reach 10%. I followed the seniors' investment approach in 2024 and unexpectedly achieved over 10% ROI. However, I noticed many seniors had over 30% ROI in 2024, indicating that there's still a long way to go for me as a conservative investor.

As a conservative investor, I only dare to invest in low-risk areas such as bank stocks and property trusts. This year, the trends in the banking and property trust sectors have been favorable, and I have also caught this trend. Unfortunately, I was unable to arbitrage in a timely manner when the stock prices were high. Fortunately, I tried some short-term operations in bank stocks, successfully reducing some holding costs. I should also try these short-term operations this year to avoid too much damage when bank stocks decline.

In addition to investing in banks and property/A-REIT, I also bought shares in a property company that surged by about 50% in 2024. I hope it continues to perform well in 2025, especially considering the tax deductions for property purchases in 2025. The global interest rate reduction cycle expected in 2025 is also Bullish for the property sector.

2024 was also the first time I ventured beyond the Malaysian stock market. The Hong Kong stocks I purchased experienced substantial volatility and as of the last trading day, were still in a loss-making phase. I plan to continue holding them and wait for the next breakthrough in Hong Kong stocks. I've been through ups and downs with Hong Kong stocks; let's see who has more endurance.

My investment goal for 2025 remains achieving a dividend yield + capital return of over 10%. This year, I will venture into more aggressive investments, exploring opportunities in the Datacenter and CECEP Solar Energy sectors. Lastly, I hope to retain the profits from 2024 in 2025 and continue to generate an annual ROI exceeding 10%. Let's all work hard together.