It's time to set the stage for financial success! Cast your vote for the goal you’re prioritising this year and share your strategies to make it happen. Let’s inspire and learn from each other!

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Strategic Plan for Success:
Steps to Achieve Financial Goals:
1. Create a clear and realistic monthly budget to track spending and savings.
2. Allocate a percentage of income to specific goals (e.g., 20% toward debt repayment).
3. Au...

What is your most desired financial goal to achieve in 2025? Please select one of the following options and share the reasons! The voting will end on January 31st!
My Strategic Plan:
Objective: Optimize investment returns, increase annual yield to above 5%, while ensuring stability and diversification of assets.
Action Steps:
1. Analyze the current investment portfolio performance (such as holding stocks, ETFs, and REITs), assess the risk-return ratio, and adjust the allocation appropriately.
2. Increase investment in stable industries (such as Technology or essential Consumer goods) and dividend-stable stocks.
3. Look for more diversified opportunities globally (such as high-quality ETFs in Developed Markets and Emerging Markets).
4. Reduce the cash ratio to below 30%, allocate excess cash to high liquidity assets to enhance fund efficiency.
5. Continuously learn and optimize investment strategies, enhance judgment by participating in community discussions, researching market trends, and focusing on long-term opportunities.
Facilitate dialogue:
Moo friends, welcome everyone to participate in the voting and share your reasons for your choices! How did you set your financial goals for 2025? What experiences or suggestions can help others plan their investments better?
Collaboration and Learning:
Initiate discussions in our community, exchange views with other investors, and participate in other people's voting! This not only helps broaden your investment horizons, but may also bring new inspirations.

🎯Aim for 2025: Beat the S&P500 💸
🏆 I look for undervalued businesses—companies that generate strong cash flow, have durable advantages, and are selling for less than they’re worth. 💰
Using the Moomoo stock filter, I look for the following stocks 📈:
✅ P/E Ratio Under 20 – If I’m paying more than 20x earnings, I better have a good reason.
✅ Forward P/E Under 15 – I want earnings growth at a reasonable price.
✅ PEG Ratio Un...