The 9th anniversary story of Futubull users we would like to share today is about a new mom named Tina. She made her first foray into the stock market only a year ago, but successfully transformed herself from a green hand who followed the herd to a discreet and rational investor with her own investment logic.
As a mom, Tina has also set up a finance management plan for her baby born this year, hoping to save up a fortune as the baby grows up.
Used to be an “average but confident” newcomer trapped in herd mentality
At the beginning of 2020, Tina just closed her own business for good and, faced with the raging Covid-19 pandemic, she had no choice but to stay at home. Like many others who had plenty of time to kill during lockdown, Tina got intrigued by investing and making money. But by then, she was just an overconfident newbie who made quite a few silly mistakes.
“For a start, I did what other immature investors had done: bought at the top and sold at the bottom, held only those hot stocks and dreamed about turning rich overnight. I didn’t think much or do any review, because all I wanted was to make quick money,” said Tina. Yet the market trend changed dramatically in February, 2021, when the performances of growth stocks and value stocks switched, causing her portfolio to lose 30% of its value in a week. In retrospect, she confessed that “it felt like falling from heaven to hell with my face down. The excruciating loss made me deeply reflect on my operations.”
Learning from that hard lesson, Tina made up her mind to study investment from the basics. “I think what’s good about me is that I’m a constant learner.” She spotted numerous insightful articles by seasoned investors on Futubull community, who shared their investment philosophy and lent a helping hand to newcomers who struggled to build their knowledge base. Futubull also offers free courses for green hands, helping them learn investment in a systematic way, including basics such as how to value a company and diversify portfolios.
Furthermore, Tina joined several training camps offered by Money Plus, which taught her knowledge about wealth distribution, money-making tactics on the capital market and asset allocation plans for female investors.
“Futubull has taught me a lot. It gives me an opportunity to learn from investment masters and helps me grow. It’s more than a stock-trading app. I can feel Futubull takes an effort to guide investors, telling them about proper investment attitude and providing comprehensive investment knowledge and science-based approaches for them. It’s dedicated to thriving with its clients,” said Tina.
Tina’s growth stage: building her own investment pyramid
As she got deeper knowledge in investing, Tina fought her way as a mature investor, holding stocks and funds in the meantime and gaining reasonable returns within her capability step by step. Gradually, she understood what Warren Buffet meant when he said, “Time is the friend of the wonderful company, the enemy of the mediocre.”
“Now I’d put a greater emphasis on two types of companies that have a wider moat. The first ones are highly-recognized companies that cannot be changed, such as Hermès, LV, and Moutai, a household Chinese liquor brands. The other category is made up of leading companies that can change the world, like apple and Tesla.”
In terms of operations, Tina has become more prudent than she used to be. For instance, she closed her positions of Tesla at 100% yield. “I’m quite decisive in making exits. I’ll leave without hesitation if I feel it’s the right moment.”
Tina designed a “Happiness Plan” for herself in the investment pyramid, perking herself up by buying things she likes. “Apart from managing our finances, girls all enjoy shopping. If I stashed away all the money I earned, I wouldn’t be happy. But with this ‘happiness plan’ I’ll work harder on investing to make more money and reward myself with things I want.”
Her family members are also part of her investment pyramid. “I have a ‘fire plan’ included in the pyramid, too. I hope my husband won’t be so busy when I achieve my financial freedom. Instead, he can take me and the baby to travel around the world, experiencing exotic lifestyles and seeing something totally different. Since we cannot earn money beyond our perception, we need to see the bigger world before we play big.”
Setting a financial management plan for her newborn baby
2021 matters a lot to Tina for another reason—her baby was born!
“My baby’s zodiac is ox, making it a good pair with Futubull. I have redeemed many Futubull mascots and placed them around the TV. My baby will have a lot fun with them,” joked Tina.
After giving birth, Tina turns into a stay-at-home mom. “I now do financial planning while taking care of my love because good financial management matters a lot to a thriving family. As I have a penchant for managing finances, I also set up a financial management plan for my baby.”
Tina contributes a fixed amount to 3 funds on Futubull for her baby every month, hoping to save him a fortune when he grows up.
On occasion of the 9th anniversary of Futu, Tina said, “I hope Futu can continue to thrive and lead the industry, growing into a company that works for every investor and enables different means of payment so that everyone can manage their finances at ease here. Plus, I wish all investors on Futubull can earn big money. Finally, Futu, happy 9th anniversary!”
Disclaimer: The above content represents the personal sharing and opinions of the guest, and does not constitute any recommendation, purchase, sale or holding of the above-mentioned stocks or investment strategies by Futu.   All investment involves risk. Prices of investment products may go up as well as down. Please understand the product risks and seek for professional advice before making any investment decisions.