• Cui Nyonya Kueh : Wow very rich

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• Coach Donnie OP : US Banks Earnings
  $JPMorgan (JPM.US)$ Surprise Outlook
  $Bank of America (BAC.US)$ Global Markets Accelerate
  $Wells Fargo & Co (WFC.US)$ Fees Offset NII Pressure
  $Morgan Stanley (MS.US)$ Wealth Unit Rebounds
  $Goldman Sachs (GS.US)$ Pent-up Demand
  $Charles Schwab (SCHW.US)$ Turning Point
  $Citigroup (C.US)$ Turnaround in Progress

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• Coach Donnie OP : In the market, "time" can refer to several important concepts:
  1. Time Horizon: This is the period over which an investor intends to hold an investment before needing to access the funds. Time horizons can vary widely, from short-term (days to months) to medium-term (a few years) to long-term (typically five years or more). The time horizon influences investment strategy, risk tolerance, and asset allocation.
  2. Time Value of Money (TVM): This principle states that a sum of money has greater value now than it will in the future due to its potential earning capacity. In investment terms, this concept underpins the importance of earning returns over time, often calculated using present value and future value formulas.
  3. Market Timing: Refers to the strategy of making buy or sell decisions based on predictions of future market price movements. Market timing can be risky and is often criticized for being difficult to execute consistently.
  4. Investment Duration: In fixed-income investments, duration measures how sensitive the price of a bond is to changes in interest rates. It considers the timing of all cash flows, including interest payments and the return of principal.
  5. Compounding Time: The effect of compounding returns over time is crucial in investing. The longer the investment period, the more pronounced the effects of compounding can be, as returns generate additional returns.
  Understanding these various aspects of time is essential for investors as they shape decisions, strategies, and expectations for returns in the investment market.
  Time in The Market Beats Timin The Market.
  #CoachDonnie #TimeInTheMarketBeatsTiminTheMarket

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• Coach Donnie OP : Thank You @Svetlana Polishuk

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• Coach Donnie OP : $NVIDIA (NVDA.US)$ stock was a standout gainer in the chip sector on Monday as it powered to levels that cemented a new milestone. The company's closing market cap was $3.525 trillion in Monday action.

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• Coach Donnie OP : How much risk can you take?
  When it comes to investing, risk and return may come hand-in-hand. If unwilling to take risks, one should not expect returns.
  However, it could be dangerous when some only have their eye on the returns and neglect the risks.
  So, how to balance risk and return? This depends on how much risk you can take.
  Risk tolerance varies from person to person. This is mainly related to 4 factors.
  The first factor is age.
  A young man in his prime and a retired senior generally have different levels of risk tolerance.
  Young people usually have a longer timeline to recover from their losses.
  
Therefore, they may be more risk-tolerant.
  However, many elderly people live off pensions or savings, and may not have other sources of income, which can make them relatively less risk-tolerant.
  A commonly cited rule of thumb makes it easier to approach the relationship between age and high-risk assets, such as stocks.
  According to this principle, the percentage of stocks people may consider holding is equal to 100 minus their age.
  For example, a 30-year-old investor may consider allocating 70% of their idle funds to stocks, while according to this rule, that percentage for an investor aged 70 should be within 30%.
  However, this formula can be flexible. You can adjust it according to your situation. But, all else being equal, the principle is the older you are, the lower the proportion of your portfolio that you might want to consider investing in high-risk assets.

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