分享我朋友的投資心得 - 股票
By Emma
at 2013-01-21T19:21
at 2013-01-21T19:21
Table of Contents
讓我簡短地介紹一下我朋友吧!
和他是大學同學,他在大二時就被二一,大二下就被退學,
當時他腦袋都是賺錢,兼家教、打工,玩股票,
那時是2004年,在sars期間,他說他大概賺了二十萬左右,
後來他退學後,就暫時沒有聯絡了。
後來我去當兵,出來工作,聽說他又在讀大學,在錢櫃打工,生活不是很理想,
但在去年他結婚了,也在台中買房了。於是乎,我問他怎麼忽然大翻身了。
他說在次級房貸前,他身上約有五十萬,
在2008時,虧到欠人家三十萬,當時他覺得真的很絕望,
因為他一直是學生的關係,一直沒辦法找一個正常的工作,面對之後的學貸和欠債,
他當時真的有自殺的念頭。
但他轉念一想,在股市裡賠錢可以這麼快,賺錢一定也是這麼快。
於是他又認真打工半年,存了三萬塊,
在2009大反轉時,他的報酬率只有3%,別懷疑就是3%,
他又想說不行,這樣賺太慢了,
所以開始當沖,結果賠他身上的積蓄,又增加了負債,
他心灰意冷下,暫時離開股市一年。
後來他又準備了二萬塊準備在股市中衝刺,我不得不跟他說,你要不要放棄了,
負債加一加了不起才一百萬左右,趕快把學業完成,找個工作把錢還一還比較實際,
結果他說,他想通了,欠一塊也是一條命,欠十億也是一條命,
他絕對要在投資上賺到錢,他說他的理想就是不要看客戶、老闆臉色,
有自己的時間想幹嘛就幹嘛,想出國馬上就可以出國,不用去排假,叭啦叭啦的。
當然我可能也想不開吧!我和我女友討論後,決定要幫這個瘋子,
於是我拿了五萬塊給他,說這筆錢可以不用還,
但如果你又失敗了,就乖乖地完成學業、好好找工作吧!
他笑了笑沒回答,錢倒是收了。
前年初我結婚時,他包給我六萬六,
事後我跟他說不用這麼勉強自己,他只淡淡地說不會。
接下來,可怕的事發生了,去年過年時,他拿著五十萬給我,說這是給我的報酬,
因為我是他的最大股東,我嚇到了,我還以為他中樂透之類的。
他說他已經賺到一千萬了,負債也還完,說他終於有小小的成就了。
在參加他的婚宴時,他上台致辭,他說最感謝他媽(因為他是單親家庭),
不管他做什麼荒唐事,他媽總是包容他;
也感謝他老婆,因為不論成功或失敗,她一直陪在身邊(交往七、八年了);
也感謝小弟我,因為那筆錢當時對他而言,不是多少的問題,而是在他倍受質疑,
我還願意掏錢給他去做他想做的事。
現在他身上的現金加股票約有六千多萬,沒有房貸(小弟還有七百多萬說),
真的很佩服他,這是什麼鬼報酬率。
以上都是廢話,下面才是我問他投質的心得和方法,
經過他的同意,分享給大家,希望對大家有點幫助。
但請不要問投資標的,因為他認為這是他的隱密。
一、初期:
因為資金不多,他要求自己交割戶的錢絕對不能動,先做好資金控管,
利用融資券來增加自己的槓桿,他從心理面、籌碼面下手,
他認為短期的股市漲跌和基本面沒有太大的相關,
技術面只是反應籌碼的變動,所以要先找到錢到哪了,
利用當沖、日沖、週沖或隔週沖,短期增加自己的財富。
他認為只要有出貨,當天的股價一定開高,那天就可以大膽地當沖,
他不建議先買後賣,因為台灣有平盤下不可放空的規定,避免沖不掉的問題。
但問題什麼時候是出貨點呢?
他說開盤價高,十點半前買賣頻繁並帶有大量,但價衝不上去,
那時就是他認為最好的當沖點,當然他看錯過,
但他說正確率有六、七成,量愈大成功率愈高,
他用這樣的方法,賺到了七、八十萬,清償了負債。
二、中期:
因資金變大,有更多的操作方法,
他開始做較長期的波段操作(其實也變成月沖或隔月沖而已),
但前期做的事還是繼續進行,一樣利用融資券來進行交易,
這時他認為因為要放這麼久,技術面就十分重要,
在選擇上,以技術面為主,基本面為輔,
他認為,技術面的陷阱太多,一定要配合基本面才能逃過這些陷阱,
在資金的分配上,週沖約二成,八成在波段操作。
這樣的方法讓他辭掉工作,專心操作股票去了。也有錢買房、娶老婆。
三、現在
他開始定期定額買權值股,主力還是以波段為主,週沖極少,
他說現在都一、兩個禮拜才看盤一次,
剩下的時間都是在讀書、讀財報,尋找好的標的物,也物色未上市櫃的公司。
現股、融資券都有在做,因為一旦有了長期投資,基本面超越了一切分析。
下面是他要求我說如果我要po文的話,要把這些話寫出來^^
他認為操作股票、創業、期貨操作或任何投資,都是在「資金控管」上做功課,
和自己的心態做戰鬥。
會賠錢不是輸給大戶、外資……,而是輸給自己,很多事都要反求諸己,
他覺得當初他會失敗,就是認為自己很厲害可以在股票裡發財,
但現在真的發財了,反而覺得自己要學的東西還很多,
絕不要有自利性偏差的心態,賺錢要感謝、賠錢更要感謝,
賠錢的經驗值遠大於賺錢的經驗值,絕不要認為賠錢就是誰的錯,都是自己的錯。
只有自己的心態改變了,才有機會在股市中賺錢,
他覺得一旦踏上這條路,就是永無止盡的學習,
一旦停止學習,賠錢早晚會找上門,一定要謙虛面對股市。
在每一次的交易都要記錄下自己為什麼買賣這個標的,
原因是什麼,預測方向如何(絕對不能預測價格),
如果之後走勢和自己的當初的想法不同時,是該出呢?還是修正方向,
他說這是一個遊戲,在股市中成長是目的,
金錢只是過程和手段,如果過份追求手段,勢必不會成長,那失敗就是早晚的。
話說我也操作股票兩、三年了,報酬率還是負的說= =,
要不是本業有賺錢,根本不可能娶老婆、買房子,
忽然覺得可以在股票中賺錢的好厲害。
--
Tags:
股票
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