🧐 Thoughts before investing? Today let's talk about mindset. Then let's discuss deployment. This article is definitely worth saving‼️
1. Thoughts Before Investment: Are you ready?
Recently, many readers have reached out for investment advice, including questions like: "What Stocks are worth paying attention to recently?" "What types of ETFs can be deployed?" "What should this year's target be set at?" These questions reflect a concern for market trends, but before answering, I would like to pose an even more important question: **Are you prepared in terms of mindset and capital allocation?**
Before investing, one should clarify how much cash is held and what percentage is allocated for savings; at the same time, determine whether oneself is a short-term, medium-term, or long-term investor, and assess the personal risk tolerance. These aspects are crucial and are key points of risk management that have been emphasized for many years. For example, if one is a short-term investor but cannot pay attention to market conditions due to work, it may interfere with decision-making, making a medium to long-term strategy more suitable. If the risk tolerance is relatively low, priority should be given to investing in stable dividend stocks or ETFs. Understanding personal positioning and abilities before investing will help in formulating a more robust strategy.
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2. Principles of capital allocation: Avoid putting all eggs in one basket, and it is advisable to retain cash.
In terms of capital allocation, I want to emphasize an important concept again: **Investing is not a game of going all in or out.** Gradually building a position in batches can reduce the probability of judgment errors and help alleviate investment pressure. Personally, I insist on investing only with idle funds. If I may need to use that fund in the short term or if there is a demand for cash turnover, cash should take priority and one should not enter the market recklessly. This is a gentle reminder after years of accumulated experience.
Many investors ignore the flexibility of capital, leading to repeated mistakes and continued losses, which is something I do not wish to see. Before investing, take a moment to **stop, think, review your situation and needs, and then formulate a reasonable deployment.** For example, at 41 years old, with short-term plans for Real Estate deployment, I only allocate about 30% of my funds to the stock market. About 50% will be allocated to dividend stocks, 30% to ETFs, and the remaining 20% can be used for more aggressive allocations, such as Technology stocks. The above is for reference only; I suggest readers adjust flexibly based on their age, goals, and risk tolerance.
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Three, the deployment direction of Hong Kong stocks and ETF strategy thinking.
$Hang Seng Index (800000.HK)$ $HSI Futures (NOV5) (HSImain.HK)$ Regarding the current trend of Hong Kong stocks, if readers have been reading my articles, they should know that I have a relatively optimistic attitude towards Hong Kong stocks this year, as I still do not see a high point and there is some room for upward movement. My personal deployment is also very clear, for example, $BABA-W (09988.HK)$ Alibaba - choosing to allocate at 102 yuan is based on the good performance of several Technology stocks, while Alibaba is surprisingly presenting a "big sale" status at this time. As a company deeply integrated into daily life, its stickiness and stability give me great confidence, making it one of my key holdings this year.
If readers do not wish to concentrate too heavily on a single stock, they can also consider diversifying into ETFs. At this point, it is worth asking yourself: **Do you have the ability to select stocks that exceed a fund manager's capabilities?** If not, choosing some strong-performing and stable ETFs for deployment may be more suitable. Currently, there is a diverse range of ETFs in the market, whether you want to participate in technology growth, stable dividends, or global diversification, there are appropriate options available; flexible choices can help you enhance investment efficiency.
---
Recently, many readers have reached out for investment advice, including questions like: "What Stocks are worth paying attention to recently?" "What types of ETFs can be deployed?" "What should this year's target be set at?" These questions reflect a concern for market trends, but before answering, I would like to pose an even more important question: **Are you prepared in terms of mindset and capital allocation?**
Before investing, one should clarify how much cash is held and what percentage is allocated for savings; at the same time, determine whether oneself is a short-term, medium-term, or long-term investor, and assess the personal risk tolerance. These aspects are crucial and are key points of risk management that have been emphasized for many years. For example, if one is a short-term investor but cannot pay attention to market conditions due to work, it may interfere with decision-making, making a medium to long-term strategy more suitable. If the risk tolerance is relatively low, priority should be given to investing in stable dividend stocks or ETFs. Understanding personal positioning and abilities before investing will help in formulating a more robust strategy.
---
2. Principles of capital allocation: Avoid putting all eggs in one basket, and it is advisable to retain cash.
In terms of capital allocation, I want to emphasize an important concept again: **Investing is not a game of going all in or out.** Gradually building a position in batches can reduce the probability of judgment errors and help alleviate investment pressure. Personally, I insist on investing only with idle funds. If I may need to use that fund in the short term or if there is a demand for cash turnover, cash should take priority and one should not enter the market recklessly. This is a gentle reminder after years of accumulated experience.
Many investors ignore the flexibility of capital, leading to repeated mistakes and continued losses, which is something I do not wish to see. Before investing, take a moment to **stop, think, review your situation and needs, and then formulate a reasonable deployment.** For example, at 41 years old, with short-term plans for Real Estate deployment, I only allocate about 30% of my funds to the stock market. About 50% will be allocated to dividend stocks, 30% to ETFs, and the remaining 20% can be used for more aggressive allocations, such as Technology stocks. The above is for reference only; I suggest readers adjust flexibly based on their age, goals, and risk tolerance.
---
Three, the deployment direction of Hong Kong stocks and ETF strategy thinking.
$Hang Seng Index (800000.HK)$ $HSI Futures (NOV5) (HSImain.HK)$ Regarding the current trend of Hong Kong stocks, if readers have been reading my articles, they should know that I have a relatively optimistic attitude towards Hong Kong stocks this year, as I still do not see a high point and there is some room for upward movement. My personal deployment is also very clear, for example, $BABA-W (09988.HK)$ Alibaba - choosing to allocate at 102 yuan is based on the good performance of several Technology stocks, while Alibaba is surprisingly presenting a "big sale" status at this time. As a company deeply integrated into daily life, its stickiness and stability give me great confidence, making it one of my key holdings this year.
If readers do not wish to concentrate too heavily on a single stock, they can also consider diversifying into ETFs. At this point, it is worth asking yourself: **Do you have the ability to select stocks that exceed a fund manager's capabilities?** If not, choosing some strong-performing and stable ETFs for deployment may be more suitable. Currently, there is a diverse range of ETFs in the market, whether you want to participate in technology growth, stable dividends, or global diversification, there are appropriate options available; flexible choices can help you enhance investment efficiency.
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Here, I will reiterate the medium to long-term stocks I will pay attention to, in terms of Technology stocks, the ranking is not in any particular order. $BABA-W (09988.HK)$ Alibaba $MEITUAN-W (03690.HK)$ Meituan. $TENCENT (00700.HK)$ Tencent $JD-SW (09618.HK)$ JD.com $XIAOMI-W (01810.HK)$ Xiaomi is considered by the author to have the highest stickiness among Technology stocks, and there are a few key Stocks to pay attention to. $LENOVO GROUP (00992.HK)$ Lenovo, CHOW TAI FOOK $CHOW TAI FOOK (01929.HK)$ ， $CCB (00939.HK)$ China Construction Bank Corporation. $ICBC (01398.HK)$ Industrial And Commercial Bank Of China, of course, there are still a small portion of $Bitcoin (BTC.CC)$ Bitcoin and $Ethereum (ETH.CC)$ Deployment of the ETF for Ethereum. $CSOP Bitcoin Futures ETF (03066.HK)$ $CSOP Ether Futures ETF (03068.HK)$
$LEADS BIOLABS-B (09887.HK)$ Additionally, I will participate in tomorrow's new stocks. Of course, it is very hot, and even if a lot of funds are allocated, there shouldn't be many hands to draw. This is a simple sharing of my mindset and deployment for the future. I hope the above can bring some improvement to everyone's mentality, and I hope that in the future, after some progress, everyone can come back and tell me: I have read your articles. Even if it's just a sentence or two that can impact you and lead to your improvement, then my goal will have been achieved. Thank you all for your continued support. See you next time. I will follow up on everyone's situation, and let's all do our best.
Remember, when there is an opportunity to make money, try to help those nearby who need assistance; it is a great merit.
Disclaimer: Community is offered by Moomoo Technologies Inc. and is for educational purposes only.
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Shaaaw : I totally get it! I've made some hasty investment decisions before without proper preparation, and it was a mess.
Digital Cat : I've been investing for 2 years, and I'm still struggling with figuring out my risk tolerance. Any tips?
中戶變大戶小牛變大牛 OP Shaaaw : Come on!
中戶變大戶小牛變大牛 OP Digital Cat : First, it is important to clearly identify which type of investor one is: short-term, medium-term, or long-term?
103157939 : thank you...your advice is v useful..
103157939 : csn you comment on CATL 3750.hk?
it has been going.up up up..and brokena few resistance levels..
Hope to : It's Monday today, and there was no review of last week's posts. The content you shared is very practical. Keep it up, I'm looking forward to your next post.![[undefined]](https://static.moomoo.com/nnq/emoji/static/image/default/default-black.png?imageMogr2/thumbnail/36x36 "undefined")