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大学生的百万梦 Male ID: 151817892
04年墨尔本大学生 投资澳股 美股
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    To clarify before we begin: this is not investment advice ⚠️
    Investing involves risks, and one should be cautious when entering the market.
    This is my first experience as a university student researching new stocks and attempting to build a position, along with some reflections to share. Due to space limitations, I will summarize the key points as concisely as possible.
    My research process
    Target Code: JNS
    • Use existing financial reports to roughly estimate the company's valuation.
    • Compare various indicators with competitors and industry averages.
    • Analyze market demand and industry trends.
    • Assessing future development potential
    • Examining core competencies and the background of the founding team
    Company Positioning $Janus Electric Holdings Ltd (JNS.AU)$
    Janus Electric's business model does not focus on manufacturing complete vehicles, but rather on retrofitting traditional diesel trucks into electric trucks.
    This positioning provides transportation companies with a low-cost option for electrification upgrades, allowing them to save substantial capital expenditures compared to directly purchasing new vehicles, while also aligning with environmental trends.
    Risks and Reality
    Overall, newly listed companies generally lack stable profitability, with JNS even showing negative revenue in its early stages.
    Therefore, the risks are high: if the project encounters difficulties or negative events occur, the stock price may experience significant fluctuations.
    On the other hand, if the future profit model is validated, the company has significant growth potential.
    The current stock price is on a downward trend; however, due to the limited average daily trading volume (on some trading days, only a few transactions occur)...
    Translated
    21 years old | First purchase of a newly IPOed company | Personal advice and experiences
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    Hi, mooers! 👋
    The countdown is on! $Rio Tinto Ltd (RIO.AU)$ 2025 Half-Year Results are set to drop on July 30, and strategic updates from the new CEO, lithium development timelines, and risks at Mongolia's Oyu Tolgoi mine, this earnings report could be a game changer. This is your chance to earn rewards and gain insights by predicting the opening price. Let’s get into it! 🎉
    Recent Performance Snapshot
    Since the last earnings call, RIO's operatio...
    RIO H1 FY2025 Earnings Preview: Predict & Win Big! 🚀
    RIO H1 FY2025 Earnings Preview: Predict & Win Big! 🚀
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    During this past period, I have experienced some important changes:
    I have decided not to pursue a master's degree, and my employment direction has also undergone significant adjustments.
    Although this decision was expected, when it was actually implemented, it still brought quite a shock. I will specifically share this experience later. But today, I want to first talk about a core course in finance - Investments, and my true views on it.
    As a student studying finance at the University of Melbourne and an investor with nearly a year of live trading experience, it must be said frankly:
    The money I have currently earned through investing is not actually closely related to the course itself.
    Why say that.
    Many people (including myself in the past) have a misunderstanding about the "Finance" major, thinking it is equivalent to "mastering the secrets of wealth": "As long as I attend a good school and study Finance, I can choose stocks that will skyrocket and easily achieve financial freedom."
    However, reality is not like that.
    Taking the Investments course at the University of Melbourne as an example:
    This course does not involve so-called technical analysis, chart trading strategies, nor will it teach any short-term speculation strategies. Its core content includes:
    • How to construct a multi-asset portfolio (Portfolio Construction)
    • How to use models like CAPM and APT to predict expected returns.
    • How to understand and Algo risks and returns...
    Translated
    Am I regretting studying finance while trading stocks? Let's discuss the real value of the Investments course|Don't treat finance as a shortcut to getting rich.
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    When you are close to breaking even, the rebound comes to an abrupt stop; when you exit for profit, a dark horse emerges; when you are feeling proud, a big drop arrives as expected; when you are broke, good stocks are everywhere; when you are fully invested buying the dip, the decline is just beginning. (The jokes online are really fun.
    I remember that whenever I bought Stocks, I would always look at the Candlesticks.
    After the price rises, feel proud and want to sell.
    When at a loss, feel like it's over and that a wrong decision was made.
    Or see that the trend is upward at the opening and then Buy, but it ends up falling off a cliff.
    There is also the fantasy that if money was borrowed to Buy at the lowest point, wealth would be achieved by now.
    If you also have the above operations, then the following three points are shared for newcomers to the market and also for my past self.
    [One R] Once you Buy, don't keep staring at the market, especially when submerged in losses.
    You just bought a Stock and subconsciously open the software every day to check if it has gone up or down. If it dips a little, you regret it; if it rises a little, you feel great and think about selling. Especially after being submerged in losses, you are even more led by the price every day, becoming more and more confused and losing more.
    The daily fluctuations in stock prices actually have nothing to do with your initial judgment. Watching closely can lead to being influenced by emotions, resulting in irrational decisions.
    Recommendation:
    • After Buying, set a "cooling-off period" for yourself, like 2-3 days without checking on it.
    • If it's not a short-term operation, don't refresh the market every day.
    [二R] Do not chase the rise or Buy impulsively.
    To be honest, who wouldn't be tempted when seeing a stock continuously rise and hit the hot list?
    I used to chase it as well, and then...
    Translated
    20-year-old college student | May monthly income challenge of over 10,000 | Tips for not chasing high prices.
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    大学生的百万梦 commented on and voted
    Since entering the market in September 2024 until now, there have been three trades in the past few months that stand out in my memory. Although the process was frustrating, these losses provided me with a deeper market understanding than any textbook.
    Today I will review the three most significant losing trades, extracting three key investment lessons, hoping to provide references for other investors, particularly young investors who have just entered the market with capital between 0.05 million to 0.1 million Australian Dollars.
    Lesson One: Heavy Investing Amplified Systematic Risk (Using MIN as an Example). $Mineral Resources Ltd (MIN.AU)$
    ▍Case Review:
    When first entering the market, I tried short-term trading in the mining company MIN (Mineral Resources), achieving good returns initially with about 30-40% profit in a week. Due to overconfidence, I subsequently heavily bought in with a position of 8~0.09 million Australian Dollar (about 2,000 shares), expecting to gain double profits through high dividends and swing trading.
    However, MIN's subsequent Earnings Reports fell short of expectations. The CEO was involved in tax and governance issues, mineral product prices declined, and there was no clear guidance given for the future, causing the stock price to drop from a high of 75 Australian Dollar to 24 Australian Dollar, resulting in a cumulative unrealized loss exceeding 0.016 million Australian Dollar, and ultimately no dividends were distributed.
    ▍Reflection Summary:
    Concentrating heavily on a single symbol exposes personal accounts to specific Industry and corporate governance risks.
    Expectations for high dividends should not be disconnected from the fundamental aspects of the company and...
    Translated
    [Real Review] Three Trades Lost Over Ten Thousand Dollars, I Summarized Three Professional Investment Lessons.
    [Real Review] Three Trades Lost Over Ten Thousand Dollars, I Summarized Three Professional Investment Lessons.
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    While everyone else is chasing high prices and making quick trades, I have actually been quietly earning through "Dividends."
    Although it's not much, it is definitely a method of making money through long-term investment philosophies.
    You can see that from March to April, my total dividend income over the two months is approximately $2,000 Australian Dollar.

    Simply put, after the company makes a profit, a portion of that profit is distributed to shareholders, which is called a "dividend."
    In P2, different dates can be seen.
    Announcement date:
    On this day, the dividend plan and amount will be announced.

    Record date:
    To be eligible for the dividend, one must be a company shareholder by the close of trading on this date.

    Payment date:
    On this day, the dividend will be credited to the account.
    Those who buy after the record date will not receive any dividend income (please note).

    Why pay attention to dividends?
    Stable Cash / Money Market:
    Even if the stock price fluctuates, as long as the company continues to pay dividends, you can "check in and collect money" every year.

    Long-term compound interest:
    Reinvesting dividends can create a snowball effect of compound interest.
    In the long run, it may be more reliable than chasing hot trends.

    More stable mindset:
    With passive cash flow, you won't be swayed by the market's ups and downs.
    If pursuing high dividends, choosing the right Industry is important, as some do not distribute dividends and some only pay a few cents.

    High dividends:
    AU: Banks, utilities, mining, telecommunications
    CBA, WBC, NAB. $CommBank (CBA.AU)$ $Westpac Banking Corp (WBC.AU)$ $National Australia Bank Ltd (NAB.AU)$
    ...
    Translated
    04 University Students' Finance | $2,000 Australian Dollar passive income in two months.
    04 University Students' Finance | $2,000 Australian Dollar passive income in two months.
    04 University Students' Finance | $2,000 Australian Dollar passive income in two months.
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    At the conference, Buffett shared the three most important directions in life that he could offer.

    Today I am here to share a personal insight with everyone.

    [One R] The friends you make (the environment you are in) determine the direction of your life.
    I have heard this sentence many times before, but it wasn't until college that I truly felt its significance.
    I discovered that the people you spend time with will gradually shape who you become.

    For example, if the people around you are all into side hustles, investing, and discussing how to improve efficiency, you will naturally feel that it is "strange not to work hard";
    But if you spend every day among a group that only talks about gossip and is unwilling to change the status quo, you will also feel that "just going with the flow is pretty good."

    People can indeed be influenced by those who resonate with them; the environment can quietly "rewrite" you.
    So I am now increasingly aware of getting closer to those who inspire me to become better, even without speaking, just being around them, observing how they work, plan, and think about problems has already brought me many benefits.

    Finding something you are willing to do even if it doesn't make money is the key to being able to do it for a long time.
    This statement may sound a bit idealistic, but it is actually a very realistic criterion.
    I found that those around me who can really stick to something for years and ultimately achieve results generally have one thing in common: they truly enjoy it, even to the point of being 'addicted'.

    Taking my friends as an example, such as fitness, the main reason many people can't stick with it is that they don't enjoy fitness and can't find a purpose or goal in it.
    Translated
    Buffett gave three pieces of life advice at the conference | Directions in life.
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    Today, the impact after another 100% tariff.
    Trump announced a 100% tariff on all movies "shot overseas and brought back to the USA." As soon as the policy was released, the stock prices of Netflix and Disney plummeted.
    Today I will talk about my opinions on why the USA would take such a heavy measure. Where will the consequences spread?
    1 | The calculation of "revitalizing local production."
    The superficial reason is very straightforward: to keep film sets, jobs, and tax revenues in the USA. Over the past decade, Australia, the United Kingdom, and Canada have lured away a significant number of Hollywood crews by offering lower labor costs and tax refunds; in political rhetoric, this has become an issue of "industrial hollowing out" and even "National Security." A 100% tariff is a forceful "hush money"—while overseas filming is cheaper, the saved money must be reimbursed before being released back in the USA.
    2 | The first round of impact: costs and capital.
    • Production costs: It costs around 80 million after tax rebates to make a commercial film overseas with a budget of 100 million; the cost doubles immediately after taxation, rendering the financial models of many projects ineffective.
    • Capital Markets: On the day the news broke, it felt like many independent films might be stillborn.
    • Insurance and financial derivatives: In the past few years, popular completion bonds and box office return insurance all need to be repriced, and the derivatives pricing model requires significant adjustments.
    3 | The chain reaction of the global chain.
    • Major filming countries: Australia, United Kingdom, and New Zealand are the first to be hurt, initially pointing to...
    Translated
    Another wave of 100% tariffs!? What should be done? What are the implications!
    3
    Recently, influenced by policy changes and the recovery of global risk sentiment, market volatility has significantly intensified. Whether it is broad-based indices or popular sectors, price fluctuations are at a high level. However, at the same time, we also observe that some markets have begun to warm up, with risk appetite gradually rebounding, and more and more investors are rethinking - how to build an appropriate entry strategy?
    One common question is:
    "Should I continue to invest steadily in ETFs through RSP, or actively pick individual stocks?"
    This article will systematically analyze the core differences and application suggestions of ETF vs individual stock investment from three dimensions: logic, applicable groups, and risk-return characteristics.
    1. ETF vs Individual Stocks: Differences in Underlying Logic
    🔹 ETF (Exchange Traded Fund):
    An ETF is a collective product that tracks a certain Index or Sector, essentially "buying a basket of companies." For example:
    Australian stocks: ASX 200 (A200), Vanguard Australia Shares Index ETF (VAS) $BetaShares Australia 200 ETF (A200.AU)$
    U.S. stocks: S&P 500 ETF (SPY), Nasdaq 100 (QQQ) $SPDR S&P 500 ETF (SPY.US)$ $Invesco QQQ Trust (QQQ.US)$
    ...
    Translated
    In Melbourne, at 20 years old, going from a beginner to earning $10,000 a month.
    In Melbourne, at 20 years old, going from a beginner to earning $10,000 a month.
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    The sentiment in the US stock market is very positive right now, but this Friday the US non-farm payroll data will be released. Be cautious of the poor data from April, as this week will be a turning point for the US stock market!
    In my opinion, the recession will last until mid to late May, after all the panic from April's data is fully released, and after Trump completes the unequal agreements with other small countries. Only then will Trump truly engage in trade negotiations with China.
    Recently, the approach remains tough; unless there is another triple threat to stocks, bonds, and currencies, it may be possible for Trump's attitude to change!
    Historical experience tells us that major market bottoms generally occur at the end of an interest rate reduction cycle!
    Especially as the earnings report season is nearing its end, the profitability exhibited by the AI industry seems unable to justify their current market cap, and the biggest bubble currently in the Nasdaq is supported by the AI industry, while also facing competitive pressure from the AI industry in China.
    Therefore, if the sentiment of this rebound weakens and gradually enters into the realization of earnings report expectations, under the dual pressure of economic indices not meeting expectations, it is highly likely to accelerate the decline!
    It can be seen that last week's stabilization point for the Nasdaq was actually a rebound when the weekly line approached the 120-week line. The second round of accelerated decline may continue from early May to mid-late May, and the real stabilization point may need to reach the 250-day weekly line!
    This is exactly what I mentioned in my previous article about the weekly range in 2023! Currently, we are still oscillating within the first range, which is consistent with my viewpoint from a month ago!
    Do not expect the Federal Reserve to respond to such poor economic data in April...
    Translated
    The negative consequences of April will emerge this week...
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