趁後生開始踏實理財(問)

Michael: 

Hi Lum Sir, 

Thanks for writing a blog in the manner that you do. Really love reading the insights from your posts. 

Am writing to ask you about the High Yield Bond Fund. Know a reader once asked you about it, and you said to “PM” you… Well, hope your email is the same as PM. 

If you don’t mind, I have a quick question to ask: I have around HKD 1.6M cash and a property. The property will meet the 2 year line this Sep. What should I do with the money? 

Here is a quick summary of my plan: 

1. I have deployed HKD 800k into AUD-Hedged high yield bond fund last Friday; Does this still make sense? Or have I screwed up? (e.g. It’s said that money will be pouring into stocks from bonds globally) 

2. HKD 300k cash (this is my emergency fund) 

3. HKD 200k Stocks; aim to get more big chips as their price drop; will to get more Bank of China 3988 coz of its high dividend rate 

4. HKD 200k CNY; currently this is in China for 3~5% interest rate p.a.; I can liquidate this money within a week by dealing with my parent’s high net worth friends. If you know how to achieve around the same rate in Hong Kong (preferably HSBC, then that will be great…) 

5. HKD 100k Other currencies and gold 

Questions: 

1. Does this plan above make sense? My goal is to get another property for rental income around September (because 1. Hope by then the market will have a clearer direction; 2. the initial investment for and the dividend from my AUD-High Yield Bond Fund will be leveled; 3. My property can be sold without extra tax rate. 
  
2. Is there other alternatives/ adjustments that I should be aware of? 
3. Can you give me some advice regarding my career development? Before reading your blog, have been considering working Saturday at a small-time realty agent to learn more about the way realty market works. In your category for Specialist-Generalist, I see myself am a modern slave, working as a management consultant in my second year in big 4. Our pay per month is set to follow this path (11k in first year, 20k, 30k,… adds 10k per year… I have been fast tracked to the third year line in my second year, but still knowing this is just Big 4 (not the top 3 in my industry), I am in a constant fear that I am not living up my full potential…

 

THANKS

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