



LIVE LIFE ON YOUR TERMS:
financial security allows you to pursue your passion
WHY
Financial security allows you to pursue your dreams and live life on your terms
HOW
Compound Interest:
Rule of 72 and doubling your money
WHAT
Stocks have provided highest long-term return (but can be volatile in short term).
Ki$$: Keep It Simple Stupid
Money is only a means to an end. But, financial security can allow you to pursue your dreams and live life on your terms. Unfortunately, while the key investment concepts are very simple, they get lost in the world of 24 hour financial coverage
Our emphasis is on basic concepts, not on math and formulae. WHY more important that HOW and WHAT. Most important concept – compound interest. And impact of money growing over time.​
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My Story
My own investment journey started in my early thirties after the birth of our daughter. In the days of the Asian miracle, I invested in Chinese and Southeast Asian stocks. Soon after, we had the Asian financial crisis of the late 1990s. With both stock markets and currencies down 40 to 50 percent my investment portfolio lost more than 70 percent. It was simple—my daughter was not going to university!
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KISSfin is based on my self-journey (which did allow my daughter to attend her dream school!). More about learning from my mistakes (than learning from my success!).
Money Isn’t Everything,
but Everything Needs Money
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Give a man a fish, and you feed him for a day. Teach a man to fish, and you feed him for a lifetime. — Old proverb
Compound Interest: He Who Understands It Earns It; He Who Doesn’t Pays It
Your basic investment goal should be to convert earned income to portfolio or passive income - Robert Kiyosaki
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As companies have annual budgets and profit target—so must individuals have annual savings goals. — Charles D. Ellis
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It’s Not What You Earn; It’s What You Save:
Pay Yourself First
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Saving Is Different from Investing;
Investing Is Different from Speculation.
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Disciplined Investment
Education
The poor work for their money. The rich have (their) money work for them. — Robert Kiyosaki
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95% of everything you hear or read (in the financial press/ media) is crap - Burton Malkiel
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Investing is not entertainment. It is a responsibility. It is not supposed to be fun or interesting, but a continuous process — Charles D. Ellis
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The two greatest enemies of the equity fund investor are expenses and emotions — John C. Bogle
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Buy Stocks as You Buy Socks (Both Quality and Price Are Important) - Jason Zweig
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Investing is simple, but it’s not easy — Warren Buffet
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Do Not Equate Simplicity with Stupidity - John C. Bogle