VI Bootcamp 中⽂特别版

第1天
 第1堂
课堂文化 & 财务管理
CONTEXTUALIZATION &
MONEY MANAGEMENT

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我的成功宣言
My Wealth Success Declarations

我是富足之源

我目标明确，为人正直

我重视自己的价值

我为社会创造价值

我获得光明的财富

我善于把握双赢的投资机会

我相信诚信和责任的力量

我坚信持续学习是成功的必由之路

我学习，我成功，我快乐

我是最明智的投资者

举手击掌：HUAT AH！

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 “风险来自于你不知道
自己在做些什么“
- 沃伦·巴菲特 -

“Risk come from not knowing

what you’re doing.”
- Warren Buffett -

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请在下一页写下:
1. 您此次参加“价值投资智慧”的目的是什么？
Why are you here in the Value Investing Bootcamp?

2. 您希望从此课程中得到什么？
What would you like to get from this experience?

3. 促使您成功投资的障碍是什么？
What are your barriers to investment success?

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1. 守时
(Punctuality)

2. 负面用语：我试试、我不行、或许、不可以，
等等。
(Negative Words: Try, I Can’t, Maybe, Cannot, Etc.)

3. 发出声响的电子设备
(Electronic Device that Beeps)

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 3个简单的步骤 - 百万元策略
3 Simple Steps
Strategy for Million Dollar Net Worth

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 步骤1
了解⾃⼰的魔法公式

Step 1
Knowing Your Magic Formula

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 第⼀步 Step 1
计算为你带来百万资产的
魔法公式
Calculating the Magic Formula
For Achieving Your
Million Dollar Net Worth

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VI 财务计算器
VI Financial Calculator

1. 打开VI App Open VI App

2. 单击菜单选项 Click the Menu tab
3. 点击财务计算器 Click Financial Calculator
1.打开VI App

算 器
务计
3.财

选项
菜单
击
2.单

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VI 财务计算器
VI Financial Calculator

• 间距 Period Length Ø周期间距 Interval

• 复利/年 Compound/Year Ø每年复利次数 No. of Times
Compounded per Year
Ø目前的存款 Current Savings/
• 现值 Present Value
Investment Amount
• 终值 Future Value Ø你的财务目标 Your Financial
Target
• 利率 Interest Rate % Ø复利率 Rate of Compounding
• 周期数 Number of periods Ø年周期数 Total Periods Length

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VI 财务计算器
1. 计算支付 (1. Solve for Payment)

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VI 财务计算器
2. 预先被设定为End (2. Pre-set at End)

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VI 财务计算器
3. 周期 = 180 (15年 x 12月) (3. Number of periods = 180 (15
years x 12 mths))

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VI 财务计算器
4. 周期间距 = Month (4. Period Length: Month)

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VI 财务计算器
5. 现值 = -50,000 (5. Present Value = -50,000)

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VI 财务计算器
6. 终值 = 1,000,000 (6. Future Value = 1,000,000)

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VI 财务计算器
7. 复利／年 = 1 (7. Compound/Year = 1)

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VI 财务计算器
8. 利率(%) = 20 (8. Interest Rate (%) = 20)

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行动计划 1
Action Plan 1

计算实现⾃⼰的百万元魔法公式

Calculating Your Magic Number for

Achieving Your Million Dollar Net Worth

答案：每⽉__________
Answer: __________ Monthly

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 步骤 2
增加⾃⼰的现⾦流

Step 2
Increasing Your Cash Flow

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步骤二 Step 2

增加你的现金流
Increasing Your Cash Flow

原有收入来源 Existing Income Streams

新的收入来源 New Income Streams

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行动计划 2
Action Plan 2

您的每⽉现有收入: __________
Your Existing Income Monthly: __________

创造每⽉新收入 : __________
Creating New Income Monthly: __________

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 步骤 3
减少开销

Step 3
Decreasing Your Expenses

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步骤三 Step 3
A. 你目前的开销结构
Your Present Expense Structure
• 收集所有开销的收据，追踪现金流
Collect Receipts for All Expense and Track the Cash Flow

• 找出你的重大开销，以及不知不觉流失的小钱
Identify Major Expenses and “The Little That Got Away”

• 实行“截断开销法”
Apply the Expense Buster Method (EBM)

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追踪开销的App
Expense Apps

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步骤三：截断开销法
Step 3: Expense Buster Method

例子一：星巴克咖啡（一杯RM15）
Example 1: Starbucks Coffee (RM15 Per Cup)

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步骤三：截断开销法 (Step 3: Expense Buster Method)

例子一：星巴克咖啡（每日一杯RM15）
Example 1: Starbucks Coffee (RM15 Per Cup Daily)

解： 终值 Solve for: Future Valu

支付于：期末 Payment at: End

周期数: 180 (15 年 x 12 月) Number of periods: (180 (15 years x 12 months))

间隔: 月 Period Length (Interval): Month

支付: 0 Payment: 0

现值 = -15 （先按“-”，再键入数字）Present Value: -15 (Press (-) first, follow-by number))

复利/年: 1 Compound/Year: 1

利率: 20 Interest Rate %: 20

“真实”的花费：一杯 RM231 的星巴克咖啡！ （请把每一滴都舔干净！）

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步骤三：截断开销法
Step 3: Expense Buster Method

例子二：全新的日本汽车（估计RM100,000)
Example 2: Brand New Japanese Car (RM100,000 Est.)

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步骤三：截断开销法 (Step 3: Expense Buster Method)

例子二：全新的日本汽车（估计RM100,000 ）
Example 2: Brand New Japanese Car (RM100,000 Est.)

解： 终值 Solve for: Future Value

支付于：期末 Payment at: End

周期数: 180 (15 年 x 12 月) Number of periods: (180 (15 years x 12 months))

间隔: 月 Period Length (Interval): Month

支付: 0 Payment: 0

现值 = -100000（先按“-”，再键入数字）Present Value: -100000 (Press (-) first, follow-by number))

复利/年: 1 Compound/Year: 1

利率: 20 Interest Rate %: 20

“真实”的花费：RM1.54m（这个价格，你可以开一部保时捷！）
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行动计划 3
Action Plan 3

1. 追踪你一个月当中的所有开销
Track All Your Expenses for 1 Month

2. 找出你的重大开销，以及不知不觉流失的小錢
Identify and List Down Major Expenses and “The Little That Got Away”

3. 用“截断开销法”算一算，你选择消费还是投资？
Apply Expense Buster Method on Expenses Items vs. Investing Them

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 个⼈财务管理
Personal Money
Management Skills

三⼤关键
3 Keys

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关键一：
Key 1:

先支付自己
Pay Yourself First
关键一：先支付自己
Key 1: Pay Yourself First

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关键一：先支付自己
Key 1: Pay Yourself First

1. 如何“先⽀付⾃⼰”？
How can you “Pay Yourself First”?

• 预留收入的固定比例（至少10%），放入一个“只进不出”的帐户
Set aside a fixed percentage (min 10%) to an “Untouchable Account”

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关键一：先支付自己
Key 1: Pay Yourself First

2. “HI-LO帐户”策略
The HI-LO Bank Accounts Strategy

提示 Tip
让自己“碰不着”资产帐
户里的钱
Make your Asset Account “less
accessible” to you

资产帐户（70%） 开支帐户（30%）
Asset Account (70%) Expense Account (30%)
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关键一：先支付自己
Key 1: Pay Yourself First

经验法则（开始投资前的先决条件）：
Rules of Thumb (before you Earn Your Right to Invest):

A. 3个月的收入
3 Months of Monthly Income

或 (OR)

B. 6个月的开销
6 Months of Your Monthly Expenses

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关键二:
Key 2:

保障
Protection
关键二：保障
Key 2: Protection

A. 了解你的财务规划师的利益
Understanding the Interest of Your Financial Planner

B. 买保险是为了保障（例如住院医疗与意外保险），而非为了投资或
财富增长
Use Insurance for Protection such as Hospitalisation and Accident Coverage,
NOT for Investment or Growth

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行动计划 4
Action Plan 4

找出在发生健康和意外事故时需要多少保障？
Find out how much you need for Protection in case of Health and
Accident Crisis?

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关键三：
Key 3:

教育
Education
关键三：教育
Key 3: Education

自我投资的重要性：
The Importance of Investing in Yourself

• 复利增长效应
Compounded Growth Effect

• 自我发展
Self Development

• 探索不同的教育途径与模式，让自己达到最佳的成就。
Explore Different Educational Routes and Models to achieve the Best Results
for Yourself

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股票市场是什么？
WHAT IS THE STOCK MARKET？
股票市场是什么？
What is the stock market?
股票市场是投资者买卖股票的地方，这些股票是上市企
业的拥有权
The stock market is where investors connect to buy and sell stocks
which are shares of ownership in a public company

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股票市场是什么？
What is the stock market?

“股票市场是让一个有知识和技能的人从
没有知识和技能的人那里赚钱的地方。”

“The stock market is a place where people with

knowledge and skills make money from people
without them.”

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什么是证券交易所？
What is the stock exchange?
证券交易所是一个股票买卖集中的场所，投资者可以买
卖在该国上市的企业的股票。
A stock exchange is a centralized location where investors
can buy and sell stocks of companies listed in that country.

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谁参与股市中？
Who participate in the stock market?

基金和机构 Funds and Institutions:

公积金 Employee Provident Funds
朝圣基金 Lembaga Tabung Haji
国库控股 Khazanah

散户投资者 Retail Investors:

价值投资者 Value Investors
短线操作者 Traders
赌徒 Gamblers

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如何购买股票？
How to buy shares?

马来西亚的股票经纪 Brokerage Account in Malaysia:

• Maybank
• Kenanga
• Hong Leong Bank
• TA Securities
• CIMB Bank
• RHB Bank • Affin Hwang

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股票投资词汇表
STOCK INVESTMENT GLOSSARY

市值：企业流通股的总市值。
Market Capitalization: This is the total dollar market value of a company's outstanding shares
of stock.

已发行股份总数：已发行股份总额是指企业目前在股票市场上拥有的总股数。
Total Shares Outstanding: Total shares outstanding refers to the company’s total number of
shares in the market that investors currently own.

股价：购买企业一股所需付出的成本。
Share Price: It is the amount it would cost to buy one share in a company.

投标价格：买方愿意支付的最高价格。
Bid Price: The highest price a buyer will pay for a security.

询问价格：卖方愿意接受的最低价格。
Ask Price: The lowest price a seller will accept for a security.
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股票投资词汇表
STOCK INVESTMENT GLOSSARY

股票分割：股票分割是企业将其现有股份分成多股以提高股票在市场的流动性。
虽然已发行股票数量增加，但总股数的总价值依然保持不变，因为股票分割不
会增加任何实际价值。股票价格则在分割后做相应的调整。
Share Split: A stock split is when a company divides its existing shares into multiple
shares to boost the liquidity of the shares. Although the number of shares
outstanding increases, the total dollar value of the shares remains the same because
the split does not add any real value. Stock price will be adjusted accordingly.

红股：红股是企业用来代替股息，分配给当前股东的额外股份作为一种奖励。
Bonus Issue: Bonus Shares are shares distributed by a company to its current
shareholders as a reward instead of dividends.

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笔记：
Note：

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Reserved by
by 8VI
8VIC Global
Global Pte
Pte LtdLtd
No
No Copy
Copyand
andReproduction
ReproductionAllowed
Allowed
笔记：
Note：

All Rights
All Rights Reserved
Reserved by
by 8VI
8VIC Global
Global Pte
Pte LtdLtd
No
No Copy
Copyand
andReproduction
ReproductionAllowed
Allowed
笔记：
Note：

All Rights
All Rights Reserved
Reserved by
by 8VI
8VIC Global
Global Pte
Pte LtdLtd
No
No Copy
Copyand
andReproduction
ReproductionAllowed
Allowed