Hopeful and my way of investment

So far, recently I finally had a reply from my job hunting. Still in the process and heading to the second stage. This mean, that my capability as a graphic designer is not that bad. It gave me a slight hope that I believe, language is not a barrier and if you are capable and hardworking, you can do it. It is just a matter of time. So, in between the time, I need to tell myself that I have to save. I have to keep my eye in some good investment to come and give myself a good understanding of interest earning. I found out a year ago about TRADING 212. I know, trading through an app, isn’t it risky? Of course it is, but you need to be smart enough to check their eligibility as a trading platform. In order to make sure they are, you can head to this website call Financial Conduct Authority, FCA if they are register in UK. As for Trading 212, they are register in 3 financial regulators. First as I mentioned is call FCA, the second, they are register in Cyprus Securities and Exchange Commission, CySEC and lastly, Financial Supervision Commission in Bulgaria. Ok, you might think that why in countries such as Bulgaria and Cyprus, this part I do not get it yet. But I guess is because it is to make sure their platform can reach in some certain area throughout the EU. But despite that, what can these regulators do? They provide some security if the trading platform goes default. Or to put it simple term, bankrupt. It is like an insurance policy, if this happen, some certain or all the money that you invested may be able to be retrieved back. I wrote, maybe, because insurance policy can be tricky and it may takes time if the trading agency really goes default. Anyway, my point here is not about getting the money back when it happens but it is about the safety trading platform.

Another good point of using this app is, you can buy partially for each shares. This mean, you do not have to pay the full value. For example, if the share price is $100, and you only have $50, you can still buy the share but the value of the share is only 1/2. How they are able to do so? They achieve this by a collective funds from each clients. Another things is, they do not take commission. They only take the transaction charges. I don’t remember the amount of charges, but it is minimal, like a few cents. So if you make a profit, they will not take percentage out of it, but each time you buy and sell, there are charges.

This is a good app because most trading apps are Contract For Differences, CFD. I tried that and I get burned very fast! CFD is a lend shares. So they charged you overnight fees instead of any commission or transaction fees. This is really bad if you are like me, prefer to keep the share till a certain price only sells it. If you are really good at betting, then CFD is really good for you, because CFD, you can bet up or down. For example, if you think the share share price is going up for the next week, you can buy now and sells it when it goes up. So, the profit you make is coming in a short term. If the price goes up like $30, you buy the full share value, you will get $30 + your initial share price value. If it goes up in 1 week, you need to minus the overnight fee, which is roughly $0.10, you will get profit of $29.30. See, you might think this is a small amount and how you can make money out of it? How can a share price fluctuate this much? Frankly speaking, if you buy bulk and each time you buy and sell frequently, definitely you can make a lot of money out of it. And yes, some shares do fluctuate that much. See Tesla for example, within a week, the share price can goes up or down $50. Furthermore, you are able to bet if the share is going down. So, your profit is the difference in the price you buy and sell. Anyway, I’m not good at betting, I got burned because of the overnight fees. I think I pay more that I hope they actually giving me any profit. And I’m very lazy to check the apps all the time. So, if you can monitor your trading all the time, give it a try. The app I used is call Capital, they are trust worthy app but I didn’t fully read their policy.

Again, I’m not an expert, but I like to buy because of the dividend. I don’t buy when I do not have extra cash for my necessity. I make it as a saving investment, because they give dividend or some part I believe the share price has its stability throughout the decade. For example, McDonalds has been there for more than 50 years since they went IPO and such established companies are unlikely to face defaults. See what I mean, I might lose or win through the share price difference, but I have time. Your money will not move if you put in the bank. Seriously, EU bank sucks. Their monthly charges are high and they did not give any interest at all. Back in Malaysia, the monthly charges are so minimal and interest too, but at least they have interest! Here they charge €6! Seriously!! More charges with card usage in different country! I’m going broke just putting money in my saving account. Anyway, lets get back to dividend. I buy shares that gives out dividend. Like Johnson & Johnson, Vanguard S&P 500 and recently I just bought Mastercard. The payout usually in quarterly and it depends how much share you own. Some dividends can go as high as 6%, like the recent dividend from Mastercard. The best part is, full value of 1 share for Mastercard is around $400+, I can buy partially and I still get the dividend, with my partial value percentage.

Oh my, I should be talking about design, but instead I talk about investment. Anyway, if any of you want to do trading and decided to give it a try through this app, please do so through the link here, so we both can get free shares worth up to €100? Trading 212 - 19 days left for the link to be valid.