Friday, December 20, 2019
Thursday, December 19, 2019
电话骗局 PHONE SCAM
Dear Customer,
Scammers can find creative ways to pose as bank or enforcement officials, and cheat you into revealing personal banking information.
Beware when you receive calls / messages that tell you of such:
• You have outstanding payments for a credit facility that you never applied for;
• There are criminal charges against you and you are summoned to court for offences that you did not commit;
• We will record your police statement over the phone;
• You must transfer your money to an unknown account for investigation / safeguarding; and
• You must not share this incident with the bank or family members until the investigation is finished, or end up losing all the monies.
Check your transaction alerts and history regularly for any suspicious activity. Should you encounter the above, please do not hesitate to report it to us via our Call Centre at 03-7626 8899.
Scammers can find creative ways to pose as bank or enforcement officials, and cheat you into revealing personal banking information.
Beware when you receive calls / messages that tell you of such:
• You have outstanding payments for a credit facility that you never applied for;
• There are criminal charges against you and you are summoned to court for offences that you did not commit;
• We will record your police statement over the phone;
• You must transfer your money to an unknown account for investigation / safeguarding; and
• You must not share this incident with the bank or family members until the investigation is finished, or end up losing all the monies.
Check your transaction alerts and history regularly for any suspicious activity. Should you encounter the above, please do not hesitate to report it to us via our Call Centre at 03-7626 8899.
Sunday, November 24, 2019
OK: 不法分子要欺骗BOOST 用户， 发短讯通知中奖RM8888,。。。。。。大家要小心。。BOOST ...
OK: 不法分子要欺骗BOOST 用户， 发短讯通知中奖RM8888,。。。。。。大家要小心。。BOOST ...: Lambert (Boost) Nov 25, 10:01 +08 Hi there, Thank you for reaching out to Boost. We would never communicate via WhatsApp/SMS...
Thursday, November 21, 2019
不要乱买ETF，。。。。。。。。不是某个ETF。。。都安全。。。。
20191121編按：數萬名投資人持有的富邦VIX（00677U），近日股價劇烈波動，投資人恐慌性大舉殺出，溢價一度飆破三成，據最新估計，富邦VIX淨值已逼近3元大關，恐怕不久會觸及2元的下市門檻。本文為股海老牛於今年7月14日撰文，提醒投資人買進VIX ETF的相關風險。
風險是來自於你不知道你在做什麼
台灣券商所推出的ETF在短短幾年中已經將近150種，許多的ETF已經從名稱上看不出來是投資什麼標的。更由於台灣50(0050)及高股息(0056)的盛名，大家以為ETF都是「永遠不會倒、越跌越買、本多終勝」，可能在這個不正確的觀念下，其瘋狂程度造就出我們今天的主角「富邦VIX (00677U)」。
希望大家能多花3分鐘來認識這項ETF商品，記得投資是為了避開風險、而不是把自己暴露在風險下！也拜託大家多多分享出去哦～
註：感謝PTT zeko所整理的「[請益] 富邦VIX會倒多少人」及相關推文，本文內的資訊大多從其而來，老牛從其吸收歸納彙整而分享
富邦VIX(00677U)簡介
表：富邦VIX(00677U)簡介（老牛整理）
富邦網頁上的VIX介紹說他是「追蹤波動率期貨指數的指數股票型期貨信託基金」（這20個字分開看的懂，但合起來就看不懂）。
簡單來說，美國恐慌指數（VIX）對應的標的是美股標普500 (S&P 500)，美股下跌造成投資人恐慌，VIX指數就上漲；不過美股上漲，VIX指數就下跌。不過富邦VIX是透過買賣期貨的方式來追蹤美國的VIX指數，因每日進行轉倉調整持有部位，所以會產生高額的轉倉費用。
前一次介紹的《萬點之上不該做的「避險」兩件事》中就提到ETF的內扣費用會每天從淨值自動扣除，所以要知道富邦VIX除了要被扣除1.14%的內扣費用（經理費+管理費）外，投資人還得另外負擔轉倉費用，實在是划不來。
申購前應詳閱「公開說明書」
老牛從富邦VIX的基金投資報告中整理3個重點：
1. 正價差特性：富邦VIX屬於期貨信託基金，有著與一般現貨ETF截然不同的「正價差成本」。依據報告上記載其正價差至少有10到20%，也就是說常常是會買貴了，因此絕對不適合攤低，長期持有更將侵蝕買方的投資報酬。
2. 折溢價風險：許多人把它當成股票來看，以為5元很便宜就狂買，把它買到比基金淨值高出6%之多，這也算是世界奇觀。買進前記得注意目前淨值（富邦VIX淨值查詢），評估溢價發生時的買貴風險。（註：溢價指的是現在市價較基金淨值高，也就是買高了；折價則是相反）
3. 無漲跌幅限制：VIX不像股票只有10%漲跌幅，目前並沒有漲跌幅限制。高波動率也就是說心臟要非常大顆，在2018年2月6日因為股災而出現57%的漲幅！多頭市場的特性是緩漲急跌，不知道股災哪天來的話，還是別去買的好。
綜合簡介及以上三個重點，建議投資人買VIX 以短線交易為主、且不適合長期持有、逢低攤平的操作策略。但即便是這樣講，老牛還是不建議大家買進，不但沒避險功能只是徒然增加投資風險罷了。在這裡也提供富邦VIX公開說明書給各位參考～
媽祖託夢說千萬別抱緊VIX
金融市場大部分的時間都在進行區間整理（小幅上漲下跌），這個時候富邦VIX就會因為漲跌幅不明顯，使得基金淨值被相關成本（轉倉或內扣費用）扣掉，也就是市場平靜的時候被慢慢扣血條；而市場大漲時就是賠錢的份，只剩下市場出現短時間的暴跌的時候，你才會賺錢。
例如:在2018年2月6日富邦VIX從6.34元噴發到 9.95元，一天就賺57%；10月11日也出現24%漲幅，但倘若你持有到現在你還是虧錢的份。
很多事情拉遠就變得清楚無比，所以來看富邦VIX的價格走勢吧！發行不到三年，因美股一路走高，故其股價腰斬再腰斬，從20元跌到現在僅剩5元。
富邦VIX(00677U)股價走勢圖（資料來源:XQ全球贏家）
ETF不會倒的大絕招是…合體
而大家所認為的「ETF不會倒」其觀念只對了一半，但重點卻是在錯誤的那一半。做多的股票最多股價變成0元，但如果市場上漲100%，不過VIX並不會變0元。秘訣就跟漫畫《七龍珠》的合體術一樣，資產管理公司會透過合併的方式，例如將5股合併1股，使得每股淨值提高，股價會跳升成5倍，投資人（賭客）就能夠繼續玩下去，莊家也能繼續收錢。
來看美股VIX(代號:VIXY)就是這樣玩的。但VIXY長期的走勢圖長這樣，這已經不能稱呼是腰斬了，看了真的只能說是賣鬧啊～（價格從2012年的10000元以上，變成現在2019年只剩20元左右）
美股ETF VIXY股價走勢圖（資料來源:ETF.com）
資料來源： XQ全球贏家/PTT/富邦/ETF.com
老牛總結
★「風險是來自於你不知道你在做什麼」，現在ETF包裝的非常精美，使得投資人不清楚到底是買什麼？不要因為富邦VIX在歷史低點、更別因為股價才5元進場買進。更別開融資買VIX，槓桿風險加倍，畢業出場的機率比87%更高！
★ETF不是「永遠不會倒、越跌越買、本多終勝」，最後大絕招是多張合併成一張以提高每股淨值，所以你也不要以為富邦VIX或台灣50反(00632R)哪一天不會用上同一招哦！
★別買富邦VIX，不過這檔ETF是富邦投信發行的，無論漲跌經理費、保管費、手續費富邦投信躺著賺（母公司富邦金(2881)也躺著賺），建議大家別去拼「放空」或買「反向ETF」，而是要買「莊家概念股」！！！
★避險是在充分理解所投資的金融商品，在一知半解下很容易被當羊宰。所以寧願當牛也別當羊啊...(咦?!XD)
***免責聲明：本文所提之個股內容僅供參考，不具投資建議，投資前應審慎評估風險，且自負盈虧***
本文由股海老牛授權轉載，原文刊於PressPlay
延伸閱讀：
SIGNATURE
Quarterly rpt on consolidated results for the financial period ended 30 Sep 2019
| SIGNATURE INTERNATIONAL BERHAD |
| Financial Year End | 30 Jun 2020 |
| Quarter | 1 Qtr |
| Quarterly report for the financial period ended | 30 Sep 2019 |
| The figures | have not been audited |
- Default Currency
- Other Currency
Currency: Malaysian Ringgit (MYR)
SUMMARY OF KEY FINANCIAL INFORMATION
|
INDIVIDUAL PERIOD
|
CUMULATIVE PERIOD
| ||||
CURRENT YEAR QUARTER
|
PRECEDING YEAR
CORRESPONDING QUARTER |
CURRENT YEAR TO DATE
|
PRECEDING YEAR
CORRESPONDING PERIOD | ||
30 Sep 2019
|
30 Sep 2018
|
30 Sep 2019
|
30 Sep 2018
| ||
$$'000
|
$$'000
|
$$'000
|
$$'000
| ||
| 1 | Revenue |
24,391
|
40,745
|
24,391
|
40,745
|
| 2 | Profit/(loss) before tax |
-623
|
2,064
|
-623
|
2,064
|
| 3 | Profit/(loss) for the period |
-950
|
1,353
|
-950
|
1,353
|
| 4 | Profit/(loss) attributable to ordinary equity holders of the parent |
-1,201
|
1,296
|
-1,201
|
1,296
|
| 5 | Basic earnings/(loss) per share (Subunit) |
-0.50
|
0.60
|
-0.50
|
0.60
|
| 6 | Proposed/Declared dividend per share (Subunit) |
0.00
|
0.00
|
0.00
|
0.00
|
AS AT END OF CURRENT QUARTER
|
AS AT PRECEDING FINANCIAL YEAR END
| ||||
| 7 | Net assets per share attributable to ordinary equity holders of the parent ($$) |
0.7500
|
0.7500
| ||
Definition of Subunit:
In a currency system, there is usually a main unit (base) and subunit that is a fraction amount of the main unit.
Example for the subunit as follows:
Example for the subunit as follows:
| Country | Base Unit | Subunit |
| Malaysia | Ringgit | Sen |
| United States | Dollar | Cent |
| United Kingdom | Pound | Pence |
Announcement Info
| Company Name | SIGNATURE INTERNATIONAL BERHAD |
| Stock Name | SIGN |
| Date Announced | 21 Nov 2019 |
| Category | Financial Results |
| Reference Number | FRA-20112019-00020 |
WCT
Quarterly rpt on consolidated results for the financial period ended 30 Sep 2019
| WCT HOLDINGS BERHAD |
| Financial Year End | 31 Dec 2019 |
| Quarter | 3 Qtr |
| Quarterly report for the financial period ended | 30 Sep 2019 |
| The figures | have not been audited |
- Default Currency
- Other Currency
Currency: Malaysian Ringgit (MYR)
SUMMARY OF KEY FINANCIAL INFORMATION
|
INDIVIDUAL PERIOD
|
CUMULATIVE PERIOD
| ||||
CURRENT YEAR QUARTER
|
PRECEDING YEAR
CORRESPONDING QUARTER |
CURRENT YEAR TO DATE
|
PRECEDING YEAR
CORRESPONDING PERIOD | ||
30 Sep 2019
|
30 Sep 2018
|
30 Sep 2019
|
30 Sep 2018
| ||
$$'000
|
$$'000
|
$$'000
|
$$'000
| ||
| 1 | Revenue |
368,272
|
385,779
|
1,333,028
|
1,595,471
|
| 2 | Profit/(loss) before tax |
11,401
|
30,377
|
109,587
|
148,410
|
| 3 | Profit/(loss) for the period |
11,586
|
21,665
|
71,894
|
98,999
|
| 4 | Profit/(loss) attributable to ordinary equity holders of the parent |
13,325
|
24,804
|
76,345
|
104,320
|
| 5 | Basic earnings/(loss) per share (Subunit) |
0.95
|
1.79
|
5.48
|
7.44
|
| 6 | Proposed/Declared dividend per share (Subunit) |
0.00
|
0.00
|
0.00
|
0.00
|
AS AT END OF CURRENT QUARTER
|
AS AT PRECEDING FINANCIAL YEAR END
| ||||
| 7 | Net assets per share attributable to ordinary equity holders of the parent ($$) |
2.3000
|
2.2500
| ||
Definition of Subunit:
In a currency system, there is usually a main unit (base) and subunit that is a fraction amount of the main unit.
Example for the subunit as follows:
Example for the subunit as follows:
| Country | Base Unit | Subunit |
| Malaysia | Ringgit | Sen |
| United States | Dollar | Cent |
| United Kingdom | Pound | Pence |
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