If you ask some investors out there about how much return they wish to get every year in investing, you will hear some responses which tell you that they would like to get more than 24 % per annual return. Some might even say they can or hope to achieve 50 or even 100% annual return. I am sure that only a few would say they are satisfy with an annual return of around 10 %. And how about you who are reading this now?

We all know that some great investor like Warren Buffet manage to get an annual return of about 24 % per year. This 24% annual return is the average annual return for a long time. This is one of the best record that one can achieve in this world. There is one people in wall street which manage to get an annual return of more than 30%, which is higher than Warren Buffet, however, if you calculate his average return for 20 years or up to 40 years, you will find out that actually he didn't even surpass Warren Buffet record. So as an ordinary person, what makes you think that you can do better than Warren Buffet or other great investors out there ?

Lets have a look at an annual return of 24%. If you have 100k at the age of 20 years old and you manage to maintain an annual return of 24% over 40 years, When you are at the age of 60 years old, you will have about 545,591,262. This is about 50 million. If i manage to do that , i will be quite satisfy already. I might also become Malaysia top richest guy. Good enough for me.

However, some people out there still can not understand this simple story. They want about 50% or even 100% of annual return. If we start with 100k, with 50% annual return in 40 years , we will get 70 000 000 000 ( 70 billion). You will become another world richest guy. Since Malaysia has so many investors who claim that they wish or they can do it, after 40 years from now, I think Malaysia might top the world richest list!! Funny?

At this moment, if you surf internet and find some investment classes in Malaysia, you will find out that some of the persons who offer the investment course claim that they are able to triple your profit in 1 years time, and what you need to do is just to attend their course for three days. Just in 3 days and you can earn several thousands or several hundreds thousand? If this is true, there will be no more poor people in this world. And if this is true also, we will have many new world richest guy. Might be there are a few manage to get 300% annual return, but it can only be done in a bull market, and they are going to lose all those money in the bear market.

Most of the people offering investment course are just another normal person like us who are trying to earn more. If they are so successful in investment, why still they want to offer such course? They will be busy and famous like Warren Buffet and have no time to entertain you. What I am trying to say is, never 100% believe in what you hear from those bull shit offering investment course. Some of them have many phD which you won't find the university offering the phD when you google it.

Lastly, I have a question for you, do you know phD stands for what?
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