RM1,000,000是梦吗？RM1,000,000 is a dream?

从RM10，000到RM1，000，000是梦吗？可能吗？
答案：绝对不是 ，绝对可能。

从以上图表，能让我们明确的知道，只要我们能够让RM10，000的投资组合以每年10%的增长率不断倍增，50年以后我们将达到RM1，000，000的目标。若我们更有投资经验，能够让RM10，000的投资组合以每年15%的增长率倍增，大约34年后我们将达到RM1，000，000的目标。若我们能找到拥有优良业绩及稳定增长的股项组合，能为我们带来平均每年20%的增长，大约26年后，我们将达到RM1，000，000的目标。那当然如果我们能向巴菲特先生那样，能达到25%以上的增长话，我们将在少过22年达到RM1，000，000的目标。

那如果选择把钱放入定期存款，以每年4%的增长，我想应该到了80岁也未必达到RM1，000，00的目标。因为我们还必须除去通膨的侵蚀。这也是为什么我以10%的计算作为底线。那当然，如果我们能投入比RM10，000更多的本金进行有效投资的话，我们将更早达到RM1，000，000的目标。

所以选择能优质公司，进行投资是非常重要。它必须能在经济风暴时保障我们的本金，而且必须确保我们的投资能增长，以对抗通膨的侵蚀。股票投资有一定的风险，我们也很难预测经济风暴几时降临，所以只有选择优质股才能保障我们的本金。

那有人会问，真的那么容易吗？我曾经研究过，30年将RM10，000投入Maybank的股票，30年后经过4个严重的经济风暴的今天，他的价值是超过RM1，000，000。由此可见，说容易，的确称得上容易，但对某些人来说也不简单，因为要在30年内，遇到多个经济风暴都能忍耐，不将它卖掉。这也是成为基本投资者的挑战。

终结：总的来说在投资学里，时间就是金钱，让我们现在就开始吧！

English Version:

From RM10,000 to RM1,000,000 is a dream? Is it possible?
The answer: Absolutely not a dream. Absolutely possible.

From the table above, we realize that as long as we can achieve a 10% return per year from our RM10,000 investment combination, after 50 years, we can get RM1,000,000 returns. If we are experience investors, we can make sure our RM10,000 investment combination in average generate 15% of return every year, around 34 years, we can achieve our RM1,000,000 target. If we can find some potential and stable growing companies as our investment combination, which can bring in average 20% growth per year, around 26 years, we can achieve our RM1,000,000 target. Of course if we can achieve 25% or above growth for our RM10,000 investment combination like what Mr.Warrent Buffet achieved, we can get RM1,000,000 less than 22 years.

But if we choose to put our RM10,000 into bank as an fixed deposit, with 4% interest of increment per year, I think we cannot get RM1,000,000 even though we are already 80 years old. It is because we have to calculate in the inflation rate that will affect our return as well. That is also the reason why I choose 10% as a basic of calculation. But of course, if we can increase our capital for investment let says RM20,000 or RM50,000, we can get our target of RM1,000,000 early.

As a result, choose a great and stable company as our investment is a must. It have to make our capital is save during economy recession, and have to make sure our investment will growth, in order to against inflation rate. Stock investment have certain risk, it is hard for us to predict when the economy recession will arrive, so only choose great companies as an investment can safeguard our capital.

Someone will be asking, is it too easy? I have done a study, if 30 years ago, someone invested RM10,000 into a stock called Maybank, after 30 years, passed through 4 serious economy recessions, his earnings exceeded RM1,000,000. So, is it easy? Can say so, but for someone else is not as easy. This is because, in the 30 years, we have to be patience and did not sold the stock even faced 4 serious recessions. This is also a main challenge to become a fundamental investor.

As conclusion: In the investment world, time is money, let us start now, achieve our financial freedom early!