0003: 281 @ $7.06 = $1983.86
0066: 49 @ $30.36 = $1487.64
0823: 43 @ $34.50 = $1483.50
1038: 18 @ $52.90 = $952.20
1997: 40 @ $24.30 = $972.00
2588: 13 @ $72.80 = $946.40
2778: 452 @ $2.20 = $994.40
==================================================
股息投資：
0003: 141 @ $7.06 = $995.46
2025年12月16日星期二
2025年11月18日星期二
2025年11月14日星期五
月供股票 CLXXI + 股息投資
0003: 263 @ $7.55 = $1985.65
0066: 49 @ $30.02 = $1470.98
0823: 36 @ $41.42 = $1491.12
1038: 18 @ $53.45 = $962.10
1997: 41 @ $24.18 = $991.38
2588: 13 @ $72.40 = $941.20
2778: 448 @ $2.22 = $994.56
==================================================
股息投資：
0003: 132 @ $7.55 = $996.60
0066: 49 @ $30.02 = $1470.98
0823: 36 @ $41.42 = $1491.12
1038: 18 @ $53.45 = $962.10
1997: 41 @ $24.18 = $991.38
2588: 13 @ $72.40 = $941.20
2778: 448 @ $2.22 = $994.56
==================================================
股息投資：
0003: 132 @ $7.55 = $996.60
2025年10月16日星期四
月供股票 CLXX + 股息投資
0003: 288 @ $6.90 = $1987.20
0066: 56 @ $26.52 = $1485.12
0823: 36 @ $40.36 = $1452.96
1038: 19 @ $51.40 = $976.60
1997: 44 @ $22.36 = $983.84
2588: 14 @ $69.20 = $968.80
2778: 473 @ $2.10 = $993.30
==================================================
股息投資：
0003: 144 @ $6.90 = $993.60
0066: 56 @ $26.52 = $1485.12
0823: 36 @ $40.36 = $1452.96
1038: 19 @ $51.40 = $976.60
1997: 44 @ $22.36 = $983.84
2588: 14 @ $69.20 = $968.80
2778: 473 @ $2.10 = $993.30
==================================================
股息投資：
0003: 144 @ $6.90 = $993.60
2025年10月11日星期六
2025年10月2日星期四
2025年9月19日星期五
2025年9月17日星期三
2025年9月15日星期一
DIV.01997 九置派息
新鮮人手上有兩種 1997 九龍倉置業嘅股票
一種係由 0004 九龍倉集團以實物分派方式派發，另一種就係由頭月供返嚟
新鮮人係將呢兩種唔同來源嘅九置股票分開入帳嘅
參見：實物分派的迷思：0004 九倉、1097 有線、1997 九置
#1997 (實物分派方式派發)：
1860 @ $0.66 = $1227.60
1997 (月供)：
3406 @ $0.66 = $2247.96
月供股票 CLXIX + 股息投資
0003: 282 @ $7.04 = $1985.28
0066: 56 @ $26.60 = $1489.60
0823: 35 @ $41.94 = $1467.90
1038: 19 @ $51.80 = $984.20
1997: 42 @ $23.62 = $992.04
2588: 14 @ $71.00 = $994.00
2778: 452 @ $2.20 = $994.40
==================================================
股息投資：
0003: 142 @ $7.04 = $999.68
0066: 56 @ $26.60 = $1489.60
0823: 35 @ $41.94 = $1467.90
1038: 19 @ $51.80 = $984.20
1997: 42 @ $23.62 = $992.04
2588: 14 @ $71.00 = $994.00
2778: 452 @ $2.20 = $994.40
==================================================
股息投資：
0003: 142 @ $7.04 = $999.68
2025年9月9日星期二
2025年8月15日星期五
月供股票 年結 XIV
今年好多轉變，最大轉變就係大部份時間都唔係香港，但都繼續供香港股票香港樓香港保險
人在異鄉感覺好抽離、好低賤
種族歧視都見過幾次，搞笑嘅次次都係南亞阿差叫你返去自己國家，真係笑到咀都歪
講返月供股票，整體終於返到家鄉
但十四年嘅光陰永遠都追唔返
| 股票代號 | 股數 | 平均買入價 | 成本 | 派息 | 股息投資 | 沽出 | 買入 | 現價 | 市值 | 利潤 / 虧損 | |
| 0 | 168 | $50.00 | $8,400.00 | -$8,400.00 | |||||||
| 3 | 52669 | $7.24 | $396,346.69 | $102,354.18 | $87,283.97 | $0.00 | $0.00 | $7.13 | $375,529.97 | -$5,746.51 | -1.45% |
| 4 | 1487 | $46.33 | $74,836.90 | $32,107.09 | $21,638.45 | $0.00 | $0.00 | $21.42 | $31,851.54 | $11,190.49 | 14.95% |
| #1097 | 1085 | $0.066 | $71.61 | ||||||||
| #1997 | 1860 | $23.46 | $43,635.60 | ||||||||
| 11 | 131 | $64.14 | $10,998.30 | $8,828.40 | $6,232.60 | $0.00 | $0.00 | $113.40 | $14,855.40 | $6,452.90 | 58.67% |
| 66 | 6331 | $27.66 | $182,956.48 | $15,948.24 | $8,078.95 | $0.00 | $0.00 | $27.44 | $173,722.64 | -$1,364.55 | -0.75% |
| 823 | 3541 | $45.54 | $146,939.61 | $2,665.48 | $2,883.65 | $0.00 | $14,099.80 | $42.12 | $149,146.92 | -$12,110.66 | -8.24% |
| 1038 | 2537 | $40.03 | $121,256.95 | $28,905.09 | $9,213.40 | $0.00 | $0.00 | $53.60 | $135,983.20 | $34,417.94 | 28.38% |
| 1997 | 3406 | $31.55 | $118,467.79 | $15,537.73 | $4,540.70 | $0.00 | $0.00 | $23.46 | $79,904.76 | -$27,566.00 | -23.27% |
| 2588 | 1080 | $53.89 | $66,095.45 | $8,378.70 | $485.10 | $0.00 | $0.00 | $73.85 | $79,758.00 | $21,556.15 | 32.61% |
| 2778 | 26027 | $2.51 | $74,092.15 | $10,185.18 | $1,494.96 | $0.00 | $0.00 | $2.28 | $59,341.56 | -$6,060.37 | -8.18% |
| 3988 | 12427 | $1.00 | $41,510.10 | $21,668.34 | $11,915.86 | $38,658.01 | $19,369.69 | $4.45 | $55,300.15 | $42,830.85 | 103.18% |
| $1,241,900.42 | $246,578.43 | $153,767.64 | $38,658.01 | $33,469.49 | $0.00 | $1,199,101.35 | $55,200.24 | 4.44% |
#1097、#1997 (實物分派方式派發)
參見：實物分派的迷思：0004 九倉、1097 有線、1997 九置
月供股票 CLXVIII + 股息投資
0003: 278 @ $7.15 = $1987.70
0066: 52 @ $28.24 = $1468.48
0823: 33 @ $43.92 = $1449.36
1038: 17 @ $55.75 = $947.75
1997: 41 @ $24.24 = $993.84
2588: 13 @ $72.15 = $937.95
2778: 442 @ $2.25 = $994.50
==================================================
股息投資：
0003: 139 @ $7.15 = $993.85
0066: 52 @ $28.24 = $1468.48
0823: 33 @ $43.92 = $1449.36
1038: 17 @ $55.75 = $947.75
1997: 41 @ $24.24 = $993.84
2588: 13 @ $72.15 = $937.95
2778: 442 @ $2.25 = $994.50
==================================================
股息投資：
0003: 139 @ $7.15 = $993.85
2025年8月8日星期五
DIV.00823 領展派息 以股代息
以股代息價：$42.489
3339 @ $1.3745 = $4589.4555 → 108 股 = $4588.812 (尾數 $0.6435 = 46.82% 每股股息)
26 @ $1.3745 = $35.737 + $0.6435 = $36.3805 (實收 $36.38)
2025年7月14日星期一
月供股票 CLXVII + 股息投資
0003: 296 @ $6.72 = $1989.12
0066: 53 @ $27.70 = $1468.10
0823: 35 @ $42.45 = $1485.75
1038: 19 @ $51.05 = $969.95
1997: 43 @ $22.70 = $976.10
2588: 13 @ $73.05 = $949.65
2778: 446 @ $2.23 = $994.58
==================================================
股息投資：
0003: 148 @ $6.72 = $994.56
0066: 53 @ $27.70 = $1468.10
0823: 35 @ $42.45 = $1485.75
1038: 19 @ $51.05 = $969.95
1997: 43 @ $22.70 = $976.10
2588: 13 @ $73.05 = $949.65
2778: 446 @ $2.23 = $994.58
==================================================
股息投資：
0003: 148 @ $6.72 = $994.56
2025年6月25日星期三
2025年6月24日星期二
2025年6月17日星期二
2025年6月16日星期一
月供股票 CLXVI + 股息投資
0003: 294 @ $6.74 = $1981.56
0066: 53 @ $27.85 = $1476.05
0823: 35 @ $42.15 = $1475.25
1038: 19 @ $51.60 = $980.40
1997: 48 @ $20.60 = $988.80
2588: 15 @ $64.00 = $960.00
2778: 495 @ $2.01 = $994.95
==================================================
股息投資：
0003: 148 @ $6.74 = $997.52
0066: 53 @ $27.85 = $1476.05
0823: 35 @ $42.15 = $1475.25
1038: 19 @ $51.60 = $980.40
1997: 48 @ $20.60 = $988.80
2588: 15 @ $64.00 = $960.00
2778: 495 @ $2.01 = $994.95
==================================================
股息投資：
0003: 148 @ $6.74 = $997.52
2025年6月9日星期一
2025年6月3日星期二
2025年5月26日星期一
2025年5月16日星期五
月供股票 CLXV + 股息投資
0003: 281 @ $7.06 = $1983.86
0066: 54 @ $27.55 = $1487.70
0823: 36 @ $40.90 = $1472.40
1038: 18 @ $52.50 = $945.00
1997: 50 @ $19.64 = $982.00
2588: 16 @ $61.00 = $976.00
2778: 480 @ $2.07 = $993.60
==================================================
股息投資：
0003: 141 @ $7.06 = $995.46
0066: 54 @ $27.55 = $1487.70
0823: 36 @ $40.90 = $1472.40
1038: 18 @ $52.50 = $945.00
1997: 50 @ $19.64 = $982.00
2588: 16 @ $61.00 = $976.00
2778: 480 @ $2.07 = $993.60
==================================================
股息投資：
0003: 141 @ $7.06 = $995.46
2025年4月28日星期一
DIV.01997 九置派息
新鮮人手上有兩種 1997 九龍倉置業嘅股票
一種係由 0004 九龍倉集團以實物分派方式派發，另一種就係由頭月供返嚟
新鮮人係將呢兩種唔同來源嘅九置股票分開入帳嘅
參見：實物分派的迷思：0004 九倉、1097 有線、1997 九置
#1997 (實物分派方式派發)：
1860 @ $0.60 = $1116.00
1997 (月供)：
3166 @ $0.60 = $1899.60
2025年4月15日星期二
月供股票 CLXIV + 股息投資
0003: 302 @ $6.57 = $1984.14
0066: 60 @ $24.50 = $1470.00
0823: 44 @ $33.30 = $1465.20
1038: 20 @ $47.90 = $958.00
1997: 58 @ $17.08 = $990.64
2588: 17 @ $58.40 = $992.80
2778: 529 @ $1.88 = $994.52
==================================================
股息投資：
0003: 152 @ $6.57 = $998.64
0066: 60 @ $24.50 = $1470.00
0823: 44 @ $33.30 = $1465.20
1038: 20 @ $47.90 = $958.00
1997: 58 @ $17.08 = $990.64
2588: 17 @ $58.40 = $992.80
2778: 529 @ $1.88 = $994.52
==================================================
股息投資：
0003: 152 @ $6.57 = $998.64
2025年3月31日星期一
2025年3月13日星期四
月供股票 CLXIII + 股息投資
0003: 316 @ $6.28 = $1984.48
0066: 56 @ $26.40 = $1478.40
0823: 41 @ $36.00 = $1476.00
1038: 18 @ $54.60 = $982.80
1997: 49 @ $20.15 = $987.35
2588: 16 @ $60.70 = $971.20
2778: 568 @ $1.75 = $994.00
==================================================
股息投資：
0003: 159 @ $6.28 = $998.52
0066: 56 @ $26.40 = $1478.40
0823: 41 @ $36.00 = $1476.00
1038: 18 @ $54.60 = $982.80
1997: 49 @ $20.15 = $987.35
2588: 16 @ $60.70 = $971.20
2778: 568 @ $1.75 = $994.00
==================================================
股息投資：
0003: 159 @ $6.28 = $998.52
2025年2月24日星期一
2025年2月13日星期四
月供股票 CLXII + 股息投資
0003: 333 @ $5.96 = $1984.68
0066: 60 @ $24.50 = $1470.00
0823: 44 @ $33.90 = $1491.60
1038: 19 @ $51.60 = $980.40
1997: 52 @ $18.92 = $983.84
2588: 17 @ $58.10 = $987.70
2778: 592 @ $1.68 = $994.56
==================================================
股息投資：
0003: 167 @ $5.96 = $995.32
0066: 60 @ $24.50 = $1470.00
0823: 44 @ $33.90 = $1491.60
1038: 19 @ $51.60 = $980.40
1997: 52 @ $18.92 = $983.84
2588: 17 @ $58.10 = $987.70
2778: 592 @ $1.68 = $994.56
==================================================
股息投資：
0003: 167 @ $5.96 = $995.32
2025年1月17日星期五
儲蓄保險食屎狗 2024：魔鬼在細節！
前文：儲蓄保險食屎狗 (2020 保單預期價值一覽表)
前文：儲蓄保險食屎狗：呃你十年八年，呃埋孤兒寡婦 (當年氹我簽名嘅預期回報)
前文：儲蓄保險食屎狗 2021：今年條數做得靚？早死早著，遲死瞓唔著咋！(2021 保單預期價值一覽表)
前文：儲蓄保險食屎狗 2022：條數好過上年，不過都仲係同簽單個預期回爭好遠！(2022 保單預期價值一覽表)
前文：儲蓄保險食屎狗 2023：梗係做差咗啦，你慌會有好嘢咩？！(2023 保單預期價值一覽表)
有讀者私信新鮮人，話好想睇吓 2024 年最新張單，仲問新鮮人咁耐都唔更新，係唔係已經俾保險公司賠咗人壽咁話！
其實 2024 年都冇乜特別，明明全宇宙都復常，係得保誠狗單唔正常！
正所謂魔鬼在細節，新鮮人就同大家揭開吸血鬼保誠條數啦！
(A) 保證金額
(B) 非保證金額：累積歸原紅利
(C) 非保證金額：特別紅利
$145,425 = (A) $103,779 + (B) $6,931 + (C) $34,715
$652,331 = (A) $500,000 + (B) $25,353 + (C) $126,978
2024 年：預計第 13 年保單年度終結時退保價值 $145,870，身故賠償 $653,939
$145,870 = (A) $103,779 + (B) $6,931 + (C) $35,160
$653,939 = (A) $500,000 + (B) $25,353 + (C) $128,606
驟眼睇落做好咗、多一千幾百都要講多謝啦！
話咗魔鬼在細節：
breakeven 由上年預測嘅第 18 年成功再次逢二進一改到第 19 年喇！
再睇遠少少，唔好睇 13 年啦，睇到第 30 年吖！
上年：預計第 30 年保單年度終結時退保價值 $557,312，身故賠償 $1,155,645
今年：預計第 30 年保單年度終結時退保價值 $503,232，身故賠償 $1,049,833
一年後就已經縮 10% 係乜撚嘢玩法？
再睇埋 13 年前氹我簽名嘅預期回報啦不如？
13 年前：預計第 30 年保單年度終結時退保價值 $766,995，身故賠償 $1,565,908
由 $766,995 變 $503,232，冇咗 $263,763，-34.4%
由 $1,565,908 變 $1,049,833，冇咗 $516,075，-33.0%
心水清嘅讀者會留意到，中間消失咗呢舊錢，仲多過新鮮人呢一張保單 15 年全期保費、以及身故賠償嘅保證金額！
但係新鮮人咁早計都係哂氣！保誠狗單下年又斬多 5 萬、17 年就斬多 85 萬！邊嬲得咁多！
只可以做人板日日幫保誠宣傳喇！
大家快撚 D 去保誠買保險啦！
2025年1月15日星期三
月供股票 CLXI + 股息投資
0003: 337 @ $5.89 = $1984.93
0066: 61 @ $24.35 = $1485.35
0823: 47 @ $31.35 = $1473.45
1038: 18 @ $54.70 = $984.60
1997: 54 @ $18.38 = $992.52
2588: 17 @ $58.40 = $992.80
2778: 603 @ $1.65 = $994.95
==================================================
股息投資：
0003: 169 @ $5.89 = $995.41
0066: 61 @ $24.35 = $1485.35
0823: 47 @ $31.35 = $1473.45
1038: 18 @ $54.70 = $984.60
1997: 54 @ $18.38 = $992.52
2588: 17 @ $58.40 = $992.80
2778: 603 @ $1.65 = $994.95
==================================================
股息投資：
0003: 169 @ $5.89 = $995.41
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