Kaya Plus 2020 Annual Newsletter

Dear fellow readers,

What a year 2020 has been!

In our 2019 annual newsletter, we mentioned that 2020 will be a challenging year. But none of us expects the challenge to be a once in a lifetime test and lesson.

Most parts of the world got hit by the COVID-19 pandemic. Huge dips and sell-offs. Healthcare stocks went on a crazy rally. And then stock prices went back up and broke new high. During the time of writing this, the vaccine has been discovered though we are still not yet fully vaccinated.

Yet share prices have recovered for most businesses.

2020’s dip is a chance of a lifetime that nobody would have been able to time.

Lessons in the year 2020

2020 is a year with lessons. First, the covid spike presented opportunities to buy when the market was bearish. Then we also survive the ambiguity when President Joe Biden is set to become the next President of the United States.

It was a change. But no one would have guessed that the market continued on a bullish run. Many would have wished for President Trump to remain for another term due to the fear of ambiguity.

And that should be a stark reminder for the year 2020. It is not who that becomes the US President that dictates our wealth. But rather, how should we invest and increase our wealth REGARDLESS of who becomes President.

Defining What Kaya Plus Is

The mission and vision of Kaya Plus remain as it is. Perhaps it has strengthened more ever since its inception.

Kaya Plus is just one of the many sites/influencers/channels that places a strong emphasis on investing literacy. When we started out, we have an end in mind. To be different from what the other channels were doing.

To bring analysis, studies, numbers on the table. Not just preach about FIRE, how much to save, what are the stocks we own. Because it is the how and why, not the what, that really matters when it comes to investing.

In our 2019 newsletter, we spoke about how we champion and believe in investing globally. In the year 2020, we included stock analysis of companies from the United States, Singapore, and also the Hong Kong Exchange. We are barely scratching the surface, and we assure you there is more to come!

Eventually as Kaya Plus grows bigger, there will be an emphasis on launching monetizing programmes or contents. These can be in the form of beneficial sharings, dedicated discussion groups or even strategic collaborations with 3rd parties whom we see as parties that are also able to bring value to the readers and subscribers of Kaya Plus.

Kaya Plus remains as always a site that aims to serve the public and readers. Improving investing literacy of the general public, becoming the gateway for investors all around the world to get enlightened by our analysis comes first.

Fingers crossed, our first course will hopefully materialize early 2020. And after 1 year plus of our dedication in bringing the best that we can to the public, we hope our level of investing and its understanding serves as a guiding metric on what we can deliver. Stay tuned on that!

What To Look Out in 2021?

As much as we want to know what would be the key defining traits to take advantage of in the coming year, one can never be too certain. As most parts of the world are still recovering from COVID-19, one can never be too bullish. But one should not always stay pessimistic as well.

COVID-19 has proved a significant point. That it is possible for economic activities and work to continue in the comfort of our homes. eCommerce, work from home culture, will continue to play significant roles in our lives as we embark on this new norm post-COVID-19.

And it would not have been made possible with the advancement of science and technology. Reliable and lightning fast internet, coupled with ever-improving software, hardware and eCommerce platforms showed that it is possible for humans to tweak our way of life accordingly.

Tech companies might be already at a historical high. But we bet you things would most likely remain the same for every coming year. The good companies can be great. And the great businesses can be greater. And there is where you get higher share prices year in year out.

Coming back from a geographical perspective, Malaysia continues to be plagued by political instability. With the current ruling government keen to extend its tenure and prove its support, we could well be looking at a General Election once the COVID-19 situation subsides. Things are murky, and things could still go either way, which means more uncertainty.

As always, strong advocacy to invest globally is always there. But at the end of the day, we think that everyone has their own cup of tea, risk preferences and responsibility in managing their own wealth. So do what you think is best for your wealth is what that matters.

Endnote

Investing is a lifelong journey of learning and enlightenment. Different companies and different business models mean that we have to gauge and analyse companies differently. But the core principles remain the same. It is more about how a company is growing or plans to grow, that bears more weight on what the company has achieved.

Kaya Plus remains being run by 2 individuals who have not achieved financial freedom. We are just like the most of you. Working a 9-5 job, but channelling our energy and time to still try and make Kaya Plus different from the rest.

With that, we would like to thank the community who stumbled across us and continue to read and enjoy our contents, be it an article or a video.

Thank you to Value Invest Asia for publishing original contents by Kaya Plus’ co-founders on stocks from Singapore and internationally.

Thank you to Investing Note Malaysia and E.E. Cameron for the opportunity to make Kaya Plus as one of the key speakers for your events.

Thank you also for StashAway, for making passive investing a great tool for people who would still want to grow their wealth passively and consistently without needing to put in time and effort on doing what we like doing!

2021 will be a tough year. But it will be a great one if we continue to do what we think is best for our wealth.

If there are 3 quotes that we would want to share with you for the year 2021, it would be these 3:

  1. Never bet against capitalism
  2. Investing in great companies with still plenty of growth
  3. Great and sustainable investment returns come from patience, and not from tinkering your portfolio every day

Sounds cliché, but still what we hold true till this very day to how we approach investing.

So bye-bye 2020, and welcome 2021!

p.s. Keen to take advantage of 2021? Click >> Get access to our Stock Plus 2021

Thanks & Regards,

Joo Parn & Choon Beng

Team Kaya Plus

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