Are you 30 years old and you wanna be fully retired in 45 ?

If you will invest only 200 € each month, with Interest rate 10% per year you will be retired (minimum requirements as is food, home, …) after 15 years when you will earn only on interest rate 5845 € each year!!! This is ok for my cheap country :), If you will need to live 29225 € per year you will must save each month 1000 € for period of the 15 years…

Goal is to save how much as is possible, use all tax advantages (run own biz, pay low on taxes, return some taxes from the government) and invest only to high interest rates investmentents as is stocks with good dividends (now my primary stock giving me dividends 11,8%). You must invest, not save! Interest rate 1-3% will kill your money! With interest rate 1-3% and inflation 1-3% you are on ZERO . So I’m personally using stocks, good, traditional, big firms, with dividends 6+ percents per year. Now my primary stock giving me 11,8% of dividends, this is investing which will take me "out"!

I never liked the deep fundamental analysis, I liked the graphs. Numbers are boring, and you must know all this economics theories and understand accounting (who like it :)…).

But my last fundamental analysis was a BIG SUCCESS LOL. My BAAPEGAS (hi-tech textiles for industry) stock is a rocket, which going to the stars (+8,9% in one day), yes, his extra low P/E, good turnover, … forced me to buy this stock, and my decision was right :). Woohoo! BAAPEGAS published the results for 2008 and for 2009 Q1, and this company simply rocks!

My "buy and never sell" strategy looking good.

Now I’m waiting for the results of the my other stocks BAATELEC (telecommunication) and BAACEZ (electricity). It will be not so good, they are big companies, but they charging his customers hard, so profit is guaranteed :).

Now I’m 31 years old, and I need to do my "exit" in 45.

What about to buy the best stocks according to the low P/E, stable dividends, rising turnover , good technical long-term analysis.

No drugs (cigarettes, alcohol, I’m hating them, and this business will fall later or sooner, destroying of the body is bad business), no risky business with huge leverage (banks), no companies without property (developers), no business which going up and down easily (software).

What about to buy super stocks regularly, AND NEVER SELL. They will finance my exit!

I thought about it and start realized it. Warren Buffet had right.

Facts:

In the Czech republic are three stock markets. The big one SPAD (minimal buy in M€, market makers), small KOBOS (called also BCPP, I will use name KOBOS) (tenth of SPAD, real auctions) and the little one RMS (hundredth of SPAD , real auctions too ).

The SPAD have Round-Trip commission around 0,2% , KOBOS 0,8% and RMS 1,2% (really huge commissions for KOBOS and RMS isn’t it :), nothing for intra-day trading…).

Opening time:

SPAD 9:15 - 16:0

KOBOS 9:10 - 15:55

RMS   9:00 - 17:00

Price depending mainly on the biggest one SPAD market. I’m waiting for the opening of SPAD at 9:15, next +-15 minutes price fluctuating VERY HARD! and at the 9:30 I’m starting buying. But If you are really smart and you know, where will price go, you may trade in RMS or KOBOS before opening of SPAD or after it’s SPAD closed, but I’m not recommended it.

The FIO broker buy/sell screen look like (It’s real screen from the today):

Biggest market SPAD set price of the BAATELEC (O2, telecommunication) stock on the 442 CZK. I’m not investing in M€, I may buy only in the KOBOS (second column) or in the RMS (third column) market. RMS have the biggest commission, but he offering lower price 437,1 than the KOBOSs 441 this is +- 4 CZK difference, which is 1% of the price. RMS commission cost 0,4% more than the KOBOS, but with this nice 1% bonus, its 0,6% cheaper, than the KOBOS with price 441 CZK. Every this calculation I’m making only in my mind, because It’s no time to use calculator or made mistake, price fluctuating hard and fast… Done I’m buying in the RMS for the 437,1 CZK :).

CZK currency going up from the 14,5 CZK / 1 USD to +-18 CZK / 1 USD, so my adult business revenue generate me more money :). It’s very, very nice !

And stocks price going down , super !!! So the P/E ratio (price per earnings) going down too. Before few months was P/E (It’s how quickly, in years, each stock return it’s value to the buyer) was for example 12 (return money in 12 years to you), today It’s BINGOoo!!! for example 7 years.

Wohhooo , I’m loving this "crash". Can’t be better (without irony) !

Yes, go baby, go!