I am by nature a software engineer during the day and individual investor at night. I have been working in financial industry for the past decade and currently employed by a money management firm. My articles and posts will most likely be coming from a retail investor's perspective. I do not engage in day trading. Throughout the years, I have learned that hands off investment strategy is a looser's game and one must build financial intellectual to actively manage one's wealth. My goal is to seek for capital growth and earn a decent rate of income.