From IR

We wont know. Industry figure group all PA together.

Open looo

Simplify travelling requirements

But travelling insurance is still required

Air Asia flights more routes

Travel and Aviation Insurance are mandatory

Good catalyst for Tunepro

https://www.straitstimes.com/singapore/transport/all-vaccinated-travellers-to-be-allowed-to-enter-spore-without-quarantine-no-more-need-for-designated-flights-vtls-replaced

please apologize for not being able to comment too details... you can perform own Due Diligence

hint #1

go and check the background of Norges Bank and important BOs in KAF who owns Tunepro via KAF

you will definitely have strong confidence in Tunepro


hint #2

find out whether there are changes in the top management of Thai Assoc

you will expect better improvement from this assoc

Again, buy or sell at own risk. My comments here are just my personal opinion and idea

重仓低估股票，价值长线投资，基本面分析！

This collaboration between the three parties will ensure Tune Protect customers receive consistent speeds in user portal experience; more tailored and matching insurance offerings for their requirements; and better insurance premium rates due to infrastructure and intelligence optimisation.

InsureTech is going live soon

https://themalaysianreserve.com/2022/03/18/tune-protect-becomes-the-nations-1st-to-host-insurance-core-system-on-public-cloud/

Look at this good news announced yesterday...

Tune Protect the nation’s 1st to host insurance core system on public cloud

TUNE Protect Group Bhd (Tune Protect) is now the first insurer in Malaysia to have received the official approval from Bank Negara Malaysia (BNM) to host its insurance core system on Telekom Malaysia Bhd’s (TM) Cloud — (Alpha) Edge.

It is a game set by accountant

FVTOCI

FVTPL

Need to use layman term to educate more retail investors

But, I choose to be silent so that I could gather more

Again, please look a focus at Underwriting Income

A lot of retail investors opine that it is a bad decision to buy Tunepro when Fed Rate has increased.

Indeed, they might be wrong. Insurance core income is not from investment in bond, should be earned from Underwriting Income

Indeed, now it is the right timing to buy even more.....

Investment in bond is common in insurance as it is relatively low risk as compared with investment in equity.

LPI is different story because big portion of their investments is in Public Bank financial products in which Teh tycoon back the share. So dividends from public bank has been used to offset their losses in bond

Tunepro is a hidden gem and a lot of investors do not understand.

A lot of investors also do not understand the fair value gain or loss is just on paper and indeed it is a number crunching game.

If holder of bond opt to record fair value changes in OCI, then it shows no PnL impact

If holder of bond opted to measure bond investment at FVTPL, then the PnL impact will be reflected.

In any of the above cases, there is no cash flow impact at all.

Hope that investor will look at insurance business by normalising all meaningless numbers

@wsb_investor,


You cannot deny that it is Tunepro's management plan to find other sources of Travel Insurance Income other than AA. The result has proven that the top management's effort paid off. I acknowledged that it is the fact that there is a reduction in international flight of AA. For example, Tunepro has successfully sourced for more business partners like those in Middle East, and now started to venture into Vietnam and Indonesia Market.

RM16 per policy, I do not know how you get this absolute figure, I have tried running the Quotation several time, the price depends on many factors like travelling period and nationality. I had tried for a tourist from China who will travel to Malaysia from early March 2022 to end of March 2022, the travel insurance costs him RM560 per policy.

You may try navigating before simply commenting on the pricing. https://www.tuneprotect.com/airasia/covidtravelpass/my/

Well, no one will know when the Covid-19 will last. Nonetheless, the awareness of public or traveller to have travel insurance is increased. There will be a new normal for travelling requirements to include insurance and more countries are going to accept insurance and "green passport" will become a new normal. If you only look at Covid-19 and ignore the opportunities post Covid-19, then I guess you have just been too short sighted. I believe Tunepro looks beyond post Covid-19 and I believe more and more requirements will be set in the future for international travel and flight.

Read this article for your more information (there are more articles which will broaden your horizon of looking at Travel Insurance business, think out of the box, think out of Post Covid-19).

https://www.itij.com/latest/long-read/travel-insurance-post-covid-era

Historically, we could witness that share price did not drop much even with a negative or bad Quarter Result.

To compare apple with apple, we use Q1 result and its price fluctuation as a benchmark.

Q1 or 31 March 2021 results:-
Revenue = RM117.449 million
Loss Before Tax = - RM19.798 million
Loss for the Period = - RM20.533 million
Loss attributable to ordinary equity holders of the parent = - RM15.449 million
Basic Loss Per Share (Subunit) = - 2.06
Net Asset per share (Subunit) = 0.75

Result announced on 28 May 2021 and price as at 28 May 2021 = RM0.410
Price of share after bad QR on 28 May 2021 = RM0.405 on 31 May 2021; RM0.400 on 1 June 2021; RM0.415 on 2 June 2021; RM0.410 on 3 June 2021; RM0.410 on 4 June 2021; RM0.420 on 8 June 2021

During May to June, Delta Variant was severely affecting everyone; many countries closed their borders; booster vaccination was only started in certain rich countries; there was no news about re-opening of borders; lot of uncertainties in May to June 2021.

The price of Tunepro was stable even though bad QR for Q1.

Q4 or 31 December 2021 results:-
Revenue = RM102.794 million
Loss Before Tax = - RM15.494 million
Loss for the Period = - RM14.743 million
Loss attributable to ordinary equity holders of the parent = - RM12.129 million
Basic Loss Per Share (Subunit) = - 1.61
Net Asset per share (Subunit) = 0.75

Result announced on 25 February 2022 and price as at 25 February 2022 = RM0.400 (increased from RM0.385 due to Russia-Ukraine War)

From current period onward, Delta Variant has slowly vanished and Omicron Variant even though could spread virus very fast, it is not as serious as Delta so long the infected person has been fully vaccinated and has taken Booster Vaccine. Furthermore, there are more and more countries re-opening their borders and set a more relax travelling SOP so long the traveler has been vaccinated. More and more VTLs will be opened among different countries in SEA first. Malaysia is going to open its borders fully soon and we are not waiting for PM to announce once the SOP is finalised.

As such, do not simply dump your shares if you understand the business well and you have initially set to hold for long term for value investment! Historical event had already showed us that Tunepro is meant for Value Investors!

Do not be fooled by those sour grapes who keep on telling pathetic excuses or reason such as AA is going to bankrupt and then Tunepro is going to be making further losses and etc. just to trigger anxiety to you to dump or cut loss. HOLD your shares tightly if you do not have BULLET to top up. For my group of Investors, we are ready to collect more. Remember, we should HOLD for LONG TERM VALUE INVESTMENT! Tunepro is not meant for Short Term Trading!

Disclaimer: The above comments are only for sharing purpose and shall not be construed or treated as an investment call. Remember, money is yours and you should be making investment decision responsibly.

There are challenges for insurers but at the same time there are plentiful of opportunities for insurer doing travel insurance.

There will be a new normal for the Post Covid as consumers' awareness on the need to have insurance coverage has been increased after this pandemic

We do acknowledge that there are challenges

Nevertheless, we have strong faith in Rohit's leadership. A successful person sees and seizes opportunities in every difficulty and challenge.

One of the very obvious achievements that should be acknowledged is that Tunepro's reliance on Air Asia has been reduced significantly and we should really appreciate effort that has been placed by Rohit's team. It is not easy to change company plan in such a shorter time and during pandemic

You may read more articles in
https://us.milliman.com/en/insight/new-normal-travel-insurance-asean-in-the-post-covid-19-era

We aim for Long Term Value Investment. Short term fluctuation and noise will not influence us. Tq

Dear all,


Do not be fooled by those sour grapes who have not bought but just loved to pour cold water.

You people might think of meaningful questions and PM me.

FYI, I will be scheduling a call with the IR Team soon, probably next week or mid of March 2022.

Later, I will be showing you some analysis based on historical events for you to do your own assessment.

My group of followers and I will collect on dip on Monday. We aim for Value Long Term Investment!

We still trust Rohit and will hold till 2023 or probably hold as portfolio in my life!

We need to set realistic and achievable expectation.

To me, this QR is acceptable in view of so many unfavourable events such as Delta, Omicron and etc.

Net claim for FY2021 was significantly lower than FY2020.

Cash and cash equivalents as at 31 Dec 2021 have been almost doubled that as of preceding year ended 31 Dec 2020.

The unfavourable indicators = Fair Value Losses and Share of Losses in Assoc

If you performed Normalisation Adjustment like what M&A commonly does, this QR performance is acceptable despite many challenges!

Finger crossed

Let's hope for the best

@silebtWolf,

Probably, you could get around 0.395/0.390 because the sentiment is invitable when most retail investors just look at the financial statements without doing analysis

You are right that Tunepro is not suitable for short term trader. Tunepro is suitable for long term value investors.

That why we need to know why we invested in Tunepro and we need to set realistic expectation so that we won't feel dissapointed.

Just hold tight and wait for Country Border to be reopened soon. Remember Tunepro will definitely get benefit once the border is reopened.

https://www.youtube.com/watch?v=W69eGw-uWxk

Look at what we could expect from. Tunepro by 2023

My team and I will hold for long term

No worry at all. 罗马也不是一天造成的

As per Rohit, his plan is for 2021 till 2023

We will hold and wait for few more years...

Not worried at all

其实net claim 明显减少很多了，如果跟去年比较

cash 还是有比去年增加了将近1倍

负面在于，fair value losses and share. of losses in associate

after performing normalisation of financial performance, 我还是可以接受这个成绩。

毕竟今年是多事之秋，delta, omicron 等等

let us welcome Tunepro to turn green today

it seems like the so called big war by western society might have been ceased fire.

I think Russian Government only demolished the military forces and equipment of Ukraine and did not hurt any normal Ukrainian unnecessarily

all this because of NATO I guess

let's hope that Rohit's statement about the increase and improvement in business is fair and correct

wait patiently for the QR later

Dear Rohit_Nambiar,


My group of investors have strong faith in you. We apologised for performing due diligence review on your background.

After the due diligence review, we have no doubt at all in your capability to bring Tunepro to next level. We will show our unconditional support to your leadership by investing in Tunepro and hold Tunepro shares for long term.

We believe that you will bring impressive result for Q421 after normalisation adjustment is done to the one-off flood event.

We are happy that our wish that Tunepro Board to consider distributing Dividends have been conveyed to you and Board accordingly.

No matter how is the discussion outcome, we will still trust Tunepro because our voices have been heard at least.

Our experience proves to us that Tunepro's IR team is very responsive. Here, we would like to express our gratitude to your colleague, the Head of IR for offering us a channel to have video conference call with your team, should we have further questions to clarify.

Lastly, we will withness the victory of Tunepro very soon!

Have a nice weekend.


For and on behalf of a group of shareholders, thank you very much for the effort!

@boonwei98

Refer to my comment given previously for the Investor Alert given for 3Q21 on 16/02/2022 2:51 PM

My team and I will give full support to Rohit's leadership and we have faith in him. We plan to hold Tunepro for Long Term and we believe Tunepro price will go up to RM1.00 within 2 years and RM2.00 within 4 years.

Please understand Top Management's response to current volatility and their anticipation to tackle all possible challenge!

@lloydim,

you could wait for the price to dip to RM0.300 if there is another lockdown and MCO 5.0

@Orson Chin,

From 16-18 Feb, the sale was probably done on purpose by Syndicates to trigger anxiety among the retail investors so that they could collect cheap and lower priced shares.

my Comrades who did due diligence check informed me that the possible Average Cost for Syndicates or Sharks is around RM0.380. As long as your price is not very far from RM0.380, you do not need to worry even if you are a short term trader. If you are a Long Term Value Investor, please ignore any fluctuation occurred recently as it is meaningless in view of the bright future for Tunepro.

My group will keep collecting and buying whenever Syndicates or Sharks sell ticket to trigger anxiety

Thank you, Sharks and Syndicates.

My group of members will continue to buy and buy and collect. We aim for Long Term Value Investment as Tunepro's future prospect is very good,

We look forward to seeing successful closure of Merger and Acquisition Deals between Tunepro and Industry Player in Vietnam and Indonesia.

Within the last 5 years, the price of Tunepro was at its highest on 22 May 2017 at RM1.540 and its lowest was on 19 March 2020 at RM0.230 during the first MCO and lockdown in year 2020.

RM1.540 on 22 May 2017
RM0.720 on 22 May 2018
RM0.695 on 21 May 2019
RM0.230 on 19 March 2020
RM0.340 on 22 May 2020
RM0.395 on 21 May 2021
RM0.525 on 16 November 2021

Now the price is very stable in the range of RM0.395 to RM0.410.

From the highest point RM1.540 to its lowest point of RM0.230, it took only less than 3 years to plummet to the lowest. I strongly believe that after the re-opening of border, and re-opening of economic activities, the post Covid and recovery of economy will drive the performance of Tunepro as it is one of the beneficiary due to mandatory requirement to have Travel Insurance and its implementation of Bite-Size insurance plan soon coupled with the use of InsureTech concept.

To me, my prudent view is that Tunepro's value could be go to above RM1.00 within 2 years time and go up to RM2.00 within 4 years time.

My group will hold Tunepro for Long Term and will buy and collect from month to month as Tunepro will be the next Multibaggar!

Disclaimer: The above comments are only for sharing purpose and shall not be construed or treated as an investment call. Remember, money is yours and you should be making investment decision responsibly.

@willc48

I did due diligence on Rohit for his experience and contribution done to AXA Affin Life Insurance Berhad. It was incredibly impressive even I spoke to friends in Insurance industries who have ever worked with Rohit before.

Also, I spoke to his current colleague in Tunepro and they gave positive feedback (that time I have not yet been a shareholder).

No need to doubt is Rohit's leadership and after I did due diligence review, I would give my full support and unconditional trust in him.

For your information, before joining Tunepro, Rohit was working for AXA for more than 15 years. Rohit had been transferred to 5 different countries and had taken up 11 different roles throughout his tenure in AXA Affin. He started his career as an Analyst in India and gradually worked his way through the ranks in United Kingdom, Singapore, Hong Kong and now Malaysia.

Our team have full confidence in Rohit's leadership as fewer members in my group are top management level in Insurance Industries with Tunepro's competitors and we know him well.

Probably, you can do due diligence on Rohit.

FYI, Due Diligence Advisory work is my routine work as I am a MnA Business Advisor cum Chartered Accountant.

@Pinky

I am here. Too busy recently as I have been doing variety of projects to earn fast money.

For Tguan, I have already sold all when the price was around 2.70

Will wait for Tguan share price to go down a bit to around RM2.00 or below before I start collecting again.

Now, I concentrated my investment in TUNEPRO

ALL IN Tunepro......

Collecting all at Average Cost of RM0.395

Multibaggar for Sure...TUNEPRO

Go to read more information about Tunepro by reading my sharing in Tunepro KLSE i3 and KLSE Screener

TUNEPRO - Undervalued and I have started collecting since January 2022 when many ppl are not aware of this hidden gem

2月25日，QR 成绩一定出炉

这里我还是会很中肯的说一句话

至于Rohit. 说的10到12月，业绩有大进步，我觉得比较中肯的看法是

业绩会好，但是由于水灾险的赔偿，多多少少会影响Profit

但是水灾的赔偿有被reinsurance cover 的不错，还有这个claim 是一次性event, 谁也控制不了天灾。

只要业绩有上升，水灾赔偿金有被控制，还有业绩有逐渐进步。

我还是非常乐见其成。Tunepro 在2022年肯定会非常的好

还是会每个月继续collect 这个tunepro

Tunepro。肯定是会开番

Tunepro will be performing within my expectation after considering factors like claim for flood victims and gradual recovery due to gradual reopening of economic activities.

My comrades will only collect non stop at lower price. Price below 0.46 is considered reasonable.

For long term value investment, ini kalilah!

Tunepro 业绩应该会出乎我意料之外。肯定是进步的，但是必须拿走一次性的水灾赔偿才能公平比较。

我们组群只会低价收购，耐心等待，等着开番！

只有更加好的业绩，好的生意方向，我乐见其成！

Those who keep on triggering anxiety. Please go ahead as you won't affect us!

why and how I forecasted or what is my basis of prophecy?

well you do not need to know

have faith in Rohit's leadership

be patient and you will be rewarded handsomely!

Dear raymondlct126,

Understand you are worried about the increase in interest rate which will have the opposite impact to Tunepro.

Nonetheless, the current price has already reflected the impact and Top management had already factored in this into consideration for their future plan.

Tunepro has been repositioning for a more Defensive Portfolio Mix by reallocating 15% of our longer duration corporate bonds to short duration government bonds.

I have confidence in Rohit's leadership and I believe what you are worried has been anticipated by the top management.

Tunepro has prepared for the market volatility due to revision in Interest Rate

For Further information, please refer to Page 4 of https://www.insage.com.my/Upload/Docs/TUNEPRO/TUNEPRO%20-%203Q21%20Analyst%20Deck.pdf#view=Full

Sekian, Terima Kasih.

I am very Optimistic in Rohit's leadership and I believe the Top Management is very experienced in tackling all upcoming global market volatility.

哇，金融大鳄开始洗比较脆弱的散户了。惹怒他们我群组最喜欢。

感恩金融大鳄抛售Tunepro 于低价。既然大鳄那么喜欢抛售，我的群组员，我们会勉为其难，尽量收购你丢的票。

这里我还是再次强调几个东西。

1）别追高
2）长期持有，做价值投资
3）今天突然价格大跌，人家怕，我们贪，继续沿用WB and CM法则，多多益善。

Thank to Syndicates for throwing Tunepro to lower price just to create panic selling.

We will help you to buy and collect.

1) we will. not. chase higher price
2) we will hold for long term doing value investment
3) when everyone is fearful, we will be greedy

don't you ppl feel. that the sudden big sale is a lousy tactic used by Syndicates.

Boring Tactic!

wahd

The following are my questions and responses were given directly by the Head of IR:-

Actually I have 2 questions which are not forward lookings

1) Actually what has happened to Tunepro as the General Insurance revenue decreased from quarter to quarter? Any reason?

2) You informed me that 70 percents of the operations is from Leisure and Hospitality (Travel Insurance). The Travel Insurance sales majority come from which region? Asia Pacific or Middle East?

Responses:-

1) We are rationalising our portfolio. Wanting to exit low retention business with that being Commercial. Focus on 3 lines of business/pillars 1) Health 2) Lifestyle and 3) SME.

2) Mainly from Middle East as AirAsia took a hit from border closures while ME was one of the first markets to open.

Additionally, I conveyed the wish of a group of shareholders to the IR Head so that our voices would be heard and action be taken accordingly:-

Wish of shareholders from my group - DIVIDEND be proposed to reward shareholders since No Dividends have been distributed since year 2020.

@wahd

How do you know I intends to write books for the public? 很多人问我几时要出书! 压力山大了，我必须想办法挤出时间。毋庸置疑，我告诉我的群组的人，5月起我会闭关，但是继续累计资本，筹备年底的项目！黑天鹅如果真的来了，我拿着TUNEPRO, No worry at ALL! This price is very very LOW already!

How do you know my intention and plan? 其实真的很可怕，怎么那么多人会问我几时会出书！我还在学习当中。必须多多跟很多人学习啊！

你认识我吗？怎么知道我有计划写书来分享我的投资理念和看法？最近很忙，还没有真正抽空继续写，动了一点点。

永远要记得，价值基本面投资，真正赚到最大的收益是当股价增长了。复利的效应会让你财源滚滚。钱赚钱。会越滚越大。

永远记得没有捷径的投资路线，只有耐心和正确的投资理念，慢的时候其实变成快了，因为放慢脚步投资，研究了再投资，选择错误的道路会减少。

慢就是快，Remember MONEY is in the WAITING!

Patience is the key!

Tunepro, if you wanted to see the biggest effect, please BUY and HOLD and wait for TUNEPRO to GROW. 陪着股票一起长大吧，记得当你买股票的时候，你一定要把自己当成生意人了，这是你的生意哦！

https://vulcanpost.com/774943/malaysia-digital-bank-licence-prediction/

One of the potentials candidates to be granted Malaysian Digital Banking Licence is (1) 1. BigPay consortium with MIDF and Ikhlas Capital

Who they are: BigPay is a financial service by airasia Digital that provides users who register through its free app with a prepaid debit card that can be used wherever Visa or Mastercard are globally accepted.

The fintech app has partnered with financial services, Malaysian Industrial Development Finance Berhad (MIDF), and Ikhlas Capital, a Singapore-based private equity fund manager to apply for a digital banking license.

Their potential: MIDF is focused on providing services in the areas of investment banking, asset management, and development finance while Ikhlas Capital has over US$300 million of assets under management.

This points to a potential for the consortium to have the assets and capital to build products and services aiding underserved markets in Malaysia, including individuals and businesses. Not to mention, BigPay has recorded 1 million card users as of December 2021, pointing to a market primed for its digital banking services.

Aside from being a portfolio company of one of Malaysia’s three unicorns, if BigPay were to be granted a digital banking licence, it’d be a homegrown success story that’ll do Malaysia proud.

Important Points:-

On 26 January 2022, the Edge, Mr. Rohit has already mentioned that he is optimistic that Air Asia will be back!

“I look at it as a massive opportunity because we know AirAsia is going to come back. This number will grow, and when it does, it will add on to these new businesses that we have,” he explained.

With Rohit's vision and goal to enable Tunepro to venture into InsureTech, I could foresee another big synergy formed between Tunepro and Air Asia should the latter obtain Digital Banking Licence from BNM.

Advice is to HOLD tightly Tunepro share which you had bought at lower price and wait for the fruits to be harvested soon. By end of year 2022, BNM should be announcing the winner for the licence.

More and more good news are coming soon. Why should we worry and dump Tunepro's share? My team is preparing to queue and collect more if Syndicates dump the shares tomorrow!

Disclaimer: The above comments are only for sharing purpose and shall not be construed or treated as an investment call. Remember, money is yours and you should be making investment decision responsibly.

Based on my several years of experience, as tomorrow is CNY Eve and share market will only be opened half day. Normally, syndicates will purposely sell in volume to create negative sentiment so that naive retail investors will be panic selling in lower price. Which, in turn create a good opportunity for the Syndicates to buy at cheaper and lower price.

My advice to retail investors is to hold tightly as the number of shares for Tunepro is very much limited. After you sell at this price, you will not be able to get lower buying price.

I have also informed my 4 local stock investment groups and 1 overseas group so that for those who are keen in collecting Tunepro this hidden gem can queue at lower price. Should the Syndicate sell at lower price to create panic, my comrades can collect cheapo tickets. As to what price, my group of members is queuing, I could not disclose as it is my investment strategy.

Tunepro's QR result will be announced on 25 February 2022 as per my discussion with the Investor Relations Head. By that time, all positive and good news will be announced eventually.

I have represented my group of shareholders to convey message to the CEO, Mr. Rohit Nambiar so that Dividend be proposed to the Board so as to at least reward Shareholders who have been so loyal to Tunepro and by giving Dividends, Shareholders or Investors will have more confidence in Tunepro and Rohit's Leadership.

This is highly possible because Dividend has not been declared since FY2019. As per my conversation with the IR, year 2020 and year 2021 Tunepro undertook several recovery measures as well as expansion plan which includes but is not limited to potential Mergers & Acqusition Projects in Vietnam and Indonesia. Once the Transactions are completed, the value of Tunepro will be increased significantly in view of its value being unlocked and synergy from the business combination.

I am also in M&A field and let me tell you, normally M&A involving insurance company will have a higher likelihood to be successful. The reason is very simple, Insurance Business will never be a sunset industry.

Some of my rationales based on study and clarification with IR are as followed:-

(1) Tunepro's business has slowly be diversified under Rohit's leadership. Please check the latest Corporate Day's slide for further information. Insurance business will always be the winner. Current price of RM0.430 is still considered a discounted price. If you are not willing to buy now, when do you want to buy? Remember, Warren Buffet said: Price is What you Pay, VALUE is what you buy! Buy now before the price is skyrocketing.

(2) Tunepro's price is considered undervalued already. The downside is very limited and upside is unlimited in view of the Company's plan. Historically, if you look at other insurance companies like Takaful, Allianz, LPI, initially all is at lower price. You will enjoy higher Return if you could hold for long term for at least 2-5 years. All insurance Companies have been multibaggar! Listen to Charlie Munger: "The Big Money is in the Waiting"!

(3) Tunepro's share is the best sanctuary if US market crashes. The IPO Price was set at RM1.35. The current price of RM0.430 is almost a 70% discount or Mega Sale! Remember, the NTA is around RM0.74 per share. I do not see any risk associated with long term investment in Tunepro in view of Rohit team's strategic plan. Furthermore, those who are willing to collect and buy Tunepro right now are mostly Value Shareholders who are not afraid of Black Swan! The downside is really very very much limited. Let's hold Long Term and Tunepro will reward shareholders handsomely!

Lastly, my advice is to HOLD TIGHTLY, WAIT PATIENTLY, KEEP COLLECTING IF YOU COULD AFFORD HOLDING.

My hint to everyone is to WAIT for the M&A to be completed! Handsome Reward is awaiting us! Gong Xi Fa Chai!

Disclaimer: The above comments are only for sharing purpose and shall not be construed or treated as an investment call. Remember, money is yours and you should be making investment decision responsibly.

@Lanmum

Okay I can write in English for you

明天是除夕夜，股市只有半天。我大胆推测大鳄或庄家非常有可能会抛售来制造恐慌。目的就是要散户惊慌失措抛售，来买便宜票

散户们切记，Tunepro 的票数真的不多，丢了要买回这等的价格真的是想都别想。

我也放话下去我手上四个本地股票投资群，和1个外国股票投资群。叫他们可以排在低价，如果大鳄庄家抛售，我们接票就是。至于什么价格我不可以说出来，不然我组群的部署会被打乱。

QR 成绩会在2月25日公布。到时候好的消息会接踵而来。或许Rohit 真的听到股东的心声，跟Board proposed 股息来慰劳股东们。我等着公司公布公司的 M&A 的两大企业重组或收购计划。

（1）Tunepro 是多元化保险公司，包赚的。现在的价格是大减价了，此时还不买，更待何时！

（2）股价属于低估的价位，股价继续下降的空间非常的少，上升是无限的。古往今来，多少保险公司不是3，5年后，股价飞了几倍。

（3）黑天鹅的避风港。公司股价已经跌到很低了，IPO价格1.35 现在根本就是70%折扣，能持有的都是价值投资大师。黑天鹅来会有一点小波动，不会跌惨。

果断投资，长期持有，复利的效应，肯定让大家财源滚滚！

现在0.430 肯本就是Mega Sales 大减价。经济活动已经慢慢复苏了，我敢断言，2-3年开一番不会是问题！

非常恭喜买在0.400或以下的股友们。我的组群大多都是average cost at 0.39 - 0.400,我本身的Average cost 是0.400

记得大家必须抢先收购这个股票，别给大鳄，庄家赚完！

我也不多说了，真的透露太多，独乐乐不如众乐乐，我的分享只是想帮助很多被课程佬骗去荷兰的散户们。

加油各位。

重要东西我会说几次啊

记得QR 会在2月25日公布

也记得现在不买的我也不多说了，水灾的赔偿很少，我跟高层深谈，他说了Tunepro 有reinsurance cover 的很好

少于1百万赔偿而已，皮毛啦

还有信不信由你们哦

有两个大型的Merger and Acquisition 将会在Indonesia and Vietnam 走着，in progress now, once transactions are completed, Tunepro will achieve synergy and unlock value. 估计今年会完成MnA transactions

最后，我向高层还有Rohit 的team 反映了作为一个真心股东的心声，我向高层提议so that Rohit 可以反映我的想法给BOD to propose dividend of at least 6% dividend yield 来回馈股东。

等着Rohit 前辈给我答复。没时间跟你们多说了，赶快上车。

<Extracted from KLSE Screnner>

这只股票我赚了两轮。他不会跟着红飞机一起跌的，全部都是Tony 在2020年有先见之名。详情我不能在这里多说

非常期待2月尾的业绩, 一鸣惊人，这不是不可能的

Rohit Nambiar 此人不简单的,在他带领之下，生意模式已经慢慢变化大了

他在2021年的presentation slide 有说明他的方向

重点是他的esos 在0.37 ,如果我是他我至少会推高一倍

2月尾就会飞了，再不买，没机会买了

我姑且给出中肯的预算吧

最后一季的业绩多多少少会给水灾的claim 影响一些，不过这只是小数目according to Rohit

这更加证明Tunepro 被reinsurance cover 得很好

我非常看好接下来几个季的业绩。

没时间跟大家解释太清楚 你们自己去download Rohit 的业绩分析报告吧

赶快上车绑好安全带，要飞了

当我昨晚写出这个的时候，我已经暗示很多了

散户们看不到的，我也不能说什么了

Tunepro 肯定会开番

经过金融分析师算出来，3年内爆发力可以达到growth rate 140%

信不信由你们决定

我已经90%fund inside Tunepro

我会继续跟高层询问看看他们的发展方向，今年会不会给股息

没有马后炮的哦，我很早就暗示的了，当红飞机落难pn17时候我已经暗示了，还没上车的，赶快了啊

@Lanmum, my old friend.

How are you doing? We have known each other via Tguan last time.

Wow it seems like we have common stocks.

You may follow me also in KLSE Screener.

To all of my friends and fellow value investors,

Please have faith in Rohit's leadership. I am afraid the price today might not be available after CNY.

I am impressed with prompt responses given by Rohit's team, especially Affryll, Head of Investor Relations.

I believe that tone at the top. From my observation of Tunepro's business development plan, I strongly believe that Tunepro will be improving significantly over certain period of time.

Dear Mr. Rohit Nambiar,


Thank you for arranging your colleague, Affryll Teo, Head of Investor Relations to communicate with me in regards to the above matters.

I will use formal channel via IR email. Where possible, I would be happier to have virtual call with your team.

For your information, I have faith in your leadership and that why my 90% fund is all invested heavily in Tunepro.

Thank you very much.

Regards,
Auditorandconsultant

Dear Mr. Rohit Nambiar,


I hold quite a number of Tunepro shares. Can I sincerely seek your advice on the followings:-

1) From one of the news reported, I understand that Tunepro's exposure to compensation/claims due to flood is still manageable which is lower than RM2.5 million. This has proven that Tunepro is well covered by Reinsurance.

In the long run, do you think more and more consumers will be aware of the importance to buy insurance for natural catastrophe? If yes, can I expect to see increase in revenue arising from the natural catastrophe insurance program?

2) From an interview between you and a reporter, I understand the revenue related to travel has been increased tremendously.

Would the revenue arising from the re-opening of tourism be sufficiently greater to cover the compensation/claims claimed by customers who have protection under natural catastrophe?

3) Tunepro has not been distributing Dividends since FY2019. As shareholder, I could see gradual improvement in the Company's operation.

Would the Board consider distributing Dividends after releasing Quarter Result? This is critical to prove that Tunepro has placed considerable care in ensuring shareholders' welfare is taken care of properly.

4) I understand that Tunepro is gradually going into Insuretech.

Would you be able to advise the expected timeline like when BNM will approve Tunepro's proposal to venture into the use of cloud base portal for insurance business as well as the expected timeline Tunepro will fully launch Insuretech? This is critical as to reduce cost and enhance efficiency.

Please note that I am very keen to discuss further with you should there be a channel to reach you. I am a serious shareholder. Kindly PM me your direct contact details at your convenience.

Regards,
Auditorandconsultant

庄家或大鳄每天玩野，大家坚持价值投资，稳稳拿着，不被小小波动给影响。不好被庄家玩野，吓到大家啊。庄家想要拿便宜票，想都别想啊。BAT是明日之星，只要低价买入，长期持有，必能立于不败之地。

大家加油吧，往20块的道理不难，看大家对BAT的信心有多大。

20块加油，每个季稳稳拿股息，袋袋平安。切记，不追高，长期持有，价值基本面投资肯定能走得更长远。

这个年底或一月，我深信有重头戏看。今年2021年全年成绩必定比往年好。

2020年1月给了普通股息和特别股息

我看好2022年可以给出的股息可以高达70-80cents ,大家拭目以待吧。

16块不是不可能的，期待更好的业绩

Anyway, Allianz is very much Undervalued.

No problem to buy and collect more at this price. I will just wait for Allianz to fly again

@Pinky

Happy right. Like what i said early in June 2021, just waiting for the Government to regulate Vape and E-Cigarette

Dividend for all upcoming quarters will only be higher and higher

Price for BAT will go up to RM20 in 2 months time.

Hold and Tighten your seat belt. Ready to FLY

天涯何处无芳草。真的太多人纠结在这里。没关系选择是自己的，时间成本也是自己承担。

马股有很多低估的二线优质股票，偏偏很多人视而不见。很多人偏偏喜欢去人多的地方，形成羊群效应。

大家拭目以待吧。

还继续持有股票的，加油。

Allianz is going to start its engine and fly high very soon. Slowly going up to RM13.18 from RM12.62 in mid of September 2021.

Those not yet invest but are keen to earn together, hopefully you can join us before Allianz price breaks RM14 soon

每天很像乌龟一样慢慢爬上来，但是引擎开始启动了，很快会突破RM14 ，看好年底或靠近宣布分股息的一月会突破RM16。大家一起赚钱啊。

记得慢就是快。富贵稳中求胜。大家一起效仿姜太公钓鱼愿者上钩。

Rambutan, valid question.

Yup, the existing share value will be affected to the extent of number of newly issued ordinary shares upon the conversion of preference shares.

When convertible preferred stock holders choose to convert their stocks to common stocks, the stocks they receive are newly issued. This increases the total number of common shares. Because the number of common shares increases while the value of the company remains the same, the value of existing shares goes down.

基本面价值投资是王道。我把股票投资当成长久的事业，会学习 Charlie Munger 说的，大钱之所以能赚多是等来的

我看好Allianz 会在今年年尾接近RM16, 没有买的人真的要快了

my funds used for investment ALL IN only two counters. You can imagine the quantities. BAT and Allianz as these two are very undervalued and they are slightly safer and I treat them as Sanctuary when US market is unstable right now

我走重仓路线，基本面价值投资。

Aim for RM16 by end of year 2021 and hope for Special Dividend. MCO during 2021, less claim and higher profit. Plus repricing in year 2021 will be the catalyst to push up the price to RM16.

Re-opening of economic activities means less default of premium and continuity of payment for insurance premium with higher consciousness for the need of insurance after this pandemic should be a driver for higher revenue and profit in upcoming years.

Stay tuned for good and positive news.

还没有买的人动作快了咯. Allianz 就飞了。我有很大的信心明天会继续飞，继续起价。

Hoseh 了咯，我等Special Dividend.真的飞了，没有骗人的啊

我正面分析了，年底或接近分股息的时候，我看好破RM16

the price is surging now as per my expectation when the price plummeted to below RM13

I expect Special Dividend and expect price to break or near to RM16 soon

记得记得，基本面价值投资路线不可以追高啊

凡事跟着自己设立的risk appetite

The engine has been started, today broke RM13.00 point.

Aim for RM16 by end of year 2021 and hope for Special Dividend.

MCO during 2021, less claim and higher profit. Plus repricing in year 2021 will be the catalyst to push up the price to RM16.

Re-opening of economic activities means less default of premium and continuity of payment for insurance premium with higher consciousness for the need of insurance after this pandemic should be a driver for higher revenue and profit in upcoming years.

Stay tuned for good and positive news.

Disclaimer: - Buy or Sell or Hold is your own decision and responsibility. The information above is only for sharing as it is my personal view or opinion; the above information shall not be construed or deemed as an advice for any investment or divestment decision.

Hoseh already.....

I am waiting for BAT to rise up to near to RM20 by end of this year

I could foresee Government to regulate Vape and E-Cigarette

Reduce tax on tobacco which will eventually result in higher tax revenue for LHDN.

BAT will be going to RM20 very soon

my 2 cents

Hoseh already.....

I am waiting for BAT to rise up to near to RM20 by end of this year