Posted by stockraider > 2023-07-04 13:15 | Report Abuse

Stop wasting time loh!

The only sustainable thing in investment is always value & nothing else loh!

The lower the undervalue u buy......the higher chances for u to succeed loh!

Posted by qqq47660 > 2023-07-04 13:44 | Report Abuse

Somebody call in the jail warden

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-04 16:13 | Report Abuse

14.3.2023 DLady

Name of 30 Largest Shareholders No. of Shares % of Holdings
1. FrieslandCampina DLMI Malaysia Holding B.V. ** 32,614,800 50.96
2. Citigroup Nominees (Tempatan) Sdn Bhd **
Employees Provident Fund Board
7,071,900 11.05
3. Amanahraya Trustees Berhad **
Amanah Saham Bumiputera
4,666,600 7.29
4. Amanahraya Trustees Berhad
Amanah Saham Malaysia
2,024,300 3.16
5. Maybank Nominees (Tempatan) Sdn Bhd
Maybank Trustees Berhad for Public Regular Savings Fund (N14011940100)
1,995,400 3.12
6. Public Nominees (Tempatan) Sdn Bhd
Pledged Securities Account for Aun Huat & Brothers Sdn Bhd (E-IMO/BCM)
753,400 1.18
7. Yong Siew Lee 577,000 0.90
8. Amanahraya Trustees Berhad
ASN Umbrella for ASN Equity 3
567,200 0.89
9. Amanahraya Trustees Berhad
Public Islamic Treasures Growth Fund
496,800 0.78
10. Yeo Khee Bee 442,900 0.69
11. Kumpulan Wang Persaraan (Diperbadankan) 384,200 0.60
12. Amanahraya Trustees Berhad
Amanah Saham Bumiputera 3 - Didik
200,000 0.31
13. Amanahraya Trustees Berhad
Public Dividend Select Fund
173,000 0.27
196
DUTCH LADY MILK INDUSTRIES BERHAD | INTEGRATED ANNUAL REPORT 2022
ANALYSIS OF SHAREHOLDINGS
Name of 30 Largest Shareholders No. of Shares % of Holdings
14. Chow Kok Meng 160,000 0.25
15. Yayasan Guru Tun Hussein Onn 156,300 0.24
16. Amanahraya Trustees Berhad
Public Islamic Emerging Opportunities Fund
132,200 0.21
17. Public Nominees (Tempatan) Sdn Bhd
Pledged Securities Account for Chan See Min Realty Sdn Bhd (E-KUG)
95,200 0.15
18. Tan Kim Onm 89,900 0.14
19. Citigroup Nominees (Tempatan) Sdn Bhd
Exempt an for OCBC Securities Private Limited (Client A/C-R ES)
86,300 0.13
20. Tan Lee Hwa 84,000 0.13
21. Citigroup Nominees (Asing) Sdn Bhd
CBNY for Emerging Market Core Equity Portfolio DFA Investment
Dimensions Group INC
83,400 0.13
22. UOB Kay Hian Nominees (Asing) Sdn Bhd
Exempt An for UOB Kay Hian PTE LTD (A/C Clients)
81,800 0.13
23. Yee Anne 81,200 0.13
24. Wong So-Ch’i 80,700 0.13
25. Wong So Haur 80,500 0.13
26. Tay Teck Ho 80,000 0.13
27. Citigroup Nominees (Asing) Sdn Bhd
CBNY for DFA Emerging Markets Small Cap Series
79,100 0.12
28. Chua Sim Hong 78,200 0.12
29. Tan Pak Nang 76,000 0.12
30. Lian Lee Choo 73,000 0.11
Total 53,565,300 83.70

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-04 16:15 | Report Abuse

15.3.2022 DLady

Name of 30 Largest Shareholders No. of Shares % of Holdings
1. FrieslandCampina DLMI Malaysia Holding B.V. ** 32,614,800 50.96
2. Citigroup Nominees (Tempatan) Sdn Bhd **
Employees Provident Fund Board
7,091,600 11.08
3. Amanahraya Trustees Berhad **
Amanah Saham Bumiputera
4,810,000 7.52
4. Maybank Nominees (Tempatan) Sdn Bhd
Maybank Trustees Berhad for Public Regular Savings Fund
(N14011940100)
1,995,400 3.12
5. Amanahraya Trustees Berhad
Amanah Saham Malaysia
1,609,600 2.52
6. Yong Siew Lee 584,000 0.91
7. Amanahraya Trustees Berhad
ASN Umbrella for ASN Equity 3
567,200 0.89
8. Amanahraya Trustees Berhad
Public Islamic Treasures Growth Fund
496,800 0.78
9. Yeo Khee Bee 442,900 0.69
10. Aun Huat & Brothers Sdn Berhad 416,500 0.65
11. Kumpulan Wang Persaraan (Diperbadankan) 384,200 0.60
12. Public Nominees (Tempatan) Sdn Bhd
Pledged Securities Account for Aun Huat & Brothers Sdn Berhad
(E-IMO/BCM)
336,900 0.53
161 Annual Report 2021
ANALYSIS OF
SHAREHOLDINGS
Name of 30 Largest Shareholders No. of Shares % of Holdings
13. Amanahraya Trustees Berhad
Amanah Saham Bumiputera 3 - Didik
200,000 0.31
14. Amanahraya Trustees Berhad
Public Dividend Select Fund
175,900 0.27
15. Chow Kok Meng 160,000 0.25
16. Yayasan Guru Tun Hussein Onn 156,300 0.24
17. Amanahraya Trustees Berhad
Public Islamic Emerging Opportunities Fund
132,200 0.21
18. Amanahraya Berhad
Kumpulan Wang Bersama Syariah
117,700 0.18
19. Public Nominees (Tempatan) Sdn Bhd
Pledged Securities Account for Chan See Min Realty Sdn Bhd (E-KUG)
100,000 0.16
20. HSBC Nominees (Tempatan) Sdn Bhd
HSBC (M) Trustee Bhd for Pertubuhan Keselamatan Sosial
(UOB AMM6939-406)
92,700 0.14
21. Tan Kim Onm 89,900 0.14
22. UOB Kay Hian Nominees (Asing) Sdn Bhd
Exempt An for UOB Kay Hian PTE LTD (A/C Clients)
87,200 0.14
23. Tan Lee Hwa 84,000 0.13
24. Citigroup Nominees (Tempatan) Sdn Bhd
Exempt an for OCBC Securities Private Limited (Client A/C-R ES)
83,300 0.13
25. Citigroup Nominees (Asing) Sdn Bhd
CBNY for Emerging Market Core Equity Portfolio DFA Investment
Dimensions Group INC
81,800 0.13
26. Yee Anne 81,200 0.13
27. Tay Teck Ho 80,000 0.13
28. Citigroup Nominees (Asing) Sdn Bhd
CBNY for DFA Emerging Markets Small Cap Series
79,100 0.12
29. Chua Sim Hong 78,200 0.12
30. Tan Pak Nang 76,000 0.12
Total 53,305,400 83.30

Posted by ahbah > 2023-07-04 16:56 | Report Abuse

Please analyse your data n draw your conclusions for us. Thanks.

Posted by qqq47660 > 2023-07-04 19:31 | Report Abuse

buy the fastest growing company u can find...and hope the stock market cycle is in your favor.

Posted by qqq47660 > 2023-07-04 19:31 | Report Abuse

Posted by stockraider > 6 hours ago | Report Abuse

Stop wasting time loh!

The only sustainable thing in investment is always value & nothing else loh!

The lower the undervalue u buy......the higher chances for u to succeed loh!
========================================


the death of many " investors" .very common.

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-04 22:41 | Report Abuse

Top 30 shareholding changes in DLady

Of these 30s, comparing their shareholding in 2023 to 2022:
1. 17 still own the same number of shares in 2023 as the previous year.
2. 7 sold some shares (small amount relative to their shareholdings).
3. 3 bought more shares compared with previous year.
4. 3 (2 funds and 1 individual) dropped out of the top 30s list and were replaced by new shareholders.


Conclusion:
Among the Top 30 shareholders in DLady, the overwhelming majority are still holding onto their shares. The share price of DLady has dropped significantly over that 1 year period.

Posted by Sslee > 2023-07-05 06:29 | Report Abuse

Stay with high quality growth companies. You will remain fine for the long term. Only sell when its fundamentals deteriorated beyond rescue.

The questions that beg to be answered: is Dlady still a growth companies? Did DLady fundamentals have deteriorated and now cannot compete with old peers and new comers?

Posted by sense maker > 2023-07-05 11:25 | Report Abuse

10-15 years ago, Dlady doubled in price every 5 years to RM30 a share. Then 3i said he would hold Dlady as it would double again to RM60, latest by 5 years ago. Today, 10 years have passed and Dlady didn’t rise to RM120, and settle at RM21 instead. 10 years of opportunity cost gone, plus RM9 losss.

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-05 17:20 | Report Abuse

>>>
Posted by sense maker > 5 hours ago | Report Abuse

10-15 years ago, Dlady doubled in price every 5 years to RM30 a share. Then 3i said he would hold Dlady as it would double again to RM60, latest by 5 years ago. Today, 10 years have passed and Dlady didn’t rise to RM120, and settle at RM21 instead. 10 years of opportunity cost gone, plus RM9 losss.
>>>>


Dutch Lady
2010 RM 14.00
2023 RM 22.34
R = (22.34 - 14.00 + Dividends) / 14.00
= (8.34 + 20.85) / 14.00
= 29.19 / 14.00
= 2.08x or 208%


=========

Successful long term investing is a very interesting for a small group of investors.

This morning, I had an interesting conversation with a typical investor. :-) She shared that she and her husband also invest in the stock market. She would buy a share and when this goes up by a certain amount, they will sell to pocket the gain. She mentioned one share they have "invested" was PBB. Imagine if they have the ability and discipline to buy PBB at below intrinsic value and never have to sell, it is probable that the gains will be much more than all the transactions they had on this stock. To understand this, restudy my post on compounding investing formula:

Simplified formula for compound interest:
A = P (1+r)^t

A = How much money you end up with
P = The amount of money you invest
r = The annual return your money earns while invested
t = The number of years your money is invested

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-05 17:30 | Report Abuse

When you invest in the stock market, always have an optimistic attitude. Those with a slightly optimistic attitude fair better than those who are always fearful and pessimistic.

Posted by Sslee > 2023-07-05 17:37 | Report Abuse

Warren Buffett once said, “The first rule of an investment is don't lose [money]. And the second rule of an investment is don't forget the first rule. And that's all the rules there are.”

So is Warren Buffett attitude optimistic or pessimistic?

Posted by Sslee > 2023-07-06 10:21 | Report Abuse

i3lurker,
Are you saying 3iii talks the talk but does not walk the walk?

Posted by i3lurker > Jul 5, 2023 6:35 PM | Report Abuse
Optimistic people get returns of 300,000%
Pessimistic people buy DLady

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-06 11:26 | Report Abuse

SSLee

My portfolio is extremely resilient. I am very happy with my investing philosophy. Hardly ever being rocked by other people's opinion (though noted).

At a certain price, a company is too expensive. At another, fairly valued. And at another price, even undervalued.

The milk industry faces challenges. The whole industry faces challenges. In the West, many are switching to non-dairy milk. There are issues of this industry contributing to climate change. Today, the costs of their raw products are very high. Margins have shrunk significantly. Are these permanent or temporary?

DLady is still growing its revenues. However, its profit margins have shrunk tremendously. It also faces a period of increasing capital expenditure. Its balance sheet remains strong.
Compared with Farm Fresh, it is so much cheaper and of higher quality.

Posted by ahbah > 2023-07-06 11:50 | Report Abuse

Thanks again.

Posted by qqq47660 > 2023-07-06 12:12 | Report Abuse

bought ffb 1.08

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-06 12:12 | Report Abuse

ahbah, you are welcomed.

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-06 12:28 | Report Abuse

CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 30-Jun-23 Disposed 13,100
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 28-Jun-23 Disposed 5,400
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 19-Jun-23 Disposed 14,700
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 15-Jun-23 Disposed 500,000
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 14-Jun-23 Disposed 50,000
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 12-Jun-23 Disposed 800
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 7-Jun-23 Disposed 7,000
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 1-Jun-23 Disposed 4,000
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 31-May-23 Disposed 200
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 30-May-23 Disposed 300
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 29-May-23 Disposed 10,400
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 18-May-23 Acquired 42,100
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 12-May-23 Acquired 9,000
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 5-May-23 Acquired 47,800
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 2-May-23 Disposed 2,500
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENTFUND BOARD 28-Apr-23 Disposed 4,100
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 27-Apr-23 Disposed 5,100
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 20-Apr-23 Disposed 8,400
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 18-Apr-23 Disposed 2,600
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD 14-Apr-23 Disposed 3,000
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEESPROVIDENTFUND BOARD 13-Apr-23 Disposed 10,000
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEESPROVIDENTFUND BOARD 12-Apr-23 Disposed 1,000
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEESPROVIDENTFUND BOARD 10-Apr-23 Disposed 3,900
CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENTFUND BOARD 6-Apr-23 Disposed 800

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-06 12:48 | Report Abuse

CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD

Date Type No. of Shares
30-Jun-23 Disposed 13,100
28-Jun-23 Disposed 5,400
19-Jun-23 Disposed 14,700
15-Jun-23 Disposed 500,000
14-Jun-23 Disposed 50,000
12-Jun-23 Disposed 800
7-Jun-23 Disposed 7,000
1-Jun-23 Disposed 4,000
31-May-23 Disposed 200
30-May-23 Disposed 300
29-May-23 Disposed 10,400
18-May-23 Acquired 42,100
12-May-23 Acquired 9,000
5-May-23 Acquired 47,800
2-May-23 Disposed 2,500
28-Apr-23 Disposed 4,100
27-Apr-23 Disposed 5,100
20-Apr-23 Disposed 8,400
18-Apr-23 Disposed 2,600
14-Apr-23 Disposed 3,000
13-Apr-23 Disposed 10,000
12-Apr-23 Disposed 1,000
10-Apr-23 Disposed 3,900
6-Apr-23 Disposed 800

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-06 12:53 | Report Abuse

From April 2023:

CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD

Disposed 647,300 shares
Acquired 98,900 shares

Net Disposal 548,400 shares

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-06 12:53 | Report Abuse

The above 3 posts refer to DLady

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-06 13:25 | Report Abuse

19-Jun-23 Disposed 14,700
15-Jun-23 Disposed 500,000
14-Jun-23 Disposed 50,000

CITIGROUP NOMINEES (TEMPATAN) SDN BHD EMPLOYEES PROVIDENT FUND BOARD
Disposed 554,700 shares over these 3 days.

Posted by DickyMe > 2023-07-06 16:02 | Report Abuse

YES! Death is CERTAIN!
It cums abruptly at the most earnest moment whether you are about to cum, waiting for your EPF withdrawal, waiting to collect the lottery prize or even on first night with your third mistress.

Posted by i3lurker > 2023-07-06 16:30 | Report Abuse

maybe you could amend that with a Foursome with your third, fourth and fifth mistress

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-12 15:09 | Report Abuse

Banking Stocks

Per share …. 2010 (RM) …. 2023 (RM) …. Div (sen) …. Earnings (sen) …. Period Gains (RM) …. Period Gains (%)
AMMB …. 5.8 …. 3.58 …. 213.3 …. 428.76 …. -0.09 …. -1.5
Affin Bank …. 2.73 …. 1.86 …. 126.2 …. 333.73 …. 0.39 …. 14.4
CIMB …. 7.47 …. 5.21 …. 268.94 …. 495.74 …. 0.43 …. 5.7
BIMB …. 0.95 …. 1.96 …. 113.85 …. 304.44 …. 2.15 …. 226.2
RHB …. 5.16 …. 5.44 …. 232.97 …. 690.03 …. 2.61 …. 50.6
PBB …. 2.32 …. 3.87 …. 156.25 …. 295.01 …. 3.11 …. 134.2
MBB …. 8.31 …. 8.74 …. 700 …. 817.68 …. 7.43 …. 89.4
HLFG …. 8.13 …. 17.34 …. 451 …. 1667.74 …. 13.72 …. 168.8
HLB …. 8.16 …. 18.9 …. 498.61 …. 1257.09 …. 15.73 …. 192.7

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-12 15:14 | Report Abuse

Ranking the returns of banking stocks for the period 2010 to 2023, from the highest returns to the lowest returns in decending order:

BIMB 226.2%
HLB 192.7%
HLFG 168.8%
PBB 134.2%
MBB 89.4%
RHB 50.6%
Affin 14.4%
CIMB 5.7%
AMMB -1.5%

I have 3 banking stocks for a long time, and these are among the top 5 in this list.

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-12 15:15 | Report Abuse

PLANTATION STOCKS

Company …. 2010 (RM) …. 2023 (RM) …. DIV (sen) …. Return %
INNO …. 0.45 …. 1.23 …. 57.5 …. 301%
KMLOONG …. 0.73 …. 1.77 …. 75.56 …. 246%
UTDPLT …. 7.76 …. 15.48 …. 838.83 …. 208%
FAREAST …. 1.67 …. 3.7 …. 72.89 …. 165%
BLDPLNT …. 4.51 …. 10.5 …. 58.33 …. 146%
BKAWAN …. 13.63 …. 20.76 …. 845 …. 114%
KRETAM …. 0.32 …. 0.6 …. 6.7 …. 108%
MHC …. 0.63 …. 0.89 …. 27.87 …. 86%
TSH …. 0.76 …. 0.92 …. 44.1133 …. 79%
GOPENG …. 0.48 …. 0.34 …. 38.21 …. 50%

FD .... 1.00 .... 1.00 .... 36 ... 36%

CHINTEK …. 8.11 …. 7.92 …. 314 …. 36%
IOI …. 4.18 …. 3.73 …. 154.84 …. 26%
SBAGAN …. 2.7 …. 3.25 …. 5.82 …. 23%
CEPAT …. 0.78 …. 0.68 …. 26 …. 21%
HSPLANT …. 2.7 …. 1.86 …. 134 …. 19%
UMCCA …. 6.35 …. 5.08 …. 225.83 …. 16%
GENP …. 6.94 …. 5.9 …. 167.42 …. 9%
NSOP …. 4.87 …. 3.55 …. 135 …. 1%
SOP …. 3.06 …. 2.45 …. 46.58 …. -5%
TDM …. 0.36 …. 0.18 …. 15.84 …. -6%
JTIASA …. 1.18 …. 0.69 …. 14.37 …. -29%
RSAWIT …. 0.45 …. 0.14 …. 3.73 …. -61%



Company …. [YEAR] (RM) …. 2023 (RM) …. DIV (sen) …. Return %
FGV …. [2012] 5.03 …. 1.45 …. 54 …. -60%
BPLT …. [2014] 1.11 …. 0.93 …. 45.29 …. 25%
SIMEPLT …. [2017] 5.29 …. 4.15 …. 43.2 …. -13%


Ranking the returns of banking stocks for the period 2010 to 2023, from the highest returns to the lowest returns in decending order:

BIMB 226.2%
HLB 192.7%
HLFG 168.8%
PBB 134.2%
MBB 89.4%
RHB 50.6%
Affin 14.4%
CIMB 5.7%
AMMB -1.5%

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-12 15:25 | Report Abuse

Banking stocks

Total Dividends and Total Earnings per share from 2010 to 2022. Also, their Dividend Payout Ratios.

Per share …. Div (sen) …. Earnings (sen) …. DPO Ratio
AMMB …. 213.3 …. 428.76 …. 0.50
Affin Bank …. 126.2 …. 333.73 …. 0.38
CIMB …. 268.94 …. 495.74 …. 0.54
BIMB …. 113.85 …. 304.44 …. 0.37
RHB …. 232.97 …. 690.03 …. 0.34
PBB …. 156.25 …. 295.01 …. 0.53
MBB …. 700 …. 817.68 …. 0.86
HLFG …. 451 …. 1667.74 …. 0.27
HLB …. 498.61 …. 1257.09 …. 0.40

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-12 15:26 | Report Abuse

1. Great minds talk about ideas
2. Good minds talk about things
3. Weak minds talk about people

:-)

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-12 16:17 | Report Abuse

Returns of Insurance Stocks from 2010 to 2023

Insurance Stocks
Per share …. 2010 (RM) …. 2023 (RM) …. Div (sen) …. Earnings (sen) …. Gains (RM) …. Gains (%)
Allianz …. 3.86 …. 14.2 …. 291.45 …. 1228.38 …. 13.25 …. 343.4
LPI …. 6.96 …. 11.9 …. 692.06 …. 906.23 …. 11.86 …. 170.4
Manulife …. 2.86 …. 1.93 …. 129 …. 262.67 …. 0.36 …. 12.6
MNRB …. 1.3 …. 0.97 …. 47.4 …. 283.89 …. 0.14 …. 11.1
P&O …. 0.78 …. 1 …. 90.85 …. 64.85 …. 1.13 …. 144.7
Takaful …. 0.27 …. 3.39 …. 135 …. 337.32 …. 4.47 …. 1655.6
Tunepro (2013) …. 1.74 …. 0.39 …. 24.1 …. 58.43 …. -1.11 …. -63.7



Per share …. Div (sen) …. Earnings (sen) …. DPO Ratio
Allianz …. 291.45 …. 1228.38 …. 0.24
LPI …. 692.06 …. 906.23 …. 0.76
Manulife …. 129 …. 262.67 …. 0.49
MNRB …. 47.4 …. 283.89 …. 0.17
P&O …. 90.85 …. 64.85 …. 1.40
Takaful …. 135 …. 337.32 …. 0.40
Tunepro (from 2013) …. 24.1 …. 58.43 …. 0.41

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-12 16:24 | Report Abuse

From 2010 to 2023, ranking insurance companies, from highest to lowest returns:
Takaful 1655.6%
Allianz 343.4%
LPI 170.4%
P&O 144.7%
Manulife 12.6%
MNRB 11.1%

From 2013 to 2023
Tunepro -63.7%

FD return from 2010 to 2023: 36%

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-12 16:25 | Report Abuse

It is always better to hold stocks long term than to hold FDs. Once you have managed the risks, the upsides take care of themselves.

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-12 17:40 | Report Abuse

Telecommunication Service Provider Stocks
Per share …. 2010 (RM) …. 2023 (RM) …. Div (sen) …. Earnings (sen) …. Gains (RM) …. Gains (%)
Axiata …. 3.95 …. 2.55 …. 180 …. 176.03 …. 0.40 …. 10.1
CDB (Celcom-Digi) …. 2.35 …. 4.18 …. 264.77 …. 245.13 …. 4.48 …. 190.5
Gpacket …. 1 …. 0.04 …. 0 …. -49.72 …. -0.96 …. -96.0
Maxis …. 5.32 …. 4 …. 364 …. 304.91 …. 2.32 …. 43.6
OCK (2012) …. 0.22 …. 0.4 …. 2.2 …. 28.07 …. 0.20 …. 91.8
Timecom …. 0.74 …. 5.26 …. 109.81 …. 203.33 …. 5.62 …. 759.2
TM …. 2.93 …. 4.86 …. 228.2 …. 291.72 …. 4.21 …. 143.8



Per share …. Div (sen) …. Earnings (sen) …. DPO Ratio
Axiata …. 180 …. 176.03 …. 1.02
CDB (Celcom-Digi) …. 264.77 …. 245.13 …. 1.08
Gpacket …. 0 …. -49.72 …. 0.00
Maxis …. 364 …. 304.91 …. 1.19
OCK (2012) …. 2.2 …. 28.07 …. 0.08
Timecom …. 109.81 …. 203.33 …. 0.54
TM …. 228.2 …. 291.72 …. 0.78

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-12 17:45 | Report Abuse

Ranking the returns of Telecommunication Service Providers stocks from 2010 to 2013, from highest to lowest:

Timecom 759.2%
CDB (Celcom-Digi) 190.5%
TM 143.8%
OCK (2012) 91.8%
Maxis 43.6%
Axiata 10.1%
GPacket -96.0%

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-12 17:48 | Report Abuse

Always buy with a margin of safety. You should buy at a price so low that probility of the upside gain will be many times the downside loss.

Many of the above stocks have given positive gains over the long period from 2010 to 2023. However, their share prices are volatile. Historically, prices of these stocks fluctuated hugely. It was not uncommon to see stock prices going up 50% and dropping the equivalent 1/3rd over a 52 weeks period.

Thus, you may entertain a loss because you have paid too high to own a stock, though the stock has given a positive return during the same investing period.

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-13 11:42 | Report Abuse

It is the long term investments in the stock market that do well. If you invest like a gambler in a casino, you are not likely to do well.

Charlie Munger 👍👍👍

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-13 17:01 | Report Abuse

Property counters

Name …. Price 2010 …. Price 2023 …. Price Chg% …. DY%
HCK [s] …. 0.04 …. 2.180 …. 5350.00% …. 0
LBICAP [s] ….(2015) 0.03 …. 0.485 …. 1516.67% …. 4.12
RAPID …. 1.68 …. 21.420 …. 1175.00% …. 0
ECOWLD [s] …. 0.07 …. 0.870 …. 1142.86% …. 5.75
IDEAL [s] …. 0.25 …. 2.120 …. 748.00% …. 0
MENANG [s] …. 0.09 …. 0.730 …. 711.11% …. 0
PTT [s] …. 0.16 …. 1.040 …. 550.00% …. 0
TANCO [s] …. 0.09 …. 0.535 …. 494.44% …. 0
YNHPROP [s] …. 1.27 …. 5.050 …. 297.64% …. 0
IGBB …. 0.62 …. 2.100 …. 238.71% …. 1.59
SMI [s] …. 0.24 …. 0.810 …. 237.50% …. 0
ECOFIRS [s] …. 0.1 …. 0.335 …. 235.00% …. 0
OIB [s] …. 0.36 …. 1.160 …. 222.22% …. 4.31
MUH [s] …. 0.21 …. 0.500 …. 138.10% …. 0
KPPROP [s] …. 0.28 …. 0.650 …. 132.14% …. 4.62
AYER [s] …. 3.18 …. 7.100 …. 123.27% …. 2.82
EUPE [s] …. 0.46 …. 0.845 …. 83.70% …. 2.13
NCT [s] …. 0.2 …. 0.365 …. 82.50% …. 0
MATRIX [s] ….(2013) 0.79 …. 1.400 …. 77.22% …. 5.89
IBRACO [s] …. 0.31 …. 0.530 …. 70.97% …. 3.77
LBS [s] …. 0.28 …. 0.465 …. 66.07% …. 0
TROP [s] …. 0.81 …. 1.330 …. 64.20% …. 0
SBCCORP [s] …. 0.32 …. 0.525 …. 64.06% …. 0
EWEIN [s] …. 0.75 …. 1.190 …. 58.67% …. 0.42
SHL [s] …. 1.25 …. 1.950 …. 56.00% …. 4.62
SUNSURIA [s] …. 0.28 …. 0.435 …. 55.36% …. 0
PLB [s] …. 0.72 …. 1.060 …. 47.22% …. 0
CVIEW [s] …. 0.63 …. 0.900 …. 42.86% …. 7.78
KEN [s] …. 0.36 …. 0.500 …. 38.89% …. 0
MKH [s] …. 0.91 …. 1.260 …. 38.46% …. 3.17
BCB [s] …. 0.21 …. 0.290 …. 38.10% …. 0
OSK …. 0.82 …. 1.070 …. 30.49% …. 5.61
KSL [s] …. 0.64 …. 0.815 …. 27.34% …. 0
IBHD [s] …. 0.2 …. 0.245 …. 22.50% …. 0
MUIPROP [s] …. 0.14 …. 0.170 …. 21.43% …. 5.88
MALTON [s] …. 0.33 …. 0.400 …. 21.21% …. 0
GMUTUAL [s] …. 0.24 …. 0.290 …. 20.83% …. 1.72
TAMBUN [s] ….(2011) 0.75 …. 0.885 …. 18.00% …. 6.67
THRIVEN [s] …. 0.09 …. 0.105 …. 16.67% …. 0
HUAYANG [s] …. 0.22 …. 0.250 …. 13.64% …. 0
PARAMON [s] …. 0.74 …. 0.840 …. 13.51% …. 21.43
SEAL …. 0.42 …. 0.460 …. 9.52% …. 0
BJASSET …. 0.27 …. 0.290 …. 7.41% …. 0
ASIAPAC [s] …. 0.1 …. 0.100 …. 0.00% …. 0
MJPERAK [s] …. 0.26 …. 0.260 …. 0.00% …. 0
CRESNDO [s] …. 1.2 …. 1.180 …. -1.67% …. 4.24
LIENHOE …. 0.29 …. 0.285 …. -1.72% …. 0
SKYWLD [s] ….(2023) 0.8 …. 0.730 …. -8.75% …. 4.11
RADIUM [s] ….(2023) 0.39 …. 0.355 …. -8.97% …. 2.82
SAPRES [s] …. 0.5 …. 0.455 …. -9.00% …. 0
JIANKUN [s] …. 0.23 …. 0.200 …. -13.04% …. 0
JKGLAND [s] …. 0.11 …. 0.095 …. -13.64% …. 0
PASDEC [s] …. 0.36 …. 0.300 …. -16.67% …. 0
Y&G [s] …. 0.76 …. 0.605 …. -20.39% …. 0
MAXIM [s] …. 0.24 …. 0.185 …. -22.92% …. 5.41
MPHBCAP ….(2013) 1.37 …. 1.040 …. -24.09% …. 43.27
FARLIM [s] …. 0.28 …. 0.210 …. -25.00% …. 0
MAHSING [s] …. 0.87 …. 0.635 …. -27.01% …. 4.72
SDRED [s] …. 0.61 …. 0.445 …. -27.05% …. 0
PLENITU [s] …. 1.33 …. 0.935 …. -29.70% …. 2.67
CHHB [s] …. 0.6 …. 0.400 …. -33.33% …. 0
GOB [s] …. 0.35 …. 0.230 …. -34.29% …. 0
ARK [s] …. 0.4 …. 0.260 …. -35.00% …. 0
UOADEV [s] ….(2011) 2.52 …. 1.580 …. -37.30% …. 6.33
SYMLIFE [s] …. 0.56 …. 0.320 …. -42.86% …. 0
GUOCO [s] …. 1.09 …. 0.620 …. -43.12% …. 3.23
IWCITY [s] …. 0.66 …. 0.375 …. -43.18% …. 0
EWINT [s] ….(2017) 1.24 …. 0.630 …. -49.19% …. 0
GLOMAC [s] …. 0.65 …. 0.320 …. -50.77% …. 4.69
YONGTAI [s] …. 0.88 …. 0.430 …. -51.14% …. 0
MAGNA [s] …. 0.91 …. 0.430 …. -52.75% …. 0
BDB [s] …. 0.61 …. 0.280 …. -54.10% …. 1.64
DPS [s] …. 0.19 …. 0.085 …. -55.26% …. 0
IOIPG ….(2014) 2.64 …. 1.150 …. -56.44% …. 3.48
SIMEPROP [s] ….(2017) 1.2 …. 0.490 …. -59.17% …. 4.08
MKLAND [s] …. 0.39 …. 0.155 …. -60.26% …. 0
E&O [s] …. 0.83 …. 0.325 …. -60.84% …. 0
ENRA [s] …. 1.57 …. 0.580 …. -63.06% …. 0
PGLOBE [s] …. 0.4 …. 0.145 …. -63.75% …. 0
TITIJYA [s] ….(2013) 0.78 …. 0.260 …. -66.67% …. 0
BERTAM [s] …. 0.26 …. 0.085 …. -67.31% …. 0
PARKWD [s] …. 0.4 …. 0.130 …. -67.50% …. 0
L&G [s] …. 0.35 …. 0.105 …. -70.00% …. 4.76
ENCORP [s] …. 0.96 …. 0.255 …. -73.44% …. 0
UEMS [s] …. 1.29 …. 0.340 …. -73.64% …. 1.47
MRCB [s] …. 1.29 …. 0.330 …. -74.42% …. 3.03
NAIM [s] …. 3.48 …. 0.850 …. -75.57% …. 0
SPSETIA [s] …. 2.45 …. 0.585 …. -76.12% …. 2.51
LAGENDA [s] …. 5.25 …. 1.170 …. -77.71% …. 5.56
AXTERIA [s] …. 0.78 …. 0.155 …. -80.13% …. 0
PHB [s] …. 0.03 …. 0.005 …. -83.33% …. 0
MERIDIAN [s] …. 0.46 …. 0.075 …. -83.70% …. 0
ACME [s] …. 1.35 …. 0.205 …. -84.81% …. 0
WMG …. 0.56 …. 0.085 …. -84.82% …. 0
AVALAND [s] …. 1.29 …. 0.185 …. -85.66% …. 0
TALAMT [s] …. 0.12 …. 0.015 …. -87.50% …. 0
IVORY [s] …. 0.93 …. 0.085 …. -90.86% …. 0
SNTORIA ….(2013) 0.67 …. 0.060 …. -91.04% …. 0
TWL [s] …. 0.53 …. 0.035 …. -93.40% …. 0

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-13 17:23 | Report Abuse

Property counters: How are shareholders rewarded? How exciting are property counters in terms of investment returns?
Property counters

1. Land held for development.

2. Land being developed and properties for sale.

3. Investment properties held for rental income.



How are shareholders rewarded?

After successful development and realisation of profits from the projects, the property counter may choose to reward the shareholders by paying half their earnings as dividends.

The investment income from properties held as investment can also be partially disbursed as dividends.

[How exciting are property counters in terms of investment returns?]

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-13 17:28 | Report Abuse

Valuing Real Estate Developers

A common method to value real estate developers is using the Revalued Net Asset Value ("RNAV") approach which basically determines the net asset value of a real estate developer by adding up

the change in value of the investment properties held by the company,
the surplus value of properties held for development using Discounted Cash Flow method and
the net asset value of the company with any other adjustments that are deemed necessary.


Usually a discount or premium percentage is multiplied with the RNAV base on the developers other qualities such as management capabiltiies, branding, track record, etc. A smaller developer with poor record of continuously generating consistent income is usually given a significant discount to its RNAV.

Using the RNAV approach only takes into account of what the developer can earn with the assets that it has in its books at the time of the valuation. If properly applied, it is usually more conservative than the market approach such as P/E multiples.

However, to use this method, it requires a lot of work in revaluing the properties held by the developer, making it difficult to implement by most people as information needed to determine RNAV needs some skill in obtaining.

The price earnings ratio method could also be useful to cross check the RNAV method.

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-13 17:29 | Report Abuse

How to analyze real estate developers
How to analyze real estate developers

Real estate stocks make up a significant number of companies in Asian stock exchanges and many of them are among the the most volatile stocks. Whether the real estate developer is listed or not, they are influenced by a host of cyclical factors ranging from government policies, interest rates, unemployment rates, affordability, etc. Hence, it is important to understand how real estate companies can be analyzed.


Profit Model

Real estate industry can be separated into the following sub-industries or types of real estate developers:

Residential real estate developers
Commercial and mixed use real estate developers
Industrial real estate developers

Profit model of residential real estate developers

Residential real estate developers are more dependent on economies of scale than ever because of increasing land prices and declining rate of increase in residential property prices. In many developing countries, developers used to be able to acquire land at cheap prices and hope for rapid increase in home prices to make huge profits. In developed countries, land prices are higher, and price increases are more muted. Hence, brands and good management are playing an increasingly important role.


Profit model of commercial real estate developers

As prime real estate for commercial developments become more scare, commercial real estate developers tend to prefer to have rental incomes rather than selling units so that they can have consistent income and manage the properties. These developers are also more likely to sell their commercial properties to real estate investment trusts to free up capital and many are REITs that also develop properties.


Profit model of industrial real estate developers

Industrial real estate developers operate more like commercial real estate developers as they seek to have stable rental incomes and also sometimes selling their properties. Some industrial estate developers might even have a fund to invest in promising industrial companies so as to achieve higher profits.



Factors that Affect Value


1. Land bank - the value of a real estate developer is directly influenced by its land bank. As the larger the land bank, usually means the developer can make more profits from developing the land banks later. Hence, the land bank that a real estate company has is always disclosed in detail in the listed companies' reports.

2. Inventories - Real estate inventories can be separated into a few categories. Usually increasing values of construction-in-progress and land held for development will translate to higher future earnings for the company:
Completed developments - properties whose construction has been completed
Construction-in-progress - means the value of properties under construction.
Land held for development - value of land help for future developments.
Investment properties - properties held for rent or sale

3. Customers deposits - for residential projects, it is often that developers will collect customers deposits or even prepayments of entire houses prior to completion of the units. As these properties are pre-sold and their profit and loss have yet to be recognized in the income statement, growing customer deposits could signal increasing revenue and most likely profits in the coming years ahead.

4. Housing prices - the profits from real estate developers that primarily sell their developments come from selling the units at above costs. Hence, the moving of housing prices have direct impact on the profitability of residential real estate developers. Usually the stock price of real estate developers have high correlation with the anticipated housing price direction.

5. Rental rates - Rental rates are especially important for commercial and industrial real estate developers as most of them do not sell all the units that they developed but they keep these units for rental returns. Rental rates have direct bearing on stock prices of such developers and REITs.

6. Industry consolidation - as economic difficulties mount and economies of scale becomes more important, mergers and acquisition activities will also drive prices of real estate companies as the merged entities might be more efficient given a larger land bank.

7. Macro economic factors - government policies play a huge role in controlling property prices as the following factors will determine the direction of property prices. We have listed

Factor Movement Likely Effects
Interest rates Up Negative
Land supply Down Positive on short term price but will affect future
profitability if land bank dries up
Loan Quantum Up Positive
Reserve ratio Up Negative
GDP Up Positive
Unemployment Up Negative

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-13 17:32 | Report Abuse

In general, I avoid the property sector.

Posted by stockraider > 2023-07-14 10:50 | Report Abuse

Do not avoid property sector bcos it is coming back loh!

But avoid over leverage property sector stock...& be very selective mah!

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-14 16:20 | Report Abuse

Of the 99 property stocks, the majority (70%) delivered negative returns to the shareholders over a 10 year period.

Unless analysing this property business is within your circle of competence, it is better to avoid this sector altogether.

Moreover, there are so many ways for creative accounting in property development and construction industries.

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-14 16:23 | Report Abuse

Name …. Price 2010 …. Price 2023 …. Price Chg% …. DY%
IBHD [s] …. 0.2 …. 0.245 …. 22.50% …. 0

For those who have invested in iBHD, the returns on your investment are less than your risk free interest rate for the same period. This is despite the company having completed so many upscale buildings in their prime land in the Klang Valley.

Where are the profits for the shareholders?

Posted by Sslee > 2023-07-14 16:29 | Report Abuse

3iii is right on property stock.
My bad experience with KSL. Company profitable but refuse to pay dividend to shareholders meanwhile the three brothers ED paying themselve fat cat salarly and benefit.

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-14 17:04 | Report Abuse

REITS

Name …. Price (2010) …. Price (2023) …. Gains/Loss % …. DY …. MCap.(M)
KLCC [s] …. 3.31 …. 6.83 …. 106.3% …. 5.56 …. 12330.42
AXREIT [s] …. 0.97 …. 1.82 …. 87.6% …. 5.36 …. 3168.72
ATRIUM …. 0.9 …. 1.4 …. 55.6% …. 5.86 …. 371.77
ALAQAR [s] …. 1 …. 1.24 …. 24.0% …. 6.53 …. 1041.1
IGBREIT ….(2012) 1.39 …. 1.67 …. 20.1% …. 5.9 …. 6002.4
SUNREIT …. 1.3 …. 1.55 …. 19.2% …. 5.95 …. 5308.45
YTLREIT …. 0.86 …. 0.975 …. 13.4% …. 4.05 …. 1661.78
AMEREIT [s] ….(2022) 1.15 …. 1.24 …. 7.8% …. 3.06 …. 647.37
PAVREIT ….(2011) 1.24 …. 1.24 …. 0.0% …. 6.75 …. 4524.66
KIPREIT ….(2017) 1 …. 0.9 …. -10.0% …. 7.56 …. 545.72
UOAREIT …. 1.26 …. 1.13 …. -10.3% …. 7.63 …. 763.43
SENTRAL …. 1.04 …. 0.83 …. -20.2% …. 8.22 …. 889.58
HEKTAR …. 1.1 …. 0.65 …. -40.9% …. 12.31 …. 324.21
ARREIT …. 0.85 …. 0.455 …. -46.5% …. 7.47 …. 260.81
CLMT …. 0.98 …. 0.5 …. -49.0% …. 8.02 …. 1349.05
ALSREIT [s] ….(2015) 1 …. 0.48 …. -52.0% …. 5.21 …. 278.4
TWRREIT …. 1.14 …. 0.435 …. -61.8% …. 4.25 …. 122.02
AMFIRST …. 0.95 …. 0.34 …. -64.2% …. 7.94 …. 233.38
IGBCR ….(2012) 1.67 …. 0.5 …. -70.1% …. 6.84 …. 1174.72

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-14 17:05 | Report Abuse

Of the 19 REITS, the one that stands out from the rest is KLCC. No brainer.

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-14 17:23 | Report Abuse

What are the Risks of Investing in Real Estate Investment Trusts?

Of course, nothing in this life is guaranteed, and that includes real estate investment trusts.

REITs are more than just a pile of properties, they are active businesses, and subject to business risks. It's a testimony to the industry, however, that over the years only a handful have gotten into deep financial trouble.

According to Ralph L. Block in Investing in REITs, those real estate trusts that have gotten into trouble have done so primarily due to
- excessive debt leverage,
- poor allocation of capital resources, and
- questionable transactions with directors or major stockholders.

That's for individual REITs. As an industry, their businesses are subject to two particular risks no matter how well managed they are (though good management can succeed despite these dangers).

1. Overbuilding or excess capacity, or overdevelopment.
2. High interest rates

Posted by Integrity. Intelligent. Industrious. 3iii (iiinvestsmart)$€£¥ > 2023-07-14 17:25 | Report Abuse

REITs - Selecting REITs
Choosing a good REIT is like choosing any other value investment.

Assets = Real Estate
Debt = Debt
Returns = Rents + other payments received on the portfolio.

An investor must analyze and compare a REIT's:

management quality,
real and anticipated returns,
yields, growth,
reserves, and
asset values.

Many of the techniques for common stock can be put to work here.