Posted by qqq3 > Jul 29, 2018 03:06 PM | Report Abuse
stock raider
I do have a problem..... Market so bearish, I don't know how to trade.
to make money, one has to be positive , have an optimistic outlook....I try to be...but so difficult.....with Trump and his trade war......I also don't know when I can change my attitude.

ME: I THOUGHT YOU HAVE BEN SAYING SO CONFIDENTLY YOU WOULD HAVE RM200M IN YOUR TRADING ACCOUNT IN 15 YEARS TIME? WITH THIS NEGATIVE VIEW, PESSIMISTIC OUTLOOK, HOW?

I keep my brain cells working by poking at the dogmatic fellows....I think it is fun...and doing some CSR too.

ME: PLEASE CARRY ON. I HAVE FUN EXPOSING YOUR LIES TOO WITH ALL YOUR TALKING COCK. YOU KNOW HOW YOU HAVE BEEN EXPOSED AS AN IGNORANT, TALK NONSENSE, TALK EMPTY, TALK BIG WITH NOTHING, BIG PLP, MISERABLE INDIVIDUAL?

challenge every assumption.....that is surprisingly enjoyable....and rewarding.

ME: BUT WHATEVER YOU SAID, OR CHALLENGE HAS NO SUBSTANCE AT ALL, NOTHING ABSOLUTELY. AS A RESULT, YOU BECOME A LAUGHING STOCK WITHOUT EVEN REALIZING YOURSELF!

I am bearish...doesn't mean I am correct....maybe he who margins and sailang a certain stock on Monday makes a lot of money......that also can be.......

ME; SEE ANOTHER EMPTY, USELESS TALK.

Posted by stockraider > Jul 28, 2018 06:04 PM | Report Abuse
The example quoted by kc....did not take into account....when cutloss are automated triggered when the share fell drastically.
KC assume...margin investors hold dumb dumb forever loh...!!
The conclusion raider says, it is not wrong using margin....but make sure u r stock selection competent and have good risk management loh...!!


This sentence appears two thirds way in my article,

"The above examples are simplistic, as things like margin calls will come in and loss would be realized earlier, but it does show the peril or horror of using OPM."

Anywhere, we had argued about this many times before and I do not wish to quarrel with you again. After all this seems to be the only thing we have been disagreeing.

By the way, I will continue to write articles when seeing people encouraging the public to use margin, as a social contribution. You may continue to encourage the use of margin finance. No problem for me.

Posted by qqq3 > Jul 29, 2018 08:25 AM | Report Abuse
kc
I am a trader.....Trading is in my blood, I enjoy trading....There is no reason for me to take money out of my EPF account.....Trading is an attitude too....Having money in EPF frees me to focus in trading.....its a great asset. Posted by qqq3 > Jul 29, 2018 08:40 AM | Report Abuse

kc...
forget about me....why u so fascinated with only Jaks and Sendai? The market has more than a 1000 counters....Huge huge world out there......
as far as Jaks and Sendai is concerned....To the best of my memory....I make a fair bit of money from Jaks and Sendai.


Just that I don't understand what you said and what you did. You said Jaks and Sendai were wonderful investments for long term when they were selling at RM1.80+ and RM1.30+ respectively. Your master told you they were for long term, right? They are now RM1.10 and 89 sen. But you claimed you tripled your RM100k already. How?

You shout sailang and margin finance, all the time propagate it in i3investor, and you were confident to worth RM200m before 80. But you dare not take out your RM1m (?) EPF money, and double it with a margin of another RM1m margin, but just with RM100k?

Yeah lah, I agree with you, forget about you. Wasting time.

Posted by qqq3 > Jul 29, 2018 01:05 AM | Report Abuse
kc
I want to warn you about dependency culture.
dependency culture is the enemy culture if you want success.


I grew up from a Kampong. They say we were "given birth by the heaven, and fed by the heaven." I didn't even depend much on my parents when small.

I have a relative who is a taxi driver. He works hard, and honest. He is doing reasonably okay in his life.

But if you wants to be a part time taxi driver, work only occasionally, and hope for a big tip from a rich passenger, only one passenger, that is dependency culture.

Yes, agree with what you said here.

Posted by qqq3 > Jul 29, 2018 01:05 AM | Report Abuse
kc
U still don't understand....I wrote what is obvious....very obvious.
Why u want to challenge some thing that is very obvious?


Obvious?

You said you triple your RM100k in 18 months, but all evidences in i3investor show that your 3 portfolios were making losses for the first one in two years, gaining 8.4% for the second one in 18 months, and the last one 12%.

You were shouting sailang, margin finance, asking everyone to do so, but you only punt with RM100k only starting from 18 months ago?

You were so confident in two stocks, Jaks and Sendai the last 18 months, and asking forumers to sailang with margin finance, all in them, but from punting with RM100k, that is hardly a sailang action of yours.

Or have you actually sailang with margin in the two stocks above with even your EPF money since 18 months ago, that you have tripled your bet now? But how?

So, it is all obvious?

Posted by qqq3 > Jul 28, 2018 07:20 PM | Report Abuse
I once told XXX...my wife invests in Reits...He told me...you mad or what? You mean you accountant cannot invest and get better return than reits and bank interest of 5% p.a. for margin account?
I thought about it.....and XXX makes sense.....

Posted by qqq3 > Jul 28, 2018 10:29 PM | Report Abuse
pessimistic attitude
negative attitude
how to achieve any thing?


Why are you still leave your RM1.0m in your EPF account as claimed by you, with a meager interest of 6%?

Why haven't you taken that out, pledge that with the bank to get another RM1.0m, and sailang it all in Jaks 18 months ago, such that your RM2.1m has become RM6.3m now?

Why are you so stupid one?

Or are you just talk only but no action?

What good is it to be spending all your time as a NATO in i3investor?

Posted by qqq3 > Jul 28, 2018 06:25 PM | Report Abuse
I have never known any successful people who do not Sialang ...even Wallen the Buffalo sailang before he become famous...sailang in a bankrupt textile company.

Posted by qqq3 > Jul 28, 2018 08:06 PM | Report Abuse
attitude is every thing.
don't have the right attitude, how to be rich? how to achieve any thing?
right attitude to be successful in any thing....positive attitude, optimistic.......
if finally fail at least can say have tried...have given yourself a chance.


yeah yeah yeah.From all your comments, it is hard to think that you are not one with positive attitude and that you have not sailang what you have, and more with margin finance. It is hard to fathom that you haven't achieved a wealth of multi-million Ringgit at the age of 60+.

So please enlighten us, and better still, share with us in an article, how you sailang and use margin finance and achieve your multi-million status.

Well, we all have read heaps of your comments, shouting sailang on Jaks and Sendai, and no any other stocks, your positive attitude, and confidence in your punting ability.

Let us first know how you were able to triple your RM100k to RM300k in 18 months sailanging any of these two stocks, or a portfolio of these two stocks, as claimed by you.

Posted by qqq3 > Jul 27, 2018 06:06 PM | Report Abuse
know why I pick on OTB and kc?

ME: DO YOU HAVE ANY QUALIFICATION, EXPERIENCE, INVESTMENT RECORDS AND ESPECIALLY ANY CREDIBILITY TO PICK ON THEM?

AFTER WORKING FOR DECADES YOU ONLY HAVE RM100K TO PUNT THE MARKET.

YOU HAVE NO IDEAS ABOUT SIMPLE THINGS LIKE ENTERPRISE VALUE, IRR, CAGR, CASH FLOWS ETC. WHAT CREDENTIAL YOU HAVE TO PICK ON KCCHONGNZ WHO HAD SHARED HUNDREDS OF INVESTMENT ARTICLES IN I3INVESTOR?

KCCHONGNZ, AFTER BEING "PICKED" BY YOU NUMEROUS TIMES AND PERSONALLY ATTACKED BY YOU NUMEROUS TIMES, HAD EXPOSED YOUR THREE PUBLISHED PORTFOLIOS IN I3INVESTOR HERE,

https://klse.i3investor.com/blogs/kcchongnz/166759.jsp

THE EARLIEST ONE IN THE RED, THE SECOND ONE MADE 5.4% IN 18 MONTHS, AND THE OTHER 12%. HOW COULD YOU BOASTED THAT YOUR RM100K HAS TRIPLED NOW AFTER 2 YEARS?

HOW COULD THIS BE TRUSTED?

because they are too dogmatic in their approach. ...and also because they engage in playing with other people money.

ME: DOGMATIC? WHO IS LIKELY TO BE DOGMATIC IN THEIR APPROACH OF INVESTING, ONE WHO WOULD "SAILANG" EVERYTHING IN A STOCK LIKE JAKS, USE MARGIN, AND WORSE, ENCOURAGING OTHERS TO FOLLOW THE SAME, OR ONE WHO IS PRUDENT IN INVESTING BY BUYING GOOD COMPANIES AT CHEAP PRICES, NOT TO BE OVER-CONFIDENT, AND DIVERSIFY?

DO YOU KNOW YOUR "DOGMATIC" APPROACH BY TOUTING OTHERS TO BUY THIS JAKS WITH MARGIN WHEN IT WAS SELLING AT RM1.80+ HAD MADE SO MANY PEOPLE LOST THEIR LIFE SAVING, AND STILL OWING THE BANKS?

dogmatic and playing with other people money is a deadly sin in the stock market.

ME: WHO PLAYS WITH OTHER PEOPLE'S MONEY? WHO USE OTHER PEOPLE'S MONEY TO PUNT IN THE STOCK MARKET? OBVIOUSLY IT IS THE ONE WHO HAVE BEEN TOUTING THE SAILANG AND MARGIN FINANCE. RIGHT?

I INVEST IN THE STOCK MARKET. I NEVER "PLAY" LIKE YOU? I NEVER PLAYED WITH OPM, OR OTHER PEOPLE'S MONEY.

SO ARE YOU QUALIFIED TO PICK ON KCCHONGNZ? LOL!

Posted by qqq3 > Jul 25, 2018 10:30 PM | Report Abuse
kc
the only time i3 I have showed by actual portfolio is this...still proud of it....
qqq3 Posted by qqq3 > May 24, 2018 10:12 PM | Report Abuse
I can share my portfolio...no problem
medium term investments
DRB, FLH, AeonCr, Vitrox, FLHB, Gas Malaysia,
short term trading......it arises every day.....with 10% target mostly because difficult to see big bull run.


ok now you have a third portfolio so far as claimed by you. No, this is not your only portfolio, but the third one. This portfolio return about 12% so far.

The first one is here,

qqq3 Stock price then Price now Gain/loss Gain/loss %
Bornoil 0.15 0.06 -0.09 -60%
CBIP 2.25 1.24 -1.01 -45%
Ekovest 1.42 0.715 -0.705 -50%
Ecoworld 1.29 1.24 -0.05 -4%
Taan 4.79 2.62 -2.17 -45%
Jtiasa 1.35 0.72 -0.63 -47%

This first portfolio lost 42%. ok, after adjustment for corporate exercises for a couple of the stocks, it is still at a loss.

Your second portfolio was the "official" one here which was in the stock pick competition for 2017,

https://klse.i3investor.com/servlets/pfs/72439.jsp

This portfolio made 5.4% so far in 18 months.

So tell us, how is that you could triple your investment from RM100k to RM300k?

How are you going to multiply to RM200m in 15 years? What CAGR is required? How old will you be then?

Please address the questions above instead of beating around the bush!

Posted by qqq3 > Jul 25, 2018 07:14 PM | Report Abuse
kc

I really find you are a man of no conscience...

MY RESPONSE: MAN OF NO CONSCIENCE? DID I LIE TO YOU THAT I MADE 200% THE LAST 18 MONTHS WHILE TWO PORTFOLIOS OF SOMEONE PUT UP IN THE THE PUBLIC FORUMS SHOWED A LOSS OF 42% AND A GAIN OF ONLY 5.4%? AND HE SAID HE IS GOING TO HAVE RM200M IN 15 YEARS TIME. HAVE I SAID ANY STUPID THING LIKE THAT BEFORE?

hanging pig head sell dog meat......

ME: WHERE DID I HANG A PIG HEAD? WHERE DID YOU SEE ME SELLING DOG MEAT?
WHAT IS THE "PIG HEAD" YOU ARE REFERRING TO? WHAT IS THE "DOG MEAT"?

Knowing that the last one year is bad for buy and hold.....

ME: WAH YOU KNOW BEFORE HAND THAT THE LAST ONE YEAR WOULD BE BAD? YOU GOD AH?

AND WHO ASKED WHO TO BUY? BUY WHAT? HOLD WHAT? SHOW EVIDENCE!

and most buy and hold people lost money ( big time)....

ME: HOW YOU KNOW OTHERS BUY AND HOLD LOST BIG TIME? SHOWS SOME EXAMPLES!

How can u continue to do what u have been doing?.......

ME: DO WHAT? WHERE YOU FIND WHAT I DID?

don't feel guilty one meh for leading people to holland.

ME: I LED WHO TO HOLLAND? I HAVE NEVER BEEN TO HOLLAND BEFORE. WHAT WAS THAT WHICH BROUGHT THEM TO HOLLAND?

I DO KNOW MANY PEOPLE WOULD HAVE GONE TO HOLLAND LISTENING TO YOU KEEP ON PROMOTING SAILANG AND MARGIN IN SENDAI WHEN IT WAS RM1.40+, AND JAKS WHEN IT WAS RM1.80+. YEAH, YOU HAVE LED MANY TO HOLLAND. NOT ME!


You are just high on drugs all the time talking nonsense!

qqq3 Stock price then Price now Gain/loss Gain/loss %
Bornoil 0.15 0.06 -0.09 -60%
CBIP 2.25 1.24 -1.01 -45%
Ekovest 1.42 0.715 -0.705 -50%
Ecoworld 1.29 1.24 -0.05 -4%
Taan 4.79 2.62 -2.17 -45%
Jtiasa 1.35 0.72 -0.63 -47%

Average -42%
============
that list do so badly?
that means many people also do badly in last one year....but I did very well the last year....even 2018 I still make money.
There must be some thing I am doing right. My confidence is very high .......
maybe I should take some money from the EPF account to invest but being held back by the Trump wars.....
u see....the above example clearly shows trading and speculations which I am doing is far superior to buy and hold in the last 12 months.


ME: Lost 42% in the past year in your trading and speculations still think you are "doing is far superior to buy and hold in the last 12 months"?

OMG, are you high on drug or what?

So your RM100000 is left with RM58000. How is it that it has become RM300k as you said?

How long is required to get back to your RM100k with a loss of 42% in the near future?

Still so bloody confident that you will make RM200m in the next 15 years? How?

Posted by qqq3 > Jul 25, 2018 08:52 AM | Report Abuse
well, I still have a million $ EPF account, I have not touched.....now, that is compounding.

EPF account can talk about compounding, not your penny stocks value investing. You never know what happens next to your penny stocks.

my stocks today is about $ 300,000......ready cash about $ 300,000....I don't know whether I will reach the size of KYY by 80, but its a good target .

Me: Well, RM1m in EPF. Good on you. It is okay lah but really that is nothing to shout about after working for decades.

Lets take what you say is true, although I have some reservations as explained below. But I am happy for you, as if you lead an ordinary life, a simple life, but not playing golf everywhere as you said, you may still last for 20 years, and provided you don't have any serious illness.

As for your investment return, I still waiting for the portfolio you had 18 months ago and see how you tripled that in 18 months. I have mentioned that the portfolio I found of yours only return only 5.4% in 18 months.

I just happen to find your another portfolio published in i3investor as summarized below,

Stock price then Price now Gain/loss Gain/loss %
Bornoil 0.15 0.06 -0.09 -60%
CBIP 2.25 1.24 -1.01 -45%
Ekovest 1.42 0.715 -0.705 -50%
Ecoworld 1.29 1.24 -0.05 -4%
Taan 4.79 2.62 -2.17 -45%
Jtiasa 1.35 0.72 -0.63 -47%

Average -42%

The above portfolio of yours lost 42%. Mind you, not making 42%! There may be some dividend not included, but that won't change much.

If you lost so much money punting in the stock market before, how are you so sure you can make RM200m in 20 years time?

So listen to my free advice again. Get rid of your over-confidence. Do not talk cock again about sailang, margin etc. Keep all your money in cash to earn the highest interest rate, say 4.5%, don't waste time in public forum, find a part time job and hopefully you have enough money to last you before you expire.

Posted by qqq3 > Jul 25, 2018 01:23 AM | Report Abuse
kc
no assurance of repeat ability, u want to talk about compounding.....u study too much or what? where is your business sense?


This article aims to teach you a very simple concept about compounded annual growth. Many people like you have no idea how to calculate return, if their investment gave them satisfactory return, or if certain goal, such as dreaming to have RM200m in 20 years time with a capital of RM100k makes sense.

This I spent quite some time and did it for free for you. Instead of showing gratitude, you have been attacking me (with no logical reason) for every article I write to share in i3investor.

Why?

Anyway, I am a compassion person, a financial advisor, and let me give you a final advice.

At the age of 60+, retired and without regular income, but a saving of just RM100k, (and assuming without any other liabilities) leave every sen of it as cash for your daily household expenses, and spend it very very carefully.

Stop trolling in forum like i3investor, spending your time talking nonsense. You are wasting your time and it doesn't help your financial situation. From what you have been writing, it doesn't earn you any respect either, instead, many readers laugh at you.

Instead, go find a job, preferable a full time job if you can and earn some money, and save in bank deposit. You never know how long you are going to live. If you are going to live another 20 years, you need a lot of money, many many times the RM100k you have.

Forget about punting in the stock market, for it has a lot of uncertainties there and you may lose all your money there. Then where you get money to live? Depend on your children? Not smart as they will have their own commitment.

It is unwise to think that someone will help you to make money in the stock market, always, as I have said, stock market is full of uncertainties.

Anyway, I seldom give "advice" to retirees, for most of them should have enough experience and wisdom in their financial well-being.

This is an exception to you.

Adios.

qqq3,

so where is your portfolio 18 months ago which you said tripled in value?

Have you deleted the one in i3investor which only made 5.4% in 18 months?

You may also use Jaks as your only sailang stock, which you have been shouting all this while for the last 18 months and see what your return is.

Make sure you can last your retirement with only RM100k saved after so many years of working. You can only spend RM5000, I mean a year, not a month, for 20 years to come. That means only RM400 a month. Enough to survive ah?

So, take my advice. Be as stingy as possible, not to say using the meager amount of money to punt in the stock market, and hope to make RM200m in 20 years.

By the way, I have given up hope trying to teach a cow what compounding is. Although I like teaching,it is just impossible to teach one like you with that kind of brain. Give up!

Posted by qqq3 > Jul 24, 2018 04:33 PM | Report Abuse
kcchongnz > Jul 24, 2018 03:48 PM | Report Abuse

kc
share market....any thing is possible....its about how much risk I want to take, and about timing.....My $100,000 portfolio of 18 months ago is now $ 300,000 at market value..........what is the compound value in 20 years...? you work out for me.....

OKAY OKAY. SINCE AN ACCOUNTANT DOESN'T KNOW HOW TO COMPUTE, AN ENGINEER IS WILLING TO HELP YOU. NO PROBLEM. SAP SAP SUI ONLY.

BUT FIRST SHOW ME THE PORTFOLIO YOU HAVE 18 MONTHS AGO. WHERE HAD YOU PUBLISH IT? WHAT STOCKS YOU HAD, THEIR PRICES ETC.

I PROMISED YOU I WILL HAVE YOU TO WORK OUT THE CAGR WITH THE ABOVE.

SIGH, YOU REALLY ARE THE MOST MONG CHA CHA ACCOUNTANT" I HAVE EVER MET.
AND STILL DON'T EVEN KNOW WHY SOME PEOPLE AFTER WORKING FOR DECADES AND STILL DO NOT HAVE RM100K TO INVEST IN THE STOCK MARKET.

GO SIT DOWN AND MEDITATE UNDER A PUTI TREE AND THINK ABOUT IT.

IF YOU CONTINUOUSLY WASTING YOUR TIME IN I3INVESTOR TALKING NONSENSE LIKE THIS, NOT TO SAY GOING TO HAVE RM200M MARGIN IN 15 YEARS TIME, I AM WORRIED IF YOUR MONEY LEFT CAN LAST FOR EVEN 2 YEARS.


Posted by qqq3 > Jul 24, 2018 03:51 PM | Report Abuse

you want to be a value investor and want to be a business partner in the invested company..?...

too bad.....this gives rise to an irreconcilable conundrum.

let me explain

maybe I didn't explain clearly enough.....your article talks about value investing and investing as a business and also about emotions.....

value investing.....fair enough, what ever you want....
investing as a business....fair enough , what ever you want.....

Taken separately, fair enough, what ever you want....

taken together.....it creates a conundrum , an irreconcilable conundrum.....emotions will crop in.....emotions crop in because value is an illusion.....value is in the eye of the beholder, its a matter of perception, of trends and what is fashionable, ....most definitely not a maths formula.

investing as a businessman (like kyy).....where got emotion? no emotions.......

value investors? emotions will kill you. ...if your mistaken values don't kill you first.


value investors? lose money still don't know why lose money.

Posted by qqq3 > Jul 24, 2018 08:03 AM | Report Abuse
kc
how is it that you need to cari makan from i3 members and I don't need to?

ME: ME CARI MAKAN, AND YOU TRAVELING PLAYING GOLF MORE THAN 20 YEARS ALREADY?

WELL, YOU WON'T UNDERSTAND THE JOY OF EDUCATING THE PUBLIC IN USEFUL THINGS, MOST OF THE TIME FOR FREE, DO YOU?

in fact, not only that....I don't need to work for more than 20 years already......and I have been travelling and playing golf for more than 20 years already.....and in another 20 years, my margin account will be as big as KYY when he is 80.

ME: I REALLY DON'T UNDERSTAND HOW SOMEONE AFTER RETIRING DOES NOT EVEN HAVE RM100K TO INVEST IN THE STOCK MARKET, AND STILL HOPE TO BE RICH, LIKE HAVING RM200M IN MARGIN FINANCE.

THAT MEANS YOU MUST MADE RM200M IN 15 YEARS TIME. AND WITH SAY A MAXIMUM OF RM100K NOW TO INVEST, HOW MUCH TO COMPOUND EACH YEAR TO ACHIEVE THAT.

LEARN SOMETHING TO WORK IT OUT. LEARN ABOUT COMPOUNDING. THERE ARE PLENTY OF RESOURCES OUT THERE.

Posted by kcchongnz > Jul 24, 2018 03:18 PM | Report Abuse X

Posted by qqq3 > Jul 24, 2018 02:34 PM | Report Abuse
kc
compounding money is fixed rate instruments and portfolio managers with their portfolio theories.

ME: WHAT, COMPOUNDING MONEY IS FIXED RATE INSTRUMENT?

"What is 'Compounding'

Compounding is the process in which an asset's earnings, from either capital gains or interest, are reinvested to generate additional earnings over time. This growth, calculated using exponential functions, occurs because the investment will generate earnings from both its initial principal and the accumulated earnings from preceding periods. Compounding, therefore, differs from linear growth, where only the principal earns interest each period."

WHERE DOES IT REFER TO FIXED RATE INSTRUMENTS? WHAT IS IT TO DO WITH PORTFOLIO MANAGER? WHAT IS IT TO DO WITH PORTFOLIO THEORIES? WHAT THEORIES?

YOU ARE CONTINUOUSLY EXPOSING YOUR BACKSIDE. NO SHAME MEH?


businessman approach to equities.....and here is excellent example.......its business sense, business instincts....not maths formulas....

http://klse.i3investor.com/blogs/koonyewyinblog/166599.jsp

ME: BUSINESS SENSE? SAILANG?
WHAT WOULD HAPPEN TO YOU IF YOU SAILANG WITH MARGIN FINANCE BUYING JAKS UP TO RM1.85 AND PLUNGED BY 37% TO RM1.16 NOW?

SAILANG AGAIN? MARGIN FINANCE AGAIN PROPAGATED?

PLEASE BE MORE RESPONSIBLE AS A WELL RESPECTED PERSON IN THE SOCIETY.

BUSINESS SENSE, BUSINESS INSTINCT? NO COMMENT

compounding money in stock market for retail investors is an illusion.

bull market make money, bear market lose money is not called compounding......it is risk- reward.....and timing.

ME: TRY HARD TO UNDERSTAND WHAT COMPOUNDING IS INSTEAD F EXPOSING YOUR IGNORANCE AGAIN AND AGAIN.

Posted by qqq3 > Jul 24, 2018 01:15 AM | Report Abuse
value is in the eye of the beholder, its a matter of perception, of trends and what is fashionable, ....most definitely not a maths formula.
value investors? my foot. .......the market moves against you, you will know whether you are value investor or not......value is not as chipped in stone as you think.
the share market is a game...a game people plays.....
Be proud to be a trader / speculator.


Still never wonder why some people after working for decades, retire and still do no have RM100k to invest? How are they going to live for the next 20 years?

Whereas many value investors have compounded their money, retire, traveling here and there, playing golf, without worrying about money running out before they expire.

You have again said it all in your above comments.

Posted by qqq3 > Jul 22, 2018 09:07 PM | Report Abuse
kc is a scammer or a maths teacher with no business sense.
take your pick

Me: I would be proud to be a maths teacher, whether if I have business sense or not, but definitely not that Bullshit (BS) of yours.

Scammer: a confidence game or other fraudulent scheme, especially for making a quick profit; swindle.

I propagate investing in good stocks selling at cheap prices by going through thorough analysis of stocks before buying.

You have been shouting on sailang, margin finance, panic investing, dynamite investing, or whatever it means.

Who sounds like a scammer?

I have written 324 articles in i3investors with thousands of motivating comments. I have also made 5824 comments, all of them stay in i3investor and none of them have been deleted.

You also have made thousands of comments with many nicks, Desa, Stockmanny, Brightsmart, qqq3 etc. Each of the nick was banned by i3investor admin due to the hundreds of nonsensical comments.

Lets make an educated guess.

Who likely is a scammer, kcchongnz or all the other nicks of the latest qqq3?

qqq3 http://klse.i3investor.com/blogs/guru/166204.jsp.......loves this.
compare and contrast your approach with this guy....
This guy I like...he promotes essential qualities I like in fund managers.....

You said "love this" for at least 3 times. However, very sadly you are continuing to expose your backside. You don't know what the writer was talking about.

Doing thorough analysis before buying a stock is what almost every true value investor does, including the writer of the above link. Whereas trying to know everything by spending to much time on every details is what a true value investor needs not do. That is the message.

No investor, I am not talking about a speculator and gambler like you, buy a stock based on BS(Bullshit), panic moment, sailang, dynamite investing like what you do. Firstly, nobody knows what you actually trying to say.

You need to improve your English comprehension brader!

qqq3 kc
when I first came here I thought u were doing some thing good....until I realised when u do stock picks and recommendations....u are only interested in Ace counters, the smaller the better, the more risky the better, the less track records the better....easier for u to manipulate , maybe....specialist in small caps....
I tell you many time......hang pig head to sell dog meat is very dishonest, very misleading and very unprofessional.
u try to give yourself a conservative image in i3 in order to promote the small caps....what kind of hanging pig heads to sell dog meat is that?
I think you are a very irresponsible person for doing so....despite trying your very best to give a conservative image.
I don't like people who hang pig head to sell dog meat. Cannot ah?


POOR YOU. AFTER SO MANY TIMES OF EXPLAINING, EVEN AN ANIMAL WOULD HAVE UNDERSTOOD WHAT VALUE INVESTING IS. BUT SADLY IT IS NOT YOU. IT IS OK YOU DON'T UNDERSTAND, BUT IT IS NOT NEED FOR YOU TO EXPOSE YOUR IGNORANCE, YOURSELF.

WHAT IS VALUE INVESTING? WHO TOLD YOU YOU HAVE TO INVEST IN GENTING, MAYBANK, CARLSBERG, CIMB, ETC? WHERE YOU LEARN THIS?

WHAT IS RISK? A COMPANY, WHETHER BIG OR SMALL, HAVING STEADY EARNINGS AND CASH FLOWS AND GOOD MANAGEMENT, AND SELLING CHEAP, A RISKY COMPANY?

HANG WHAT PIG HEAD, SELL WHAT DOG MEAT?

HEY, YOU ARE A 60+ ACCOUNTANT. DON'T YOU KNOW THAT ALL THIS TIME YOU ARE EXPOSING YOURSELF AS HOW IGNORANT YOU ARE? GOOD FOR YOU MEH?

qqq3 otb, kc

I don't make groundless accusations.....
those are my observations and conclusions after watching KC and OTB for some time...its their process....too many holes and too robotic.....

ME: NOT GROUNDLESS ACCUSATION? SO WHERE ARE YOUR EVIDENCES?
JUST BY WATCHING? HAVE YOU SEEN ME BEFORE?
I HAVE WRITTEN HUNDREDS OF ARTICLES IN I3. WHAT IS WRONG WITH MY PROCESS? ROBOTIC? PLEASE ELABORATE.

if so many holes and so robotic also can be good ...then AI will take over the market...OTB and KC are just inferior versions of AI.....

ME: WHAT HOLES? PLEASE ELABORATE.

Well, I don't just simply make statement. Just goggle my portfolio which have more than 5 year record in i3investor. They are public information.

You have to show your record qqq3. But I doubt you have any public record. You only claim that you buy a stock and sold it and make so much so much. But that is only what you say. Can believe ah?

Posted by Gary Siaw > Jul 20, 2018 12:32 AM | Report Abuse
Yet a thoughtful and useful piece from kcchongnz.

Posted by Apabagus > Jul 21, 2018 06:37 PM | Report Abuse
KC contribute good articles.We in i3 made up our own minds.All are adults.
qqq3,what do you contribute in i3?Everyday talk business sense but unable to come out with a single useful article.You are just a TIN KOSONG.

Posted by cheoky > Jul 21, 2018 07:04 PM | Report Abuse
Usually when I can't explain something yet I want to prove I know better than author. I usually use some bombasatic or fuzzy words/terms to mask my ignorance. That is qqq3. Full stop. I guess, guess only using my intuition ya. Qqq3 investment result should be poorer than kc la.

Thank you very much for the kind words. That keeps me motivated to share.

For the last comment, I am very sure about it. But maybe not "poorer", but way behind. That is because, yes, my portfolio gone down recently. But over long-term of 10 years, I still have double digit CAGR.

qqq3, the fact is that you can't even smell our fart. so why condemn us on whatever we share?

after retirement and have not much saving and still sailang? Good luck.

For us it is a distribution stage now when you are still trying to accumulate. Too late. Beware you have not enough money to last your retirement. Seriously!

qqq3 apabagus

at least if you sailang, u know what you are doing, very transparent.....the good, bad, the ugly. and quickly learn to deal with it...and got chance to make a difference in a short time.

ME: HOW COME YOU DON'T EVEN HAVE RM100K TO INVEST IN THE STOCK MARKET EVEN AFTER RETIREMENT AT 60+?

NOT EVEN WITH YOUR SAVING IN SO MANY YEARS OF WORKING?

I HAVE MANY FOLDS OF WHAT YOU CAN INVEST. HOW COME?

Posted by qqq3 > Jul 21, 2018 05:30 PM | Report Abuse

kc

http://klse.i3investor.com/blogs/guru/166204.jsp.......loves this.


ME: FIRST OF ALL, THE ARTICLE ABOVE IS A GREAT ARTICLE. BUT LET ME TELL YOU, YOU CAN'T UNDERSTAND WHAT THE ARTICLE IS ABOUT.

YOU DON'T EVEN KNOW THAT Vishal Khandelwal IS A GREAT VALUE INVESTOR. YOU DON'T KNOW HE DOES VALUATIONS FOR ALL STOCKS BEFORE HE BOUGHT ANY.


This is what I mean...u fake value investors, fake teachers because you read a few soft cover investing books from popular book shops, maybe a few textbooks and speeches by that Wallen the Buffalo.....no use.....lose money, still don't know why lose money.

ME: WAY BEFORE I RETIRE, I ALREADY HAVE MANY TIMES RM100K IN MY INVESTMENT ACCOUNT. OVER MANY YEARS, MY CAGR IS MORE THAN 10%. SO, PLEASE, NOT EVERYONE LIKE YOU LOST MONEY.

qualities that I look for in fund managers....compromises, flexibility, no ego, adaptable, Golden Means, zen like qualities.......the same qualities that can last forever whatever challenges the stock market throw at me....the link above is well written.

qualities that will lead the followers to holland......the same qualities shown by OTB and KC Chong.....robot like, no flexibility, no learning, no adaptability, maths teacher but no business sense, ego big enough to explode any time, ....very dangerous qualities especially in view of the fact this is already a 10 years old bull market, Trump tariffs taking the world to uncharted territories, the next crisis may not be far away.....but the cari makan sifus still got to cari makan, still need new fresh victims to replace those who got buried already.

ME: THE VALUE OF MY PORTFOLIO DID GO DOWN RECENTLY. BUT OVER SAY 10 YEARS PERIOD, MY CAGR IS STILL MORE THAN 10%. OTB HAS MADE MANY PEOPLE MADE A LOT OF MONEY. YOU HAVE O COMPARISON.

Mahathir is right in saying.....the country cannot just carry on by borrowing money and finance and gambling in the stock market.

What we need are real economy stuffs, jobs, factories and new ideas. . new services.

ME; TRUE. SO, PLEASE STOP ASKING PEOPLE TO SAILANG, MARGIN TO THE MAX IN THE STOCK MARKET.

I would also say the most important quality is Think Different. Got to Think out of the box and cannot keep repeating the KC Chong and OTB stuffs.

ME: THE PROBLEM IS YOU DON'T EVEN THINK AND HAVE NO CAPACITY TO DO SO.
This is wrong Era for them.


Every Era new heroes,
Too bad people do not know new Era has come until it is over and too late.....so Think Different is best advise.

lastly, I like to repeat....

do u start with the price/ valuation or do u start with what you want / like?

ME: MANY PEOPLE, YOU ARE NOT EXCLUDED, WHEREVER THEY START, THEY HAVE NO IDEA OF VALUE VERSUS PRICE.

I think misers and losers start with price/ valuations.....and winners start with what they want / like.........

ME: NEVER HEARD OF BUYING WHAT YOU LIKE MAKE YOU RICH. i KNOW YOU LIKE JAKS AND EVERSENDAI. HAVE THEY MADE YOU RICH, LIKE WHAT YOU WISH IN A WEEK, A MONTH, OR EVEN A YEAR?

Posted by qqq3 > Jul 20, 2018 01:43 PM | Report Abuse

do u start with the price/ valuation or do u start with what you want / like?

I think misers and losers start with price/ valuations.....and winners start with what they want / like.........

ME: FOR VALUE INVESTORS, IT DOESN'T MATTER WHERE YOU START, BECAUSE THE PRICE YOU PAY DETERMINES YOUR RETURN. IT IS GOOD TO ALSO START WITH WHAT YOU LIKE, AND THEN DO A VALUATION.

THE PROBLEM WITH MANY RETAIL INVESTORS IS THEY DO NOT BOTHER WHERE TO START, BUT JUST FOLLOW WHAT OTHERS DO, A LEMMING BEHAVIOR. SOME JUST SIMPLY BUY AND HOPE THAT THERE WILL BE A GREATER FOOL TO TAKE OVER FROM THEM IN THE END OF THE DAY, THE NEXT DAY, THE NEXT WEEK. THAT IS WHAT THE COMMENTATOR HAS BEEN DOING, AND KEEP ON TELLING OTHERS TO FOLLOW HIM TO DIE SOMEWHERE.

SOME MAY START WITH WHAT THEY LIKE, BUT THEY HAVE NO IDEA IF THE COMPANY THEY LIKE ARE SELLING EXPENSIVE. tHAT IS WHY MOST RETAIL INVESTORS LOSE MONEY.

qqq3 Valuations matter, Really?

I am not about to convince you that valuations do not matter but valuations have a wide acceptable range and whilst a sense of valuations is useful it is no panacea, no guarantee for success in the stock market. A necessary but insufficient condition to justify confidence.

ME: NOTHING IS GUARANTEED IN INVESTING. BUT THERE ARE JUST TOO MANY EVIDENCES THAT THOSE VALUE INVESTORS WHO DO VALUATION BEFORE INVESTING IN A STOCK, DO OUTPERFORM OTHERS BY WIDE MARGINS. IT IS ALL VIGOROUS ACADEMIC RESEARCH. NOTHING JUST ON WHAT YOU SAY.

Too many uncertainties, too many unknowns and where to find convictions when prices go against you? How you know your valuations are right and the market valuations are wrong?

ME: DO YOU USE YOUR BRAIN, OR ALL THE TIME RELIES ON THE MARKET TO TELL YOU? CERTAINLY YOU ARE THE LATER. NO DOUBTS ABOUT IT. YOU HAVE NO BRAIN TO ANALYSE AND THINK FOR YOURSELF.

Hundreds of full time analysts in Malaysia nowadays. They are paid a salary and a full time job to analyse shares. If they cannot do a good job, what makes you think you can do a good job?

ME: I THINK ANALYSTS DON’T DO A GOOD JOB MORE BECAUSE OF SELF-INTEREST, RATHER THAN THEY ARE NO GOOD. I CERTAINLY BELIEVE I CAN DO A BETTER JOB. MY INVESTMENT OUTCOME HAVE PROVEN THAT. OF COURSE YOU ARE IN A DIFFERENT AND OPPOSITE CATEGORY.

Out of 100 value investors, after one year, two years, three years, five years, ten years.........the end result of the 100 value investors will differ greatly, spanning the whole range of possibilities.

ME: RESEARCH HAS SHOWN AGAIN AND AGAIN THAT VALUE INVESTORS, OVER THE LONG-TERM, OUT-PERFORMED THE MARKET, IN GENERAL.

What is the evidence of any co relationship between results and knowledge of valuation methods? Between value investors and throwing of darts anyway?

ME: THE SUCCESS RATE OF VALUE INVESTORS, TRUE VALUE INVESTORS CERTAINLY HAVE BEEN BETTER THAN THROWING DARTS, AND THOSE WHO USE PANIC MOMENT, DYNAMITE INVESTING, AND PLP INVESTING. I HAVE NOT A SINGLE DOUBT OF IT. AND IT IS NOT PURELY HERESAY, BUT VIGOROUS ACADEMIC RESEARCH.

Valuations matter? Really?

people have lost half their money buying steel counters at PE 8 last year, now trading at PE 3....and people have made 100% gains buying Vitrox at high PE, now PE 30 after making 100% gain.
ME: VALUE INVESTING IS NOT ABOUT PE, AND CERTAINLY NOT ABOUT PAST PE, PRESENT PE, ONE-TIME OFF PE, BUT SOME OTHER THINGS. OF COURSE FOR PEOPLE WHO KNOW NUTS ABOUT VALUE INVESTING, THOSE WHO JUST TALK COCK, THEY JUST CAN’T FATHOM ANYTHING. EVER WONDER WHY SOME PEOPLE DOING THE SAME THING IN THE STOCK MARKET AND WHEN THEY RETIRE, EVEN WITH SOME SAVINGS FROM WORKING, DON’T EVEN HAVE RM100K TO INVEST IN THE STOCK MARKET? NOT TO SAY MAKNG ANY MONEY FROM THE STOCK MARKET.

Valuations matter? Really?

How long do you intend to hold the shares anyway? One week? One month? One year? Five years? Ten years?

ME: VALUE INVESTING IS ABOUT THE PERIOD OF HOLDING A STOCK? WHERE YOU LEARN THAT?

Some one should do research and tell us what is the average holding period for retailers in Malaysia?

ME: DOES THIS MATTER TO VALUE INVESTING?

The truth is that in most cases, speculations gone wrong become long term investments. Long term investments is a result of speculations gone wrong, not an objective for most participants.

ME: I KNOW WHAT YOU MEAN. JUST LIKE SPECULATING IN JAKS, EVERSENDAI ETC.

Definitely, especially among retailers, holding period in Bursa is much less than in NYSE or LSE. There are huge differences between Bursa and NYSE/ LSE.

ME: DOES THIS HAVE ANY RELEVANCE TO VALUE INVESTING? HOW?

Bursa have tried for many years already but without much success to increase participation by millennials . Bursa is still a baby boomer generation activity. Millennials are more attracted by bitcoins, by start ups, crowd fundings and newer and trendier stuffs.

ME: DOES IT HAVE ANY RELEVANCE TO IF VALUATION MATTERS?

Know what I think?

i think most of what people read and write about is just nonsense. More noise than good advise. I think experience is the best teacher, let them experience it themselves, what don't kill you will benefit you. I think people are smart and they should think for themselves, should be encouraged to think.

ME: I SAY THE WRITEUP HERE IS FULL OF NONSENSE, NO SUBSTANCE AT ALL.
https://klse.i3investor.com/blogs/qqq3/165703.jsp
NOT MY ARTICLE, I BELIEVE BECAUSE NO ONE ELSE EXCEPT THOSE RETARDS WILL SAY WHETHER VALUATION MATTERS OR NOT IS NONSENSE.

I think people should Think Different....that what the majority thinks is usually wrong and literally useless.

ME: WHAT DIFFERENTLY? IN WHAT WAYS? SO WHAT YOU THINK IS RIGHT?

Value investors, contrarian investors

https://klse.i3investor.com/blogs/qqq3/165703.jsp

Posted by qqq3 > Jun 18, 2018 07:25 PM | Report Abuse

but have you developed your business sense to improve your timing and to tell whether cup half full or half empty?

since its low in March , Sendai has been a top performer in the KLSE....and the cup is filling up fast......


Me: What does "market timing" has to do with "business sense"?
What kind of "business sense" is yours? Your "business sense" is market timing? OMG!

What does "business sense" have to do about "to tell whether cup half full or half empty?

What is "cup half full or half empty?

3iii,

Thanks for the motivation.


pjseow,

You should be doing well in the long-term in investing. I have no doubt about that. Kudos.

Very good sharing on investing to build long-term wealth with less risks.

One can easily see what is a good sharing of useful knowledge and experience, in contrast to touting of stocks.

Posted by qqq3 > Jun 10, 2018 06:13 PM | Report Abuse
Professional hazard, just being busy bodies, ...young people should stay clear of these certified planning types....Happier this way.
BFM ...regularly put in a certified financial planing type on air....talk cock, talk BS, I either switch off or laugh at them.


Still don't know why some people, even after retirement, do not even have much money to leave behind?

Posted by qqq3 > Jun 10, 2018 04:14 PM | Report Abuse
kc
For a 25 years old, Happiness is a worthwhile objective, not certified financial tools.
and happiness comes from knowing he got a bright future.....and in the right direction.
The certified financial planning goons think too highly of themselves...........


I thought I read about your son doing CFA.

Tell me frankly, how does he go about doing stock analysis?

Does he folow my way of using financial planning tools, my way of business and financial statement analysis and valuation, or

Your way of dynamic investing, panic moment, sailang?

Than I will be able to tell if he is going to be successful or not.

Posted by qqq3 > Jun 10, 2018 10:25 AM | Report Abuse
my son is 25....salary $ 5,000.....bright future....saving money is I think the last thing on his mind.
I expect him to earn at least $ 12,000 by 30.


RM4500 or RM5000 a month?
Is that so great?
Do you know that can't even pay for a two room apartment in Auckland?

Actually whether one can be wealthy when they get older is not how much they earn, but how much they save and invest to accumulate.

You should encourage your son to read the riches men in Babylon, rather than boosting something above which is nothing to be proud about not saving money.

You never ever wonder why after you retire, you can't even have 6 figures investment in shares as once posted by you?

Henly, good comments. Just to chip in some comments in capital letters.



Posted by Henly > Jun 8, 2018 05:00 PM | Report Abuse

@Young Lady,

Very good of you to get a piece of advice from the very experience guru. However I am totally disagree to advise you to go into equity market with your hard earn money. The risk is simply not for you to bear.

ME: YOU MAY HAVE A POINT. HOWEVER, BOTH OF US DO NOT KNOW HER PERSONAL RISK PROFILE.

IN GENERAL, AT THE AGE OF 25, THERE IS PLENTY OF TIME TO ENDURE THE UP AND DOWN OF THE MARKET. HISTORICALLY RETURN FROM EQUITY MARKET I MUCH HIGHER THAN BANK DEPOSIT. AS I HAVE SHOWN, THE END RESULTS WOULD LIKELY TO BE A HUGE DIFFERENCE WITH EQUITY INVESTMENT ACCUMULATES MANY TIMES MORE THAN BANK DEPOSIT.

Why I say this?

90% of retail investors in the market is loosing money.

ME: i AGREE WITH THIS.

Not even invest in the bank trust fund with very high commission (3%) from any Malaysian banks. My father invest in trust fund 20 years ago when he past away 5 years ago. We found out only tiny some of money left. Can you imaging 200K invested 20 years ago and today you get the same amount 200K. How painful it is ?

ME: THE EXPERIENCE INVESTING IN UNIT TRUST BY YOUR FATHER WAS NOT AN EXCEPTION. I FACED THE SAME EXPERIENCE TOO.
THE PROBLEM WITH SOME UNIT TRUSTS ARE THE FUND MANAGERS HAVE THEIR OWN INTEREST TO TAKE CARE OF ABOVE THE INVESTORS'. THERE ARE ALSO HUGE FEES INVOLVES, UPFRONT, ANNUAL MANAGEMENT EXPENSES, COSTS OF PLAY ETC.

I was lucky to invested in HSBC in 1986 through an old badminton kaki (Telekom Engineer) when I first graduated with a borrowing 4K from my dad. With dividend and today worth more than 30X after 30 years.

ME: SEE WITH SOME GOOD INVESTMENT STRATEGY, YOU MADE GOOD MONEY ON YOUR OWN. SO INVESTMENT IN EQUITY MARKET, IF YOU KNOW AND HAVE THE EXPERIENCE TO DO IT, GOOD OR NOT?

So if you are looking for a long haul investment, HSBC is a good example. They had gone through 1986, 1998 and 2009 recession and survive.

ME: YES, LONG-TERM INVESTING IS LIKELY TO YIELD SATISFACTORY RESULTS. YOU HAVE SHOWN IT. SO WHY DISCOURAGE THE YOUNG LADY?

I WAS TALKING ABOUT A LOW COST ETF INVESTING IN A BROAD MARKET INDEX OR ETF. BUT IF SHE HAS ACQUIRED THE NECESSARY SKILL AND EXPERIENCE, SHE CAN INVEST ON HER OWN TO GET BETTER RETURN. OF COURSE IT IS NOT EASY.

If you are looking for a >30% annual return like most of guru priest, you would probably end up with irreversible damage to your hard earn money.

ME: THIS I AGREE. ONLY SUPER INVESTORS HAD DONE THAT. THERE ARE NOT MANY OF THEM AROUND.

NUT WE NEVER TALK ABOUT 30% CAGR, BUT MAYBE 10% OR SLIGHTLY MORE. EVEN 7 OR 8% WILL ALSO BE VERY GOOD.

Posted by Flintstones > Jun 7, 2018 09:39 PM | Report Abuse
Okok.. Kc come i3 to find his customers liao. Summoning stockmanmy to smack some sense into kc's head!


Good good good. Ask him to bring his horse over. I love that.

However, I am surprised that after reading all his posts, you think he has the ability to do so in a rational manner?

He claimed to be a dynamite investor who can utilize the panic moment and sailang to become a billionaire. But look at what he posted, does he rally know anything about personal finance, corporate finance or investing?

Posted by Flintstones > Jun 8, 2018 08:23 AM | Report Abuse

Kc, i respect you as an academician. Since i3 is free, everybody could publish his own views too. I may agree you are one of the few bloggers who have the right intention to not lead readers to holland. However, i do not find all of your methods right. Same goes to stockmanmy. I disagreed with some of his viewpoints too. The i3 platform is in need of a balanced discussion. Unless you do not welcome discussion, i suggest you to disable the comment section which i think is not the right move


You don't need to respect me as an academician. I am not although I have gone through academic study in finance and investment at the highest level. I simply do not practice investing the academic way. I am looking over the shoulders of giants in investing. You can read here how my investing principle and methodologies are used,

https://klse.i3investor.com/blogs/kcchongnz/159517.jsp

It is from the investing philosophy and methodologies of some of the real super investors in the world.

You may ridicule me about my methods, such as using historical data, extrapolating from the past etc. or whatever, yes, you are entitled to your opinion, that s why I always open my thread for comments and criticisms. That is how I learn more too. However, I have now 320 articles in i3investor, I bet you can't find a single one which I "extrapolate" the past into the future, or whatever you have been ridiculing me for all this while. Show me if you find one.

The other thing is, despite your ridicule about my method, which is a proven successful method, my performance, even now, is better than the overall, certainly better than those portfolios in i3investor.

You don't have to believe in me.

And as far as your ridiculing me about my "cari makan" in i3investor, you may have a point. But let me tell you I don't earn much from there, and frankly, I don't need to.

Why I am doing the online investment course is it is my passion to educate the youngsters to be able to build long-term wealth, slowly, safely but surely.

Again you are entitled to your opinion. No hard feeling.

Posted by Flintstones > Jun 7, 2018 09:39 PM | Report Abuse
Okok.. Kc come i3 to find his customers liao. Summoning stockmanmy to smack some sense into kc's head!

This personal finance in i3investor is free. In fact I have given free advice in i3investor since 6 years ago. I find that if one sows goodwill (and enjoy it), good things will come to him.

It is an altruistic thing to do. If you are able to do what I do, please do.

Posted by qqq3 > Jun 6, 2018 04:37 PM | Report Abuse
but if you want to take out your certified financial planner credentials, you should do it with responsibility meaning only shares of a decent size, with excellent management and excellent prospects.......that way, even if shares go down, at least the company is still growing......
but what i find happening is the opposite.....people like OTB and KC no business sense.....keep on recommending sunset companies / sunset industries just because they deem them value buys based on historical records.


Actually you don't realize. The more you spew out venom, the more you exposed yourself.

1) You have given out confirmation that how immature you are as a 60+ adult.

2) You confirm yourself without doubt that you aren't really a real accountant.

3) You have proven yourself you have no idea about what investing is

4) You have no idea about what a financial planner's responsibilities are

5) You project a terrible example to the youngsters and the public.

Posted by qqq3 > Jun 6, 2018 11:14 AM | Report Abuse
kc
don't pretend to an idiot.....I know you are not an idiot....You know exactly what I mean.
Hanging pig head to sell dog meat. A conman by any other name is still a conman.

No, I don't understand you. As a matter of fact, most of the time I do not know what you are talking about. They are all jumbo mambo. Nobody understand you, I believe.

Who is a conman is easy to find out and make a judgement. Just read what they write and how they act. The writing is all over.

Posted by qqq3 > Jun 6, 2018 10:27 AM | Report Abuse

kc

are you saying ? come , come to me, I give you compounding....Don't go there without me. That place is a swamp with many traps. Only I can show you the way to compounding.....

ME: I AM A HEAD FULL OF DEW WATER TRYING TO UNDERSTAND WHAT THE HELL YOU ARE TALKING!

If only that statement is true, I leave you alone in peace.

The tool of certified financial planner is compounding....

ME: WHAT THE HACK ARE YOU TALKING ABOUT? IS THAT THE ONLY THING YOU THINK YOU KNOW ABOUT COMPOUNDING? OMG!

If compounding is your target, please be satisfied with fixed income securities....If you want compounding, leave equities alone because in equities every year is different.

ME: IS THAT HOW AN "ACCOUNTANT" UNDERSTAND ABOUT COMPOUNDING? OMG!
DOES COMPOUNDING MEANS EVERY YEAR A FIXED RETURN? OMG!

As individuals, you are not going to have sufficient diversification to come any where near compounding.

ME: SUFFICIENT DIVERSIFICATION TO COME ANY WHERE NEAR COMPOUNDING?
WHAT DOES DIVERSIFICATION HAS TO DO WITH COMPOUNDING? ARE YOU REALLY AN ACCOUNTANT?


Good advisors, experienced advisers know....You got to tailor your recommendations to the clients....You cannot apply the same stick for all the audience in an internet forum. You are breaking the cardinal rule for advisors by trying to sell your stuffs here.

ME: HOW DO I "APPLY SAME STICK FOR ALL AUDIENCE"?
WHAT DO I SELL HERE?


I like to see certified financial planners help themselves before they can help the world. I doubt if they can even help themselves......with all their certified financial planning tools and expertise.

ME: SO YOU ARE THE SAVIOR OF THE WORLD?

Excellent advice ks55, gohkimhock, sslee, Sami-value.

sslee, I particularly like your comment below,

"keep a distant from those good for nothing boot licker"

Posted by Flintstones > Jun 6, 2018 07:53 AM | Report Abuse

stockman, obviously this kc虫 only knows how to extrapolate data from past results lah. I am quite certain he will apply the same thing in his new financial planning business. You know what? Hes gonna ask you to put your money in 4% FD and show you nice charts 100 years into the future to convince dumbos he is smart!


So far I have written 318 articles in i3investor here,

https://klse.i3investor.com/jsp/blog/blmain.jsp

And you have 1258 posts here,

https://klse.i3investor.com/servlets/cube/post/flintstones.jsp

It doesn't need a genius to differentiate who is likely to be a 虫, a parasite.

Posted by Flintstones > Jun 5, 2018 08:40 PM | Report Abuse
to sell u insurance and unit trust products , first they scare you and then they impress you with a certified financial planner title.

stockmanmy, i must clap for you. well said! CFP lai liao!


Finally I find our loyal follower of yours. Snakes and rats lying on the same bed.

Posted by qqq3 > Jun 5, 2018 03:15 PM | Report Abuse

But sadly the financial advisory in Malaysia is still a lot to be desired. Most are focussing on selling products rather than giving comprehensive financial advice.
======
isn't selling insurance and unit trust products what it is all about?


Can't imagine the thinking of a 60+ old, accountant some more, has this type of extreme shallow, uninformed thinking.

Posted by qqq3 > Jun 5, 2018 09:49 PM | Report Abuse

whether 10%, 20% or higher volatility depends on your portfolio design ..........go sailang ,u can get 30% or more volatility a year easily.....


John was saying about return, the percentage earned each year.

Um, I never know people invest for "volatility".

Go "sailang" and get 30% or more volatility? Volatility for what?

"Sailang"? What has been the result of your "sailang" so far this year? Lost your underwear?

You just blurt out rubbish from your mouth without going through your brain!

Posted by qqq3 > Jun 4, 2018 09:53 PM | Report Abuse
I tell you how anyone can improve their lives and especially your financial life....
You can do so by being a Jho Low, a gambler / speculator extraordinary.......if you have the inclinations and talent


There are all kind of people in this world.

Rational and good citizens scorn cheating and kleptocracy. But still Some like the commentator above worship them.

Posted by qqq3 > Jun 4, 2018 10:05 PM | Report Abuse

KYY is living proof that it can be done....Problem is Can you?
How often can you sailang? You have the confidence to sailang and margin account to the max?


This post is about the right advice to the young people in specific and the public in general about their life and personal finance.

Why you have to bring someone else here for what and propagate your gambling mentality of margin and sailang?