Posted by calvintaneng > 2021-12-10 15:16 | Report Abuse

kpower?

yes sell Maybank and buy kpower also good idea

Posted by xxxx > 2021-12-10 16:42 | Report Abuse

Nuts!

Posted by tollebunsmith > 2021-12-10 16:46 | Report Abuse

calvintaneng is another snake... I will sell all at the lowest price and i will show it on the board IF this snake can show me he has made a few millions form Bursa ( under his own name).. else listen calvintaneng .. * i just bought MBB 1000k shares just now.. and i will top up another 1000k at closing* wink wink* ( i am lying just like snake calvintaneng

Posted by tollebunsmith > 2021-12-10 16:47 | Report Abuse

calvintaneng perhaps sells his underwear already... so cant prove anything... what a joke/

Posted by Cslee1215 > 2021-12-10 16:50 | Report Abuse

Calvin, “talk cock club “also looking for new president, they said you are the only 1 best for the position.

Posted by tollebunsmith > 2021-12-10 16:51 | Report Abuse

Cslee1215 very funny

Posted by stkoay > 2021-12-10 17:05 | Report Abuse

calvintaneng already bankrupt in 2014 from his sailang investment in MPCORP...

...now no money, no underwear...pity him la, let him have some fun taking kok lo....

Posted by risekita8 > 2021-12-10 20:06 | Report Abuse

Pity him

Posted by stkoay > Dec 10, 2021 5:05 PM | Report Abuse

calvintaneng already bankrupt in 2014 from his sailang investment in MPCORP...

...now no money, no underwear...pity him la, let him have some fun taking kok lo....

Posted by dimmubroker > 2021-12-10 20:55 | Report Abuse

Next week Maybank will hit 8.15 again.

I am sure

Posted by Jaya26 > 2021-12-11 00:18 | Report Abuse

Tolle
It is not calvintaneng
It calvinbulldung

Posted by Jaya26 > 2021-12-11 00:21 | Report Abuse

Supersinginvestor true to his word
Disappeared
Calvin & supersinginvestor r brothers

Posted by Alan Teh > 2021-12-11 10:18 | Report Abuse

Tolle, may I know the ratio you're keeping those stocks for PBB and Maybank? Just need some guidelines for my retirement funds if you don't mind.

Posted by TreeTopView > 2021-12-11 10:59 | Report Abuse

In the current climate I believe it is prudent for any investor to hold at least a couple of banks in their investment portfolio.

Then the obvious question is which ones to hold. Choices will vary amongst everyone for various reasons, it's always good to hold differing opinions.

In recent months I have positioned myself in Maybank and RHB with a twelve month horizon and will re evaluate during 2022.

Posted by ali baba > 2021-12-11 12:26 | Report Abuse

Hello TreeTopView, long time didnt see you. Good that we cross path again here in Maybank after Tenaga. How have you been doing?

Posted by stkoay > 2021-12-11 14:18 | Report Abuse

After all, not every day blue chips companies would be trading at such attractive valuations and yields coupled with potential economy recovery in sight for 2022.

Again, my emphasis is on good quality companies backed by earnings instead of those solely based on “promised prospects”. For a fundamentalist investor, such market is the best time to capitalise on the opportunities.

Timing the market is also another area where many retail investors try to do but fail miserably.

It is very difficult to catch the bottom even if one is a world class economist.

Warren Buffet once said: “The real fortunes in this country have been made by people who have been right about the business they invested in, and not right about the timing of the stock market.”

So leave the market timing endeavours to the fund managers and professional traders, focus on playing to your advantage as a retail investor; which is to buy and hold good quality companies while letting time to work for you.

https://www.thestar.com.my/business/business-news/2021/12/11/time-horizon-and-market-cycles

Posted by stkoay > 2021-12-11 15:38 | Report Abuse

Posted by calvintaneng > Oct 19, 2014 11:10 PM | Report Abuse

Haha!

Fearful of MP Corp shares?

Calvin is completely fearless!!

IF YOU KNOW THERE IS NOTHING TO FEAR!







Posted by calvintaneng > Oct 28, 2014 5:23 PM | Report Abuse

I bought from 43 to 49 cents. I am still very confident

Posted by stkoay > 2021-12-11 15:40 | Report Abuse

calvinbulldung "sailang" MPCOPR with his underwear in 2014, after that the price dropped to below 10 sen.....haha...laugh die me.

Posted by tollebunsmith > 2021-12-12 14:19 | Report Abuse

Alan Teh :

I Dont mind sharing. But first let me qualify it stating that ur holdings should vary with ur age and reason and what is ur objective.

Let me also declare that when i was in my 30ties i lost 10 yrs of my earnings ( everything which was invested in stock).

I am thankful for the lessong learned and have used that failure to earn more than 10 times what i lost.

I always advocate dollar cost avaraging, buy more when the price is lower and add a little if it is high.

Never buy "all in" no matter what a fantastic bargain u feel about that big price drop.

As my target is to get a stable dividend and a little of growth shares, my scale is 30% PBB : 60% MBB and 10% in reits/others ( in terms of value ).

Pls do understand due to my losses when i was young , i promised myself never to rely on one single source , but diversified. Why? cos at my age now i cant afford big losses and I do have friends who were rich but due to downturn , they are literally begging their children as dumping their investment ( eg properties will result in more losses )


YMSV ,Your Mileage should vary and I do suggest a start with "adding" when u have more funds and if u feel the prices of blue chips are at the lower end ( pls refer to sifu stkoay analysis, as he is usually more spot on on trends).

But do understand if u invest in blue chips the growth is only 6-10% and lose about 10% in share price.
Penny stock , growth is -100% to 1000% in a matter of months and so will ur losses also.

Betting in casino, u will get 100x in a matter of hours or lose only the money you began with.


So what is ur risk appetite and what is ur motive is a better guide, only u can give the best answer as following blindly will result in unexpected endings.

And i will end with this disclaimer: do ur own due deligence and i have forwarded my opinion and i am NOT a financial adviser.

And a warning about Calvintaneng and supersinginvestor who only lies and are unreliable.

Posted by Alan Teh > 2021-12-12 15:22 | Report Abuse

Thanks for sharing

Posted by stkoay > 2021-12-12 17:12 | Report Abuse

Wow...what a great effort for sharing experiences and honest investment strategy.....

...I always take note of what sifu tolle shares...very sincere, unbiased and not promoting any particular stocks....unlike some "insecure" ppl who gives stock opinion based on what they own....haha :)

Thanks sifu tolle.

Posted by lpalani49 > 2021-12-13 08:08 | Report Abuse

Wise words from sifus tolle & stkoay. Tku. Since this is an interesting discussion, may i seek your views on my counters i.e Mbb-34%, Pbb-17%, Tnb-22%, Utp-22%, carlsb-3% & takaful-2%. would you change ratios? Are malaysian REITS stable?

Posted by aliyusof > 2021-12-13 09:30 | Report Abuse

Same feelings or thoughts like tollebunsmith!

Posted by tollebunsmith > 2021-12-13 10:02 | Report Abuse

lpalani49 : My opnion:-

Your investment pattern is one who is going to retire/retired who is aged around 55-65.

It is a stable mix of growth and dividend.

I personally would tweek MBB more weightage. perhaps around 50-70% when price is low ( if possible use fresh money) Sell off part of TNB when price is high (to replace ur fresh fund used to purchase MBB).

Learn this term : Dollar cost averaging.

Pls note : You cant trade the blue chips and cant be watching the screen and do nothing. So for excitement , it would be nice to buy and sell some volatile shares with a little play money ( just for fun) for short term.

Reits: I am expecting a run up as soon as banks go on recovery mode and economy picks up as people tend to do purchses with physical items for the "feel good" after the pandemic and expect malls uptrend as most investors are not buying in. I expect a decent divided in future ( 2-3 yrs period).

As i like ur diversified shareholdings so ur shareholding strength is stable and not easily affected.

Do expect other views to differ as we gain strength by sharing and seeing other point of views.

Posted by tollebunsmith > 2021-12-13 10:06 | Report Abuse

stkoay: pls add ur views too, it is ok to differ in opinion as i respect ur views and address my weakness.

Posted by stkoay > 2021-12-13 11:21 | Report Abuse

Sorry sifu tolle, today I will be quite busy...will log in again may be in the evening or tonight...you have a nice day...hope the market also :)

Posted by wallstreetrookie > 2021-12-13 11:23 | Report Abuse

Not really bullish on financials moving forward in Q1 2022. Omicron threat is still looming, and therefore investors should still be prepared for any negative tailwind. Global macro says buy financials. But you should hedge by buying a small portion of tech stocks to complement with defensive such as financials and cyclicals.

Posted by wallstreetrookie > 2021-12-13 11:23 | Report Abuse

Maybank Berhad Maintain Neutral

Posted by Cslee1215 > 2021-12-13 16:09 | Report Abuse

Ioicorp, also worth invest.

Posted by stkoay > 2021-12-13 18:40 | Report Abuse

Agree with sifu tolle that people in different age group, different risk tolerance level can have different portfolio...there is no right or wrong.

Mine is heavy on low beta, high dividend stock ie MBB.

As a value investor, I sold off all my stocks in 2014, when the index was trading around 1800+ points.

I came back last year to buy CIMB, Mahsing, RHB and late last year added Genting...(looking for capital gain)

This year, I took profit on some after they rebounded and switched to MBB (looking for dividend).

Now, I am heavy on MBB with some CIMB, RHB and small number of Genting.

I do not have PBB.

I choose MBB over PBB because it is trading at lower PE and lower P/B and yields higher dividend (again there is no right or wrong...up to individual preference)

As a long term value investor, I feel MBB offers very good dividend yield and decent capital appreciation prospect with their M25 plan

https://www.theedgemarkets.com/article/maybank-says-fiveyear-strategy-m25-anchored-three-priorities

Posted by dimmubroker > 2021-12-13 19:58 | Report Abuse

Really steady counter.

Maybank can always be trusted

Posted by risekita8 > 2021-12-13 20:10 | Report Abuse

Clever PNB and EPF, cashing out their profits already

But Maybank still going up.
Show how many believe in them

Posted by lpalani49 > 2021-12-13 22:59 | Report Abuse

You are spot on sifu tolle. It is as if you are reading my mind. I concluded some time back that Tenaga displays characteristics of a dividend trap, I wanted to get out but waiting for the right price to exit a portion of it.

My research shows that wherever politician hands are involved that counter turns a bit more speculative, even if, it is a blue chip. Management is unpredictable.

As you correctly pointed, my type of investing is so boring, less opportunity to scratch itching hands. but, i do not know much about other industries to dive into.

I exited REITS beginning 2021, cut loss, and rebalanced, which turned out to be profitable.

It is nice to follow stkoay and lean on MBB say,up to 70%, but i am not for such a heavy lean, unless i am networked with the inner-circle, No corp is too big to fail in my opinion. I prefer a spread even if is a bit less lucrative. but when times are good, stkoay will reap handsome returns.

Yes DCA is beneficial. 20% standby reserves is ideal, but i have not practiced it till now.

Let us see how the dividend season turns out in 1HY 2022.

Posted by stkoay > 2021-12-14 00:19 | Report Abuse

Oh Yes, investment definitely needs to be spread out...my stocks portfolio only made up 60% of my investment...the other 40% is in fixed price ASM (earning a low returns of only 4%)...a very old uncle conservative portfolio....haha :p

Posted by tollebunsmith > 2021-12-14 00:56 | Report Abuse

Thanks sifu stkoay for sharing.

As stated before, I am very diversified

approximately

1) local & foreign shares (DOW) 40%

2) properties & stable dividend instuments,includiing fixed price & non market related 50%

3) 10% cash

4) Physical gold ( unspecified from RM3?


lpalani49 : noted; no right or wrong, as long as u are comfortable

Posted by lpalani49 > 2021-12-14 07:28 | Report Abuse

Vanakkam & Zao Shang Hao, sifus Tolle & Skoay.

'I prefer a spread even if is a bit less lucrative' by that, I was referring to stock only. my invested disposition is almost the same as both of you, except the foreign market part, i do not have mentors/friends to introduce me to it.

I think I am already eligible to be on the list of your, 'a very old uncle conservative portfolio...haha '

See you both around for a long time to come. I am now 45 at heart, cheers.

Posted by jeffchan1901 > 2021-12-14 11:10 | Report Abuse

Sifu Stkoay and Tolle, just wondering, does your portfolio shareholdings include your EPF too (assuming you are working)?

Posted by geniusraider > 2021-12-14 11:10 | Report Abuse

For those who invest in properties can you share whether you face any problems in renting out.? Do you think it's wise to invest in new projects now? Tks.

Posted by jeffchan1901 > 2021-12-14 11:15 | Report Abuse

@geniusraider I have a unit rented out since last year. Rental was lower (even thought location was good) as tenants squeeze due to MCO but to mitigate this my condition was for them to rent 2 years instead of 1 .. at least I wont have headache for the next 2 years since I am accepting a slightly lower rent. hopefully they will renew come next November.

Posted by tollebunsmith > 2021-12-14 11:29 | Report Abuse

jeffchan1901 :

I have added epf to this, as I had taken out a chunk when there was rumours that there was a possiblity of gov involvement to settle debts using epf....just left it below treshhold. ( cant share publicly here about epf tricks)

2) properties & stable dividend instuments,includiing fixed price & non market related 50%

Posted by stkoay > 2021-12-14 11:44 | Report Abuse

@jeffchan1901....yes my 40% fixed income includes EPF but not property.

...the vacant property I have now is my previous residence...I have moved to a new place few years back...and waiting for a good time to sell it off....it's situated in a makan angin area, almost zero commercial activities, so it's quite difficult to rent...

...yes, MBB investors are mostly long term dividend seekers...all same same ....haha :)

Posted by stkoay > 2021-12-14 11:57 | Report Abuse

https://www.theedgemarkets.com/article/maybanks-farid-edge-brc-outstanding-ceo-value-creator-2021

Nice to know our investment is in good hands :)

Posted by stkoay > 2021-12-14 12:48 | Report Abuse

Wee maintained "overweight" on the sector and opined that the recent weakness in banks’ share prices following a knee-jerk reaction to the Cukai Makmur presents an “excellent opportunity” for investors to position for the economic recovery story of banks which remains intact.

“Our positive view on the sector is premised on: a) attractive valuations of -1SD to historical price to book (P/B) mean, b) potential NIM upside surprise given early stages of interest rate upcycle, c) continued credit cost improvement well into 2023, and d) attractive 2022/23 sector average dividend yields of 5%,” he said.

https://www.theedgemarkets.com/article/banking-sector-earnings-recovery-underway-credit-cost-continues-improve-well-2023-says-uob

Posted by geniusraider > 2021-12-14 13:12 | Report Abuse

@jeffchan 1901 Actually the Tenancy Agreement is more favourable for the tenant. Eg I have a corporate tenant who request for the 2 months deposit in lieu of notice to be waived . So we have to come to a compromise. In your case your tenant could stop renew the tendency n you have no recourse.

Posted by Jack888 > 2021-12-14 15:13 | Report Abuse

1483.73....?? Up or down ??

Posted by jeffchan1901 > 2021-12-14 15:42 | Report Abuse

Sifu Stkoay and Tolle, thanks for sharing. Looks like my assets are not maximised.

Most of my funds parked in fixed income 70% (53%EPF, 11%ASN, 0.7%UT&PRS and 1.0%insurance savings), Equity around 21% and balance 9% at cash).

My best performing asset is surprise surprise... Insurance savings plan where Great eastern (30 year old asset) yields between 7% - 15% annually while AIA (10 year old asset) yields between 6% to 8% annually. ASM1 yields 4.25% while 4.0% from ASM2. EPF ard 5%+ annually , UT and PRS around 3%. Worst performing is Equity at 4.63% (including Dividend and net Trade proceeds)

Might need to liquidate my ASN after dividend declared next year.

Posted by jeffchan1901 > 2021-12-14 15:44 | Report Abuse

@geniusraider yeah I know the risk. but am hoping they will extend as the surrounding units are not that cheap either. Am hoping that being a good landlord to them is enough compelling reason for them to continue on :-)

Posted by stkoay > 2021-12-14 17:00 | Report Abuse

@jeffchan...for ASM, you don't need for them to pay dividend before you can withdraw, it's calculated monthly....if you withdraw now, dividend will be calculated till November...withdraw at the begining of the month to maximise....

Posted by jeffchan1901 > 2021-12-14 19:14 | Report Abuse

@stkoay thanks for the info. thought it was the same as EPF. meaning if i withdraw all my funds (zero balance) will i still get the interest on amount before I sold all?

Posted by stkoay > 2021-12-14 19:51 | Report Abuse

Yes...if you withdraw all but leave behind RM10 to maintain the account, they will still pay dividend on their dividend payout date..

ASM...1st April

ASM2...1st Sept

ASM3...1st Oct

Posted by dimmubroker > 2021-12-14 22:31 | Report Abuse

Big sharks are disposing their stocks again today