為什麼我選寶實得？
1）高股息。
2）LTAT 是大股東。LTAT 是軍人退休基金。我的投資目的也是為了準備退休金。
3）27%收入是從種植。最後的低牌。
4）軍事工業。不是平常的公司可以做到的。如造軍事船。
5）產業投資。如大廈收租，酒店。穩定收入。它有五家酒店，和三間大廈，兩間購物廣場收租。
6）建築，產業發展。它有幾個重要性的地點。如怡保路軍營的發展權。
7）醫藥，保健。十年的醫藥供應合約。保證十巴仙的全年收入。
8）金融業。20%Affin Bank的股權。
9）汽油工業和貿易。BHP 汽油。
10）制造業，建築材料生產。
Tuesday, April 10, 2012
爺爺來馬來亞落腳
我的爺爺在一九三零年從中國來到馬來亞。在Perak,加地的地方落腳。他在路邊做起買賣的小生意。他每天騎腳車走三十公里去江沙買貨，把貨物運回加地賣
來賺錢。大約五年後，成立了一間雜貨店。他便把我奶奶和三位兒女接過來。之後還把十六歲的叔公也接來大馬。那時我父親也出世了。可是好景不常，大約一九四
二年時，曰本軍入侵大馬，那時也是最慘痛的時期。我爺爺給曰本軍刹了。雜貨店也給搶劫了。全部貨物一掃而空。全家的支柱倒了，生意也做不下去了。我奶奶只
好去種菜，大伯，二伯幫忙去巴刹賣菜。大姑去打家庭工。叔公去中藥店做學徒。父親還小，在家幫忙種菜。這樣也過了幾年，大伯也到外地的中藥店做學徒了。之
後叔公有一次機會，發覺有一間中藥店要頂出來，可是沒有本錢。我奶奶只好賣了那間爺爺留下的店，用來頂下那間中藥店。我叔公和二伯便在我家族的第一間中藥
店工作了。
公積金宣佈2011年的利息有六巴仙
公積金宣佈2011年的利息有六巴仙，是十年內最高的利息，令
人挀奮。這是我們這些打工一族有錢在工積金在裡面都希望的
事情。我把一部分的工積金買了基金以得到更高的回饋。分散
投資，減少風險。
人挀奮。這是我們這些打工一族有錢在工積金在裡面都希望的
事情。我把一部分的工積金買了基金以得到更高的回饋。分散
投資，減少風險。
創業
看到一些朋友出來創業也有不錯的成績，令我挀奮，我也想出
來幹一塲属于我自已的事业。但是我也想到自己的本錢不多。
也有很重的負擔。萬一事業做不成功。家庭的开支也是要支
付。我只好打消這個念头。我只好做個好員工和做個投資者。
用我每個月多來的資金投資於股市以得到最高的回馈。
今天我去老虎銀行拿錢時，我看到幾位職員正在提款機外面賣 Takaful保险给友族，令我振奮。這生意還有發展的空間因為
友族是很少買保險的。他們還是有很大的市場。老虎現在去做
這生意，做為股東的也覺得高興。還有他的職員在星期天也工
作也是令我括目相看。
來幹一塲属于我自已的事业。但是我也想到自己的本錢不多。
也有很重的負擔。萬一事業做不成功。家庭的开支也是要支
付。我只好打消這個念头。我只好做個好員工和做個投資者。
用我每個月多來的資金投資於股市以得到最高的回馈。
今天我去老虎銀行拿錢時，我看到幾位職員正在提款機外面賣 Takaful保险给友族，令我振奮。這生意還有發展的空間因為
友族是很少買保險的。他們還是有很大的市場。老虎現在去做
這生意，做為股東的也覺得高興。還有他的職員在星期天也工
作也是令我括目相看。
Tuesday, April 3, 2012
YTLPOWR-WB
YTLPOWR-WB, this is the counter that i would like to invest. Now
at price of 0.61sen. Will This counter consider a small "bluechip"
counter. Trading with negative premium and has a long expiry date in
year 2018. With solid mother share and trading with discount is
definitely an attractive company warrant to acquire. Can convert to
mother share anytime with an exercise price of 1.21. Currently trading
almost year low, i would suggest to buy in now as chances of making
money is very high about 90%. If you don't like the mother share,
than this WA may be for your choice.
Maybank expects NIM compression
Maybank; Buy; RM8.80 Price Target: RM10.60; MAY
Maybank expects NIM compression
Maybank expects a contraction of 10 bps in the group’s net interest margin (NIM) in 2012. It cited price competition between banks as the reason as new loans secured at lower pricing has narrowed NIM. This is in line with our expectation as we have imputed 10bps decline in NIM in our FY12 forecasts.
Separately, Maybank said that its exposure to the USD600m (c.RM1.8bn) unsecured funding facility on which Vietnam Shipbuilding Industry Group (Vinashin) has recently defaulted is minimal and insignificant. Maybank’s total assets as at Dec-11 stood at RM451bn and it has a loan loss coverage ratio of 87%.
Maybank remains our top pick among the large cap Malaysian banks. Its dividend yield is appealing at c.6%, assuming a sustainable 70% payout ratio. Apart from its improving domestic business, we believe that its long-term growth potential of its Indonesian operations remains a key re-rating catalyst. Maintain Buy and RM10.60 TP.
Maybank expects NIM compression
Maybank expects a contraction of 10 bps in the group’s net interest margin (NIM) in 2012. It cited price competition between banks as the reason as new loans secured at lower pricing has narrowed NIM. This is in line with our expectation as we have imputed 10bps decline in NIM in our FY12 forecasts.
Separately, Maybank said that its exposure to the USD600m (c.RM1.8bn) unsecured funding facility on which Vietnam Shipbuilding Industry Group (Vinashin) has recently defaulted is minimal and insignificant. Maybank’s total assets as at Dec-11 stood at RM451bn and it has a loan loss coverage ratio of 87%.
Maybank remains our top pick among the large cap Malaysian banks. Its dividend yield is appealing at c.6%, assuming a sustainable 70% payout ratio. Apart from its improving domestic business, we believe that its long-term growth potential of its Indonesian operations remains a key re-rating catalyst. Maintain Buy and RM10.60 TP.
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