Tuesday, 31 July 2018

2018年1月~7月文章目录

每个月的最后一天都会做个目录，方便自己也方便大家~


2018年7月：
LPI 2018年第2季度财政报告
扮演受害者倾向
AEONCR 2018年度报告+2019第1季度财政报告
掌控情绪VS被情绪掌控
PANAMY 2018年第4季度财政报告


2018年6月：
我的2018年上半年投资成绩
AEONCR 2018年股东大会
为了获胜 VS 避免失败 Part.2
COCOLAND 2017年度财政报告
为了获胜 VS 避免失败
向作家之路又迈进了一步


2018年5月：
AEON 2017年度财政报告+2018第1季度财政报告
最近的心情..........
大选之后的第一个股票交易日
HUPSENG 2017 年度财政报告
一个大家都忽略了的买股成本


2018年4月：
OFI 2018年第3季度财政报告
COCOLAND 2017年第4季度财政报告
小刀锯大树
NESTLE 2017年度财政报告
PBBANK的海外业务
我面对大选的投资策略
我的2018年第1季度投资回酬


2018年3月：
造神论
AEON 2017年第4季度财政报告
我的2012年投资成绩
PANAMY 2018年第3季度财政报告
一股致富！


2018年2月：
NESTLE 2017年第4季度财政报告
HUPSENG 2017年第4季度财政报告
F&N 2018年第1季度财政报告
HARTALEGA 2018年第3季度财政报告
我如何解释我的投资
在股票投资上ALL IN


2018年1月：
股价上涨的要素
OFI 2018年第2季度财政报告
其实我讨厌红股与拆细
F&N 2017年度财政报告
我的投资回酬计算方式(ROE & ROA)
我的2017年投资成绩




我的脸书专页
我的推特：@TheCellist86
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List of articles of January~July 2018

I will make a list of articles every last day of the month,
so that is easier for me and for everyone to refer~
July 2018:
LPI 2ndquarter 2018 financial report
Enjoy being the victim
AEONCR 2018 annual report + 1st quarter report
Investing and emotional control
PANAMY 4th quarter 2018 financial report


June 2018:
My investment return for 1st half of 2018
AEONCR AGM 2018
To win or not to lose part2
COCOLAND annual report 2017
To win or not to lose
A step closer for becoming a writer


May 2018:
AEON 2017 annual report + 1st quarter 2018 financial report
Some thoughts lately........
The 1st shares trading day after G.E.
HUPSENG annual report 2017
The cost of investment is much higher than we thought


April 2018:
OFI 3rd quarter 2018 financial report
COCOLAND 4th quarter 2017 financial report
Cutting down trees by using a small knife
NESTLE annual report 2017
Oversea business of PBBANK
My investment strategy for upcoming General Election
My investment return for 1st quarter 2018


March 2018:
Human tendency and idolization
AEON 4th quarter 2017 financial report
My investment return for year 2012
PANAMY 3rd quarter 2018 financial report
Diversification VS Focused Investing


February 2018:
NESTLE 4th quarter 2017 financial report
HUPSENG 4th quarter 2018 financial report
F&N 1st quarter 2018 financial report
HARTALEGA 3rd Quarter 2018 Financial Report
How did I explain my investment
ALL IN!!! At shares investment


January 2018:
Important factors of share price rising
OFI 2nd Quarter 2018 Financial Report
Actually I don't like Bonus Issue & Share Split
F&N Annual Report 2017
How I calculated my investment return(ROA & ROE)
My investment return for year 2017
My Twitter : @TheCellist86
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Sunday, 29 July 2018

LPI 2018年第2季度财政报告


今天来看看LPI最近的财政报告。

 当时我在BURSA的网页看到的第一个画面：

 营业额只进步一点点.........
盈利也少了.........
就连股息也少.....嗯？
不对....
股息多了~
算是一点安慰吧T_T

 根据管理层的发言：

 保险市场竞争越来越激烈 >o<

整个财政报告里面，
就是上面这个表最美了~

 简单来说：

Cashflow from operating activities 比税后盈利还高，
然后公司在investing activites里的支出只有一丁点，
在financing activities里虽然支出很多，
但其实大部分都是派给我们股东的股息，
所以LPI的现金流仍是非常好看的。

 关于今年的Prospects:

还是老生常谈的那几句话........
没关系，
业绩代表一切！

 最后是人见人爱的股息：

 去年每股派27sen，
今年每股派26sen，
股息增加，太好了~~~

 如果你还是不明白股息为什么是增加的话，
那是因为今年LPI有5送1红股活动。

 以此类推，
去年如果有1万股，
那么股息27sen就会收到RM2700。

 今年5送1红股后，
原本的1万股就变成1万2千股，
股息26sen，
就会收到RM3120。

 从RM2700增加到RM3120，
足足增加了超过15%。

 这就是为什么股息少了1sen，
但其实股息增长了超过15%的原因。

 是不是觉得有点麻烦？

 这就是为什么我在2018年1月16日写过一篇<<其实我讨厌红股与拆细>>，
有空可以读读看：
https://thecellist-investment.blogspot.com/2018/01/blog-post_16.html

 今天就写到这里。

 投资就是自己思考，自己做决定。

 感谢阅读。












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LPI 2nd quarter 2018 financial report


Today let's have a look at LPI latest financial report.

 The 1st thing that I saw when I opened the web page on BURSA website:

Revenue only improved a little.........
Profit dropped.......
Even dividend also.........Eh?
Wait....
Dividend increased~~~
Served as a consolation prize then T_T

 Message from the management:

Keener competition at general insurance market >o<
For everything inside the financial report,
the above table was the most pleasant thing to look at~

 Basically,

The Cashflow from operating activities was higher than Profit after tax,
the expenses of investing activities only a little,
even though the expenses in financing activities were higher,
it was actually the dividend for us shareholder,
so the cashflow of LPI still looked beautifully.

 Prospects for current year:

Always the same sentence.............

 Is okay,
result meant everything!

 Lastly,
everyone's favorite dividend:
Last year was 27sen per share,
this year is 26sen per share,
dividend increased,
hooray~~~~

 If you still don't understand why did I say dividend increased,
that is because earlier this year LPI went through bonus issue activity.

 As a result,
if last year you have 10000 shares,
then 27sen per share,
you will receive RM2700 as dividend.

 After bonus issue this year,
the amount of shares increased from 10000 to 12000,
so now 26sen per share,
you will receive RM3120 as dividend.

 From RM2700 to RM3120,
the increment was more than 15%~

 It was quite troublesome to calculate right?

 That's why at 16th January 2018,
I wrote an article <<Actually I don't like Bonus Issue & Shares Split>>,
feel free to read it here:
https://thecellist-investment.blogspot.com/2018/01/actually-i-dont-like-bonus-issue-share.html

 That's all for today.

 Investment is about doing own thinking, making own decision.

 Thanks for reading.


I don't provide any buying/selling suggestion above,
please make your own investment decision and be responsible with it.
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Sunday, 22 July 2018

扮演受害者的倾向


今天又是回顾以前写过的文章。

 这篇文是我在2012年于Investalks论坛发表过的旧文，
短短的几段话，转贴过来这里，
并加上一些现在的想法。
旧文开始：

 每个人或许都有过被欺负、被欺骗、被人蒙蔽、被人看不起等不好的经验。

 我们或多或少都当过“受害者”，
但我们仍然可以选择。

 是要一直把身为“受害者”的经历常挂在嘴边？
然后享受身边众人同情的眼光？

 是要一直把身为“受害者”的经历当做自己做事情的推动力？
用不好的过去来鞭策自己？

 但是我们不可以忘记“吸引力法则”，
越去关注自己是“受害者”，
越是时常提起自己的“受害经历”，
越是让这些“不好的经历”来推动自己，

 最终，
只会吸引更多同样不好的东西来到你身边。

 这样，
会快乐吗？

 我并没有说这些都不对，
也不是在暗讽任何人，
我只是在提醒曾经受害的我。

 富人相信：“生活是有选择的，我选择如何过我的生活。”
穷人相信：“生活发生在我身上，我没得选择，就是这样的咯....."

 所以，
我不会把这些不好的过去常挂嘴边，
也不会让这些不好的过去来推动自己。

 这些，是我的选择。

 旧文结束。
当年写这篇文章是在2012年，
现在6年过去了，
我的看法仍然没有变。

 这几年来，
我接触了更多的人，
也发现真的很多人喜欢扮演“受害者”。

 还在读书的人，
考试成绩不好，
就每天都在抱怨学校老师教不好，
自己只是受害者。

 出来社会的人，
生活过得不好，
就每天都在抱怨当今政府管理国家不当，
自己只是个可怜的受害者。

 当然，
就像上面所说的，
毕竟当个受害者后，
就可以责怪别人，不必处处责怪自己，
心理负担会少很多，
而人类本来就倾向于选择让自己舒服的道路，
这就是人类的本性。

 幸运的是，
我们无法换掉学校老师，
但我们可以换政府。

 如今换了政府，
受害者们都很开心，
毕竟他们认为的“加害者”已经不在了。

 但随着时间的经过，
受害者们会开始发现自己的生活并没有改善很多。

 那么，
是要继续扮演受害者，
责怪当今的新政府？

 还是开始醒觉，
不再沉溺于扮演受害者，
自己努力去改善自己的生活？

 投资也是一样，
投资亏损了，
要责怪政府？
要责怪大势？
要责怪大师？

 或者，
停止当个受害者，
自己负起责任，
投资亏损也不责怪他人？

 一切都是自己的选择。

 投资就是自己思考，自己做决定。

 感谢阅读。











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Enjoy Being The Victim


Today I would like review an old article that I written before.

 I wrote this article at year 2012 and published it at Investalks forum,
and now I decided to paste it here and translate into English language,
also adding some current thoughs.
The starting of old article:

 I believe that everyone had some sort of bad experiences such as being bullied by,
being cheated by, being ignored by other people.

 We had become VICTIM for a few times.

 However,
WE CAN CHOOSE.

 We can choose to talk about our stories of being a VICTIM every time,
and enjoy being sympathized by others.

 We can choose to make our VICTIM stories as a motivation to push us moving forward,
using our bad past experiences as an engine.

 However,
please remember the LAW OF ATTRACTION.

 If we pay more attentions at being a VICTIM,
if we kept talking about our VICTIM stories,
if we kept using our VICTIM experiences to push us moving forward.........

 At last,
we will just attract more bad things coming to ourselves.

 Will we be happy with that?

 I didn't say this is wrong,
and I am not trying to hint someone else,
I am here to remind me who was a VICTIM.

 The rich believe that:
"Life has choice, and I choose how I will live my life."

 The poor believe that:
"Life happens to me, I have no choice, I can't choose........"

 So.....
I will not kept talking about my VICTIM stories,
and I will not use it as a motivation to push me moving forward.

 This,
is my choice.

 The end of old article.
I wrote this article at year 2012,
6 years have passed since then,
and I still think the same.

 For all these years,
I met a lot of people,
and realized that a lot of them enjoy being the VICTIM.

 Those who still studying,
when their school result is bad,
they will play the VICTIM and blame the bad teaching of their school teacher.

 Those who working,
when they feel that their money is not enough,
they will play the VICTIM and blame the mismanagement by the government.

 Of course,
just like what I mentioned before,
being a VICTIM enabled us to blame other people instead of blaming ourselves,
we will feel less burden mentally.

 This is human's natural,
to choose a road which is more comfortable for themselves.

 Luckily,
we couldn't change the school teacher,
but we changed the government.

 Since now the government has changed,
all the VICTIM are very happy,
since the CULPRIT that they assumed is gone.

 As time goes by,
all the VICTIM will soon realize that their lives do not improve a lot.

 So..............
will they continue to being the VICTIM,
and blame the new government?

 Or.........
will they realize,
and no more enjoying being the VICTIM,
work hard to change their own lives?

 Same like investment.

 If you lost money in investment,
will you play the VICTIM and blame the government?
Blame the trend?
Blame the gurus?

 Or..........
will you stop playing as VICTIM,
take up your own responsibility and no more blaming others?

 Is all up to your own choice.

 Investment is about doing own thinking, making own decision.

 Thanks for reading.


I don't provide any buying/selling suggestion above,
please make your own investment decision and be responsible with it.
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Sunday, 15 July 2018

AEONCR 2018年度财政报告+2019年第1季财政报告


今天来看看AEONCR的年度财政报告好了。

 过去5年的表现：

 每年营业额和盈利都有增长，
是值得留意的公司。

 AEONCR的业务：

3大王牌是Personal, Car和Motorcycle financing。

 来自管理层的发言：
当中可以看到"Moped" category的摩托车是成长的主要动力之一。

 然后公司在car financing方面实行更严格的审核，才会造成此区域的成长不高。

 信用卡方面：

 几乎都有超过10%的成长。

 今年的展望：

主要是分行的转型计划，
让顾客可以在网上申请或自助服务。

 今年也会使用新的会计准则，
根据上面的说法，
公司会提早认列信用损失，保留盈利也会减少........

 然后公司最近也开始攻打高收入客户市场，
不懂能分得到多少蛋糕呢？

 最近AEONCR也发布了第1季的财政报告：

 营业额虽然只进步7.8%，
但因为Total operating expenses减少，
双管齐下，
Profit有了长足的进步。

 当然，
不能高兴太早，
就像上面所提到的，
使用新的会计准则后，
Retained earnings:

 少了几乎三分之一...............

 管理层的发言：

 NPL已经降到2.26%。
然后Total operating expense与Revenue的比例从58.2%降低到50.6%。

 关于今年的发展：
仍然是说根据公司的商业计划，
有信心维持今年的业绩。

 以上。

 投资就是自己思考，自己做决定。

 感谢阅读。










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AEONCR 2018 Annual Report + 1st quarter 2019 financial report


Today let's have a look at AEONCR 2018 annual report.

 First,
the past 5 years performance:
It is definitely a company which worth to be putting attention at,
since the revenue and profit grew every year.

 The product segment of AEONCR:
The three key products are Personal, Car and Motorcycle financing.

 The operational review by management:

Seems like the financing of "Moped" category of motorcycles was key driver of growth.

 The company also tightened credit policies of car financing,
that's why lower growth in this segment.

 For the card business:

Not bad,
more than 10% growth.

 The prospects for this year:

This year mainly will be the branch transformation,
web application and self-service terminals.

 Also,
a new accounting standard will be applicable in this year.
According to what was told above,
it will result in earlier recognition of credit losses on receivables and decrease in opening retained earnings.
Hmmm.............

 This made me started to worry about the financial performance of this year.............

 Then the company also targeting lower risk profile customers,
how many percentage of market shares will they gain in this year?

 Also,
AEONCR just published latest quarter financial report:

Even though the revenue only improved by 7.8%,
but since the Total operating expenses reduced by 6.4%,
so overall the profit growth was good.

 Well....
we shouldn't be happy too fast,
just like what mentioned above,
after applying new accounting standard,
the Retained earnings:

Around 1/3 were gone..............

 Comments by management:

NPL dropped to 2.26%,
and the ratio of operating expense against revenue dropped from 58.2% to 50.6%.

 Prospect for this year:
Still the same messages like based on the scheduled implementation of business plan,
the company expects to maintain its financial performance.

 That's all for the latest financial report.

 Investment is about doing own thinking, making own decision.

 Thanks for reading.

I don't provide any buying/selling suggestion above,
please make your own investment decision and be responsible with it.
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Monday, 9 July 2018

掌控情绪 VS 被情绪掌控


今天又是回顾以前写过的文章。

 这篇文是我在2013年于Investalks论坛发表过的旧文，
短短的几段话，转贴过来这里，
并加上一些现在的想法。
旧文开始：


 有些人买股票，心就是不能定下来。

 买了想要长期持有的股票，
但......
心不定。

 放不下心，就退场。
退场了又放不下心，就进场。
进了场又再放不下心，就退场。
退了场又再再放不下心，就进场。
进了场又再再再放不下心，就退场。

 进场、退场、进场、退场、进场、退场。

 如此反反复复。
赚最多的，
是“里卖蛇”。

 问题不在于进场或退场。

 而是如何进了场能心安理得。
若有天退了场也能心安理得。

 不能被“心安理得”支配，
要能支配“心安理得”。

 换句话说，
投资者不能被情绪掌控，
要能掌控情绪。

 与大家共勉之。

 旧文结束。
看回当年写过的文章，
如今的我还是一样地认同。

 所以这些年来，
我在股票投资上一直都是机械化式的操作，
设定计划，然后实行，
尽量让情绪影响最小化。

 当然，
这并非是完美的操作，
但至少避免了因为一时情绪不定而冲动地买进卖出。

 要掌控自己的投资，
就得先掌控自己的情绪。

 如此一来，
才能够做出理性的思考和决定。

 感谢阅读。








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Investing and Emotional Control


Today I would like to review one of the article that I written before.

An old article that I wrote at year 2013 and published at Investalks forum,
just a few paragraphs,
but I added some new sentences at the end of the old article.

So.....
old article starts here:
Some people learnt to invest in shares,
but didn't learn how to control their emotion.

 They bought a shares and aimed to hold it for long term.
HOWEVER..............
they let their emotion controlled them.

 When they worried that the shares price will drop tomorrow,
they sold the shares.

 After selling it,
they worried again that the shares price will rise tomorrow,
so they bought it back.

 After buying it,
they again worried that the shares price will drop tomorrow,
so they sold it again.

 After selling it,
they worried again that the shares price will rise tomorrow,
so they bought it back.

 Buying, selling, buying, selling, buying, selling, buying, selling, buying, selling,

They repeated it over and over again,
at the end the one who earned the most money,
is their remisier.

 The main problem is not about buying and selling.

 The thing is,
how to be stable emotionally after buying or selling a shares.

 Don't be controlled by emotion,
instead,
control your emotion.

 The end of old article.
Looking back at my old article,
even now I still think the same.

 For all these years,
I always invest like a robot,
I set a plan and followed through it,
so that I was able to minimize myself from being influenced by my emotion.

 Of course,
this was not the perfect way,
but atleast I prevented myself from making investment decision just because I felt like doing it.

 To control our investment,
first we need to control our emotion.

 Then,
only we are able to think and to decided rationally.

 Thanks for reading.


I don't provide any buying/selling suggestion above,
please make your own investment decision and be responsible with it.

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