Showing posts with label lpi. Show all posts
Showing posts with label lpi. Show all posts

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。














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.



Sunday, 29 October 2017

Year 2017:The consequence of long term investing.....................

I written this article 2 years ago at the investment forum,
and then I update it at end of October every year.

Why did I write this article last time?

This is because 2 years ago at the investment forum,
someone with username "saingkee5151" posted an thread with the title "Long term investment, 10 years strategy!!".
(the thread title is directly translated from mandarin so......... -_-)

Anyway,
at that time I felt like post something at that thread too.
However I started investing at year 2011 and it was year 2015 that time.
People talked about 10 years, my investment experience only around half of 10years,
so I felt like I am not qualified to say anything at that thread..........

I was curious though.
Those shares that I bought at my early time and hold it until now,
how much returns were they?

So I started to record:
(based on closing price of 27th October 2017, I only record those shares that I bought and still holding them until now.)

1st,
is the shares I bought at year 2014:


LPI。
Today closing price:RM18.24
Lowest price bought at that year :RM11.24 (adjusted with bonus issue)
Return (excluding dividends ):62.3%
Dividend (according to payment date):
2014 : 13.3sen
2015 : 36.7sen+20sen
2016 : 50sen +25sen
2017 : 55sen + 27sen
Total dividend :RM2.27
RM18.24+RM2.27 = RM20.51 (Total return is 82.5%)
If I used 1millions to buy in that time,
it will grows into 1.825millions now.
If leverage, easily 2millions.
If dare to maximize leverage, can reach 3millions.


Then, the shares that I bought at 2012:


AEONCR.
Today closing price:RM13.94
Lowest price bought at that year :RM5.58  (adjusted after 2 times bonus issues )
Return (excluding dividends ):149.8%
Dividend (according to payment date):
2012 : 9.3sen+10.7sen
2013 : 13sen + 14.9sen
2014 : 16sen+18.3sen
2015 : 19.7sen+19.9sen
2016 : 19.7sen +20.3sen
2017 : 21.7sen
Total dividend :RM1.835
RM13.94+RM1.835 = RM15.775 (Total return is 182.7%)
If I used 1millions to buy in that time,
it will grows into 2.827millions now.
If leverage, easily 4millions.
If dare to maximize leverage, can reach 5millions.


Lastly, those shares that I bought at year 2011:

PANAMY.
Today closing price:RM39
Lowest price bought at that year :RM17.50
Return (excluding dividends ):122.9%
Dividend (according to payment date):
2012 : 11.25sen+78.75sen
2013 : 11.25sen+173sen
2014 : 11.25sen+58sen
2015 : 15sen+127sen
2016 : 15sen+124sen
2017 : 15sen+102sen
Total dividend :RM7.415
RM39+RM7.415 = RM46.415 (Total return is 165.2%)
If I used 1millions to buy in that time,
it will grows into 2.625millions now.
If leverage, easily 3millions.
If dare to maximize leverage, can reach 4millions.


PBBANK.
Today closing price:RM20.48
Lowest price bought at that year :RM12.68
Return (excluding dividends )):61.5%
Dividend (according to payment date):
2011 : 20sen + 28sen
2012 : 20sen + 30sen
2013 : 22sen + 30sen
2014 : 23sen + 31sen
2015 : 24sen + 32sen
2016 : 26sen + 32sen
2017 : 27sen
Total dividend :RM3.45
RM20.48+RM3.45 = RM23.93 (Total return is 88.7%)
If I used 1millions to buy in that time,
it will grows into 1.887millions now.
If leverage, easily 2millions.
If dare to maximize leverage, can reach 3millions.


NESTLE.
Today closing price:RM87
Lowest price bought at that year :RM47.60
Return (excluding dividends )):82.8%
Dividend (according to payment date):
2011 : 55sen
2012 : 125+55sen
2013 : 155+60sen
2014 : 175+60sen
2015 : 175+65+65sen
2016 : 130+70+70sen
2017 : 130+70sen
Total dividend :RM14.60
RM87+RM14.60 = RM101.60(Total return is 113.4%)
If I used 1millions to buy in that time,
it will grows into 2.134millions now.
If leverage, easily 3millions.
If dare to maximize leverage, can reach 4millions.



AEON
Today closing price:RM2.05
Lowest price bought at that year :RM1.4425
Return (excluding dividends )):42.1%
Dividend (according to payment date):
2011 : 4sen
2012 : 4.75sen
2013 : 6sen
2014 : 5.5sen
2015 : 5sen
2016 : 4sen
2017 : 3sen
Total dividend :RM0.3225
RM2.05+RM0.3225 = RM2.3725(Total return is 64.5%)
If I used 1millions to buy in that time,
it will grows into 1.645millions now.
If leverage, easily 2millions.
If dare to maximize leverage, can reach 3millions.


DLADY
Today closing price:RM60.02
Lowest price bought at that year :RM18.44
Return (excluding dividends ):225.5%
Dividend (according to payment date):
2011 : 37.5sen
2012 : 130+130sen
2013 : 130+130sen
2014 : 110+110sen
2015 : 110+110sen
2016 : 110+110sen
2017 : 110+60sen
Total dividend :RM13.875
RM60.02+RM13.875 = RM73.895(Total return is 300.7%)
If I used 1millions to buy in that time,
it will grows into 4.007millions now.
If leverage, easily 6millions.
If dare to maximize leverage, can reach 8millions.



Everytime after finishing this,
I always feel wasted that if only I have 1 million at year 2011.....
but at that time my investment capital was not even 5 figures..........

Anyway,
this year is already my 7th year of long term investing,
and I will still apply this same strategy.

I will update this article next year October~



Related links :
Public Bank 3rd quarter financial result
My opinion about oversea market
Handling investment with ease
Comparison of portfolio at the start and end of year 2011
My current investment portfolio


Other links:
My self-introduction article
My Facebook Page
My Twitter : @TheCellist86


2017年篇:长期投资的后果...........

这篇文章,
我从2年前就在投资论坛那里写过了,
然后每年10月尾都会更新一次。

当时为什么会写这篇文章呢?

那是因为一位论坛网友saingkee5151兄发了一个标题为“长期投资,十年大计!!”的帖子。
当时想过去留言说点什么,
但那时是2015年,而我从2011年开始投资,
人家既然要10年,
那么当时只有10年投资经历一半的我也没有资格说些什么......

不过那时也很好奇,
我早期买入的股项一直持有了几年后,
到现在究竟会有多少回酬呢?

所以我就开始记录:
(根据2017年10月27日的闭市价,所记录的都是当时买入后一直持有到现在的股项。)

首先,
是2014年所买入的:


LPI。
今天闭市价:RM18.24
2014年最低买入价:RM11.24 (股价已经随红股调整)
回酬(未包括股息):62.3%
股息(根据收到的日期):
2014 : 13.3sen
2015 : 36.7sen+20sen
2016 : 50sen +25sen
2017 : 55sen + 27sen
总股息:RM2.27
RM18.24+RM2.27 = RM20.51 (总回酬为82.5%)
也就是说当年如果用1million买进,
那么现在会变成1.825million。
肯用杠杆的话,突破2million也可以。
如果当敢死队,去大力杠杆的话,直逼3million。


然后,
是2012年买入的:

AEONCR.
今天闭市价:RM13.94
2012年最低买入价:RM5.58  (股价已经随2次红股调整)
回酬(未包括股息):149.8%
股息(根据收到的日期):
2012 : 9.3sen+10.7sen
2013 : 13sen + 14.9sen
2014 : 16sen+18.3sen
2015 : 19.7sen+19.9sen
2016 : 19.7sen +20.3sen
2017 : 21.7sen
总股息:RM1.835
RM13.94+RM1.835 = RM15.775 (总回酬为182.7%)
也就是说当年如果用1million买进,
那么现在会变成2.827million。
肯用杠杆的话,突破4million也可以。
如果当敢死队,去大力杠杆的话,直逼5million。


然后,
是2011年买入的:

PANAMY.
今天闭市价:RM39
2011年最低买入价:RM17.50
回酬(未包括股息):122.9%
股息(根据收到的日期):
2012 : 11.25sen+78.75sen
2013 : 11.25sen+173sen
2014 : 11.25sen+58sen
2015 : 15sen+127sen
2016 : 15sen+124sen
2017 : 15sen+102sen
总股息:RM7.415
RM39+RM7.415 = RM46.415 (总回酬为165.2%)
也就是说当年如果用1million买进,
那么现在会变成2.652million。
肯用杠杆的话,突破3million也可以。
如果当敢死队,去大力杠杆的话,直逼4million。


PBBANK.
今天闭市价:RM20.48
2011年最低买入价:RM12.68
回酬(未包括股息):61.5%
股息(根据收到的日期):
2011 : 20sen + 28sen
2012 : 20sen + 30sen
2013 : 22sen + 30sen
2014 : 23sen + 31sen
2015 : 24sen + 32sen
2016 : 26sen + 32sen
2017 : 27sen
总股息:RM3.45
RM20.48+RM3.45 = RM23.93 (总回酬为88.7%)
也就是说当年如果用1million买进,
那么现在会变成1.887million。
肯用杠杆的话,突破2million也可以。
如果当敢死队,去大力杠杆的话,直逼3million。


NESTLE.
今天闭市价:RM87
2011年最低买入价:RM47.60
回酬(未包括股息):82.8%
股息(根据收到的日期):
2011 : 55sen
2012 : 125+55sen
2013 : 155+60sen
2014 : 175+60sen
2015 : 175+65+65sen
2016 : 130+70+70sen
2017 : 130+70sen
总股息:RM14.60
RM87+RM14.60 = RM101.60(总回酬为113.4%)
也就是说当年如果用1million买进,
那么现在会变成2.134million。
肯用杠杆的话,突破3million也可以。
如果当敢死队,去大力杠杆的话,直逼4million。


AEON
今天闭市价:RM2.05
2011年最低买入价:RM1.4425
回酬(未包括股息):42.1%
股息(根据收到的日期):
2011 : 4sen
2012 : 4.75sen
2013 : 6sen
2014 : 5.5sen
2015 : 5sen
2016 : 4sen
2017 : 3sen
总股息:RM0.3225
RM2.05+RM0.3225 = RM2.3725(总回酬为64.5%)
也就是说当年如果用1million买进,
那么现在会变成1.645million。
肯用杠杆的话,突破2million也可以。
如果当敢死队,去大力杠杆的话,直逼3million。



DLADY
今天闭市价:RM60.02
2011年最低买入价:RM18.44
回酬(未包括股息):225.5%
股息(根据收到的日期):
2011 : 37.5sen
2012 : 130+130sen
2013 : 130+130sen
2014 : 110+110sen
2015 : 110+110sen
2016 : 110+110sen
2017 : 110+60sen
总股息:RM13.875
RM60.02+RM13.875 = RM73.895(总回酬为300.7%)
也就是说当年如果用1million买进,
那么现在会变成4.007million。
肯用杠杆的话,突破6million也可以。
如果当敢死队,去大力杠杆的话,直逼8million。


每次写完,
我都会感到遗憾说要是2011年时就有1百万好了.....
偏偏当时我的资金连5位数都不到......

不管怎样,
现在我已经迈入长期投资的第7年,
希望以后也能继续坚持下去。

也请期待明年的2018年篇~


相关链接:
大众银行2017年第三季度财政报告
对于海外市场的看法
轻松应付投资
2011年头与年尾的投资组合比较
我目前的股市投资组合


其他链接:
我的第一篇自我介绍文
我的脸书专页
我的推特:@TheCellist86