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Tune protect revenue and profits for general insurance keep dropping , will abit with for this , and bites size insurance will be a new trend ? What your opinion for this ? Let discuss!
I hold quite a number of Tunepro shares. Can I sincerely seek your advice on the followings:-
1) From one of the news reported, I understand that Tunepro's exposure to compensation/claims due to flood is still manageable which is lower than RM2.5 million. This has proven that Tunepro is well covered by Reinsurance.
In the long run, do you think more and more consumers will be aware of the importance to buy insurance for natural catastrophe? If yes, can I expect to see increase in revenue arising from the natural catastrophe insurance program?
2) From an interview between you and a reporter, I understand the revenue related to travel has been increased tremendously.
Would the revenue arising from the re-opening of tourism be sufficiently greater to cover the compensation/claims claimed by customers who have protection under natural catastrophe?
3) Tunepro has not been distributing Dividends since FY2019. As shareholder, I could see gradual improvement in the Company's operation.
Would the Board consider distributing Dividends after releasing Quarter Result? This is critical to prove that Tunepro has placed considerable care in ensuring shareholders' welfare is taken care of properly.
4) I understand that Tunepro is gradually going into Insuretech.
Would you be able to advise the expected timeline like when BNM will approve Tunepro's proposal to venture into the use of cloud base portal for insurance business as well as the expected timeline Tunepro will fully launch Insuretech? This is critical as to reduce cost and enhance efficiency.
Please note that I am very keen to discuss further with you should there be a channel to reach you. I am a serious shareholder. Kindly PM me your direct contact details at your convenience.
Please have faith in Rohit's leadership. I am afraid the price today might not be available after CNY.
I am impressed with prompt responses given by Rohit's team, especially Affryll, Head of Investor Relations.
I believe that tone at the top. From my observation of Tunepro's business development plan, I strongly believe that Tunepro will be improving significantly over certain period of time. TUNEPRO's IR team, I give them 100 marks because of their agile responses
有两个大型的Merger and Acquisition 将会在Indonesia and Vietnam 走着，in progress now, once transactions are completed, Tunepro will achieve synergy and unlock value. 估计今年会完成MnA transactions
最后，我向高层还有Rohit 的team 反映了作为一个真心股东的心声，我向高层提议so that Rohit 可以反映我的想法给BOD to propose dividend of at least 6% dividend yield 来回馈股东。
Based on my several years of experience, as tomorrow is CNY Eve and share market will only be opened half day. Normally, syndicates will purposely sell in volume to create negative sentiment so that naive retail investors will be panic selling in lower price. Which, in turn create a good opportunity for the Syndicates to buy at cheaper and lower price.
My advice to retail investors is to hold tightly as the number of shares for Tunepro is very much limited. After you sell at this price, you will not be able to get lower buying price.
I have also informed my 4 local stock investment groups and 1 overseas group so that for those who are keen in collecting Tunepro this hidden gem can queue at lower price. Should the Syndicate sell at lower price to create panic, my comrades can collect cheapo tickets. As to what price, my group of members is queuing, I could not disclose as it is my investment strategy.
Tunepro's QR result will be announced on 25 February 2022 as per my discussion with the Investor Relations Head. By that time, all positive and good news will be announced eventually.
I have represented my group of shareholders to convey message to the CEO, Mr. Rohit Nambiar so that Dividend be proposed to the Board so as to at least reward Shareholders who have been so loyal to Tunepro and by giving Dividends, Shareholders or Investors will have more confidence in Tunepro and Rohit's Leadership.
This is highly possible because Dividend has not been declared since FY2019. As per my conversation with the IR, year 2020 and year 2021 Tunepro undertook several recovery measures as well as expansion plan which includes but is not limited to potential Mergers & Acqusition Projects in Vietnam and Indonesia. Once the Transactions are completed, the value of Tunepro will be increased significantly in view of its value being unlocked and synergy from the business combination.
I am also in M&A field and let me tell you, normally M&A involving insurance company will have a higher likelihood to be successful. The reason is very simple, Insurance Business will never be a sunset industry.
Some of my rationales based on study and clarification with IR are as followed:-
(1) Tunepro's business has slowly be diversified under Rohit's leadership. Please check the latest Corporate Day's slide for further information. Insurance business will always be the winner. Current price of RM0.430 is still considered a discounted price. If you are not willing to buy now, when do you want to buy? Remember, Warren Buffet said: Price is What you Pay, VALUE is what you buy! Buy now before the price is skyrocketing.
(2) Tunepro's price is considered undervalued already. The downside is very limited and upside is unlimited in view of the Company's plan. Historically, if you look at other insurance companies like Takaful, Allianz, LPI, initially all is at lower price. You will enjoy higher Return if you could hold for long term for at least 2-5 years. All insurance Companies have been multibaggar! Listen to Charlie Munger: "The Big Money is in the Waiting"!
(3) Tunepro's share is the best sanctuary if US market crashes. The IPO Price was set at RM1.35. The current price of RM0.430 is almost a 70% discount or Mega Sale! Remember, the NTA is around RM0.74 per share. I do not see any risk associated with long term investment in Tunepro in view of Rohit team's strategic plan. Furthermore, those who are willing to collect and buy Tunepro right now are mostly Value Shareholders who are not afraid of Black Swan! The downside is really very very much limited. Let's hold Long Term and Tunepro will reward shareholders handsomely!
Lastly, my advice is to HOLD TIGHTLY, WAIT PATIENTLY, KEEP COLLECTING IF YOU COULD AFFORD HOLDING.
My hint to everyone is to WAIT for the M&A to be completed! Handsome Reward is awaiting us! Gong Xi Fa Chai!
Disclaimer: The above comments are only for sharing purpose and shall not be construed or treated as an investment call. Remember, money is yours and you should be making investment decision responsibly.
One of the potentials candidates to be granted Malaysian Digital Banking Licence is (1) 1. BigPay consortium with MIDF and Ikhlas Capital
Who they are: BigPay is a financial service by airasia Digital that provides users who register through its free app with a prepaid debit card that can be used wherever Visa or Mastercard are globally accepted.
The fintech app has partnered with financial services, Malaysian Industrial Development Finance Berhad (MIDF), and Ikhlas Capital, a Singapore-based private equity fund manager to apply for a digital banking license.
Their potential: MIDF is focused on providing services in the areas of investment banking, asset management, and development finance while Ikhlas Capital has over US$300 million of assets under management.
This points to a potential for the consortium to have the assets and capital to build products and services aiding underserved markets in Malaysia, including individuals and businesses. Not to mention, BigPay has recorded 1 million card users as of December 2021, pointing to a market primed for its digital banking services.
Aside from being a portfolio company of one of Malaysia’s three unicorns, if BigPay were to be granted a digital banking licence, it’d be a homegrown success story that’ll do Malaysia proud.
Important Points:-
On 26 January 2022, the Edge, Mr. Rohit has already mentioned that he is optimistic that Air Asia will be back!
“I look at it as a massive opportunity because we know AirAsia is going to come back. This number will grow, and when it does, it will add on to these new businesses that we have,” he explained.
With Rohit's vision and goal to enable Tunepro to venture into InsureTech, I could foresee another big synergy formed between Tunepro and Air Asia should the latter obtain Digital Banking Licence from BNM.
Advice is to HOLD tightly Tunepro share which you had bought at lower price and wait for the fruits to be harvested soon. By end of year 2022, BNM should be announcing the winner for the licence.
More and more good news are coming soon. Why should we worry and dump Tunepro's share? My team is preparing to queue and collect more if Syndicates dump the shares tomorrow!
Disclaimer: The above comments are only for sharing purpose and shall not be construed or treated as an investment call. Remember, money is yours and you should be making investment decision responsibly.
1 RESET, need to look at long term investment, current price is undervalued
Yutaka, my group do not follow any group recommendation, we have been studying this share long time ago, even when Tony changed the main shareholder from Airasia Group to Air Asia Digital services in 2020
we study and we aim for long term investment. I even spoke to the head of IR and conveyed shareholders' message to Rohit so that Dividends be proposed
when aax and AirAsia in trouble, tunepro will be in trouble....since aa is one of the customer and shareholder....aa can defer customer payment to tunepro....auditor only see figures but didn't have experience on how the biz operation....
when aax and aa went bankrupt, tunepro will go Holland since a big chunk of customer came from airline insurance....... theory is different entity...once understand biz model, it's a different story.... account any only see figures but no biz sense
a very good example is genting hk went bankrupt, genting is a different entity also felt the pain since investor afraid director will use genting to bail out genting hk.....
all the ticket and insurance refund by airaisa already burnt....simple connection between aa and tunepro....aa won't able to pay tunepro when facing cashflow problem...they will waive payment just like aax do with their crediters.....figures won't able to read upcoming events
no matter how much travel insurance , once aax aa delist, all the money be burnt..... current ly aax aa already holding alll the payment to creditors....inter related biz
Auditor Consultant, I fully support your view. I have been following your investment and trading strategy and have never made any losses after using your strategy which is based on Value Investment Guru, Warren Buffet and Charlie Munger. I believe now more and more people want to trigger anxiety among retail investors so that they could collect cheaper ticket. I will be queuing also in case of Syndicates throwing ticket, I will be collecting. TUNEPRO is a hidden gem like what Auditor Consultant said. I will buy more and more and hold tightly!
I will identify more and more hidden gem and share to every members who trust me
just remember one point, do not trust 课程老，easy question to tackle 课程老，are they making money via subscription fee or are they making money via stock investment
let's queue more and more as Syndicates might throw again
we need to cooperate and queue to make sure we collected cheap from the syndicates