Yutaka

you not boring ar

keep on linking airasia to tunepro

already mentioned and clarified by Rohit

reliance on airasia is only 3 to 4 percent

we will ignore you

whatever you wanna say it is up to you to Siok sendiri

From 16-18 Feb 2022, the voluminous sales were probably done on purpose by Syndicates to trigger anxiety among the retail investors so that they could collect cheap and lower priced shares.

my Comrades who did due diligence check informed me that the possible Average Cost for Syndicates or Sharks is around RM0.380. As long as your price is not very far from RM0.380, you do not need to worry even if you are a short term trader. If you are a Long Term Value Investor, please ignore any fluctuation occurred recently as it is meaningless in view of the bright future for Tunepro.

My group will keep collecting and buying whenever Syndicates or Sharks sell ticket to trigger anxiety

Thank you, Sharks and Syndicates.

My group of members will continue to buy and buy and collect. We aim for Long Term Value Investment as Tunepro's future prospect is very good,

We look forward to seeing successful closure of Merger and Acquisition Deals between Tunepro and Industry Player in Vietnam and Indonesia.

Within the last 5 years, the price of Tunepro was at its highest on 22 May 2017 at RM1.540 and its lowest was on 19 March 2020 at RM0.230 during the first MCO and lockdown in year 2020.

RM1.540 on 22 May 2017
RM0.720 on 22 May 2018
RM0.695 on 21 May 2019
RM0.230 on 19 March 2020
RM0.340 on 22 May 2020
RM0.395 on 21 May 2021
RM0.525 on 16 November 2021

Now the price is very stable in the range of RM0.395 to RM0.410.

From the highest point RM1.540 to its lowest point of RM0.230, it took only less than 3 years to plummet to the lowest. I strongly believe that after the re-opening of border, and re-opening of economic activities, the post Covid and recovery of economy will drive the performance of Tunepro as it is one of the beneficiary due to mandatory requirement to have Travel Insurance and its implementation of Bite-Size insurance plan soon coupled with the use of InsureTech concept.

To me, my prudent view is that Tunepro's value could be go to above RM1.00 within 2 years time and go up to RM2.00 within 4 years time.

My group will hold Tunepro for Long Term and will buy and collect from month to month as Tunepro will be the next Multibaggar!

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.

I did due diligence on Rohit for his experience and contribution done to AXA Affin Life Insurance Berhad. It was incredibly impressive even I spoke to friends in Insurance industries who have ever worked with Rohit before.

Also, I spoke to his current colleague in Tunepro and they gave positive feedback (that time I have not yet been a shareholder).

No need to doubt is Rohit's leadership and after I did due diligence review, I would give my full support and unconditional trust in him.

For your information, before joining Tunepro, Rohit was working for AXA for more than 15 years. Rohit had been transferred to 5 different countries and had taken up 11 different roles throughout his tenure in AXA Affin. He started his career as an Analyst in India and gradually worked his way through the ranks in United Kingdom, Singapore, Hong Kong and now Malaysia.

Our team have full confidence in Rohit's leadership as fewer members in my group are top management level in Insurance Industries with Tunepro's competitors and we know him well.

Dear Rohit_Nambiar,

My group of investors have strong faith in you. We apologised for performing due diligence review on your background.

After the due diligence review, we have no doubt at all in your capability to bring Tunepro to next level. We will show our unconditional support to your leadership by investing in Tunepro and hold Tunepro shares for long term.

We believe that you will bring impressive result for Q421 after normalisation adjustment is done to the one-off flood event.

We are happy that our wish that Tunepro Board to consider distributing Dividends have been conveyed to you and Board accordingly.

No matter how is the discussion outcome, we will still trust Tunepro because our voices have been heard at least.

Our experience proves to us that Tunepro's IR team is very responsive. Here, we would like to express our gratitude to your colleague, the Head of IR for offering us a channel to have video conference call with your team, should we have further questions to clarify.

Lastly, we will withness the victory of Tunepro very soon!

Have a nice weekend.

For and on behalf of a group of shareholders, thank you very much for the effort!

S wen Tan

you should understand the business well and any fluctuation will not influence me and my group

as I already said 18 days ago (top of the comment), my group expects Financial Performance to be showing improvement after excluding the one off flood event or we perform normalisation adjustment on Tunepro performance

it is normal tactic by Syndicates to keep triggering anxiety among weak retail investors.

we hold long term. so no problem for us. you gonna know your risk appetite

今天进了第一批我真390,200000unit 准备做long term investment,希望我有那个耐心别在破380止损。。。。。希望六个月后股价能有一点进步哈哈。。。。。。请问还有什么好料可以收长期吗？买入价卖出价我可以自己研究，我玩短炒玩坏了完全不行看基本面。。。。可是运气好这两年赚了不少，开始有甜密的烦恼，资金多了，短炒也用不了这么多lol…………我真心佩服您玩长期的耐心和看基本面的能力,这tunepro 我进出赚过几次,那时choon兄介绍在四角多进五角多出…………感恩您的分享l………

Fatty Bombom

大家加油啊

保险公司的护城河很好的，我一点都不担心

insurance business is a regulated industry

加上公司的NTA per share is 0.740,我一点都不担心的

记得啊，国门即将打开

大家只要耐心再耐心等待

我看好Tunepro 会开番

我更加看好Tunepro 的MnAs 还有Rohit 的领导能力。

Choon 兄是高手来的，庆幸大家都是同一条船。

我的expectations 已经设立了，会给Tunepro 时间成长。

我们大家一起陪Tunepro 长大吧

开番不是不可能的哦

Rohit's plan is for 2021 to 2023

大家一起见证奇迹，成功的道路是很寂寞的

所以我还是依然拿着长期持有

我的average cost is around 0.3954

之前涨到0.435 我也是坚持不卖

因为基本面价值投资还是必须长期持有，带来复利效应，会很大

Tunepro 绝对值得长线投资

@Ah Choon Wong 大哥

大家等你一起加入Tunepro 一起做长线投资。

很久没有看到Choon大哥的踪影了啊

可能你有忙着物色FIFO 的机会了吧

只要赚到钱，怎么方法都行

大家发大财

来自柔佛的Ricardo 兄弟，你也加入了长线投资吗。真开心多认识一个股友。

可以跟志同道合的大家，一起坚持再坚持的投资Tunepro 成为一分子

很多人说长线价值投资这条路很寂寞，我不觉得呢。

有各路人马，各路兄弟姐妹，一起为彼此打气，鼓励。

我和我的群组的人会很欣慰，因为越来越多人看到这个五星级钻石股票了。

我承认我的做法是高调了些，但是我不会像外面的课程佬或者卖投资Apps的商家一样，好的东西都是收费的。我宁愿免费分享投资知识。

希望我对Rohit and IR 的信任，和我对帮助更多散户知道这个hidden gem的决定是不会错的。独乐乐不如众乐乐。希望我的高调分享引起更多散户注意。

祝大家早点财务自由。最后，还是劝告一下，别追高，别追高。记得，长期持有，复利滚利，肯定发财

fatty bombom

一起做长线投资吧

复利效应会很大

我相信未来的Tunepro 会成为现在的LPI, Takaful or Allianz

小小的股票，长大后，开几番的时候会变金鹅生金蛋，到时候舍不得杀了

Ricardo 大哥

我90percent 资金在Tunepro

我会做长线价值投资，我群组的股友们都是一样，大家很开心，今天继续收购。

我的分享或许太高调了，可能得罪一些江湖卖课程的课程佬和卖投资apps 的一些大师们。

有人甚至觉得我们群组自己说自己爽，然后会卖在0.500左右。

不过这个也不重要，因为我这里分享的宗旨就是要帮助更多的散户了解，冷门的股票，暂时被大众遗弃的股票，他日必成，开番的优质股票。

人多的地方永远不要去。NTA那么大的公司加上保险行业护城河，我们怎么可能不做长期价值投资呢。

看来有些课程佬的徒弟或卖apps的商家的订户心里妒忌。

我甭理会他们的，因为我还是会继续分享好的股票。继续把好的东西分享给更多的散户。

我还是那句投资别追高，要持久，等开番，如果是个成长股票。

还有regulatory risk 的重要性，很多人应该没有考量，比如我之前看好的BAT在我收到一些负面消息后已经抛售了，没有亏钱，只是赚个2巴仙。没有追查是否属实，但是我抱着观望态度。

外面有些江湖课程佬或apps商家没有把regulatory risk 纳入考量点。

有股友给我知晓某某卖投资apps 的商家和订户们，好像不爽我这样免费地分享正面的information

他们甚至说我的行为无耻。

说我为了让散户们帮我推高股价，利用散户达到个人的目的，说我行为卑鄙。

这里要告诉那些人，别那么小心眼哦。做人必须海纳百川，那些心胸狭窄的人，很可悲，因为他们永远活在妒忌别人或不开心的生活里面。

Choo and Fatty Bombom

感恩大家还那么相信我，没有说我行为卑鄙。

我不会为了自己的个人利益，毫无根据的说到这个股票非常好。

原因很简单，我有去读Tunepro 公司给的分析报告，我有联络Rohit, 我也有联络head of IR 还有联络同样做保险业的高层朋友们

大家都一致认同，Tunepro值得做长期价值投资。

有些人就是怕我分享了好的消息，连累到他们或他们的徒子徒孙或他们的apps订户买不到便宜股票。

据我知道他们要等0.37 因为跟Rohit 的esos 同样价格。

他们可以照样等他们的，我可以照样无私分享，免费分享我对Tunepro 的看法。

我觉得呢大家做人大方一点，好的东西无私分享，免费分享。老天不会亏待自己

这里肯定是黑天鹅的避风港

IPO price 1.35,最坏的已经过去了

拿着等他开番

最重要大家set 的expectations 要realistic 一点

我上面已经写得很清楚了

我会normalised the profit or loss by excluding one off event

Fatty Bombom

不会有事情

必须记住，长线，短线看不到肉

记得别追高

I read news but Donno how true that Russia is going to start another war soon

that why no matter how all shares will plummet except gold related stocks like Tomei Pohkong all fly

just be patient and hold tightly

Fatty Bombom

放心拿着，长期持有做长线投资

明天成绩出来大家抱着平常心看待吧

因为有一次性的水灾claim

我组群的人投资Tunepro 的时候大家有这个expectations 了的

要给个realistic expectations

let us welcome Tunepro to turn green today

it seems like the so called big war by western society might have been ceased fire.

I think Russian Government only demolished the military forces and equipment of Ukraine and did not hurt any normal Ukrainian unnecessarily

all this because of NATO I guess

let's hope that Rohit's statement about the increase and improvement in business is fair and correct

wait patiently for the QR later

其实net claim 明显减少很多了，如果跟去年比较

cash 还是有比去年增加了将近1倍

负面在于，fair value losses and share. of losses in associate

after performing normalisation of financial performance, 我还是可以接受这个成绩。

毕竟今年是多事之秋，delta, omicron 等等

 My team and I will hold for long term

No worry at all. 罗马也不是一天造成的

As per Rohit, his plan is for 2021 till 2023

We will hold and wait for few more years...

don't make me laugh la

still love to relate to AA when AA contribution to Tunepro is less than 5%

u want cheap ticket

so trigger anxiety

do not forget border is going to be opened soon

There are challenges for insurers but at the same time there are plentiful of opportunities for insurer doing travel insurance.

There will be a new normal for the Post Covid as consumers' awareness on the need to have insurance coverage has been increased after this pandemic

We do acknowledge that there are challenges

Nevertheless, we have strong faith in Rohit's leadership. A successful person sees and seizes opportunities in every difficulty and challenge.

One of the very obvious achievements that should be acknowledged is that Tunepro's reliance on Air Asia has been reduced significantly and we should really appreciate effort that has been placed by Rohit's team. It is not easy to change company plan in such a shorter time and during pandemic

You may read more articles in
https://us.milliman.com/en/insight/new-normal-travel-insurance-asean-i...

We aim for Long Term Value Investment. Short term fluctuation and noise will not influence us. Tq

Ya la..... got ppl wanna trigger anxiety to cause big drop in share price

unfortunately most of us here are value investors

we aim long term

Fatty Bombom do not worry be happy

希望战火连天的乌克兰可以快点结束

平民百姓受苦啊

拿着长线投资的我，会拭目以待，看好这个公司的将来

价值投资者的大家，应该很开心收到很多0.380 0.385的票吧

大家加油。我把Tunepro 放入冬眠状态，2到5年的投资期。。再打算了

记得别追高，长期持有，复利滚利，开番日子很快到

Kelvin 我们这里买Tunepro的都是做长线的

你可以去他的网站看完全部详细的分析

corporate day 的slide

我现在忙着，可能晚上有空我给你发个link如果你真的找不到

放在冰厨里面了

哈哈进入冬眠期

1到2年后，肯定会开番

甭管是不是炸弹

我们懂得买的人

当然是看到价值的存在

Yutaka 你可以自由发表

但是能在这里继续长期持有Tunepro 的都是价值长线投资者

不会因为你的一些负面看法影响的

你也加油吧

if there is confidence in the fundamental of the company I don't think we need to be concerned with short term movements which may be driven by sentiment.

if I were to speculate, today's FED would be announcing the rate hikes. That could have a bearing. Just not sure how many basis points we are looking at.

Fatty bomb, time will prove everything

Just hold as Tunepro has more and more updates on its business plan and progress update soon

Positive update somemore

could not disclose or tell more here... apologise for being secretive

A lot of retail investors opine that it is a bad decision to buy Tunepro when Fed Rate has increased.

Indeed, they might be wrong. Insurance core income is not from investment in bond, should be earned from Underwriting Income

Indeed, now it is the right timing to buy even more.....

Investment in bond is common in insurance as it is relatively low risk as compared with investment in equity.

LPI is different story because big portion of their investments is in Public Bank financial products in which Teh tycoon back the share. So dividends from public bank has been used to offset their losses in bond

Tunepro is a hidden gem and a lot of investors do not understand.

A lot of investors also do not understand the fair value gain or loss is just on paper and indeed it is a number crunching game.

If holder of bond opt to record fair value changes in OCI, then it shows no PnL impact

If holder of bond opted to measure bond investment at FVTPL, then the PnL impact will be reflected.

In any of the above cases, there is no cash flow impact at all.

Hope that investor will look at insurance business by normalising all meaningless numbers

It is a game set by accountant

FVTOCI

FVTPL

Need to use layman term to educate more retail investors

But, I choose to be silent so that I could gather more

Again, please look a focus at Underwriting Income

Look at this good news announced yesterday...

Tune Protect the nation’s 1st to host insurance core system on public cloud

TUNE Protect Group Bhd (Tune Protect) is now the first insurer in Malaysia to have received the official approval from Bank Negara Malaysia (BNM) to host its insurance core system on Telekom Malaysia Bhd’s (TM) Cloud — (Alpha) Edge.

please apologize for not being able to comment too details... you can perform own Due Diligence

hint #1

go and check the background of Norges Bank and important BOs in KAF who owns Tunepro via KAF

you will definitely have strong confidence in Tunepro


hint #2

find out whether there are changes in the top management of Thai Assoc

you will expect better improvement from this assoc

Again, buy or sell at own risk. My comments here are just my personal opinion and idea

重仓低估股票，价值长线投资，基本面分析！

analyse the whole Malaysia insurance biz ......base on their qr, the revenue is stagnant and dropping year by year....comparing with other insurance company like takaful , lpi, mnrb...all these insurance companies are having the same revenue every year indicating this industry already maximize...

a big mistake when didn't analyse other same related companies performance throughout the years....tunepro usp is travel insurance....they are cutting down travel insurance portion, tune pro do not have any monopoly products anymore....this is biz operation analysis that an accountant won't able to understand

tunepro is try to expand his businesses in oversea.. u r right .. Malaysia business is not big .. and face all the travel stop recently …

I think the bad situation is over … now see how tunepro improve his sales and how much revenues get from new business in oversea

already mention there is an inter related with aax and aa...when their related biz got problem, it will affect tunepro ....even they want to expand to Arab, there will be a lot of competition with local Arab insurance companies....

when aax and aa do debt restructuring, all those debts owe to tunepro will be all write off.....all this are biz related analysis that only reading one financial won't able to tell....... accountant and auditor only read figure but no idea what the real biz operation works...