Tunepro 还在慢慢的转型中

给点时间吧

there will be different type of products launched soon...

梦想成真，行动行动。真的跌到0.400

我的希望达成了

下一个期望，还在想着呢

ah Choon Wong, 这只股票我赚了两轮。

他不会跟着红飞机一起跌的，全部都是Tony 在2020年有先见之名。

详情我不能在这里多说

非常期待2月尾的业绩

一鸣惊人，这不是不可能的

Rohit Nambiar 此人不简单的

在他带领之下，生意模式已经慢慢变化大了

他在2021年的presentation slide 有说明他的方向

重点是他的esos 在0.37 ,如果我是他我至少会推高一倍

2月尾就会飞了，再不买，没机会买了

我姑且给出中肯的预算吧

最后一季的业绩多多少少会给水灾的claim 影响一些，不过这只是小数目according to Rohit

这更加证明Tunepro 被reinsurance cover 得很好

我非常看好接下来几个季的业绩。

没时间跟大家解释太清楚 你们自己去download Rohit 的业绩分析报告吧

赶快上车绑好安全带，要飞了

Dear Mr. Rohit Nambiar,


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.

Regards,
Auditorandconsultant

To all of my friends and fellow value investors,

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

当我昨晚写出这个的时候，我已经暗示很多了

散户们看不到的，我也不能说什么了

Tunepro 肯定会开番

经过金融分析师算出来，3年内爆发力可以达到growth rate 140%

信不信由你们决定

我已经90%fund inside Tunepro

我会继续跟高层询问看看他们的发展方向，今年会不会给股息

重要东西我会说几次啊

记得QR 会在2月25日公布

也记得现在不买的我也不多说了，水灾的赔偿很少，我跟高层深谈，他说了Tunepro 有reinsurance cover 的很好

少于1百万赔偿而已，皮毛啦

还有信不信由你们哦

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。

等着Rohit 前辈给我答复。没时间跟你们多说了，赶快上车。

明天是除夕夜，股市只有半天。我大胆推测大鳄或庄家非常有可能会抛售来制造恐慌。目的就是要散户惊慌失措抛售，来买便宜票

散户们切记，Tunepro 的票数真的不多，丢了要买回这等的价格真的是想都别想。

我也放话下去我手上四个本地股票投资群，和1个外国股票投资群。叫他们可以排在低价，如果大鳄庄家抛售，我们接票就是。至于什么价格我不可以说出来，不然我组群的部署会被打乱。

QR 成绩会在2月25日公布。到时候好的消息会接踵而来。或许Rohit 真的听到股东的心声，跟Board proposed 股息来慰劳股东们。我等着公司公布公司的 M&A 的两大企业重组或收购计划。

（1）Tunepro 是多元化保险公司，包赚的。现在的价格是大减价了，此时还不买，更待何时！

（2）股价属于低估的价位，股价继续下降的空间非常的少，上升是无限的。古往今来，多少保险公司不是3，5年后，股价飞了几倍。

（3）黑天鹅的避风港。公司股价已经跌到很低了，IPO价格1.35 现在根本就是70%折扣，能持有的都是价值投资大师。黑天鹅来会有一点小波动，不会跌惨。

果断投资，长期持有，复利的效应，肯定让大家财源滚滚！

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.

https://vulcanpost.com/774943/malaysia-digital-bank-licence-prediction/

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

Qr will be out on 25 Feb 22. Stay tuned！

Yutaka, the current price is considered undervalued already

in my entire value investment life, I have never made any losses.

As such, cut loss is never in my dictionary.

if you are sceptical, then you just observe how my group earn non stop!

Yutaka Tong, 可能你不认识我，我不怪你。

please do not compare me with Tyyap

我最讨厌课程老，我的群组是免费的，但是只是公开给见过面，认识的人。

我的群组总部驻扎在槟城，组员遍布全马，外国有新加坡，美国和加拿大。

有机会给你看看，我的组员跟我吃饭的2021年从头到尾都是在赚钱，没人亏钱。

请别拿Tyyap 来相提并论。

我组看的是价值投资，那些烂股票永远不会在我的考量范围。

真正实力不能拿2020手套股的时候来谈，2021年很多人输惨了。

我的群组员全部都是赚钱的。有机会介绍你认识我的组员，让他们给你看看怎么赚。

needless to argue

time will prove my righteousness

时间可以证明Tunepro 的确是可以做长期价值投资的

大家切记，目前的价格还是属于低估，但是切勿追高。

有个前辈之前算出内在价值intrinsic value is RM0.460

内在价值的assumption 没有对错，只能做参考，当然nta per share is 0.740

值不值得做价值投资，我让大家自己去决定。

Tunepro 是转型中的成长型公司，日后venture into Insuretech 股价就不止几毛钱了。

时间可以证明一切。

Yutaka Tong 我不懂你的动机，但是我很怀疑你是syndicates 派来的。还是一句，时间证明我的清白。

3 Feb 初三，Tunepro 的投资家们，大家慢慢收集这个钻石

冷门的股票很好

等长大的时候，大把人帮我们推高价格

do not forget that MnA will trigger increase in share price

finger crossed

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....

Yutaka 麻烦你看回rohit clarify 的红飞机顶多只是占了3到4% 的sales

我一点都不怕

这个是保险公司，麻烦去了解公司的的保险领域

也麻烦你们去做功课on Insuretech

再麻烦你们去了解公司过后的MnA

老子就是信心十足

这个初3，老子还会去拜访IR team 拜年拜年呢，不过一切会依据SC规则

Yutaka 麻烦你去看看

2020年AA 已经不是大股东了，聪明的Tony 早早就换掉了大股东给Air Asia Digital Services

大家也去明白一下什么是separate legal entity

我们的组合就是这样信心满满，

你不敢买就别制造恐慌哦

老子在MnA 也混了10多年，新马，中国，印尼，泰国都弄过很多的项目，这个叫做看山不是山。

你看不到，我也不知怎么跟你说了

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

我一点都不担心

因为Tunepro 早早就有想到这个

去了解一下吧他的合作伙伴

再了解一下Air Asia 对sales 的总营业额占据多少

business model Rohit 转型着

别继续制造恐慌啦

我的组员就是信心满满长期持有肯定不会有问题

Dayvenn 你就直接告诉Yutaka 我是什么来头吧

告诉他什么是稳稳赚钱的价值投资，你跟了我一年多，没有一个项目是亏钱的

可见，他的居心不良，想制造恐慌买便宜票

明显他一点都不懂数字会说话

数字和business model 是息息相关的，切不开的

他这样comment 真的得罪完全世界的特许会计师

算了吧，他要便宜票啦

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

Yutaka please stop creating panic selling among all retail investors

Rohit already mentioned that Air Asia business contributed to Tunepro only 3 - 4 %

plus I have personally communicted with the IR team

this week I am going to meet the IR team again ND the head

stop creating rumours that Tunepro will be in trouble when AA kena trouble as the extent of effect is very minimal

you said figures won't be able to read future event that means you Donno how to use figure and ratio to interpret

I know your intention Yutaka

if u wanna collect ticket please queue

needless to create panic selling and negative sentiment

那我只能说你分析financial ratio 分析correlation between FSLI 的功夫不到位

就如同Serbak 我在2020年12月也是凭着我对数据的分析得出结论serbak 账目有问题

随你的便，你要就买，不用一直制造恐慌。

不要买就静静看我的组群怎么赚到爽

随便你怎么制造恐慌

真的没人会相信你说的


哈哈哈哈，太明显你要便宜票

司马昭之心路人皆知

既然你说得Tunepro 那么惨，怎么还那么有兴趣一直comment 说Tunepro 的不好。

既然没兴趣，就离开Tunepro Klse Screener 吧??

一直制造恐慌，你的居心不良。

Dayvenn 有些人就是非常莫名其妙的

嘴上说不好，但是一直有兴趣说明非常多

他非常渴望有便宜票，但是我们群的人哪里会上当，我们会一直收购

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!

散户们， 如果想要赚稳稳的，请跟随 Auditor Consultant 我从来没有看过不需要 cut loss 的 投资 方法。在这个大师带领之下，我2021年，从年头赚钱到年尾。非常幸运这个大师不收学费，分文不收，要进入大师的私人群组，必须看缘分的。感恩大师一路以来默默的帮助我们这些没有方向的散户。尤其是你在2020年12月已经点出世霸账目有疑点，别动。散户们，你们自己看清楚吧。时间真的会证明 AC 目光独到，长远。最后，我恭祝大师，虎年行大运，虎虎生威！

Tq everyone for trusting me

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

gongxifachai everyone

现在这个价格还是很便宜，大家还是嫌弃的话，等Tunepro released 更多好的消息的时候

飞到0.80 to 1.00 不是不可能的

别忘记，旅游活动会越来越松了

有了booster 的人可以迟早像其他国家一样允许旅游，记得旅游的话，肯定必须买旅游保险

谁最大受益的？自己想。

一些人一直散播谣言来制造恐慌，我的组员会一直拼命的收票，记得票数有限，大家要快