Agreed with what jie said. If only rely on epf, there is not much meat you can eat as you won't be to act quickly as they do. End up your money will contribute to our epf dividend. Good luck

Hi Lionel Essi. For me the CTOS is only just "undervalue", i mean it's business model shouldn't just PE 20+- only , for me it is worth PE 30~40 bcoz CTOS almost monopoly the whole credit reporting market. However, in local market i think there is no much space for CTOS to growth... For me this stock is more like securing my wealth rather than creating wealth haha.