Jiang Xiuying's comments

Jiang Xiuying replied to comment on PBBANK.

***"金融科技”就故作高深的人，我借今天这个机会，坦诚地分享一点个人体会：在投资中，复利的速度或许不如人们期待的那么快，潮水退去后，谁在裸泳、谁在实干，从不会永远是个秘密。

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Jiang Xiuying replied to comment on PBBANK.

分享一个简单的回测：2015年初，以当时约18.78令吉买入大众银行（PBBANK）并持有至今。期间，大众银行在2021年初完成了1送4红股的拆细，每股单价因此从20令吉以上降低至4至5令吉水平，流动性也随之提升。尽管经济环境有起有落，但这家银行派息从未中断，且股息率在整个时间段内均保持稳定质地。就在2025年，管理层已承诺将股息支付率提高至60%，这恰恰体现了坚守稳健经营、持续回馈股东的管理文化。

…同一时期，打着“金融科技”概念挂牌的本地公司，境况又如何呢？

曾被市场热议的第一数码（PERTAMA），在2024年10月短短数日内暴跌77%，市值蒸发逾7亿令吉，管理层面对股价狂泻竟回应“我们什么都不知道”，后续更因无法按时提交重组计划而遭停牌。Nexgram 因拖欠177万令吉债务，遭银行提出清盘呈请，股价大幅滑落至1.5仙，市值仅剩1330万令吉。而备受关注的 KAF 数码银行，在开始运营后仅一年，其税前亏损即达4440万令吉，亏损仍在扩大，其投资银行背景的母公司已着手寻求出售该业务。

这组对比并非意在嘲讽任何人。数据从来不会嘲讽人，但我选择用事实说话。对于习惯于随口抛出一句

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Jiang Xiuying replied to comment on PBBANK.

神人？连基本面和技术面都分不清，就只会扔个‘金融科技’装高深。你知道PBBANK的ROE和股息率是多少吗？金融科技公司破产了多少家？银行收股息十年，你还在追涨杀跌亏手续费。谁是真神人，时间会告诉你

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Jiang Xiuying replied to comment on 99SMART.

but if u look at now ya... time have changed ya... inflation from Israel-US-Iran war as well as tourism affected by it... so 99 cannot continue with this inflated bubble anymore...

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Jiang Xiuying replied to comment on 99SMART.

@Leo, jiejie oso think dat way ^^ some ppl asked jiejie what jiejie think of 99... jiejie think 99 is overvalue coz inflated by government SARA n government tourism plan to boost consumer sector...

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Jiang Xiuying replied to comment on CIMB.

jiejie think banking stock is like gold ya ^^ u buy and hold becoz bank invest in many sectors with very long term maturity... if ppl tot banking is fast in fast out... sure pocket will very fast empty... just jiejie two cents ya ^^ buy n hold for few years bah ^^

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Jiang Xiuying commented on PBBANK.

jiejie think buy this type of stock must wait very long ^^... banking is not a sector where u can buy in buy out everyday ^^.. long term hold is very good ^^

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Jiang Xiuying replied to comment on MMSV.

hopefully I buy not too late larh coz already post dividend but the company potential really good ^^

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Jiang Xiuying replied to comment on MMSV.

just sold palm oil and enter this ^^ laoban so good pay dividends to those who purchased this before ^^

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Jiang Xiuying replied to comment on MMSV.

jiejie think this stock got potential to go above RM 1.00 ^^

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