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Author, Trainer and Dividend Growth Investor
Then you're about to read the letter you've been waiting for all your life. Here's why...
I want to reveal a replicable and straightforward system that I personally use to invest in stocks that have already paid me recurring and rising dividends, without the use of any complicated technical tools to interpret charts. This system is suitable even if you have zero knowledge or experience in the subject of investing or trading.
I realised many sincere people aspire to become financially abundant via stock investing fail to enjoy consistent returns from their stock investments.
This is mainly due to having a wrong mindset on what stock investing is. Hence, it has led to people buying stocks blindly without a specific game plan to invest safely and profitably in the stock market.
Thus, I would like to share what I’ve learnt, and what I’m actually doing with my own stock investments so that you too can:
This is best demonstrated by sharing three stocks that I’ve actually invested in, the actual price I’ve bought, the reasons behind my purchases, and the actual results I’ve achieved after investing into them.
First, here are the three stocks:
My sole intention is to prove to you that all of us are able to do three things:
Replicate my successes and build a stock portfolio which pays you increasing dividends year-after-year in all-economic conditions, good or bad.
Improve returns from your existing stock investment portfolio by reallocating capital from losers into a collection of winning stocks as efficiently as possible.
Copy & Paste the same investment model in other stock markets, namely: SG, HK, and the US market.
IMPORTANT! If you possess the right mindset, set of skills, and a well-crafted system to invest profitably in the stock market, you don’t really need to rely on tips, hearsays, rumours, buy-sell calls, target prices, recommendations ... etc. to invest. In most cases, buying and selling stocks ad-hoc after receiving tips is often the #1 cause for people to lose thousands, tens of thousands, or millions in the stock market.
Investing with a complete investment system enables you to invest confidently in all market conditions. You know that your investments would continue to put money into your bank account, especially in weak economic conditions.
After completing the Dividend Investing challenge
Dividend Vault helps to provide related information for the selection of stocks to invest and also save me a lot of time as there is no need to go through all the financial reports again. Everything is summarized in Dividend Vault and it is also being updated frequently when there is new release of financial report.
Once again, thanks a lot for effect in setting up Dividend Vault & all the hard work done.
So, what’s my story?
Why am I able to produce investment results repetitively over and over again? And a more important question, would you be able to do what I do?
Here, I’ll share a little of my background and what I’m doing now so that you’ll get to know me better. I’ll keep this as short as possible.
It all started when I was 18. I was doing my A-Levels in TAR College (now known as TARUC). My classmate handed me a copy of ‘Rich Dad Poor Dad’, and it got me to be interested in the subject of finance and investing.
Since then, I became a junkie of investment books. I read books written by Robert Kiyosaki and subsequently by other authors such as Mary Buffett, Pat Dorsey, Adam Khoo, ... etc. From them, I’d learnt that stock investing is about investing in great businesses at their lowest prices.
Armed with some knowledge, I began by downloading my first Annual Report from Maybank, and I was totally lost. I have no idea how to interpret it, and could not tell its differences between other banks such as Public Bank, CIMB, and RHB.
With that, I decided not to invest my money in the stock market as I have no idea what I was getting into. Instead, I signed up for an accounting course known as ACCA to learn about interpreting financial reports. As I progress in my studies, I began to practise what I’ve learnt in class by downloading and reading annual reports of public listed companies.
I started with simpler ones such as Nestle, Dutch Lady, Panasonic, ... etc. and slowly move into complex ones such as banks, property development, construction, and oil & gas companies. I studied their business models and took notes by compiling their 10-Year financial data and stock price data onto my Excel Sheet.
Years later, after reading 10,000+ annual reports from 1,000+ stocks listed in both Malaysia and Singapore, I discovered a generic pattern where stock price movements tend to mirror or reflect stock profits and dividends over the long term.
Tend to experience sustainable growth in stock prices in the long run
Tend to prolong decline in stocks prices for the long term
Tend to have wild fluctuations in stock price movements.
This revelation is simple, and it took me years of studies, reading, calculating, data compilation, and investing to validate this generic pattern. Armed with this insight, I formulated a simple game plan which involves investing my own money into stocks that have consistently increased both profits and dividends over the long-term at their lowest possible prices.
Thus far, the results have been encouraging with 100% of my stocks paying me recurring dividend income, either on a quarterly or semi-annual basis, and they are yielding 4.5%-7.5% per annum. I have built a portfolio where I would collect dividend payouts in 8-9 months out of 12 every single year.
Now, you have known a little bit about myself and my approach to investing in the stock market. So, is this membership for you?
I believe the materials provided are most useful to you if:
You wish to replicate my successes and build a portfolio that puts money into your pocket regularly via dividends so that you can see some real passive income year after year!
You wish to significantly reduce your investment mistakes and enhance your chances of earning your first dollar from stock investing so that you can minimise your losses. It means no more sleepless nights when the market tanks due to some crises, disasters or emergencies.
You wish to find out the reasons for your stock investment losses, rectify it, and reconstruct your portfolio to turn losses into recurring profits. Turn things around and get positive result starting this year!
You wish to have instant access to my ongoing stock data compilation works and handwritten case studies on dividend-paying stocks listed in both Malaysia and Singapore. That will save you days and hours of flipping through annual reports and doing your study, which means you will have more time to enjoy with your family.
If you are cool with my house rules, I would now like to share an insight into how I build my stock portfolio so that you can replicate it for yourself. To do so, let me introduce to you my ideal stock investment portfolio.
In essence, you may think of it as a perfect cash-generating money tree which can do the following:
Before I figured this out, I thought that stock investing is risky, and it takes guts and luck to be profitable in it.
This belief arose when I was a primary schoolboy back in the 1990s. I noticed a peculiar behaviour where my relatives, especially my uncles, aunties, and elder cousins were deeply engrossed with lines of letters (stock counters) and figures (stock prices) projected on TV screens and newspapers.
‘What was that’ I asked. And that was my first encounter with the stock market.
It has the power to dictate the emotions of my relatives. For instance, if a stock price increased, there would inevitably be some relatives who would be leaping for joy and others who would sigh in regret. At that time, it seemed to me that the stock market offers many people a chance to get rich quickly and easily without much physical labour or effort.
My dad --- who knew nothing about investing --- caught up with the euphoria, and he went ahead to buy a couple of stocks to get a piece of the action.
Soon after, it was the Asian Financial Crisis. The stocks that my dad bought have dropped more than 50% of his purchase price, which is a painful loss to my dad, which left him confused and utterly distraught. My relatives have suffered a lot more in damages for they were more involved. To make it worse, my elder cousin had to dispose of a shop lot to settle his six-figure debt for he borrowed money to buy shares via share margin financing.
Do you also believe that stock investing is risky?
Have you tried making money in the stock market and ended up failing?
If Yes is the answer to both questions above, there is a reason for your current beliefs and failures to your stock ventures, which is the lack of financial literacy and investment knowledge.
Many do not realise that it takes a combination of multiple skills, which include accounting and finance skills, and the right temperament and patience to be successful in stock investing. Most of us are not taught, groomed and trained to become ‘professional investors’ in schools nor universities. This led to a misconception that investing in the stock market successfully is mostly, if not all, about luck.
It is common for most people to graduate with a college diploma or a university degree without much knowledge about the subject of money.
So, if that is you, do not be too hard on yourself for you are not alone in this.
You see, brokers make more money when you trade more frequently.
Fund managers earn based on Asset Under Management (AUM). The more you park your money with them, the higher the fee they can charge. The same goes to the funds' sellers, e.g. unit trust consultants, bank's marketing personnels and financial advisors.
So, there is an "incentive" for them if you don't discover this truth. That's why we never study how to buy stock at a great bargain value, how to be an informed shareholder, how to evaluate a business, nor how to achieve financial independence.
WHY? Because they want you to depend on them!
I realised that investing is not a subject that I can learn it in school. Also, I realised that what I believe or what my friends believe about the topic of money are greatly influenced by our very own upbringing at home. Personally, I come from a middle-income family and thought that the rich would have different ideas on the subject of money than mine.
Thus, I headed down to local bookstores such as MPH, Popular, Times, and also Kinokuniya to read books on personal finance, entrepreneurship, and investing as often as I possibly could.
I was introduced to the concept of Value Investing.
Value Investing is about buying great businesses (stocks) when their shares are offered at their lowest possible prices.
For instance, in Malaysia, where I was born and bred, we have as much as 900+ stocks to choose from when investing. I’m sure you’ll agree with me that not all of them are good companies and suitable for investments. Hence, I realised the need to build a system first to sift out good companies with excellent fundamentals from mediocre ones that are not, and second to evaluate stock prices so that I get myself the best possible deal for my share purchases.
Firstly, I was able to build a watch list comprising of stocks that are superior in business models and financial performances. Thus, I have easily avoided making investments in mediocre stocks that had proven to be loss-making to other ‘investors’ over time.
Secondly, I was able to achieve better dividend yields and capital growth from my investments as compared to other investors despite us having invested in the same high-quality fundamentally-superior stocks. This is possible because I bought these stocks at prices which are lower than other investors.
This is because value investing is about making investment decisions which are based on facts from credible sources which include annual and quarterly reports, press releases, and investors’ presentations.
You only invest after a careful study on the stock’s business models, management team, financial results, future plans, and valuation ratios.
With them, I do not need to rely on other people’s opinions, hearsays, remarks, comments or to make guesses on where the stock market or the economy will be heading in the future to invest.
As such, with value investing, I can invest confidently for I can do my own study and form my conclusion on any stock before investing.
It is a skill-set that allows me, my friends who are into value investing, and also millions of value investors around the globe to replicate this investment system and move one step closer towards financial freedom.
This is good stuff, and it is my privilege to provide a detailed account of my investment journey with you so that you can join us to move ahead in your own financial life.
Here is a critical mindset that I would like you to adopt when investing.
You have to see yourself as a business person, not one who is just merely trying their luck or finding some sort of entertainment in Genting Casinos.
Investing in stocks is about becoming co-owners of actual businesses that have real assets and customers that generate both sales and profits repeatedly for the long-term. The process is like buying an apartment to receive incremental rental income for the long run. So you want to own the business just like how you want to own that apartment that churns out profit consistently.
Right now, I’ll be walking you through an actual case study of a stock which I’ve personally invested into so that you’ll know, on a step-by-step basis, the exact formula I use today to invest in stocks.
The stock mentioned is Mapletree Logistics Trust and once again, here are the details of my investment:
Here, you’ll have a chance to pick my brain and see what went through my mind and the thought process behind my purchase of Mapletree Logistics Trust at S$ 1.03 a unit on 23 December 2016.
In other words, I’ll bring you back to 23 December 2016 at a time just before I’d clicked onto the button to buy my units of Mapletree Logistics Trust. During the time, I had access to these available sources:
The following is a step-by-step process that I went through to access the stock’s investment potential at S$ 1.03 a unit on 23 December 2016.
The first thing I did was to study its business model to find out how exactly this stock makes money. Out of which, I’d learnt:
Mapletree Logistics Trust is an SGX-listed REIT which invests in 124 logistics real estate worth S$ 5.34 billion in 7 countries across Asia. Its portfolio is currently 96.4% occupied where it derives income from a large pool of 525 tenants with main tenants such as Coles Group, Equinix, Nippon Express and XPO Worldwide. It was a substantial growth from 15 properties worth S$ 422 million when it first listed on the SGX in 2005.
My goal is to collect incremental dividend income from my stock investments in both good and bad economic conditions. Therefore, I would compile the stock’s financial data over 10 years for I would like to know if the stock has delivered a consistent increase in profits and dividend payouts to its investors for the long-term. In the case for Mapletree Logistics Trust:
For the last 10 years, Mapletree Logistics Trust has generated consistent growth in group revenues and distributable income. Group revenue had grown from S$ 80.4 million in 2006 to S$ 349.9 million in 2016. Distributable income increased from S$ 40.4 million in 2006 to S$ 183.3 million in 2016. This has led to a rise in its distribution per unit (DPU) from 5.07 cents in 2006 to 7.38 cents in 2016.
If I wish to receive incremental dividends in the future, the stock must continue to grow its profits. Thus, it must be forward-looking and are willing to invest for the future. To do that, the stock must first maintain profitability for the last 12 months and second, have a strong balance sheet which enables the company to finance its investments to sustain future growth. From its quarterly reports, I have discovered the following:
Over the last 12 months, Mapletree Logistics Trust has made S$ 358.5 million in group revenues. Out of which, it has generated S$ 182.2 million in distributable income and paid out 7.32 Singapore Cents in Distribution per Unit (DPU).
In terms of balance sheet strength, Mapletree Logistics Trust has S$ 2.05 billion in total debt and thus, having an aggregate leverage ratio of 37.6% in Q2 2017. It has a weighted average cost of borrowings of 2.3% per year. Based on the current maximum gearing ratio of 45% set for Singapore-listed REITs, the stock has ample of debt available to finance any acquisitions of new properties or to undertake projects to enhance the value of its existing properties in the future.
If the stock has the financial means to invest, where would it put its money? As such, I would find out as much as I possibly can about the stock’s plans to grow and expand its businesses into the future. This is important for these plans will most likely be the source of my incremental dividends in years to come. For the case of Mapletree Logistics Trust, they include:
On 15 December 2016, Mapletree Logistics Trust had completed yet another acquisition of 4 properties in Australia for S$ 151.9 million and thus, expanding its portfolio to 128 properties worth S$ 5.5 billion.
Mapletree Logistics Trust is targeting to complete a redevelopment project on the 76 Pioneer Road where the building is being converted into a five-storey ramp-up logistics facility by Q3 2018. The project is estimated to cost S$ 100 million and will increase its gross floor area (GFA) by 1.8 times to 72,000 sq. m.
Mapletree Investments Pte Ltd, the sponsor and main investor of Mapletree Logistics Trust has 36 logistics properties under development across Asia. 30 of them are located in China. Mapletree Logistics Trust is granted Rights of First Refusal (ROFR) to acquire these properties once they have been developed and leased to tenants in the future.
Source: Q2 2017 Investors’ Presentation and Newsroom of Mapletree Logistics Trust
A good stock is a great investment only if the stock is cheap or undervalued and pays good dividend yields. So, what did I do? First, as Mapletree Logistics Trust is a REIT, I calculated its current P/B Ratio and distribution yields.
Second, I then proceeded by calculating its past P/B Ratio and distribution yields over the past 10 years, from 2006 to 2016.
Third, I compared the REIT’s current P/B Ratio and distribution yields with its 10-Year Figures. Here was what I’d discovered:
Reminder: Ian’s Investment Price: S$ 1.03 a unit
In Q2 2017, Mapletree Logistics Trust has net assets of $ 1.00 a unit. Hence, the stock has a current P/B Ratio of 1.03. In Step #3, the REIT has paid out 7.32 Singapore Cents in distribution per unit (DPU). Hence, Mapletree Logistics Trust has a current distribution yield of 7.11% per annum.
The table below is the calculation I have performed before investing in units of Mapletree Logistics Trust. It was computed by first compiling its closing stock price for every financial year-end, its distribution per unit (DPU), and net assets a share over the last 10 years.
The outlier is in the financial year 2008 when its stock price closed at S$0.35 a unit on 31 December 2008. The price was substantially lower than in other years as its stock price was affected by the global financial crisis (GFC) in 2008. In fact, that was the best time to invest in Mapletree Logistics Trust.
- Financial Year 2012 onwards are for the period ended on 31 March.
- Financial Year 2010 and prior years are for the period ended on 31 December.
Compare its Current Valuation Ratios with its 10-Year Figures:
However, prior to my purchase, I was in the view that the sharp decline in stock price is a one-off event and it is not practical to wait for another steep drop in its stock prices in the near future. Hence, excluding valuation ratios for the financial year 2008, from the table above, I had learnt that Mapletree Logistics Trust was trading below its 10-Year P/B Ratio Average of 1.17 and was offering investors a current distribution yield well above its 10-Year Average of 6.37% per annum.
Therefore, on 23 December 2016, I had decided to invest in Mapletree Logistics Trust at S$ 1.03 a unit as I found it to possess the following qualities:
Fast forward to 2021, nearly 4 years after I have invested into this stock, Mapletree Logistics Trust has continued with its growth initiatives and as a result, has expanded its property portfolio from 124 properties valued at S$ 5.5 billion in December 2016 to 145 properties worth S$ 8.9 billion presently. It has delivered consistent growth in group revenues and distributable income for the last three financial years:
Thus, I have received the following distribution per unit (DPU) since Q3 2017:
Based on my investment price of S$ 1.03 a unit, my cash returns to-date would be 27.4% in 3.5 years.
‘Ian, what about your capital gains?’
As of 18 June 2021, Mapletree Logistics Trust is trading at S$ 2.01 a unit, thus, working out to be almost 100% in capital appreciation within 4+ years.
Therefore, all in all, my total returns from this investment is over 100% in 4+ years.
So, is this just a lucky break?
To me, it is not. Soon, I continued to replicate the 5-step process as mentioned above and reinvested some of my dividends collected from Mapletree Logistics Trust into other dividend-paying stocks such as Frasers Logistics Trust, Elk-Desa Resources Bhd, ... etc. and thus, effectively raised my own dividend income year after year.
Can you see that you too can build a stock portfolio that brings you a steady and increasing flow of dividend income year after year without you trying to predict stock prices?
You have just witnessed how I personally used the 5-step process above to first, identify high-quality dividend-paying stocks from the others which couldn’t. And second, do a proper valuation of these stocks so that I can invest in them when their prices are cheap or undervalued.
Mastering the 5-step process above allows you to invest confidently as you will:
Receive a passive income every quarter from your stock portfolio.
Earn higher dividend yields and capital growth from your investment in stocks as compared to other investors who invested in the same stock as you did. This is because you bought the stock at lower prices.
Reduce investment risk with lower capital loss from the stock if its prices dip as the price you purchase for the stock is lower than other investors. Thus, you will be moving one step closer towards achieving financial freedom.
Well, the above 5-step process is my blueprint towards building a money-making stock portfolio that is replicable in any stock market around the world.
And, it is now yours.
You can take it and replicate my successes in stock investing.
You can now go to the website of your preferred stocks, download the latest 10 years of annual reports, quarterly reports, investors’ presentations and press or media releases of these stocks, study them, compile their key information such as their financial data and operating figures, and calculate their valuation ratios over the last 10 years. All of this information is free and readily accessible to all investors, including you and me. So now, you can start right away ...
‘Ian, wait …
Sure, you can open a stock brokerage account and start buying shares. Nobody is stopping you from doing so.
My question to you is, ‘How do you separate good stocks that make you money from bad stocks that cost you money ... without reading financial reports? How will you know whether or not if a stock is undervalued or overpriced if you do not calculate its valuation ratios?’
As you can see, one thing is for sure.
If you have a sincere desire to make money from investing in stocks, you cannot skip this process. Investing is a skill set, and it takes time to master. I studied and read annual reports on a daily basis for the last past decade of my life. Personally, I started with a small portfolio and grew it gradually as I continued to sharpen on my investing skills and experiences over time.
The same applies to many things in life.
If you wish to become a medical doctor, you have got to spend years in medical school and complete your housemanship before qualifying as a medical doctor. The amount of time taken will be much longer if you wish to be a specialist or a surgeon.
The bottom line is ... You have to first learn how to invest and put in the effort to do your due diligence before investing your money.
You can’t skip this process if you want to be consistently profitable. Period.
But hours daily on learning, studying, reading, calculating, and evaluating stock deals for years is a long time, and I do not know exactly what your present level of confidence is when it comes to stock investing:
Is it 20%? 30%? or 50%?
Well, what if I can tutor you on my strategy on building a kickass stock portfolio that pays increasing dividends year-after-year on a step-by-step basis? Would it increase your confidence level to the 80% or 90% range?
And, what if you have access to my ongoing compilation works and case studies on these dividend-paying stocks so that you can shorten your learning curve to just 2-3 months from 2-3 years?
Well, if you are interested, I’m going to give a few of you that opportunity.
After completing the Dividend Investing challenge
Sieving through all the reports would have taken me hours. At Dividend Vault, I have a library of good stocks and all their financial history. The valuation data is all there, so it's a matter of reading the case studies for me. This is an excellent platform for beginners or those who are working to start investing in the stock market.
The tutorials are also very helpful. I can confidently say it takes me less than 5 minutes to decide whether it's a good or bad company. Most of the stocks I purchased were based on the principles taught in the videos. Most of them are up and I'm enjoying a steady flow of dividend income despite 2020.
I’m going to walk some students through this master class.
This programme is called ‘Dividend Vault’, and as one of my students, we would be creating a stock portfolio that pays increasing dividends year-after-year from start to finish together.
So if you want to ‘Copy & Paste’ an investment strategy that is proven to work, get it right from your first or next stock investment and move one step closer towards financial independence, then, this programme is for you.
It is an implementation programme, when by the time we are done, you would have a complete strategy to build and design a stock portfolio which pays you incremental dividend income, either on a quarterly or semi-annual basis, and the money comes in like clockwork.
So, here is the breakdown of what exactly we are going to do together:
I’ve invited KC Lau, co-founder of Dividend Vault and a pro stock investor to talk about the mindsets we need to adapt to ensure better and long-lasting successes in stock investing. These principles are the same practised by legends in stock investing which includes billionaires such as Warren Buffett and Charlie Munger. These wisdom are ones that will transform you from just a person who is trying his luck in stocks to a serial investor who is hunting for profitable stock deals that will pay incremental dividend income and grow in value sustainably over the long-term.
I’m going to teach you in great detail my blueprint when it comes to stock investing. I reveal the 2-step process. First, build a watch list of high-quality dividend-paying stocks from 1,600+ stocks that are listed in both Malaysia and Singapore. Second, identify undervalued stock deals from the watch list of these dividend-paying stocks. This would ensure that you will invest only in fundamentally good stocks when their prices are reasonably low.
So, how do I identify high-quality stocks and eliminate others from a large pool of 1,600+ stocks listed in both Malaysia and Singapore? Well, the answer lies in my ability to read and interpret financial statements. Here, I’ll walk you through step-by-step how I interpret actual financial statements and calculate its financial ratios. This skill is critical to you as an investor as you only want to focus your investments in the best stocks and reduce errors in making bad investments that cost you both time and money.
Next, how do I find undervalued stocks from a pool of high-quality stocks in my watch list? The answer lies in performing meaningful valuation on these stocks. Here, I demonstrate via a 3-part video series on how best to use the P/E Ratio formula to determine if the stock that we are considering is undervalued, fairly valued, or being overpriced.
Today, one of the best places to find high-quality dividend-paying stocks is REIT or Real Estate Investment Trust. In this module, I teach you how to effectively select REITs which not only own prime commercial properties but also have the potential to continue growing so that you can start generating recurring passive income.
By the end of Module 5, you’ll end up having both the mindset and skills which are needed to put together a simple but highly effective investment game plan to build a profitable stock portfolio.
But if you want to see how I put all of the pieces together, I would demonstrate how I assess a stock deal from scratch via real-life case studies documented in Module 6 onwards.
This stock is one of the largest REITs in Malaysia which owns and earns income from a portfolio of prime retail malls, hotels, office buildings, a warehouse, and as well as a reputable tertiary education campus in the country.
This company operates a chain of grocery stores and supermarkets in HDB flats and shopping malls across the island city of Singapore.
This company manufactures a wide range of home appliances under a recognisable household brand in two factories in a key industrial area in Malaysia.
This stock has achieved a superior 25% earnings growth via two key businesses: FPP manufacturing and property development. This stock now operates a total of 19 plants in 4 nations namely, Malaysia, Vietnam, Myanmar, and the United States. Also, it is a recognisable real estate developer with township projects in the state of Johor and Melaka in Malaysia.
This stock derives interest income from disbursing hire-purchase loans to local buyers of second-hand motor vehicles through 1,000+ motor dealerships based in the Klang Valley, Malaysia.
After completing the Dividend Investing challenge
1) Step by step guide and details on how to evaluate strong companies with good track record
2) Compilation on companies provided (<3%, 3% - 5%, >5%), which helped a lot, especially for me who's working full time and don't have much time to do such detailed due diligence. In addition, the case studies and slides are important to demonstrate real life cases on the application of the theories learnt
3) List provided are constantly updated and has stocks beyond KLSE, which actually helped me to kick start my investment journey to SGEX and HKEX - personally, this was an important milestone for me, as I've only looked at KLSE previously.
By then, you’ll see that the investment game plan and its process are applicable across multiple industries. You would be more than capable of taking this game plan and use it to build your stock portfolio.
But, although you know what and how you need to do to assess a stock deal, you may ask:
‘Will it take me hours of my time and effort to sit down and study these stocks from scratch every day?’
‘Man, it’s too hard, and I don’t have the time and energy to spend time on it.’
I get it and here is the thing: ‘What if I give immediate full access to my case studies and templates on 50+ high-quality dividend-paying stocks listed on Bursa Malaysia and the SGX?’
You can save an enormous amount of time by leveraging on my ongoing compilation work of vital financial data and my write-ups on the stocks through these handcrafted case studies.
‘Okay Ian, what is in your template and case studies?’
First, here is what I have compiled in my template:
Under ‘Profit Data’, you’ll find out about a stock’s long-term track record of delivering a consistent increase in earnings, through my compilation of major financial figures such as revenues, shareholders’ earnings and EPS and calculation of its Return on Equity (ROE) for each stock.
Under ‘Cash Data’, you can assess a stock’s ability in bringing in positive operating cash flows consistently for the long-term. If the stock is able to do so, it then has the financial means to not only pay dividends out to shareholders but also to make investments to grow the company further.
It is presented under ‘Segment Data’, and it is where you’ll have a breakdown of a stock’s revenue and profits in terms of their individual business segments and geographical markets. This is so that you will know which business segments or geographical markets are key income contributors to the stock.
It is presented under ‘Quarter Data’ where I compile at least 5 years’ worth of quarterly results. This allows you to access whether or not if a stock has a track record for generating consistent growth in quarterly revenues and earnings for at least the past 5 years.
It is presented under ‘Valuation Data’, and it is where you can use it to compare a stock’s current valuation ratios such as P/E Ratio, P/B Ratio, and dividend yield with its long-term past valuation ratios. This would enable you to determine if a stock is really undervalued, fairly valued, or overpriced at its current prices.
After completing the Dividend Investing challenge
Dividend Vault is a good online course that taught some of the important parameters to look for when evaluating stocks. Those step by step process are comprehensive for stocks analysis, it is possible to achieve healthy passive income if one willing to spend time and effort to acquire the knowledge presented, it builds correct mindset and confidence as well, definitely a right way to kick-start the investing journey.
Moreover, with the additional segment - Bonus Dividend Investing Challenge, strongly encourage participants to fully utilize their knowledge gained after completed the course and start to build a successful dividend portfolio. I'm very happy that I have completed the challenge and thus, rewarded the RM 300 bonus dividend. Thanks Ian and KC for the recognition.
Now, let’s talk about my case studies. They are hand-crafted materials to guide you step-by-step on how I would assess a stock deal from scratch.
Every case study contains two parts:
It consists of my findings of the stock’s business model, the latest 10- year and 12-month financial performance, its balance sheet strength, and more importantly, its immediate plans to grow in the future. This would allow you to effectively identify a great stock with great fundamentals from bad ones which don’t, reducing your chances of incurring losses from bad stocks.
It consists of my calculation of P/E Ratio, P/B Ratio, and Dividend Yields for each stock and how I compare them against its long-term past valuation ratios. Thus, it enables you to know how I to easily value a company so that you can refer to it and use the same technique to assess the value of your next stock investment.
In essence, we give you a highly customised set of materials such as video tutorials, presentation slides, eBooks, and as well as templates and case studies of 50+ high-quality dividend-paying stocks. All these help you kickstart your journey to build a stock portfolio that pays dividends that are consistently increasing year-after-year so that you’ll move one steps towards financial freedom.
I have shown you that it is absolutely possible for you to start building a stock portfolio which pays you recurring and growing dividends systematically year after year without relying on tips, rumours, hearsays, brokers’ reports, and highly sophisticated charting software.
And you knew that this is possible if you possess the right mindset, right sets of skills, and a specific game plan to build wealth sustainably from investing in the stock market. Better still, you can replicate this investment model into different markets which include SG, HK, and the US markets.
And the best part is that you can start by ‘Copy & Paste’ my personal game plan in stock investing and start reaping increasing dividends for yourself.
So, if you are ready to acquire the mindset, skills, and a game plan to start your journey towards your first or next dividend income, here is how you can sign up for the membership. The classes, templates and the case studies of as much as 50+ best dividend-paying stocks in MY and SG are already made available in the Private Member’s Area so you can get started immediately.
By the time you’ve completed the Modules, you would be able to fully leverage on my templates and case studies to select your preferred dividend stocks, invest and build a portfolio that pays you growing dividends regularly.
The retail price for the Dividend Vault Membership is RM 999 / year.
If that sounds expensive, keep this in mind ...
Today, it costs you between RM 5,000-RM 10,000 to attend a 3-4 day workshop on either stock investing or trading and even after days of intense training, you most likely still get stuck to do stock research on your own.
Dividend Vault is designed to be a long-term companion to guide you on a step-by-step basis to build your dividend portfolio at a fraction of typical workshop fees. Once you get the hang of it, you own this highly invaluable skill set for life.
But the fact that you are still with me on this page shows that you have a desire and are serious about attaining investment success for yourself. So, here’s what I’m going to do...
I like to see you succeed and hence, will be thrilled to know that you have gone through my work and have used them to improve your financial life.
So, if you are willing to invest in yourself today, I’m eager to invest in you.
I’m going to give you a 50% discount and reduce the price to just RM499/year.
To put that into perspective, you have just seen how I had built a stock portfolio that pays increasing and recurring dividends from scratch in the above example. So, would you invest a few hundred ringgits in replicating that investment model? I sincerely hope so.
Well, there is one small catch.
Your discount is only valid for this intake, till the timer runs out.
Why? This is because being decisive and committed are key common traits that are shared by successful investors. Simply put, it is almost impossible for you to build wealth sustainably in the long run via stock investing if you don’t commit to learn and use the right mindsets, skills, and tools that are made available in this membership.
So, I would like you to get off the fence and make a decision to start your quest in becoming a kickass money-making stock investor today.
Now, in addition to the 50% discount, I want to make this a completely safe and risk-free decision for you.
So, I’m going to give you an unprecedented 3-part guarantee that is unheard of.
After completing the Dividend Investing challenge
The Dividend Vault is really an excellent program!
Here I concluded a few practical concepts which really help me and most importantly it compounded my wealth:
1. Accumulate stock of Good companies when the P/E is lower than the 10 years Average and the industry average. The best thing it provide me margin of safety.
2. Avoiding emotional decisions or buying because everyone is buying a stock. By studying the financial analysis and case study of a stock, it enable me to make wiser stock buying decisions.
3. Longer term analysis enhanced long term perspective, good stocks compounded my wealth over long terms.
Since adopted the concepts of Dividend Vault, I have never lose money and my wealth compounded.
I really thanks to Ian for his patience and passion to prepare the case studies and financial data! That's really a lot of hard works behind the screen! Appreciate!
Dividend Vault reduces the number of hours needed to research and screen through thousands of companies available in both Malaysia and Singapore markets, especially for someone who is working full time.
Packed with contents that include video guidance and online training from KCLau and Ian themselves to ensure you can achieve consistent dividend yield over time.
If you are unsure on how to achieve consistent dividend yield, dividend vault is the website to go! Here, Ian and his team will show you a powerful way to make a consistent dividend as passive income on top of your regular salary.
Cha Yee Weng
Dividend Vault member
Dividend Vault is value for money, a gem you can hardly find in any other places.
I'm impressed with the materials: well-structured stock investment concept and simplified system. It makes stock investment easier, safer and saves time.
I am investing stock for long term capital gain and dividend yield. The timely case study on the good companies through Dividend Vault help me to find those hidden gems in the stock market and grab it with undervalued prices.
You will never regret to join Dividend Vault. It could be the game changer in your journey of investment.
Ian Tai's continuous effort to upload the most updated case studies of good companies really save many people from the wrong investment decisions and avoidable disasters.
Ian had done the hardest part of the work: painstakingly compiling and updating tons of relevant data and give it all to Dividend Vault members.There is nothing like this out there. If you’re looking for a system to invest for long term sustainable growth, this is where you should start. In fact, it’ll jumpstart your investing.
I expect to get long term, sustainable recurring income through Dividend Vault.
Samuel Y, Independent Marketing Consultant
Dividend Vault had assisted me greatly as it saved me time and effort to find fundamentally strong stocks to invest. Moreover, it helped me to evaluate whether a stock price is fair, undervalued or overvalued.
As I'm a long term value investor and go for consistent dividends as passive income, Dividend Vault is what I'm looking for.
Thank you for the effort Ian Tai and KCLau put in.
Dividend Vault member
After completing the Dividend Investing challenge
Dividend Vault is a great online course and the modules are well designed and delivered. I love the use of analogies on daily activities such as buying groceries to explain investment concepts. The reminder emails helped to keep my momentum to complete the course. Most important of all, Dividend Vault is an excellent stock filter, the detailed assessments help me to identify the stocks that meet my criteria for investment.
First, I'm going to give you a no-questions-asked 30-day money-back guarantee.
For the first 30 days of this membership and if it is not a good fit for you, please contact our support team at email@example.com, and we'll give you a full refund promptly.
Within the first 30 days, if you couldn't identify a sufficient yielding dividend-paying stock, notify us to get a prompt refund of your fee.
If you don't see how the information inside the members' area is going to move you toward financial freedom, send us an email, and we will pay you back the money.
Do it within the first 30 days, you'll be assured that you won't burn a single cent. That's our 100% satisfaction guarantee!!
We usually process a refund within 24 hours. But sometimes nobody is working due to prolonged holiday. We beg your pardon if there is any delay. We will honour the cancellation according to the date of your email.
The retail price of Dividend Vault is RM999/year. If you join this round, you locked in the 50% discount for life. It means you will always be paying RM499/year only. NO INCREMENT ever. Regardless of how the situation is in the future, we won't raise your subscription fee for any reason.
By the way, despite the situation that you'll receive rising dividends from your stocks in the future, the subscription fee to get full access to our on-going stock update still stay the same price for you. So when you make more money in the future, your cost to continuously get access to our analysis remain the same. No price hike ever, PROMISED.
By the way, the subscription is on auto-renewal. However, you can definitely cancel anytime. You don't need to call us to do it. You don't need to navigate to any hidden page to cancel. What you need to do is to send us an email (firstname.lastname@example.org) to inform. And we will cancel your access on the next due date and your auto-pay subscription.
The third one is where things get really interesting...
Believe it or not, I’m not here to sell you yet another membership program, and I’m going to prove that to you right now...
My ultimate goal is to turn you into a successful investor who can earn recurring and increasing dividends from your stock portfolio.
And, I’ll be absolutely thrilled to know that you have made it and are taking yet another step closer towards financial freedom.
While I’ll do my part to create the tools and materials to speed up your process in building your portfolio, the thing is: you need to take action to reach your goal.
At this point, I’m confident that you are ready to get started, that you’re serious about replicating my investment model to earn a lifetime of dividend income.
As such, I’m going to put my money where my mouth is and offer you a
Dividend Investing Challenge.
So, what’s that?
First, watch and follow along the Tutorial Videos made available in the Modules within the membership. They would equip you with the wisdom to comprehend my ongoing updates on the 50+ dividend stocks contained within Dividend Vault.
Second, browse through the 50+ dividend stocks and invest in 5 different stocks which fulfil the following criteria:
Third, keep a copy of the statements of your stock investment account and also your dividend vouchers or statements. After you received your first payment of dividends from each of your 5 stocks, please email me a copy to prove that you had received the dividends. My email is email@example.com.
You can do it anytime for the next 12 months after your subscription to Dividend Vault. When you do, I'll send you an extra RM300 as your bonus dividend. I'll deposit the money to your bank account.
The above is just one of his many dividend vouchers received from his stock portfolio.
The above is a dividend voucher worth RM 2340, just one of his many dividend vouchers received from his stock portfolio.
In other words, I’m going to pay you to finish the Modules, begin investing, and change your financial life.
I’ve never seen anyone else who is willing to do this, so why am I?
This is because I want to reward people who take action and achieve success. It allows me to achieve my ultimate goal of turning you and many more friends to become successful in stock investing quicker and more efficiently, which is from my point of view, a lot more meaningful than just earning money itself.
As such, there’s literally no way you can lose here.
At a bare minimum, you have a 30-day money-back guarantee to view what’s in Dividend Vault risk-free. And when you have invested into 5 stocks and collected dividends from them, I’m going to send you extra RM300 as a bonus dividend to your bank account.
So, here’s what you should do to get started.
Click the button below right now to join:
A fully secured checkout page will pop-up in a new window so fill it up and click submit. After making your payment, you'll access the members area instantly.
And that’s it.
Watch the welcome video to get started, follow along the 10 Modules, and you can build a dividend portfolio by referring to my templates and case studies on 50+ best dividend stocks listed in Malaysia and Singapore.
So, at this point, let me recap the offer:
You’ll be officially enrolled into Dividend Vault, a membership program that not only guides you but rewards you to learn and build a stock portfolio that would churn recurring and increasing dividend income into your bank account.
If you join before the deadline, I’m going to give you a 50% discount and hence, reducing the price from RM 999/year to just RM 499/year.
You’ll get a 30-day 100% money-back guarantee so that you can check it out for yourself risk-free.
More importantly, you’ll be able to take up my Dividend Investing Challenge.
Follow the Modules, Invest in 5 stocks, Collect Dividends from them, and please submit these statements to me within the next 12 months and I’ll pay you extra RM300 BONUS DIVIDEND via bank-in transfer.
Thus, I would like to invite you to get onboard the Dividend Vault.
So click the button below to get started, and I’ll see you in the Private Member’s Area.
book author, stock investor, trainer & speaker
Creator of Dividend Vault
If you don’t want to pay us using a credit card, please follow the following steps:
Bank in the amount RM499 to:
Account No: 101208821608
Account name: Lau Kong Chyuan
You can bank in cash, cheque (payable to “Lau Kong Chyuan”) or Internet banking transfer.
After making payment, please send an email to firstname.lastname@example.org
Make sure you have the following info in your email:
If you want to spend less time researching and receive regular dividend payments from your stock holdings, Dividend Vault has the solution for you.
Yes. The videos are cut and edited from the webinars archived in PWM. If you are a paid member of KCLau’s PWM, you might have watched all the Dividend Vault Training.
We had sliced the important parts of the webinars and make it shorter for DV students to pick up the essential training.
You might not need the training in Dividend Vault Training modules. However, the significant value of DV is the constant updates of the 50+ top dividend-paying high-quality stocks and case studies. Ian updates that whenever there are new financial results announced by the companies. He keeps track of those excellent companies that deliver consistent growth in revenues and profits, so that you can start building your own portfolio to enjoy good dividend yields for many years to come.
In fact, this is the 50% discount we provide to all email subscribers of KCLau.com. Regardless of whether you had purchased any of our product, this is already the discounted subscription fee.
If you pay through a credit card or debit card, you will be on autopay on the same day the next year. But if you pay through bank transfer, there is no auto-renewal, and you will need to remit payment on the subsequent renewal next year.
You can cancel anytime you like. Within the first 30 days, you will get back the full amount.
After the 30-day money-back period, you can also cancel anytime. And you will still have access to the members' area until your the next renewal date.
Just send a simple email to email@example.com, informing your intention to cancel. You don’t need to call us, nor Whatsapp. We will reply with the confirmation. If you don’t hear back from us within 24 hours, please contact us at https://kclau.com/support.
Alternatively, you can also navigate to the billing page inside the members’ area.
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