John Huo

To me, P2P (or the similar platform guys) can be profitable but whether they have the justification for their valuation is another matter. They just need to decide on profit or valuation route, the later has a tendency to run out of "steam". #fintech #p2plending #digitallending

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In portfolio optimisation, folks talk of the tangent portfolio in MPT. Move along the line further and you have passed the optimal point for the portfolio in MPT terms. LLM's have issues; much has been written about them. Scale was the imagined solution and all will speak to that as the solution. Very recently, some are questioning this logic, for good reason. There is a point where you get diminishing returns. Scale was the solution chased because it was the easiest of the options—just add capital and power. I use the following tale to communicate how this can be a great outcome for financial advice in Australia. Not because I am a Luddite but because this reality means hybrid advice is locked in. By thoroughly examining the defining characteristics of "digital advice," we start to clarify the complexities and nuances of this concept. Although it is frequently referenced in discussions about modern solutions, it is seldom fully understood or elucidated. Understanding what digital advice entails—including its methodologies, effectiveness, and application in various contexts—will help demystify this solution and highlight its significance in today's digital landscape. #financialadvice #financialadvisors #wealthmanagement #superannuation #retirement

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Satoshi Nakamoto I was reading the Bitcoin white paper when I was studying for my qualifications earlier. It is quite simple but brilliant in nature … especially when they purposely designed it to be decentralised to prevent any single party from controlling it as well as the proof of work methodology to ensure the security and sanctity of the transactions. Interestingly, Satoshi uses the term “we” when addressing himself … so it is quite obvious that it is a team of people who collectively came together to form Bitcoin and called themselves Satoshi Nakamoto. It is becomes quite obvious as one single person cannot possibly have the combined skills and knowledge in the financial markets, cyber security, cryptography, programming, blockchain architecture, risk management, strategy overlay etc to launch Bitcoin. I attached the summary of the Bitcoin white paper for your reading pleasure.

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MITI is confident that it can achieve the primary targets set for the first year of the New Industrial Master Plan (#NIMP2030). Based on NIMP 2030, launched on Sept 1, 2023, the value-added contribution of the manufacturing sector to the gross domestic product (GDP) has increased by 4.7%, amounting to RM4.2 billion. Employment numbers have also risen by 0.9% or 200,000 workers, as of the second quarter of 2024 (2Q24), compared to 2Q23. Additionally, the median salary in the manufacturing sector increased by 8.2% or RM201, as of 1Q24, year-on-year. Almost all key performance indicators for 2024 have met their targets, so we are confident that we can achieve the targets set for the year. Under NIMP 2030, MITI aims to achieve a value-added contribution of RM587.5 billion from the manufacturing sector, create 3.3 million job opportunities, and raise the median salary to RM4,510 by 2030. #MITI #ThisIsWhereGlobalStarts #TZA https://lnkd.in/gYFfWAgs

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At Kuza Asset Management, we believe that the foundation of financial success lies in smart saving habits. Whether you’re just starting or looking to optimize your investment strategy, we’re here to help you every step of the way. Let’s grow your savings together! #investwithus #kuzaassetmanagement

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Labuan Private Funds are mutual funds whose securities are owned by not more than 50 investors where the first-time investment of each investor is not less than 250,000 Ringgit Malaysia or the equivalent in any currency. However, the number of investors can be unlimited if the first-time investment amount of each investor achieved 500,000 Ringgit Malaysia or more. A Labuan Private Fund is normally used as a vehicle to raise funds from private investors to invest in a project or an investment portfolio. A very important note to highlight is that a Labuan Private Fund cannot be offered to the general public. Watch the video for more info: https://lnkd.in/g6P2RggU #MCS #Labuan #PrivateFund

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alt (260A): AI Breakthroughs: but how to grow from here? I had a meeting with alt CFO. alt was listed on TSE Mothers on 10/11/24. Market Cap:¥20 Bn P/S:      3.6x (E FY12/24 ¥5,545 MM)              2.8x (E FY12/25 ¥7,000 MM) Guided sales growth: 35% y/y in FY12/24, 26% y/y in FY12/25 The company is not yet operating profits positive. Simply as a reference, AI startup Sakana AI (Nvidia-backed) was valued at $1.5 billion at the recent series A round. The business focus: For about a decade, alt has focused on developing personal AI (PAI) similar to personal agents in the U.S., but more tailored to individual thoughts and habits—essentially a digital self-copy. This vision aims to free humans from labor-intensive tasks, allowing them to focus on creativity. To achieve this, they’ve developed technologies in areas like brain-inspired AI, speech recognition, and voice synthesis. The company’s progress has led to monetizable products, and they remain dedicated to perfecting digital human replication. At this point, 85%-90% of sales is from AIGigiroku which transcribes and translate the meetings simultaneously. It also generates summaries of the meetings based on your desired level of condensation. The key for this stock to gain higher a valuation is to show investors that they get sales level from the current ¥4-5 Bn to ¥10 Bn in the next couple of years. My questions focused on 1) the Competitive landscape 2) OP breakeven forecast, 3) Valuation, and 4) Talent acquisition outlook If you are interested in a full meeting note which is available for a small fee, please DM me. #alt #PAI #PersonalAI, #AIagent #Clone #JapaneseAI #Japanesegrowthstocks #

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𝟏 𝐂𝐞𝐧𝐭! 𝐉𝐮𝐬𝐭 𝟏 𝐂𝐞𝐧𝐭! The problems at this so called "Unicorn" are there for all to see. But the actual problem is not how low its share price is. The problem is also not that Indonesia is a low spending nation. Pak Hasan Zein Mahmud - former IDX CEO - said it all correctly. The problem is how irrational and illogical the so called "investors" are nowadays. Else, how to explain why would anyone invest at high valuation a company that had been "suffering losses of tens of trillions of rupiah for several years"? How to explain why would these investors put money in a company that has been "racing to burn money, chasing gross transaction value (GTV) growth at the expense of profitability"? And you guys know what? Some of GOTO's current management team are from the early investors. The same investors who put their money into such a loss-making, cash-burning, chasing-growth-at-all-costs company. The same investors are now running this company! #business #management #ceoinsights #startups Gojek Tokopedia #venturecapital #investment https://lnkd.in/gFN98Ji6

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🏦 UOB's Offshore Move: A Signal of Cost-Cutting Trends Singapore, Singapore - United Overseas Bank (UOB), one of Singapore's largest banks, has made a strategic decision that could send ripples through the local corporate landscape. The bank has announced plans to relocate some back and middle-office functions to Kuala Lumpur and other parts of Malaysia, a move aimed at reducing costs and maintaining its competitive edge. Rising Costs and Competitive Pressure While UOB has long been known for its prudent financial management, this latest announcement has raised eyebrows among other Singaporean companies. The decision could be seen as a signal that even established, homegrown firms are feeling the pinch of rising costs and increasing competition. The move is driven by the high operating costs in Singapore, which have made offshoring an increasingly attractive option for businesses. By relocating certain operations to Malaysia, UOB can benefit from lower labor costs and a more favorable regulatory environment. Potential Industry Ripple Effects This decision could trigger a wave of similar moves by other Singaporean companies. As businesses seek to remain competitive in a challenging economic climate, offshoring may become a more common strategy for reducing costs and improving profitability. Concerns for Local Employment While the move may offer short-term benefits for UOB, it also raises concerns about the potential impact on Singapore's job market and economy. As more companies consider offshoring, there is a risk that skilled jobs could be lost to other countries. Need for Government and Industry Response The government and industry leaders will need to carefully monitor these developments and take steps to ensure that Singapore remains a competitive and attractive location for businesses. This may involve implementing policies to support local companies, attract foreign investment, and develop a highly skilled workforce.

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Understanding Liquid Wealth: Who Can Afford RM50,000 Tonight? In this video, we explore the concept of liquid assets and why only a small percentage of Malaysians can access significant cash on short notice. Learn about the financial realities faced by many and what it means to have liquidity. #bossmewah #mentor #kontraktor #arkitek #designer #guru #architect #architecture #coach #perniagaan #contractor #business #construction #LiquidWealth #FinancialLiteracy #WealthManagement #CashFlow #PersonalFinance #MalaysiaFinance #InvestingSmart #WealthBuilding #EconomicReality #FinanceTips

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Eyes on Hibiscus as investors capitalise on the recent oil price rally Hibiscus Petroleum Bhd looks ripe for further upward movement after a bullish run recently. However, news of heightening geoopolitical tension dragged the positive momentum of the stock, closing lower at RM2.76. Investors may not need to worry as long as the counter does not dip below RM2.60, which is still way above its year low of RM2.12 seen last July. What makes Hibiscus one of investors’ favourite oil & gas stocks is its status as a pure exploration and production player. Hibiscus' share price performance is highly correlated with global oil prices, which have surged over US$90 per barrel mainly due to escalating geopolitical tensions in the Middle East, Opec+’s decision to maintain production cuts as well as Ukrainian strikes on Russia’s refineries. In addition, the counter is seen as highly undervalued growing company with low price earnings ratio, low price to book ratio and strong cash flow. But investors might hold back as Hibiscus is expected to incur high capital expenditure in FY2024 and FY2025. That said, the ongoing capex should be easily covered each quarter with good PAT and should start to see increasing output/ increased revenues as they are realised. For the second quarter ended Dec 31, 2023, Hibiscus posted a higher net profit of RM102.33 million from RM70.47 million a year ago despite registering lower revenue of RM627.55 million from RM713.13 million. There is also some sense of certainties for Hibiscus after the Fyne Field oil field development licence for its unit has been extended by 30 months by the UK's North Sea Transition Authority (NSTA). Hibiscus’ indirect wholly-owned subsidiary Anasuria Hibiscus UK Ltd owns a 42.5% stake in the licence, with Ping Petroleum UK Plc, an indirect subsidiary of Dagang NeXchange Bhd, holding another 42.5% interest. Rapid Oil Production Ltd owns the remaining 15%. NSTA approved the extension request for the second term of the licence from March 31, 2024 to Sept 30, 2026. Hibiscus and Ping Petroleum bought into the licence in November last year, and the first oil is expected in 2026. WIth good potential growth for Hibiscus, the current weakness in the share price should provide a sound entry point for investors looking to capitalise on the rising crude oil prices.

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