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pasttime Supreme	09-Mar-2026 07:25        pasttime About Contact  Quote this Post!   Yells: "gold silver are real money. not others iou."
x 0   x 0  Alert Admin	spread of investment between debt, equities, cash, precious metal. yzjfh uses 40 debt, 40 equities, 20 cash no precious metal. the beauty about this money is it will grow in 3 ways. 1. all will produce cash earnings over time.  2. market will constantly risk on/off and hence switch between debt, euquities. the model needs to review the percentage of each over time. selling the part that has expanded beyond the percentage allocated due to market actions.  so like euqities go up 15%. then sell some to allocate money to cash and debt to rebalance back to 40:40:20 ratio. in such rebalancing the wealth will grow with time.  3. rate of compounding growth.  so no just look at it as a 4.5% growth stock. it will be much more depending of how volatile market goes.
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Winnertakeall Elite	07-Mar-2026 11:18        Winnertakeall About Contact  Quote this Post!
x 0   x 0  Alert Admin	Valuation outlook for YZJ Financial    Despite weak sentiment: NAV per share ~ S$0.50 Share price around ~S$0.28 ~ 0.31 (recent trading range).     👉 That means the stock trades below book value (P/B < 1). Investors see it as a deep value stock, but with risk. 📈 Overall 2026 outlook Bullish case : Balance sheet cleaned up New investment strategy Potential recovery in China markets Trading below NAV
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Winnertakeall Elite	07-Mar-2026 11:07        Winnertakeall About Contact  Quote this Post!
x 0   x 0  Alert Admin	📊 Yangzijiang Financial Outlook for 2026 1️ ⃣ 2025 loss resets expectations In FY2025, the company reported a net loss of about S$5.2M, reversing from S$304.6M profit in 2024.    The main reason: ~S$290 ~304M credit loss provisions Mainly linked to China real estate and debt investments.     This means management wrote down risky loans and investments to clean up the balance sheet. 👉 In simple terms: 2025 was a reset year for the company.   2️ ⃣ Portfolio restructuring strategy (2026 focus) Management plans to restructure the investment portfolio. Target allocation going forward: 40% debt investments (income-generating loans/bonds) 40% equity investments (private equity + listed stocks) 20% cash for liquidity.     In 1H2026, the company plans to deploy up to RMB 1B (~S$184M) into high-yield listed equities (> 4.5%) and other investments.    👉 Goal: build a more diversified earnings base. 3️ ⃣ Balance sheet remains strong Despite the loss: The company has no external borrowings.     Cash levels increased significantly after portfolio adjustments.     Also: Operating profit before provisions was still positive (~S$92M).     👉 This suggests the core business still generates income.   4️ ⃣ Post spin-off strategy The company spun off its maritime investment arm into Yangzijiang Maritime Development, shifting about S$2B of assets to the new entity.    After the spin-off: Yangzijiang Financial now focuses purely on financial investments and asset management. Assets under management now around S$1.7B.
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SemiCon-Sunset Member	06-Mar-2026 17:05        SemiCon-Sunset About Contact  Quote this Post!
x 0   x 0  Alert Admin	As opposed to what? Whats wrong with a bit of speculation to stay on right side of the "washers" as you say? rayokc      ( Date: 06-Mar-2026 16:50) Posted: Seriously, all 3 YZJ shares are very highly speculated and high risks. It' s a washing machine. Better don' t touch.
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rayokc Senior	06-Mar-2026 16:50        rayokc About Contact  Quote this Post!
x 0   x 0  Alert Admin	Seriously, all 3 YZJ shares are very highly speculated and high risks. It' s a washing machine. Better don' t touch.
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Goodwill77 Supreme	06-Mar-2026 11:42        Goodwill77 About Contact  Quote this Post!
x 1   x 0  Alert Admin	Good move kt3152      ( Date: 06-Mar-2026 11:38) Posted: Yes added some to higher price bought earlier on.... Goodwill77      ( Date: 06-Mar-2026 11:24) Posted: 26 price also not too bad
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kt3152 Supreme	06-Mar-2026 11:38        kt3152 About Contact  Quote this Post!
x 0   x 0  Alert Admin	Yes added some to higher price bought earlier on.... Goodwill77      ( Date: 06-Mar-2026 11:24) Posted: 26 price also not too bad
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Goodwill77 Supreme	06-Mar-2026 11:24        Goodwill77 About Contact  Quote this Post!
x 0   x 0  Alert Admin	26 price also not too bad
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kt3152 Supreme	06-Mar-2026 11:21        kt3152 About Contact  Quote this Post!
x 0   x 0  Alert Admin	Looks like no chance to get 25.....morning constant buying at 26....
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pasttime Supreme	06-Mar-2026 07:27        pasttime About Contact  Quote this Post!   Yells: "gold silver are real money. not others iou."
x 0   x 0  Alert Admin	打 造 世 界 级 科 技 创 新 策 源 地 今 年 的 政 府 工 作 报 告 提 出 ， 建 设 北 京 （ 京 津 冀 ） 、 上 海 （ 长 三 角 ） 、 粤 港 澳 大 湾 区 国 际 科 技 创 新 中 心 ， 打 造 世 界 级 科 技 创 新 策 源 地 。 these locations property will increased in demand from the new rich in tech.
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pasttime Supreme	06-Mar-2026 07:15        pasttime About Contact  Quote this Post!   Yells: "gold silver are real money. not others iou."
x 0   x 0  Alert Admin	people working in AI, chips, high tech are the new wealth. want to sell luxury goods, real estate. these are the people who has money.
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kt3152 Supreme	05-Mar-2026 09:33        kt3152 About Contact  Quote this Post!
x 0   x 0  Alert Admin	T+4 for high 31...selling pressure persists....
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Goodwill77 Supreme	04-Mar-2026 20:06        Goodwill77 About Contact  Quote this Post!
x 0   x 0  Alert Admin	Don' t think need a long wait
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Chansenghoe1971 Elite	04-Mar-2026 20:04        Chansenghoe1971 About Contact  Quote this Post!
x 0   x 0  Alert Admin	I am waiting at sub 0.20
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Goodwill77 Supreme	04-Mar-2026 19:25        Goodwill77 About Contact  Quote this Post!
x 1   x 0  Alert Admin	price expected to continue drift downwards war in middle east to last much longer than expected
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finjungle Veteran	04-Mar-2026 15:03        finjungle About Contact  Quote this Post!
x 0   x 0  Alert Admin	The impairment of debts smell!!! In just a financial years and a few months after the split in two, financial and marine, such Hugh numbers arose.  I hope at least SIAS would raise this question.  shareholders should demand for more investment  HVRRVH      ( Date: 04-Mar-2026 13:10) Posted: 1) $290.9m provision to clean up the book 2) $683m cash idling in ' cash management' - Personally I give them 1 year to see how are they going to deploy this 3) Still have $253.7 NPL on its book without provision - Will there be further provision? 4) Total provision stand at $517.8m - How many % can be written back? Over how long time frame?  5) For point 4, 38% is the figure cited by the company that the provision will be lost, therefore it is expected that $321m can be recovered DI is still too high with book value at $843.9m. That is almost half of its current total assets. Another 40% of assets amounting to $683m is sitting idle in ' cash management' ! Only 10% is now actively generating higher return!! The management need to do something and do it quick. Their only excuse now is they just completed the spin off of YZJM but that does not remove the fact that they have not been looking at other area of investments and take action accordingly other than martime in the last 3 years plus since spun off from YZJS. A new guy Malcome is recruited whith supposedly 10+ years relevant experience. Personally I give them 1 year. I want to see idle cash gone by at least half by end of FY26.
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HVRRVH Elite	04-Mar-2026 13:10        HVRRVH About Contact  Quote this Post!
x 0   x 0  Alert Admin	1) $290.9m provision to clean up the book 2) $683m cash idling in ' cash management' - Personally I give them 1 year to see how are they going to deploy this 3) Still have $253.7 NPL on its book without provision - Will there be further provision? 4) Total provision stand at $517.8m - How many % can be written back? Over how long time frame?  5) For point 4, 38% is the figure cited by the company that the provision will be lost, therefore it is expected that $321m can be recovered DI is still too high with book value at $843.9m. That is almost half of its current total assets. Another 40% of assets amounting to $683m is sitting idle in ' cash management' ! Only 10% is now actively generating higher return!! The management need to do something and do it quick. Their only excuse now is they just completed the spin off of YZJM but that does not remove the fact that they have not been looking at other area of investments and take action accordingly other than martime in the last 3 years plus since spun off from YZJS. A new guy Malcome is recruited whith supposedly 10+ years relevant experience. Personally I give them 1 year. I want to see idle cash gone by at least half by end of FY26.
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Chansenghoe1971 Elite	04-Mar-2026 12:52        Chansenghoe1971 About Contact  Quote this Post!
x 0   x 0  Alert Admin	40% div policy Based on 100m profit Should give 3.8% at this price
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Chansenghoe1971 Elite	04-Mar-2026 10:58        Chansenghoe1971 About Contact  Quote this Post!
x 0   x 0  Alert Admin	Have been on defensive mode Should start buying up soon Over selling Company should engage in sbb
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Tob231 Elite	04-Mar-2026 09:28        Tob231 About Contact  Quote this Post!
x 0   x 0  Alert Admin	according to survey, after last year measures, developers are building " good houses" - quality. it is a wise move by management to hold back in lending, and waiting for the good opportunity. accumulation imho
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