Detailed Analysis on Stocks Listed on The ASX

Associatedwaltjizzney @ Stocktake With Yush on 12/07/2020 - 12:04
Last edited 12/07/2020 - 14:33 by 1 other user

Hi Everyone,

Love this community, have saved lots of $$$ so thank you to everyone!

During this pandemic, there has been an increase in the number of people wanting to invest in the sharemarket but have been investing without full knowledge about the company or what future growth looks like. They've simply been day-trading or investing for short term without knowing the full story.

I've started a youtube channel in which I discuss the following points so all investors can make a more informed decision 😊

  1. Background about the company
  2. How they've dealt with the COVID-19 situation
  3. Industry & Company growth
  4. Financial performance analysis
  5. Latest news
  6. Estimating future results
  7. Outlook

Just want to make sure that people we well informed about everything that is happening so they are not gambling away their hard earned money.

Here is the link to the channel 😊

https://www.youtube.com/channel/UCm45YXrR4_iWNRzlglk2_Ig?vie…

If you like the content, then subscribe so you can stay tuned with all the new content 😊

Financial

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Comments

  • [Deactivated] on 12/07/2020 - 12:09
    +1

    Im still a slut for the fool
    https://www.fool.com.au/

    • Associatedwaltjizzney @ Stocktake With Yush on 12/07/2020 - 12:38
      +1

      Hahah even I'm a slut for the fool, got a few mates who post there, not too bad tbh

    • ozbjunkie on 16/07/2020 - 22:32
      +1

      I can't do it. So much cheap copy, sign up to the newsletter for the 3 stocks nobody knows about that will X y z buzzword buzzword snore.

      Am I missing something here?

      • [Deactivated] on 17/07/2020 - 10:02

        I only visit the fool when im after general stock advice, not a regular reader
        Like 'best etfs for 2020'

        • ozbjunkie on 18/07/2020 - 10:07
          +1

          Yep, very fair.

          I'm too risk averse to pick my own stocks. I do get jealous of people's reports of big wins though.

          Any idea of a website (or other method) that would help me roughly calculate the difference between a high interest saving account and buying into an asx200 or allords ETF over the past, say, 10 years?

          I realise there's a number of variables, including interest rate, management fees, dividends and franking credits (which therefore means my tax bracket is another variable).

          • [Deactivated] on 18/07/2020 - 15:33
            +1

            @ozbjunkie: Go with ASX ETFs using US top 500 companies only, easy to find basically guaranteed 10% increase p/a

  • whooah1979 on 12/07/2020 - 12:16

    Can you please do deep dive on hertz? Our super is burning a hole in the mattress.

  • cwongtech on 12/07/2020 - 12:21

    Do you disclose you are an active investor at the end of the video? (I'm pretty sure you will be.. sharing your thoughts/"providing insights") to companies you're interested in

    Pretty sure aside the motive (as with all investors making youtube videos) is you're trying to help decorate the value that your shares hold (and hopefully they will appreciate)

    Question for your Zip Analysis (ZIP)
    It really is targeting the financially illiterate.
    Under $1000 - and a free "student"/entry level tier credit card have pretty much the same repayment structure (interest free for 45-55 days) except it doesn't tell you to pay in different instalments, onus is on the consumer..

    In my opinion, it's targeted towards consumers that have a negative sentiment against credit cards, but oh I can Buy Now & Pay Later? it's all good!

    Good luck on the YT channel!

    • whooah1979 on 12/07/2020 - 12:27

      Do you disclose you are an active investor at the end of the video?

      Is the YouTuber providing financial advice or are they merely voicing their opinion?

      • cwongtech on 12/07/2020 - 12:33

        Voicing their opinion, which is sharing their thoughts

        A very solid way to influence other potential investors, without getting into trouble because you're not giving "advice" :)

        • whooah1979 on 12/07/2020 - 12:42

          Providing financial advice without a licence is unlawful in most countries. Sharing trading or investing opinions on social media isn’t.

          I don’t know which category op is in because I haven’t clicked on the link. People that have can make up their own mind.

    • Associatedwaltjizzney @ Stocktake With Yush on 12/07/2020 - 12:38
      +1

      Hi cwongtech, I'll make sure I do a full disclosure in my future videos but my aim isn't to decorate the value of the shares tbh. I do hold ZIP but when I made my other video on Pointsbet, I was not a shareholder. I've had few friends who've made some investment decisions and burned their money by investing in stocks when they were at their peak, so just wanted to help people like that 😊

      In terms of your question, I beg to differ the under $1000 thing. The other day, I purchased a monitor from Centrecom and they were charging fees for credit card, PayPal but zip had no fees. I ended up purchasing using ZIP and given I've paid it back within 6 weeks, no fees were charged. Ended up saving about 2% in fees.

      I had the funds to pay the entire amount in full but given the option of not paying 2% in fees, I ended up choosing ZIP as a payment method.

      The other benefit of using BNPL companies as suppose to credit cards is that BNPL companies have their own promotions similar to Afterpay does annually.

      Thanks for sharing your thoughts, much appreciated!

      • cwongtech on 12/07/2020 - 13:00
        +1

        I've had few friends who've made some investment decisions and burned their money by investing in stocks when they were at their peak, so just wanted to help people like that 😊

        Good on your motives :)
        A lot of people around me (financially illiterate) are definitely jumping on the stocks bandwagon, only celebrating wins and ignoring the losses (Pokies tactics, it doesn't make sounds when you lose money, only when you gain money)

        In terms of your question, I beg to differ the under $1000 thing. The other day, I purchased a monitor from Centrecom and they were charging fees for credit card, PayPal but zip had no fees. I ended up purchasing using ZIP and given I've paid it back within 6 weeks, no fees were charged. Ended up saving about 2% in fees.

        That's a valid argument, Zippay as an alternate payment method having no fees! Very strange though, but definitely interesting

        I had the funds to pay the entire amount in full but given the option of not paying 2% in fees, I ended up choosing ZIP as a payment method.

        Nice!

        The other benefit of using BNPL companies as suppose to credit cards is that BNPL companies have their own promotions similar to Afterpay does annually.

        Agree with you there, though I am an AMEX user, so I find their statement credits are a lot more attractive than vanilla visa/mastercard credit cards :)

        Good luck on the channel!

        • cloudy on 12/07/2020 - 13:29

          Very strange though, but definitely interesting

          It’s not strange if zippay and AP and others have terms which say no surcharges allowed.

          Yet with credit cards, the RBA says retailers have rights to allow for surcharging.

          The RBA has also stated they will look into BNPL contracts to ensure retailers are not disadvantaged by this, but the pandemic has delayed this.

          Fact is, if you use BNPL, the retailer will get charged two or three times the fees of Visa/Masster

          • netjock on 12/07/2020 - 15:53

            @cloudy:

            Fact is, if you use BNPL, the retailer will get charged two or three times the fees of Visa/Masster

            The best part is for 6% of whatever they are getting is they are assuming all the credit / default risk.

            Remember Harvey Normans used to give 12, 24, 36 months interest free. Same as ZIP/Afterpay. HN gives x% of the sale to the credit provider and the credit provider assumes the risk. You wonder why it never took off? Because not everyone got credit once they checked the credit file. Afterpay / ZIP may check your credit file but if they don't and there is a serious shock like COVID19 where a lot of people buy and later not many of them pay it back.

            It is just a credit card company dressed up as a technology company. We seen it with WeWork. Good trading opportunity for share traders but definitely not a long term stock.

            • cloudy on 12/07/2020 - 20:19

              @netjock: Ah netjock, you must be my twin brother i never knew i had.

              I fully agree with all of what you say, except the conclusion.

              For some reason, i can't explain, it will be a long term business, and there will be a long term BNPL top 100 company in our ASX. As you can see, like me, its a complete rip off for the merchant. Imagine the usual retailer earning a healthy 10% EBIT margin (many would fail this), and imagine if all your customers transititioned from Visa/Master(at 1.25-1.5%) to a BNPL (5-7%). You'd be dropping from 10% earnings to somewhere in the region 5-7%. Massive drop in profits. So it's the merchants shooting themselves in the foot, but if they can continue to convince merchants to shoot themselves( which they are, i mean walk around any shopping centre and you can see heaps of shops with signs saying they accept zip or AP), they will do well, since the customer, as you pointed out, gets free credit with no checks ( yes AP does no credit checks)

              So I can't see them failing, until merchants push back. Which I hope they do push back, plus as i mentioned I hope the RBA will force all BNPL contracts to allow merchant to surcharge to allow parity with credit cards.

              • netjock on 12/07/2020 - 20:39

                @cloudy:

                So I can't see them failing, until merchants push back.

                Or like UberEats put their suppliers out of business.

                Sorry no top ASX100 business. Even top 10 ASX listed companies are small by world standards. Only reason banks are top 10 is because they sit on so much property loans even sub 2% gross interest margin is a lot of money.

                If it is such a good business you think they'd think of it in Australia? Australians have a can do attitude but it is just a poor rehash.

                The HN buy now pay later was run by GE Capital. Before the financial crisis 2008/9 if anyone could get it to work GE should get it to work. If you look at tech firms overseas who have tried to do tech driven lending they try to give borrowers a quick decision (because they try to capitalise on impulse purchases) with little due diligence on credit worthiness of the borrower.

                Always end up in tears.

                • cloudy on 12/07/2020 - 21:56
                  +1

                  @netjock:

                  Or like UberEats put their suppliers out of business.

                  As much as restaurants hate food aggregators, the lack of market power means many are forced to always use them and for every kitchen failure, another pops up.

                  Same with retailing, there will always be retail, don't you think? It just needs them to be willing to say no to BNPL or push back on fees, from this guys youtube Zip makes 8% of TTV. It's cancer on society for us to have 8% skimmed off our purchases to BNPL, but the model is now working. GE failed for whatever reason they failed on, but BNPL is certainly more ubiquitous than any financing deal I've ever seen.

                  I just find it sad this sort of short term payday lending, masquerading as a tech company is so mainstream in a world of so much debt.

                  • netjock on 13/07/2020 - 10:05
                    +1

                    @cloudy:

                    As much as restaurants hate food aggregators, the lack of market power means many are forced to always use them and for every kitchen failure, another pops up.

                    Most people who run restaurants / cafes don't have the skills to. They just pretend it is some way to get out of working for someone else.

                    There is a saying if you want to be rich either get a career or start your own business. It is easier to be your own boss because nobody is going to tell you how to spend your money to failure.

                    Same with retailing, there will always be retail, don't you think?

                    There will always be retail but we're not talking about the survival of retail we're talking about BNPL.

                    BNPL looks like it is working until it doesn't. Just like WeWork. WeWork sounded like a good idea. I didn't even have to look at their financials to know that they signed long term leases for short term cash flows and as always bound to fail when there is a shock. Just like people who bought expensive apartments to specifically Airbnb.

                    People just aren't happy when people tell them otherwise.

                    Tech is good but one thing you never do is take on risks because you think you know tech so you know better. It isn't about tech it is about credit risk. You can cut down on all the overheads a traditional banks have but when you work the numbers you know that 6% - 8% isn't enough when you've got unsecured debt. I work in IT Finance and I can tell you the salaries in tech are out of proportion to the general workforce (that is probably why most people on OzBargain who come out about how much they earn is on $200k+) if you position yourself as an tech company you already have a salary bill 20 - 30% above normal.

                    • kiitos on 13/07/2020 - 18:10

                      @netjock: I went to a Meetup that was hosted in WeWork site, it looked amazing and I was thinking that the tenants must all be rich to afford to stay here, maybe not.

  • bloom on 12/07/2020 - 12:29
    +1

    I thought this was going to be detailed review on the Mitsubishi ASX… similar yield?

    • cwongtech on 12/07/2020 - 12:34

      What about the 80K BMW high yield investment vehicle?

  • Trying2SaveABuck on 12/07/2020 - 12:57

    Good luck

  • cloudy on 12/07/2020 - 14:10

    Please do one on Sydney airport and explain the trust structure and why it exist.

    Thanks

  • Ghost47 on 12/07/2020 - 22:03

    Damn OP you sexy.

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