Dividend Vault
How to Build a Stock Portfolio that Pays Increasing Dividends Year after Year
Financial Authors, Trainers, Educators and Stock Investors
We'll show you how to systematically build a portfolio filled with stocks that pay recurring and increasing dividends.
WeI'll walk you through the journey from a complete newbie to a savvy Dividend-Growth Investor who can manage a dividend portfolio in market conditions independently.
We'll share with you 50+ case studies of the best dividend stocks inside Dividend Vault after compilation of 1000+ of stocks’ annual reports in both Malaysia and Singapore.
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 people fail to enjoy consistent income from their stock portfolio despite wanting and desiring to be financially free.
This is mainly due to having a wrong mindset on what stock investing is. This has led to many people buying stocks aimlessly without a specific game plan to invest profitably in the stock market. As such, it has resulted in countless of thousands in capital losses.
Here, I would like to share what I’ve learnt and what I’m actually doing with my own stock portfolio so that you 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:
IMPORTANT! If you possess the right mindset, 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 blindly after receiving tips is often the #1 reason for many people to lose thousands, tens of thousands, or even millions in the stock market.
The key to fixing that is to invest with a complete investment system. You know how to build, manage and grow your income-producing portfolio in all market conditions, especially during market crises and economic downturns.
After completing the Dividend Investing challenge
So, what’s my story?
Why am I able to earn income from my stock portfolio 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 TARUMT). 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.
For instance:
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.
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 dividend income, mostly either on a quarterly or semi-annual basis, and they are yielding 2+%-8+% per annum. I have built a portfolio where I would collect dividend income in 8-9 months out of 12 every single year.
You wish to aim for quick capital gains, buying a stock at $1 to sell it for $2 in the shortest period. This is because firstly, I don’t know how to do that and secondly, I believe stock investing is about building wealth systematically and sustainably over the long-term.
You wish to have regular trade alerts, buy-sell calls, target prices and as well as stock tips and recommendations. This is because I believe they are not the tools necessary to help one invest profitably in the stock market. My reliance is solely on actual information sourced from a stock’s annual reports, quarterly reports, press releases, and investors’ presentations.
You wish to have sophisticated stock charting, technical analytical or trading tools. This is because I’m a full-fledged dividend investor who invests primarily in dividend-paying stocks. I aim to earn recurring dividend income over a long time and not to make profits from trading.
You wish to have me to invest your money on your behalf. Sorry, I don’t offer such services to anyone or intend to in the future. This is because my objective is to share my knowledge, experiences, and approach in stock investing so that you can replicate it yourself to build your stock portfolio independently. In other words, I believe you should be your own fund manager and take 100% of ownership and responsibility of your investment decisions.
You wish to have me compensate your losses from any direct or indirect uses of my materials. Sorry, if you made a loss in investing, you would indefinitely be bearing 100% of your losses. Why? This is because I would not be taking a single cent from you should you make an investment profit. It means you’ll be keeping 100% of your earnings and incurring 100% of your losses. Why? This is because I don’t have any control over your actions or inactions.
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 this, let me introduce to you my ideal stock investment portfolio.
Pay us incremental dividends consistently regardless of economic conditions, both good and bad... so that we can have increasing passive income year after year into the distant future.
Deliver an overall portfolio yield that exceeds current local Fixed Deposit rates... so that our money will never be eroded by inflation, not worrying about hikes in prices of stuff years later.
Achieve sustainable capital appreciation over the long-term... so that besides the regular income, our portfolio would grow as time pass by.
In the event of major economic downturns, prices of stocks in the portfolio must demonstrate greater resilience and rebound the fastest upon economic recoveries... so that we are less affected by the negative sentiment, and have better sleeps at night.
Most importantly, the portfolio can be passively managed without being active in stock trading and monitoring activities... so that we can always take time off to spend our well-deserved passive income and attend important family events.
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 prices, which are painful losses to my dad that left him confused and utterly distraught. My relatives have suffered a lot more in damages as 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, namely accounting and finance, 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.
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.
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.
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$ 1.037 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$ 1.037 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:
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$ 1.037 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$0.35 a unit on 31 December 2008. The price was substantially lower than in other years as its stock price was affected by the global financial crisis (GFC) in 2008. In fact, that was the best time to invest in Mapletree Logistics Trust.
Note:
- Financial Year 2012 onwards are for the period ended on 31 March.
- Financial Year 2010 and prior years are for the period ended on 31 December.
However, prior to my purchase, I was in the view that the sharp decline in stock price is a one-off event and it is not practical to wait for another steep drop in its stock prices in the near future. Hence, excluding valuation ratios for the financial year 2008, from the table above, I had learnt that Mapletree Logistics Trust was trading below its 10-Year P/B Ratio Average of 1.17 and was offering investors a current distribution yield well above its 10-Year Average of 6.37% per annum.
Therefore, on 23 December 2016, I had decided to invest in Mapletree Logistics Trust at S$ 1.037 a unit as I found it to possess the following qualities:
Fast forward to present days, years after owning the shares, 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 189 properties worth S$ 13.3 billion presently.
It has delivered consistent growth in group revenues and distributable income for the last several financial years:
Thus, I have received the following distribution per unit (DPU) since Q3 2017:
How about the share price?
Based on the acquired investment price of S$ 1.03 a unit, the returns to-date is over >20% compounded annualised growth.
So, is this just a lucky break?
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 & Industrial Trust, DBS Group Holdings Ltd., ... 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:
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 walk through with you on the strategy to build 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
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:
The Roadmap to a 6-Figure Dividend-Growth Portfolio
5 Viewpoints on Risks
2 Systems Needed to Build & Sustain Your Dividend-Growth Portfolio
5 Criteria of Strong Business Models
How to Assess Stocks' Financials Like a Pro?
Finding Growth Initiatives of a Stock
The Art of Stock Valuation
Portfolio Management: Dealing with Falling Stock Prices
Portfolio Management: Dealing with Rising Stock Prices
Expand, Diversify and Protect Your Portfolio
After completing the Dividend Investing challenge
Can Case Studies Replace Hard Work in Dividend Mastery?
By then, you would have been transformed into a savvy investor who knows how to build and manage a dividend-producing portfolio independently.
But, although you know what and how you need to do to build such a portfolio, 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?’
Can Case Studies Replace Hard Work in Dividend Mastery?
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?’
10-Year Profitability and Balance Sheet Data
10-Year Cash Flow Management Data
10-Year Operating & Segment Data
5-Year Quarterly Results
10-Year Stock Valuation Data
"Dividend Vault is a good online course that taught some of the important parameters to look for when evaluating stocks."
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, its annual and latest 12-month financial performance, its balance sheet strength, and more importantly, its initiatives to grow in the future. This would allow you to effectively identify great stocks with great fundamentals from bad ones which don’t, reducing your chances of incurring losses from bad stocks.
It consists of calculations of its P/E Ratio, P/B Ratio, and Dividend Yields for each stock and a comparison on them against its long-term past valuation ratios. Thus, it enables you to know how 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 could 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 in Singapore.
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 Dividend Vault has made it easier for me to pick stocks because it consists only of stocks that are fundamentally strong. Hence, I only needed to pick my stocks from this smaller pool of stocks. "
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.
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.
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.
First, I'm going to give you a no-questions-asked 30-day money-back guarantee.
If you join this round at whatever price it is, you locked in subscription fee for life. It means you will always be paying the same subscription fees. NO INCREMENT ever. Regardless of how the situation is in the future, we won't raise your subscription fee for any reason.
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...
Here is how you can complete the Dividend Investing Challenge
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 protected].
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 RM500 as your bonus dividend. I'll deposit the money to your bank account.
"The Dividend Vault is really an excellent program!
Since adopted the concepts of Dividend Vault, I have never lose money and my wealth compounded."
"Being a newbie in stock market, and also having lost some money previously when I invested on my own, the Dividend Vault is a good place for newbies to start a portfolio"
"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."
"Dividend Vault is a great online course and the modules are well designed and delivered."
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 RM500 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: Ready 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.
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 RM500 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.
KCLau & Ian Tai
KCLau & Ian Tai
Here are all the things you will be getting
10 Modules of Dividend Vault Stock Training
Instant Access to 50+ High-Quality Dividend-Paying Stocks
Bonus: Full Access to Written Case Studies Updated Regularly
GUARANTEE #1: 30-Days Money Back, No Question Asked
GUARANTEE #2: No Increment on your Subscription Fee ever
GUARANTEE #3: RM500 Bonus Dividend payment if you Complete the Dividend Investing Challenge within the 1st Year
You can cancel anytime
Here Are Your Questions Answered
Nope. These are all exclusive training prepared by Ian Tai just for Dividend Vault members only.
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.
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 protected], 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.
1. Login at https://courses.kclau.com
2. Click on your name or picture in the top-right site header.
3. Select “My Account”
4. Select the “Billing” tab.
5. You can update your credit card info or cancel the subscription there.
6. You will automatically lose access to the content at the end of your billing period.
"The course content has helped guide me on the general process of understanding and determining which stocks are worth obtaining as well as formulating a game plan."
"Dividend Vault course has helped me to build a dividend portfolio through the step by step case studies and the top 50 stocks list albeit a small one."