Fundamental Principles (stockgaroo.com)

“Understand These Six Indicators First — Then Score Them for Better Judgement”

Buying stocks is buying a business.
If you cannot read financial statements, you cannot make sound judgement.

The truth is —
you don’t need dozens of metrics.
You only need to understand these 6 key indicators:

---

1️⃣ G% = Growth

If a company grows,
its share price rises over time.

✔ Growth → Capital gains
✔ Growth → More sustainable dividends

---

2️⃣ DY% = Dividend Yield

A strong dividend usually means the company is profitable.

✔ The company generates real cash
✔ The company rewards shareholders

---

3️⃣ PE = Price / Earnings Ratio

How many years does it take to recover your investment?

✔ 10x PE ≈ 10 years to break even
✔ Too high → Possibly expensive
✔ Too low → Possibly risky

---

4️⃣ NPM% = Net Profit Margin

Is the company truly profitable?

✔ High revenue does not mean profit
✔ High net margin means real earnings

---

5️⃣ ROE% = Return on Equity

How efficiently does the company generate returns for shareholders?

✔ Higher ROE
✔ Better capital efficiency

---

6️⃣ OCF & FCF = Cash Flow

Profits can be manipulated.
Cash flow is much harder to fake.

✔ Positive OCF → Business operations generate cash
✔ Positive FCF → Ability to pay dividends

---

Here’s the problem…

Bursa Malaysia has over 1,000 listed stocks.

Manual calculation?

Slow.
Prone to error.
Opportunities get missed.

---

✅ Stockgaroo Screener & Analyzer

• Automatic calculation
• Instant scoring
• Standardised evaluation
• Clear judgement output

No guessing.
No emotions.
Just systematic investment judgement.

Investing made simpler.

《先看懂这六个指数，然后给予评分，方便判断》

基本面原理（stockgaroo.com）

《先看懂这六个指数，然后给予评分，方便判断》

买股就是买生意。
看不懂财报，就无法做判断。

其实，不必看几十个数据。
看懂这 6 个就够了：

---

1️⃣ G% = Growth（成长率）

公司有成长，
股价长期才会上涨。

✔ 有成长 → 有差价
✔ 有成长 → 股息更稳定

---

2️⃣ DY% = Dividend Yield（股息率）

股息高，代表公司有赚钱。

✔ 公司有现金
✔ 公司愿意回馈股东

---

3️⃣ PE = Price / Earnings（本益比）

多少年可以回本？

✔ 10 倍 PE ≈ 10 年回本
✔ 太高 → 可能贵
✔ 太低 → 可能有问题

---

4️⃣ NPM% = Net Profit Margin（净利率）

公司有没有真正赚钱？

✔ 毛利高不代表赚钱
✔ 净利率高才是真赚钱

---

5️⃣ ROE% = Return on Equity（股东回报率）

公司帮股东赚钱的能力。

✔ ROE 越高
✔ 资本运用效率越好

---

6️⃣ OCF & FCF = 现金流

利润可以做假，现金流很难。

✔ 正 OCF → 生意现金在转
✔ 正 FCF → 有能力分股息

---

问题来了…

Bursa Malaysia 有 1,000+ 只股票。

人工计算？
慢。
容易算错。
更会错过机会。

---

✅ Stockgaroo Screener & Analyzer

• 自动计算
• 即时评分
• 统一标准
• 直接给你判断结果

不用猜。
不用感觉。
用系统做判断。

买股更轻松。

Chapter 1 – Introduction to the world of Digital Courses and Passive Income

Brainstorm what you want to do

What do you love to talk about?

What excites you everyday?

Chapter 2 – Researching Your Course (and Pre-selling It!)

What’s your customer’s problem?

Describe your avatar
1. What is your customer’s pain or problem?
2. What keeps your customer awake at night worrying?
3. What do they stay up at night worrying over? An how does this relate to your course topic?
4. What does your course ideal solve for them?
5. Why do they need your course? What problem are your solving, or what desire are you creating within them?
6. What has happened to trigger them to start searching for a solution to that problem (that you’re solving)?
7. How are they going to find you and the answer to the problem? For example, are they searching on Google, scrolling on social media, such as Instagram, or listening to a podcast.
8. How are you solving that problem better than your competitors?
9. What did they try that didn’t work before they came searching for an alternative solution in your course?
10. What are the benefits to them in buying your product?
11. What are their goals and values? What do they care about (e.g. the environment or if a product is Fairtrade)?
12. What would be their objections to buying your course?
13. Describe your average customer.
14. What does their typical day look like?
15. How much time do they spend online? What is their propensity to learn online?
16. How old are they? The more specific you can be, the better.
17. Are you creating a course for men or women, or both?
18. Do they have children?
19. If they have children, do they live at home – will this be a barrier to them learning, and do you need to talk about this in your marketing?
20. What do they care about? What inspire them?
21. How does your ideal client earn money? Are they in business, and do you need to think about their payday in your marketing?
22. What’s their annual income? Are you wanting to create something for six-figure entrepreneurs or for single parents budgeting the books?
23. What is the person’s ethnicity and religion? Does this even matter for your course?
24. Are they the boss, or do they work for a boss?
25. What are their passions? What motivates them?
26. Does geography matter? do they want to think globally, or is it a course for a specific country with certain legal/taxation implications?