The FATARM Methodology
FA + TA + RM — a 3-pillar value investing system powered by AI, built from 12 years of experience and wisdom from billionaire Asian investors.
The 3 Criteria Gate
Before any stock enters FATARM analysis, it must pass these 3 foundational criteria.
1. Know What You're Buying
The Simplicity Test: Can you explain this business to a friend at the kopitiam? If not, don't buy. Warren Buffett only invests in businesses he understands. Lo Kheng Hong follows the same rule.
2. Buy Growing Companies
Dr. Niwes's Target: 15% annual growth. At this rate, revenue doubles every 5 years. "Good investors cannot sit in ivory towers. They must get down and look."
3. Be Greedy When Others Are Fearful
Warren Buffett's Principle: When the market crashes, your instinct says sell. Value investors say buy. Koon Yew Yin proved this by investing RM200,000 after heart surgery — and grew it to RM200 million.
The 3 Pillars
FATARM = FA (Fundamental Analysis) + TA (Technical Analysis) + RM (Risk Management)
Fundamental Analysis
What it means: Understand the business inside out. How does the company make money? Is it growing? Is the management trustworthy? Are the financials healthy?
Why it matters: 90% of retail investors buy stocks they can't explain. Fundamental analysis ensures you only invest in quality businesses with real value — companies with strong moats, healthy balance sheets, and consistent growth.
How Savwee teaches it: The "Kopitiam Test" — if you can't explain the business over coffee, don't buy it. We teach you to read financial statements, assess competitive advantages, and identify the companies worth holding for years.
Technical Analysis
What it means: Is the current price below the stock's true value? What's the optimal time to buy and sell?
Why it matters: Even a great company is a bad investment if you overpay. Technical analysis helps you find the right entry and exit points so you maximize returns.
How Savwee teaches it: We teach PE ratio analysis, chart reading, price-to-value comparison, and trend identification — not day trading. The goal is to buy undervalued stocks at the right moment.
Risk Management
What it means: How much can you afford to lose? Set rules before buying, not after losing. Protect your capital at all costs.
Why it matters: Survival is more important than profit. One bad investment can wipe out years of gains if you don't manage risk. The best investors aren't the ones who make the most — they're the ones who lose the least.
How Savwee teaches it: We teach position sizing, stop-loss discipline, portfolio allocation, and emotional management based on your personal risk profile.
Powered by AI
We use AI to supercharge every pillar of FATARM — from scanning financial data and identifying undervalued stocks faster, to analyzing chart patterns and managing portfolio risk in real time.
AI doesn't replace your judgment. It amplifies it. You learn the principles, and AI helps you apply them at scale — so you spend less time on research and more time making confident investment decisions.
The 9-Point Checklist
Every stock goes through 9 questions before we decide to buy. 4 questions are answered by data. 5 questions are answered by your judgment. We teach both in the 3-Day Workshop.
Learn the Full Checklist →Frequently Asked Questions
Is FATARM suitable for beginners?
Yes. FATARM is designed for investors at any experience level. It starts with Fundamental Analysis — understanding the business you're investing in. AI tools help simplify the research process so even beginners can analyze stocks confidently.
How long does it take to learn FATARM?
The basics can be learned in the 3-Day Workshop. But mastering it takes 1-3 years of consistent practice — that's why we offer ongoing coaching programs.
Does FATARM work only for the Malaysian market?
No. FATARM is based on universal value investing principles used by Buffett, Lo Kheng Hong, and Dr. Niwes across Asian and global markets.
How does AI fit into FATARM?
AI powers every pillar of FATARM — from scanning financial data for Fundamental Analysis, to identifying chart patterns for Technical Analysis, to monitoring portfolio risk in real time. It amplifies your judgment so you can make better decisions faster.
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