Anak oh Anak…

Anak oh Anak !

Anak adalah anugerah dan rezki kepada sesebuah keluarga. Oleh itu pepatah melayu banyak menyifatkan “anak anugerah tak ternilai dari illahi” or anak itu ibarat asset.

As with most asset, they comprise investments. And […]

Retirement Planning “Sendiri Mau Ingat”

Many of us desire and dream of a comfortable retirement. Plenty of golfing, holidays abroad, beautiful house, comfortable ride, good health and time for masjid and religious as well as charitable activities. We know that money shrinks over time. We know if we retire at age 60, we must plan latest 20 years before (ie. Age 40). God willing, mortality rate of Malaysian averages age 80. We also know that upon retirement, we may need more for medical cost and supplements to slowdown the wear and tear, and perhaps slowdown the aging process.

So, sendiri mau ingat la…

Knowing is one thing, doing is something else. So, lets take a big step in the right direction. Start your plan now. And realize this, the market size of PRS is forecasted to grow from zero to RM30.9 billion in 10 years and RM73 billion by year 2020 [as at 31 March 2012 E*F funds RM488.5 billion, asset under fund management Rm435.36 billion]. Huge, huge market !

Recently, our PM has launched the Private Retirement Scheme (PRS), giving retirement planning in Malaysia a big jolt. With almost daily media attention and advertisements, 8 selected providers should launch the PRS pretty soon. The selected 8 are :

1. AmInvestment Management Sdn Bhd

2. American International Assurance Bhd

3. CIMB­Principal Asset Management Bhd

4. Hwang Investment Management Bhd

5. ING Funds Bhd

6. Manulife Unit Trust Bhd

7. Public Mutual Bhd

8. RHB Investment Management Sdn Bhd.

[Unit Trust Consultants and Insurance agents from other than the 8 providers above are welcome to contact us to be our licensed PRS Consultant. So, don’t loose out on this huge opportunity]

PRS as defined by Securities Commision (SC) :

“A private retirement scheme (PRS) is a voluntary long­term investment scheme designed to help individuals accumulate savings for retirement. It complements the mandatory contributions made to E*F.

Each PRS will include a range of retirement funds that individuals may choose to invest in based on their own retirement needs, goals and risk appetite. The fund options under a PRS must be consistent with the objective of building savings for retirement and ensure that there is a prudent spread of risk.”


Remember E*F – is Compulsory Provident Fund (CPF)

PRS and CPF – Snapshot :


Why we must be RICH


Do we need to be RICH ? Do we need a LOT OF MONEY ?
Or do we actually need ENOUGH berkat-money ?
What is “a lot” if punca or means of getting the money penuh penipuan, rasuah, back-stabbing, exploitation and taking advantage of others. What is “a lot” if we have “a lot” of money but not enough time for our loved ones ?
So, do we actually not need “a lot” or do we need “enough” ?
[Why SOME prominent corporate and political figures resort to playing-money-game for their career success ? Adakah sebenarnya these people do not have a goal ? They may have objective - to be rich but not clearly defined. Otherwise bila dah dapat RM10m, or maybe RM100m they will stop their quest. Its because the goal is not clearly defined - S.M.A.R.T (specific, measurable, achievable, r......, timeline) thus they don't know where to stop ! Gerrrrrram....]
Would enough+berkat wealth be more valuable than a-lot-of-money coming from questionable sources ?
Talking about valuable or “WORTH” – its placing value, nikmat and benefit beyond a price tag. Ask ourselves, are we beyond price tag ? Are we worth it ?
Ramai equate kekayaan to RM, USD – all monetary equivalent. It could also be in assets (hopefully at manageable debt or liability levels). It could also be in non-aseet or non-monetary form, tetapi able to generate future stream of cashflow. And many acknowledge that there is a priceless value in knowledge. Some place value to “time”, yes “masa itu emas”. Familiar ?
My point is, no one knows what is value or what is wealth sebenarnya. Sebabnya definition of wealth differs from one another. Its driven by one’s life values, their level of thinking and maturity and definitely one’s life experiences, good or bad. Perhaps a better definition to “kekayaan” and “value” and “kaya” – apa yang kita tak ada sekarang tetapi kita perlu or mahu sangat-sangat [perlu - is mesti ada or necessary, mahu - is wants but not necessary].
Ada orang “dahaga kasih saying” or miskin kasih saying tapi kaya-raya dengan duit berjuta-juta dok diam kat bank, ASB, rantai-gelang emas and kereta Rolls Royce, “Bufori, Ferari, Masserati” (BFM 89.9) yang tersusun cantik, kilat, so under utilized. And ada yang “meleleh air liur” tengok kereta BMW 645 warna hitam, rumah bungalow RM6m (siap ada lift and swimming pool) and isteri orang lain yang cantik, sexy dan “muda”. Tak kurang pulak yang envy tengok family yang anak 10, happy and loving (maybe duit tak berapa banyak). Yang lain envy tengok orang lain sihat, hidup active and travel sana-sini, living life to the fullest !
So, I ask you again “What is KAYA” ?

Bulls, Bears, Monkeys and You !


Salam kembali.

Lama saya tak mem-blog. Been away and been busy. Am happy that many from J-CHI group of consultants rewarded with FREE CUTI – to Los Angeles, Tokyo and Guangzhou in May 2012. Keep up the awesome good work ! So, siapa nak pergi CUTI PERCUMA overseas, contact saya 017-3104171. Let’s make good money and get FREE Holidays at the same time. Lain-lain benefit – kerja flexible time, kerja less than 8 hours a day, pay less tax/cukai berbanding pekerjaan makan gaji and satisfaction guaranteed !

If last month I wrote “Kalau harga turun, camne ye…” this time “Kalau harga naik camne ye…?”. Ha ha ha Yes ! Tuan-tuan dan puan-puan sekelian market naik over pass sebulan and now consultants and investors gelabah sebab liat nak invest last month. Itulah lumrah hidup – turun naik cam roda. Life is like a box of chocolate or its a durian’s life.

View the chart above – nampak tak betapa menariknye KLCI Index kite ? Ya, dah bermain-main di sekitar 1600. Ada yang menjangka boleh pergi 1700 by year end, ada juga yang rasa tak boleh bertahan dan akan ada correction (turun) maybe ke 1580, 1550 and maybe 1530. Well, who’s to know. My strategies for investors and sekian lama in Unit Trust industry are as follows :

1. Buy low, sell high

2. Buy high, sell higher

3. High Tech – High Touch – not one strategy sesuai for all investors – strategies are applied on case to case basis

Saya kurang speculate or time the investment (purchase) but saya refer to stock market charts and jenguk-jenguk market sentiment bila nak sell. Sebab perlu buat Dollar Cost Average sokmo, but bila nak ambil profit, kita kena pantau-pantau.

Cara mana nak ambil profit ni ?


Kalau harga turun, camne ye ?

Soalan : “Kalau selepas saya invest, harga turun, macam mana ?”

Pilihan jawapan :

A. Tau, takpe… (jawapan orang yang tak suka pelaburan unit trust)

B. Hmmm, tu lah… (jawapan orang yang neutral tentang pelaburan unit trust)

C. Tak tahu… (jawapan orang yang blur tentang unit trust)

D. Selain dari A, B dan C…. (jawapan-jawapan rasional dan benar supaya pelabur faham dan mengaut untung jangkamasa sederhana ke panjang)

Recently, saya ditanya soalan  “how to answer when investors delay making their unit trust investment, due to fear of price decline ?”.