RM 1 for RM 12.26. Worthy?

Description:
A saving plan to take care of your whole life!

Who should get it?
  1. Parents, for their young children
  2. Self-employed who doesn't have EPF or those who are concern about insufficient of EPF
  3. People who wan to live wealthy especially at old age
  4. Businessman or investor who seek for stable income
  5. Person who have at least basic insurance protection
  6. Teenagers who constantly save money aside
  7. Fixed deposit account holder
What are the benefits? Why 1+1= 5?
  1. Guaranteed 12 years annual saving. You may need to save more in ordinary account for the SAME benefit
  2. Whole life annual income until age 100. Unlikely for FD to do so if capital is withdraw partially.
  3. Financial protection- Free insurance coverage. Bank accounts do not offer such benefit. Cash are not freeze if insured pass away.
  4. Critical illness waiver; The plan run as usual even you are not saving money due to critical illness. Bank accounts do not offer such benefit.
  5. Tax exempted product. Bank accounts are not tax exempted.
How it works?
JUST CONTINUE SAVING AS USUAL AND YOU WILL RECEIVE THE BENEFITS!

Example

  • Mr. Wong, a 30 years old non smoker male is saving for his 1 year old son (Bryan) and his own retirement fund.
  • When Bryan is 18 years old, Mr. Wong requires a total of RM 115k for Bryan's education fund.
  • Mr. Wong at the same time at age 49, will need about RM 13600 annually for him to travel all over the world before 55 and living expenses of RM 13600 for his retirement life after 55 so that he can live comfortably with his remaining EPF.
  • After Mr Wong pass away, Bryan continues to receive an annual income of RM 13600 until Bryan himself pass away at age 100.
  • Elba, daughter of Bryan received RM 1.6 million just because she had a wise grandfather.
  • The total benefit received is RM 115k+ RM 13600*81+ RM 1.6 million= RM 2.81 million!
  • Guess how long Mr. Wong saved?
  • He saved for 12 years ONLY!
  • Guess how much Mr. Wong saved?
  • He saved RM 19098.27 annually! And a total of RM 229179.24 in 12 years time!
  • But what he and his family get is RM 2.81 million!
RM 1 for RM 12.26. Worthy?











Contact me for more information!
012 6778390

赚=存?
















你赚多少,

不重要;

重要的是,

你储蓄多少!

People Don’t Plan to Fail ...Many just Fail to Plan

你为你人生拟定一个财务计划了吗?

当我们拥有了基本的保障,

是时候该计划我们的未来了。。

如果,

你,是不会老的,那就不必担心这个问题吧!

老,

很简单的一个字,

但,

它却代表了我们已经到达了人生的另一个阶段。。

老了的你,

健康也好,不健康也好,

身体一定会衰弱。。因而丧失工作能力。。

单单靠EPF够活吗?

坦白,真的不够。。

(请参考:http://biz.thestar.com.my/news/story.asp?file=/2009/7/15/business/4318886&sec=business )

问一问,

你父母的EPF都花在哪里?

真的所剩无几了!

你想不想退休地那么可怜?

那么老了,还要爬高爬下还是当jaga?

迟一点才打算?

等待, 是要付出代价的。。

比如说, 要在65岁储蓄一笔 RM500k 的退休金 ,

一个30岁的年轻人每年只需要存 RM 5272 (每年5%复利)

但, 一个40岁的在同样的情况, 却需要每年存 RM 9977!!!

那个时候, 你, 只会更辛苦!

所以说,

趁年轻, 赶快规划吧!

因为赚不等于存!

相信积少成多的力量!

改变你的消费习惯, 改变你的人生!

还等什么?

快联络我啊!

012 6778390!

定期与储蓄计划














如果拥有储蓄习惯的你,

尤其是时常把一部分所赚到的钱都存起来的女性们?

通常都会把钱放在银行吧?

希望得到更高的利息,就会选择定期对吗?

然后就开始投资?

为了这一些需求,

很多银行和风险管理公司就推出了一系列的"储蓄计划".

目的:
1. 提高利息
2. 减低风险
3. 保障个人的财务规划
4. 分散投资

储蓄计划基本上有:
1. 保障型- 注重保障
2. 储蓄- 短期 (回筹比较低), 中长期,长期(回筹比较高)

短期储蓄的目的:
1.结婚
2.买屋
3.买车
4.准备一笔钱
5.钱通常都会花在"现在"的需求

中长期/长期储蓄的目的:
1.孩子教育基金
2.孩子的生活费
3.退休金/养老金
4.目的通常都关于"未来"的需求


所以,
我们必须了解我们的需求,才决定我们所需要的财务计划对吗?

Philosophy in Life!












The Mayonnaise Jar

When things in your life seem , almost too much to handle,
When 24 Hours in a day is not enough,
Remember the mayonnaise jar and 2 cups of coffee.

A professor stood before his philosophy class
And had some items in front of him.
When the class began, wordlessly,
He picked up a very large and empty mayonnaise jar
and proceeded to fill it with golf balls.

He then asked the students, if the jar was full.
They agreed that it was.

The professor then picked up a box of pebbles and poured
them into the jar. He shook the jar lightly.
The pebbles rolled into the open Areas between the golf balls.

He then asked the students again if the jar was full. They agreed it was.

The professor next picked up a box of sand and poured it into the jar.
Of course, the sand filled up everything else.
He asked once more if the jar was full. The students responded with a unanimous 'yes.'

The professor then produced two cups of coffee from under the table and poured the entire contents into the jar, effectively
filling the empty space between the sand. The students laughed.

'Now,' said the professor, as the laughter subsided,
'I want you to recognize that this jar represents your life.
The golf balls are the important things - family,
children, health, Friends, and Favorite passions –
Things that if everything else was lost and only they remained, Your life would still be full.

The pebbles are the other things that matter like your job, house, and car.

The sand is everything else --The small stuff.

'If you put the sand into the jar first,' He continued,
'there is no room for the pebbles or the golf balls.
The same goes for life.

If you spend all your time and energy on the small stuff,
You will never have room for the things that are important to you.

So...

Pay attention to the things that are critical to your happiness.
Play With your children.
Take time to get medical checkups.
Take your partner out to dinner.

There will always be time to clean the house and fix the disposal.

'Take care of the golf balls first --
The things that really matter.
Set your priorities. The rest is just sand.'

One of the students raised her hand and inquired what the coffee represented.

The professor smiled.
'I'm glad you asked'.

It just goes to show you that no matter how full your life may seem,
there's always room for a couple of cups of coffee with a friend.'

Please share this with other "Golf Balls"
I just did.......

Insight into Decision Making


A group of children were playing near two railway tracks, one still in use while the other disused.
Only one child played on the disused track, the rest on the operational track.

The train is coming, and you are just beside the track interchange.
You can make the train change its course to the disused track and save most of the kids.
However, that would also mean the lone child playing by the disused track would be sacrificed.
Or would you rather let the train go its way?

Let's take a pause to think what kind of decision we could make........ ........


Scroll down







Most people might choose to divert the course of the train, and sacrifice only one child.
You might think the same way, I guess.
Exactly, to save most of the children at the expense of only one child was rational decision
most people would make, morally and emotionally.
But, have you ever thought that the child choosing to play on the disused track had in fact
made the right decision to play at a safe place?

Nevertheless, he had to be sacrificed because of his ignorant friends who chose to play where the danger was.
This kind of dilemma happens around us everyday.
In the office, community, in politics and especially in a democratic society,
the minority is often sacrificed for the interest of the majority,
no matter how foolish or ignorant the majority are, and how farsighted and knowledgeable the minority are. The child who chose not to play with the rest on the operational track was sidelined.
And in the case he was sacrificed, no one would shed a tear for him.


The great critic Leo Velski Julian who told the story said he would not try to change the course of the train because he believed that the kids playing on the operational track should have known very well that track was still in use, and that they should have run away if they heard the train's sirens..
If the train was diverted, that lone child would definitely die because he never thought the train could come over to that track! Moreover, that track was not in use probably because it was not safe.
If the train was diverted to the track, we could put the lives of all passengers on board at stake!
And in your attempt to save a few kids by sacrificing one child, you might end up sacrificing hundreds of people to save these few kids.

While we are all aware that life is full of tough decisions that need to be made,
we may not realize that hasty decisions may not always be the right one.

'Remember that what's right isn't always popular... and what's popular isn't always right.'

Everybody makes mistakes; that's why they put erasers on pencils.



.

退休


来, 我们来谈一谈“退休”。。

很自然的,我们脑海中,就会想到;“到底我几时才会退休?”

当然越早越好,对不对?

我可以说,你今天就可以退休!

你赞同吗?

当然,你是可以的。只不过你一定要有足够的基金才能退休啊!

Standard的退休年龄是55岁。。

但是,在马来西亚,可能是60-65岁。。

不信?

注意你身边的人好吗?

为什么?

没有钱咯!

你相信那些一把年纪却还做着工的人不想天天吃,喝,玩,乐吗?

当然,他们做工,可能是因为他们的兴趣吧!

但,我就不相信那么多人对jaga,拾铁罐等等有这么浓厚的兴趣咯!

如果你能无忧无虑的话,

退休,本来就是一件快了的事!

然而,很多人都面临退休的问题。。

最主要的是钱不够用!

身体不如从前。。时不时都需要maintanence。。

医药费不便宜哦!

人越老就越不值钱,

不想变足球的话,假装叫你的孩子帮忙看看你的FD/bank book/insurance 有多少个零咯。。

旅游?生活素质降低?

Uncle, 没有钱喔,不用降低生活素质cut cost meh?

有EPF? 不用怕?

够吗?不用急,向政府拿报告来看一看先。。。

看了,你会更着急!

所以,现在所赚到的钱,就是现在+未来的消费。。

把所有的钱都花在现在的消费,辛苦的,唯有未来的你。。

所以,为了有一个美满的退休生活,

今天就为未来的你开始储存吧!

The Gift of Life

On the very first day, God created the cow. He said to the cow, "Today I have created you! As a cow, you must go to the field with the farmer all day long. You will work all day under the sun! I will give you a life span of 50 years."

The cow objected, "What? This kind of a tough life you want me to live for 50 years? Let me have 20 years, and the 30 years I'll give back to you." So God agreed.

On the second day, God created the dog. God said to the dog, "You are supposed to do is to sit all day by the door of your house. Any people that come in, you will have to bark at them! I'll give a life span of 20 years."

The dog objected, "What? All day long to sit by the door? No way! I give you back my other 10 years of life!" So God agreed.

On the third day, God created the monkey. He said to the monkey, "Monkeys have to entertain people. You've got to make them laugh and do monkey tricks. I'll give you 20 years life span."

The monkey objected. "What? Make them laugh? Do monkey faces and tricks? Ten years will do, and the other 10 years I'll give you back." So God agreed.

On the fourth day, God created man and said to him, "Your job is to sleep, eat, and play. You will enjoy very much in your life. All you need to do is to enjoy and do nothing. This kind of life, I'll give you a 20 year life span."

The man objected. "What? Such a good life! Eat, play, sleep, do nothing? Enjoy the best and you expect me to live only for 20 years? No way, man!....Why don't we make a deal? Since the cow gave you back 30 years, and the dog gave you back 10 years and the monkey gave you back 10 years, I will take them from you! That makes my life span 70 years, right?" So God agreed.

AND THAT'S WHY.... In our first 20 years, we eat, sleep, play, enjoy the best and do nothing much. For the next 30 years, we work all day long, suffer and get to support the family. For the next 10 years, we entertain our grandchildren by making monkey faces and monkey tricks. And for the last 10 years, we stay at home, sit by the front door and bark at people!


Pity Huh?!

定期

比如说, 你每一年都会储蓄 rm 20k 在定期 (年息3.7%),
12 年后你停止储蓄, 那你总共储蓄 240k...对吗?
20 年后, 你的储蓄+利息是 :RM 427K (以3.7 % 年息来算)
20 年后, 你每一年都提款 RM 24k, (孩子教育基金,退休费,投资,旅游,生活费etc)
猜猜, 几年后这一笔钱会用完?
猜到吗?
答案是:27年后(也就从储蓄开始的47年, 你的户口会用尽)

想一想:
1. 现在的定期利息是? (有3.7%吗?我用3.7% 是因为,就算真的有3.7%, 我们的产品也绝对比得上3.7%年息!) (事实,现在是2.5% 而已)
2. 定期利息的波动. 定期的利息是一面提高?还是下降?外国的利息是多少?你知道吗?
3. EPF, 真的能support 你终生吗? 看看政府的调查好吗?
4. 年老的你,如果没有钱用,还能做工赚钱吗?
5. 你有多余的钱留给下一代吗?
6. 万一中途,意外身亡,下一代得到的是?你所储蓄的+利息。。值得吗?
7. 无可否认,投资可以赚钱.但是投资其它金融产品,真的那么好赚吗?风险高吗? 投资,最重要需要保本和懂得分散投资。对不对?

Protection? Or Savings? How about Protection + Savings?

Description:
A complete plan to take care of your lifestyle and financial security.

Who should get it?

Anyone who is young and does not have any insurance protection.

What are the benefits?
All in one plan!
Death, total permanent disabilities, critical illness , medical card and saving features!

How it works?
You are covered against death, total permanent disabilities and critical illness. No worries about medical fees with cashless medical card!
Congratulation! You are a lucky guy if you are able to skip those undesired disaster!
But now, you should be old enough to quit your job. And, your EPF will be definitely insufficient to support you! Too bad.
Good news if you have this plan! Because you are able to get back you savings as retirement fund!
Awesome huh?


Example
  • A 25 years old male, non smoker
  • Basic sum assured: RM100k protection on death, total permanent disabilities and critical illness
  • Medical card:
  1. Room and board limit: RM 180
  2. Annual limit: RM 100k
  3. Lifetime limit: RM 300k
  4. No co-insurance! No need to pay for service tax!
  5. Outpatient cancer treatment and kidney dialysis treatment: As charged subjected to Annual limit and Lifetime limit
  • Death claim: RM100k++ + RM 5k funeral expenses
  • Critical illness claim: RM 100k++ + RM 12.5k Extra term coverage
  • Savings
  1. at age 55: RM 100k
  2. at age 65: RM 175k
  3. at age 85: RM 535k
Guess how much do he need to save?

Only RM 7.60 per day!!

Believe it or not! It cost you less than a cup of coffee in any coffee shop available in the town!


More information?
Contact me 012-6778390 ;)

钱,病,死与年老的你


















钱,

每一个人都需要...

年老的你呢?

老,

每一个人都会老..

现在的你呢?

很不幸的, 很多人没发觉, 年老的自己需要更多的钱!

医药费啦,生活费啦,全部都需要钱!

年老的你, 负担得起吗?

储蓄是一种美德...

听起来很不赖..

但是,

有多少个人有储蓄的习惯呢?

储蓄之前,

你又应该有什么基本的条件呢?

保障...对就是保障!

为什么?

当我们辛辛苦苦的钱都化为医药费时, 你甘心吗?

我们都不怕死...

但是, 万一那么不辛, 父母会伤心, 家人也会失去收入, 你对得起他们吗?

更可怜的是, 还没尽孝, 就不辛得到了癌症, 连累父母,家人,你觉得如何?

终日担心医药费, 病情会有好转吗?

思考着?

你可能有你的道理, 人哪有那么容死或中疾病啊!

但你也会老吧!

老人需要生活费吗?

如果拨出薪金的一部分, 就能解决的问题, 是问题吗?

绝对不是!

但是,

如果你所担心的事, 发生了....

对不起, 这是一个问题!

我已经帮不到你了....

但是在什么都没发生之前,我能!

你的人生会由今天起, 有了不同的转变!

尽快联络我!