Manage Your Finance Better

26/06/2019

Will you? Or Will you not? Part 1.

Why is estate planning a necessity?
1) it aims to transfer your wealth to your next generation with minimum tax;
2) to prevent
- uncertainties as to who gets what
- assets to be frozen (by law, upon death)
- cash trapped family (especially if you are the sole breadwinner)
- 3rd party abusing or misusing the estate

11/06/2019

03/05/2019

05/01/2019

It's more than just 5% taxable value on a disposed property. Understand it better here to capture reliefs and deductions.

21/12/2018

A recommended read.

https://www.stashaway.sg/r/reviewing-2018-and-anticipating-2019

In 2019, political and trade drama will probably continue to generate short-term noise in the markets but economic trends ultimately determine medium and long-term returns. Long-term investors should continue to focus on macroeconomic data.

13/11/2018

*Announcement*

Archipelago Endowment Wafi Series 5

It is a Family Takaful protection & savings plan designed to help you accumulate funds:

α With a 110% death benefit,
α Aim to protect 100% of the principal ,
α Using Mudharabah model,
α Targeting an attractive 8% - 12% maturity bonus,
α Over a short tenure of 24-months,
α An alternative in US Dollars. Min US$6000

Closing date is 30th November 2018.

30/10/2018

If you have one and only one property and it is your home, and it has a mortgage attached with it, is it an asset (or a liability)?
Well, not all debts are bad. If you are paying mortgage interest lower than any return on investment you own, then it is a mighty great debt. Because you're making profits from money which isn't yours.
Hence, it is an asset if it is put to good use.

Home equity is not something people consider when looking for financing options, but it can prove to be an extremely valuable asset.

07/10/2018

The success of financial services firm Phillip Capital.....

10/09/2018

With news like this, what do you do?
Fear should be the first experience. Then you might just call your remisier first thing tomorrow.
This supposed crisis, if real, is not the first. In fact it is regular to the point of becoming almost predictable.

"During such scary periods, you should never forget two things: First, widespread fear is your friend as an investor, because it serves up bargain purchases. Second, personal fear is your enemy. It will also be unwarranted. Investors who avoid high and unnecessary costs and simply sit for an extended period with a
collection of large, conservatively-financed American businesses will almost certainly do well."

~ Warren Buffett, Berkshire Hathaway 2016 Annual Report.

THE financial crisis affecting developing countries arrived in full-scale fashion in our region last week when the Indonesian economy experienced shocks reminiscent of the Asian crisis 20 years ago.

06/09/2018

The new week opens to a sell out by foreign investors.

*AmBreakfast Note – 06 Sep 2018*

*Market Overview*

The *FBM KLCI* experienced strong selling from foreigners to close below the *1,800* mark after plunging 17 pts or 0.95%. Regional peers posted similar declines as trade jitters and the strengthening USD brought about negative sentiment to emerging markets. With the index retraced to *1,795* and RSI level fell to *51*, the support level is estimated at *1,750*. Decliners outweigh gainers in the broader market as the *FBM Small Cap* fell 1.14% to erase gains in the previous session.

*Asian* equities saw sharp drops across the board amid trade and emerging-market worries. The MSCI Asia Pacific index fell 1.5%, led by declines in the Jakarta index -3.76%, Shanghai composite -1.68% and Hang Seng index -2.61%. *European*’s Stoxx 600 pulled back to close 0.4% lower as uncertainties around trade rattled investors’ confidence. *US* market experienced similar retracement with the *S&P 500* and *Nasdaq* finished 0.3% and 1.2% lower. However, the *Dow* bucked the trend the edge up 22 pts.

_Disclaimer: This message is for information purposes only and is not intended to be distributed to any third party. It does not construe as an offer/a solicitation/a recommendation to buy/sell any stocks. Please consult your own independent adviser(s) before investing in any stocks and no responsibility or liability can be accepted for any loss or damage that may arise from the reliance of this message. The information herein constitutes our findings as of this date and is subject to change without notice._

27/08/2018

Now you can get FD rates (in fact better) and have money disposable to you anytime with no lock-in at all.
Interest is calculated daily and credited on the 30th/31st.
No minimum also.
Now how good is that?

18/08/2018

Win a special invitation to Jacky Cheung’s A CLASSIC TOUR. T&C Apply.

18/09/2017

http://says.com/my/lifestyle/are-millennials-financially-screwed?utm_source=says_mobile&utm_medium=facebook&utm_campaign=mobile_share

If you are in that age group, you will want to read this.

01/09/2017

The face of financial services now.

31/08/2017

Happy 60th Merdeka to all

12/08/2017

Now you can enjoy the returns of global futures hands-free. Managed by 2 very experienced traders with more than 10 years of proven good records. It's only available here; through a very select and few licensed financial advisers. The traders are only accepting a very small capital size before this portal is closed.
My number is listed here. pm for more info.

12/08/2017

The new generation does not think that owning a house gives any sense of security. Looking at the current scenario, they may be smarter than us. It is a great liability.

http://www.freemalaysiatoday.com/category/nation/2017/08/11/when-even-rm9000-a-month-isnt-enough-to-buy-a-house/

National House Buyers Association says properties are unsold because of their 'ridiculous' prices, not the banks' lending criteria, adding that banks should not relax their lending criteria.

31/07/2017

Have you wanted to invest in commodities, derivatives and equity futures but until today you're still only reading and hearing about how this sophisticated investment engine can help leverage to make big profits?
Until now, this investment is mostly dominated by institutional and corporate investors.
There is a possibility now for you to join two very experienced and performance proven traders to participate in this investment. But it's only for a small fund size, so it's a close-ended fund. Its not out in the market. Only for private investors. It's regulated and approved by SCM.
If this interest you, call me quickly.

28/06/2017

Find out what Impact Investing is all about.

Funds seeking a social or environmental return, as well as a profit, now total more than $114 billion.

19/06/2017

Here's an opportunity to diversify your investment portfolio and earn attractive returns. You can choose either to invest in USD or in SGD. These 2 plans closes end of June 2017. We can meet over a cup of coffee to share details. Call me.

07/04/2017

If you are looking to invest your hard earned monies, perhaps it's time to Invest in Malaysia Equities. Well, after 3 years, the BULL may finally be back! Also GE14 is round the corner? We have some updates to share. PM us today!

17/03/2017

Our goal in to be financially free, where our passive income streams exceeds our expenses. So, are you on the right path? We can help you review your plans against this Goal. Just PM us.

07/03/2017

With fears of falling Ringgit, this may be a good option to invest some in USD with upon maturity in 2 years, with . This is with an approved company. This package closes 26 Mar 2017. So, call me, if you are keen.

16/02/2017

Yes, you read right! You can earn on average 3.50% interest per annum, and . The beauty is there's also and you can have (T+1). PM if you are keen. Thank you.

https://abovethemarket.wordpress.com/2017/03/29/how-would-you-like-to-earn-daily-interest/

14/02/2017

One sure way to your and is to save every month. Yes, also to save more money than you ever considered. Do your best to put aside 15%-20% of your income monthly for best results. PM us for plan.

https://abovethemarket.wordpress.com/2017/03/29/how-much-monthly-savings-is-enough/

09/02/2017

Yes, you get #125% back of your contribution, , at Year 10. Here's a good opportunity to invest in USD. Let us provide you more info. PM us.

27/01/2017

Wishing all our clients and friends a Happy Lunar New Year. May you be happy, well and prosperous.

06/01/2017

Yes, the New Year is here! Last year is gone! Like many others, you worked hard for your money. The question is: Did you put any money into Savings?
We certainly hope that you did. These savings, no matter how small is your 'cash flow army', and if invested well, will continue to grow for you.
But, if you have not, it's not too late to Start. We offer you a way to start your savings immediately. Call us today.