Unless you fail to stick to the plan!

What does Nutritionist and and Financial Planner have i common?

They don’t build pyramid like people use to do during ancient times, but they utilise the concept of pyramid when when it comes to planning for food intake or managing your hard earn money.




This is my Step by Step when doing a plan for my client.

i usually don’t straightaway sell them any financial products. in fact i will go through with the client level by level base on the financial model.

The rule is you don’t jump level.


Level 1:

Cash Flow planning is how you manage your income and expenses. i also call this budgeting. if you a tech savvy and you wanna keep track of your income and exposes to the core, there are tons of budgeting apps you can download.


money wiz


I’m using  moneywiz apps . Just like any budget apps on the market, you can key in your spending on the go, but thats not the main reasons i buy this. The best features is you can link it to you Maybank or CIMB bank. which means, you don’t have to login to your maybank or CIMB acc to check your bank balance. they apps will show you ur current bank balance.

Emergency Fund: this is very important. i call this rainy day funds. you don’t know when the rain gonna come, so you prepare an umbrella in your car just in case.

some goes to your wallet, you never know when you car is breaking down, when you need to repair your gate, clinic bill, or when you get fired from you job? etc..you need the buffer for the unexpected.

Rule of thumb, you need at least 3 months to 6 months of buffer. thats minimum.


Level 2: This part It all about Insurance protection.

Income protection: Do you have a beautiful spouse with lovely children’s and they depend on your income?

What if you are no longer in the the picture (Death)? or worst still you become disable and unable to work for life? who are going to take care of them?

in this stage, you need to make sure you buy enough life insurance (term or whole life) to make sure in the event of death or disability, the insurance payout can sustain your family yearly expenses for at least 10 years.


Health Protection:

medical bill is not cheap. if you want to become your own insurance company by all means just go ahead, but im stingy, i don’t want to use my to pay for the medical fee.

get yourself a medical card, what you should aware of when buying a medical card?

  1. how much is the annual limit?
  2. how much is the lifetime limit?
  3. Room & Board?
  4. cancer treatment limit per year?
  5. kidney dialysis treatment per year?
  6. is outpatient cover?
  7. if the medical card co-insurance, co-payment? or deductible?
  8. is it standalone or under attached to a plan?
  9. list of Penal Hospital

Debt Protection:

i believe majority of us have debt, student loan, car loan, house loan, credit card, personal loan etc… you need to make sure this debt will be taken care of when you are no longer with your family, or when you are unable to generate income.

you don’t wanna burden your family with all the debts right?? – Please let insurance to do their job for you.


Level 3

Retirement Planning. if you think you are just 25 years old and said retirement is too far away, think agin. lets look at some data provided by HSBC.



my 1st rule of thumb is, save at least, MINIMUM 10% of your income. invest wisely, and find a financial planner who can help you to optimise your portfolio return.

my 2nd rule of thumb is, the earlier you save, the less stressful you will be when you reaching your retirement. Lets look at an illustration below.


bruno and fredo


see the difference? if you start earlier, you will have a better heads up for compounding effect to work on your saving. The bottom line is, start early,


Children Education:

i wrote an article about children education. Please feel free to read this through. how you should plan for your children education its not how your insurance agent should plan it for you.



level 4:

there are a whole section in book store talk about this topic. but sadly only less then 20% of us will spend the time to read a book about investment.

investment can be a very board subject. i am no expert on all those subject. investments can as simple as ASB, to very complex form of warrant and stock, it also can be as liquid as forex to as hard as precious metals. not to mention residential property and antique paintings.

so for me. regardless of what you invest in you need to monitor your total ” return on Nett Worth” in your portfolio, not ROI (return on investment) on your single invesments.

ok its kind of confusing,, let me elaborate.


  1.   RM200K invested in Fixed Deposite with 4% return p.a —-> this is call ROI.

TOTAL portfolio return 4%


2.    RM100K invested in UT with 8% return p.a

RM100K invested in Fixed deposit 4% return.

 TOTAL portfolio return 6%


3.   RM100K in UT 8% return p.a

RM75K in structure fund 10% p.a

RM25K in Fixed D 4% p.a

TOTAL portfolio return 8.25%


you must be wondering how the portfolio return will effect your investment?

simple, the higher the portfolio return the better it is for you. The table below explain everything.



last but not least

level 5: will & Trust.

This is the part where you distribute your assets- cash, investment , property , lands, shop lots, donation, etc to your next generation according to you desire. So Please attach to a professional will writer. that will advice and plan you wealth distribution when you are no longer with you love one.



DO NOT, DO NOT SKIP LEVEL, all the level in the financial model. it is design in such a way that you must put attention energy and focus on the base of the pyramid and and work your way up to financial security and eventually to achieve your financial freedom and peace of mind.


i hope you enjoy this article and if you do please like my FB page for more updates.

thanks and god bless.


dear readers,

im so sorry for my absence since my last post. My schedule was really packed and i hardly got a time to properly sit down, reads some books and plan for my next article. Its only until recently i got few client asking me about how to read charts and their investment statements. in this article i am just going to share about chart reading for beginners.

zeno sunsetbar

lets get started. i got approximately 30 minutes to finish this post, i hope this can be very useful for those with Zero knowledge in chart reading.

P/s: i am not going to get very technical with indicator, chart patten, Fibonacci etc. its plain simple even a baby can understand and memorise it.

Baby Step 1 : An introduction to the Jungle.

in the beginning there are only price and time.

2/1/2014 0.7682
3/1/2014 0.7684
6/1/2014 0.7741
7/1/2014 0.7766
8/1/2014 0.7839
9/1/2014 0.7819
10/1/2014 0.7853

If you crunch this number everyday, i sure you life-span will be reduce by half. What i show above are only data for 7 days. imagine if there are hundred or even thousand of day of data. i can’t sit in front of computer and look for clue in the price when to enter and when to lock my profit base on numbers only. i need pictures. There is a saying, a pictures says a thousands words. i agree.

if i took those date and put compute a line chart on my excel file, you will see something like this,

FL 1-2

to read the chart above you need to know

  1. the price (green circle)- price move everyday so does your investments value
  2. you need to know the date (red circle).

FL 2-1


what can you tell me about the data pointed by red arrow?

If you pull a horizontal line to the left, and you will get RM 0.91

Then you pull a vertical line to the bottom and you will find the date was on 22 of september 2014.

easy right?? so it means that the unit price for this fund is Eastspring Investments My-Focus is RM 0.91/unit on 22/9/2014.

Next Question. Where is the lowest price in the chart?

yes correct! 28/1/2014.

where is the highest price in the chart?

again you are right, 22/9/2015 & 22/4/2015.

in my next article i will explain on the price support and price resistance line. This simple strategy is really powerful for you to cash in more money from the fund by just looking at the line on the chart.

Not only that it cal also help you to avoid loses in your investment by lock in profit early.

lets move on…

What if…

FL 3-1

what if you invested a lump sum of RM 10,000 at the beginning of year 2014 Marked by point “A” and you keep invested until the end of the year 2014 Marked by “B” without doing anything except sitting on the beach and enjoy sun sets everyday.

Your RM10,000 will become RM10,630. a 6.3% gain. you probably will said the return is unattractive. you can do better in ASB.

but there is more! lets move on.

Investor call this the passive income!

my focus distribution

look at the picture above, the circle part. it show that this fund declare RM 0.0461 for each units you buy.

how many units you have buy with RM10,000?

-your capital / the unit price you buy (marked by “A”)

RM10,000 / RM0.7682

= 13,017 units. (assuming there are no more charges)

to know how much dividend you get 

-no of units X dividend payout ( red arrow)

13,017 X 0.0461

= RM600.

so you total return is RM630 + RM600 = RM1230.

In one year, your RM10,000 invested will become RM11,230. = 12.3% of gain!!! this is good compare with most investment.

just for your information. for year 2014, Bursa Malaysia suffer a loss of -5.66% while this fund giving you 12.3%!

But wait. there are still more!. i am going to show you the real deal. I call this “my investor blueprint”

My investor Blueprint – The art of locking up profit before the market takes it away. 

FL 4

base on my “BluePrint” i would suggest my investor to lock in profit and switch to other guarantee fund on 15/september/2014. if you follow that advise you would have lock in a total of 18.13%. (not including divided payout).

if you add dividend payout, your total return from january until september ( 9 months! ) will be 24.41%.

RM10,000 x 24.41% = RM2,241.

when do you enter again? i let you know in my next article.

by the time i finished this, it actually took me 3 days to finish this article. although tis only 700++ words, but the details presented i need to make sure its 100% accurate and reliable.

so thank you and have a great weekend. god bless.

if an issuance agent propose you with a saving plan that give you a guarantee 19% p.a Run like Hell.


Recently while I’m having a coffee at my friend cafe ratatouille at Warisan Square, i was bother by an insurance agent from a very famous company. Its not the looks that bothers me but its the sales pitch that make me wanna laugh out my lungs.
” sir, our saving plan guarantee yearly payout or 19% p.a”
its either the insurance agent don’t know how to calculate or being brainwash by their leader to misled prospect so that they can make an easy sales.
im not against any insurance company or any insurance saving plan here. i myself is a license under such institution to give advice and sell those plans.
i will give give you a simple illustration base on projection generated from my system.
Assuming a Peter age next birthday 31. non smoking. work as F&B manager (class 2).
Buy putting aside RM300/month for 30 years by buying an insurance saving plan. here is what the projection looks like.
There are two parts to this projection.
Part 1: the Guarantee part. Peter will get a guaranteed payout of RM 2736 every two years.
prucash guarantee part
Looks cool right?
Here is the problem. a lots of agents use this table to misled prospect by saying
” sir, you see, buy putting aside RM3,600 the first year and RM3,600 the 2nd year, you are guarantee to get RMRM2,736. that’s a 19% return p.a.!
how did they came out with such return?
first year RM3600 + 2nd year Rm3600 = total investment RM7,200.
Guarantee return on 2nd year RM2,736
Return on investment (ROI) (RM2,736/7,200)x100 = 38% for 2 years.
ROI per year 38%/2 = 19%
is this acceptable? TOTALLY not!
you pay out RM3600 per year. in 30 years years you would have pay out a total of RM 108,000.
you received guarantee payment of RM2,736 every 2 years. that makes a total of RM 38,304.
looks not right. there is something wrong right?
well you need to look at the 2nd part of the projection.
Part 2: The non guarantee part.
prucash non guarantee part
the non guarantee part is the amount Peter cannot touch/withdraw. Peter can only withdraw when the plan mature after 30 years at the age of 61.
how much can he get? there is not guarantee in this part. but base on projection under the surrender value, there are 2 scenario. A & B. peter can expect the return between the range. The return in not guarantee because it depends on the company actual investment result.
ok now we have complete data. lets do a simple calculation how much is the actual return base.
payment RM300/month.
term 30 years.
total return RM 38,304(guarantee) + RM123,154(non guarantee) = RM 161,458.
compounded return p.a = 2.53% 
                                                                                   Taa Daa!!!!
now Peter know the agent is lying to you!
it give you close to Fixed deposit rate of return.
the same amount of money if put in a fixed deposit yearly you will get a guarantee return of RM 171,271 projected at 3% p.a
Some insurance agent will argue with me.
1) insurance saving plan come with death benefit.
2) insurance saving plan have this rider call payor/waiver (when peter is diagnose with critical illness he will never need to pay for the premium anymore but will continue to receive the guarantee bonus every 2 years and the non guarantee return upon maturity.)
i will adress this two issue in my next article. why you don’t even need those features mention above.
and also 1 reasons why one should get the insurance saving plan.
remember if you meet someone selling you an insurance plan promising 19% p.a, run like hell and knock you head on the nearby wall. Probably there is a higher chance the insurance agent will sell you accidental coverage rather then the saving plan. kidding 🙂
happy ready and have a blessed weekend.

one evening while I’m doing my favourite sport (freeletics) someone call me to ask for my opinion about a scenario.

but why this iPhone 6 is here? read until the end and you can buy lots and lots of this.


here is the scenario.

Client A.

age 25, Engineer non-smoking with annual income of RM78K. This Client have good knowledge in investment especially unit trust. Invested RM10,000 lump-sump in UT at the age of 19 and never touch the money. Client is the only son in the family and have 1 depended which is his non-working mom. Few days ago he was approach by a financial consultant somewhere around KK i guess? and the consultant suggested him to take RM400K of additional critical illness coverage.

the reason is very simple. The RM400K will replace the client income for at least 5 years should he diagnose with critical illness and unable to generate income. He don’t want to burden his mom ( i love this kind of client-responsible).

Here’s the math. RM400K / 78K = 5.12 years.

Now his 2nd concern.

He currently work as freelance in a local company. He can foresee another 3 years of contract with the same company. After the contract he is afraid wether the company will renew his contract. worst come to worst he will have to find a job with a lower pay. if this happen he will have to cut on expenses. insurance will be the last thing in mind.

3rd concern

Client wish to withdraw a sum of money on year 10 for investment purpose without effecting the insurance coverage.

here the story goes. Today he meet an insurance agent. The agent propose him with Option 1.

The client have RM1200++ for the agent to work out a plan for him. Please refer to option 1 in the table below.

The agent said by taking this plan he will need to pay around RM1200++/month for 10 years. by year 10, client can withdraw RM77k for investment purpose.

This is what i think.

There are 2 shortfall from option 1

1) The monthly premium is a bit high. since client job is not secure for the next 10 years if will be a burden for him to pay for such premium.

2) There is an opportunity cost for him for the first 10 years. since most of the money are tied up to pay for the policy. 10 years is very long. one can turn RM500/month into RM96K at compounded rate of 9%p.a since client have better investment knowledge earning 9% p.a is not a problem. and most good funds out there can perform better then 9%.

btw i did 8% in less then a month. opps. 🙂

-most insurance calculation for the policy cash value for the first 20 is 9% p.a

PLM option 1 option 2

This is my suggestion. Option 2.

1) try to take the longer payment term. – you will pay lesser in premium.

2) Client can use the balance of the non insurance money to start invest early (since he well equip with investment knowledge)

3) He can stop paying the insurance at year 10. from year 11 to year 30 he can use the dividend from his portfolio to fund for the annual premium.

4) in the end option 2 will have the highest return ( in term of realise capital) while giving the same protection over the years.

5) Opportunity cost – A staggering RM300K. If client can get 10% return he will have an extra of RM592,483.20. Thats a lot when your money work a little hard for you. Maybe you can buy 189 pieces of iPhone 6 plus with that much money.

hope you find this article useful in planning your finance. Please feel free to subscribe to my mailing list.

“How many millionaires do you know who have become wealthy by investing in savings accounts?”- Robert G Allen

Congratulations. you are consider to be among the top 20% of people that understand the important of securing your long term financial freedom through investment. And once again thank you for trusting us with you money.

Below are few steps you need to take to set up your online personalise investment account.

* Please make sure you have your Account no before you proceed with step 1.

Step 1:

login to https://www.eastspringinvestments.com.my

this will bring you to our website.

step 2:

Click on the MY e-account. You can find this on the top right of the website.

my e account

Step 3: 

Click register for new user

register new user

Step 4:

Click on the “Investor” tab

step 3

Step 5:

Key In your account no and also your IC no and submit. Once you click submit make sure the e-mail address shown is correct.

step 4

Step 6:

your username and password will be sent to your email address.

Enter your username and password to access your investment account.

register new user

once you login you will see something like this.

fund portfolio

i hope you find this steps useful.

happy investing.

Yes the you heard me right. 7.27% in 16 days. i would have make 9% or more if its not due to the late processing or my order. for more detail please click on the picture below for illustration.

china index

here is the transaction i made.


here is my portfolio


as you see a above there profit in % is 5.23% that is exclude the fee i paid when made the investment earlier on.

there are ways how you can optimise you money in a more efficient ways with minimum effort and minimum risk.

knowing when to enter and when to take profit is crucial and it comes with years of learning and refinement.

well i guess this is my post with the least words. but it serve the purpose.

take care and have fun.

Do you need endowment plan for your children education?

i will reveal to you an alternative of funding your children education in a more optimise way and show you a real case study.

how is this for an opening line?



I often bump into client ask me to propose them an education plan for their children, but when i ask how much they need- they have no idea.

if they cant even answer this simple question, there are doom to be lure in to deep well of financial plan confusion. Once they get in, it is costly to get out.

to overcome this i have few rules to help you making a sound decision for your children education plan.


RULE 1: KNOW YOUR NUMBER!. how much your child need for education. Knowing the first rule is not enough because it only solve the first half of the equation.


RULE 2: KNOW YOUR COMPOUND ANNUAL ROI (return on investment). Knowing this two rules will help you better filter our most of the plan proposed by many agents and financial advisors thus avoid being fall into financial pit.



financial pit


RULE 3: ALWAYS THINK PLAN B. The journey is not always smooth. If you go sailing into a big ocean, no matter how good you are as a swimmer, you still need a life jacket.


ok enough with the theory. lets get started with a case study because i don’t want to bored you with the theory that sound nice on the book buy cannot be apply in real life.

A client of mine approached me 2 months ago asking me to came out with a education plan for her children.

Client name: Dayang Rosmah. (Single mother)

Age: 36

Annual Income: RM37,000

Son 1: Faizal age 6.

Daughter 1: Dayang Aisyah age 3.

Needs: To provide RM50,000 for each Children when they reach 18 years old to further their study in any local university.

* base on the interview conducted the client only afford to contribute a total of RM400/month for both children education

** Family already have adequate medical coverage.


The table below shown Advisor 1 that propose a 20 years endowment plan while Advisor 2 propose an Optimum money management plan.


endowment plan vs OMM

As you can see Advisor 2 propose a better education plan base on total return after 18 years.

Most insurance advisor will argue that Endowment plan provide Death coverage for the children.

My point will be, why should any Mother want a life coverage for the children in the first place? are the children the bread winner for the family? NO! you are, you should cover yourself first!

Then some will argue that endowment plan comes with parent waiver should anything happen to the parent, Death etc.. the plan will continue to run and the education fund will grow.

Well this is a great features attached in the plan, but what if i have the mother to cover with RM100K of life at the first day with her existing insurance coverage?

if the parent died at year 5 for example, the RM100K will pay out and put in the Optimize money management account, When the first son reach 18 years old the account would have grow to RM250,000.


if you asked me which advisor are you? i will say which financial plan suit you the most. If you want to plan for your children education remember the first three rules.


have a great weekend.


One fine day you woke up. The digital clock on the table show that it is 7am, 17/8/2014 and you got lots of stuff running in your mind.

Suddenly your phone ring, it is the reminder you had set earlier to remind that your credit card payment is due.

You login into your bank account to make the credit card payment. To your surprise your saving account balance left with RM538.42. You have another 7 days to go before you received your next paycheck

what happen?


You have a decent paying job that pays you RM4000/month as an engineer.
You have no idea where all the money went to.
Your budget is all over the place.

You know the need to save money and you have this urgent feeling that you need to do it now. You know the need for a good retirement planning. And you also want to save money for a brand new house, and maybe a holiday trip to cape town sometime in the future.

You called your friend Sam a financial advisor and ask him to help your with your budget planning. After reviewing your financial situation Sam then present you with the following account to choose from.

ACCOUNT 1: 4% per year. Withdrawal can only be made once a year.
ACCOUNT 2: 8% per year. Flexible withdrawal.
ACCOUNT 3: 0% Money can only be withdraw at the end of year 10.

Here is the golden questions.

Among the 3 accounts, which one will you choose to save your money?

question 2:
Which account do you think will have the most money by the end of year 10?

i bet most people will choose account no:2 which has the highest rate of return.

in fact this same question was asked to 100 audience in a financial seminar, almost 90% will answer account 2. while the rest of 9% will choose account no:1. only 1 person out of 100 audience will answer account 3 which to me is wired at the beginning.

What i am going to reveal to you today might surprise you. People in the older generation use this “account” for decades and this “account” give them the most money.

Back to the 80/20 rule.
80% of people know this “account” but only 20% of the people put their money in

This “account” is never tough in school. Even in the universities and student graduate in the field of account or finance.


in most country it is legal. it is time tested over the century to be the most effective system.

Most parents do not teach this to their children because they don’t own this account.

i may call this the hidden account in personal finance where most people take it for granted.

so tell me what what is the account? what is so great about this account?

well the “account” i mention found in the question above. it is account no:3.

it is the account with 0% interest and you have to lock in the money for 10 years or more.

in layman term its call the “FORCED SAVING ACCOUNT”

Most people will be surprise. it’t human nature, 80% of most saver will tend to take out their saving from time to time and fail their goal.

we take out our money for so many reasons, some are necessary reasons, some are not.

i don’t care what is the rate of return, be it 8% 10% 15% or even 25% per year, as long as you don’t do regular saving and you are allow to access to your account anytime you wish, you will never going to achieve the desired outcome.

let me show your why.

The table below show a normal saving pattern of someone putting aside RM100/month into a saving account earning 8% interest per year.

you will also notice that over the period of 10 years there are few withdrawal from the account.


normal saving pattern


lets compare it with the the “secret account” the forced saving account.

forced saving pattern

Account 1: 2014 december balance RM7,534.80 at the end of year 10.

Account 2: 2014 december balance RM12,000 at the end of year 10.

you will find out the even with 0% interest rate, a force saving account will end up with more money.

why? simply because the earlier account, you can withdraw money as often as you like unlike the “forced saving” account you cannot withdraw it for a certain period of time.

The forced saving account appear in many different form. We might came across it during our childhood, but as we grow older we tend to forget about it.

$_35 blogger-image-807463141

Where can i start with this forced saving aka the “secret account” that will make any dumb person become wealthy?

i will reveal in my next article further on the secret account. where to find such “account” in Malaysia.

Not only that. i will review how this “account” with a bit of twig will become new hybrid “account” that can enhance your return to the max without worrying about what’s going to happen in the future.

stay tune and have a great week ahead.




you will regret if you don’t read the entire article!




How was the idea come about?

This idea was made popular by two financial guru in the united states Dave Ramsey and Suze Orman. They often ask people to buy the cheap term life insurance instead of the expensive whole life insurance and invest the rest of the money in equity market to get a higher return on investment.

in this article i would like to make my stand why such idea is not necessary true.


how it works?

here is a situation for you guys to look for

Mr John is a 25 years old teacher, He got a wife and 1 daughter to take care of. At the moment he only can fork out RM3700/ year for insurance purpose. He also need a health insurance. Two Insurance Agent approach him and present the following proposal.


  • Agent A from XXX company. (by implementing the philosophy of but term and invest the difference)

Death Benefit: RM130,000 ———-> cost per month RM40

Standalone Medical card: RM100,000 ———–> cost per year RM56

Total monthly Premium RM96

*no cash value at the end of policy term

The agent also encourage the client to invest the rest of the money in unit trust.


  • Agent B from Prudential Propose him a universal life 

Death Benefit: RM130,000

Medical Card: RM75,000

Total monthly Premium RM301.00

* comes with cash value


by looking into both scenario most people will go for Agent A.

1) The first proposal is cheaper by 68%. A whooping difference of RM205/month

2) The client can use the difference (in this case RM205) to invest in somewhere else for higher return.


Theoretically this sound like a wise idea. But lets do a detail analysis.


term life vs whole life


This is a spreadsheet i created to show the actual projection over the lifespan of Mr John.

Here are 7 important points i would like to highlight why the theory buy term and invest the difference is not the best choice one should make.


term vs wholelife the 7 points


some people will ask why proposal 1 even with 7% rate of return but the cash return is less then proposal 2?

The answer is this. Starting from age 66 until age 70 the cost of the medical card (column F red box) is higher then the annual budget (column A) so in order to renew his medical card he need to take out some cash form his investment thus resulting less return.


one last thing. do yo believe by investing the difference in the stock market or unit trust can always give you a positive return? Think about it.

But for Prudential Universal life insurance the return is always positive. you can enjoy while the market going up with no downside risk! 


it is not that I’m against stock market or unit trust, i do put aside part of my money in stock and unit trust, just that for this case study i would highly recommended getting whole life instead of term insurance or any standalone medical product.


if you still thinking of NOT buying a whole life universal insurance policy, you must be out of your mind. i am sorry but i have to say that.


Please leave me a massage should yo need any assistance i will get back to your shortly.




But most people do not understand it. 

i am not talking about critical illness, health insurance, or even personal accident. i want to emphasise why life insurance. and why now.

most people buy life insurance because they care deeply about someone or something. Its either because they want to  or because the owe someone (loans…)




the purpose of life insurance is to provide cash for your family, you business or yourself. It help you to create wealth when you don’t have time to do so. It also help you to protect your estate from the legal fee during the distribution process to your beneficiaries. 





when you die, two things will happen,

i) there will be emotional loss felt by those you leave behind.

ii) economy loss.

if your death will create economy loss for your family, your estate, your business, your community, your church or temple or mosque, your college, your school or your favorite charity, you probably need some more life insurance





life insurance is money. it is cash. it is a way to create wealth for your family, or your business. it is also a way to accumulate cash for your own future. (retirement fund). 








During your lifetime, there will probably be times when you need cash cushion be if for emergency purposes, or during time when business opportunity came, and you can’t get a loan form a bank, your can trust your “Private banking” which is the life insurance. 





if you are age 30, you can purchase RM1,000,000 of life insurance for RM21,360 / year. In 30 years, at the age of 60, you would have paid RM640,800.

Base on current assumptions, the cash value would be about RM1,319,666. and the death benefit would have grown from RM1,000,000 to RM1,500,000.

if you would have put the RM21,360 per year for 30 years into a 4% interest vehicle, you would have RM1,197,974 and have no life insurance. 

once people start to understand the numbers, life insurance start to make a lot more sense. 





Term insurance costs a lot less, but you have to die to win. Base on statistic, out of 100 policy, only less then 1% of the people claim from term insurance. Do you want to gamble with you life?. Cash value puts the life into life insurance.






Assets allocation and diversification. Most people agree that it makes sense to diversify.  Do not put all your eggs in one baskets. 

life insurance should be part of the defensive portion of a diversify portfolio. if you portfolio consist of real estate, stock, bonds, and cash, why not put 1% or 2% of your total portfolio into life insurance each year?




let say you are worth RM10,000,000. Moving 1% per year, RM100,000 would enable you to create another RM5,000,000 to RM10,000,000 of additional wealth. 







ask them if they are going to provide additional money for your spouse, children, or grandchildren.





when you die, your family and your business will probably need some money. Why not create a standby line of credit whereby they will receive RM1 million when you die? all you have to pay is 2% interest (RM21,000) in advance each year. Bear in mind, this is an interest only loan where the principal never has to be repaid. if someday in the future you decided you do not need the money when you die, you will get your money back, plus interest. 





cash value life insurance can provide money for your family when you die or it can be use to supplement your income when you retire. RM1 million can generate about RM50,000 annually. The question is, how much money do you and your wife need during your retirement?




investing RM21K per year at the rate of 7% (if you get lucky in the stock market), it will take 22 years.

at the rate of 4% it will take 27 years.

at the rate of 1% it will takes 39 years.

at 0% rate it will takes 48 years.

with life insurance, yo can have RM1 million of potential protection from day one and accumulate the RM1 million during your life time too.


No body can be expert in everything. successful people do not have time to become experts in life insurance. They are too busy staying on top in their expertise. That is why is essential to select an advisor who have the knowledge, wisdom and vision to help with life insurance planning. 


if people understood life insurance, they would be lining up to buy it. But most people do not understand it. 

Most people think the premium is an expenses. If you understand it, purchasing a cash value life insurance is like purchasing an asset.

if you need my help in setting up an insurance planning. feel free to contact me.