理财三六零 Wealth360

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理财三六零 Wealth360

This page is for my sharing regarding holistic financial planning journey which include financial creation, accumulation, protection, and distribution.

14/12/2022

很多人以为
理财规划🧑‍🏫就是卖产品
其实不然
理财规划师在介绍客户产品之前
首先必须了解客户的目前状况
然后根据每位客户的情况，为他们量身订制理财方案
以帮助客户达到人生目标
而产品是为了达到目标所用的理财工具🛠
病人去看医生👩‍⚕️
不是直接买药💊
而是先让医生检查身体状况
医生望，闻，问，切🩺
了解情况后，开药方给病人
药是医病的工具🧰不是最终目的
那客户面对的问题有哪些❓
现金流不足，每个月都是月光族💸
想开始规划退休生活，但不知从何下手👴
完全对金钱没有概念，对未来充满未知数
投资亏损📉📊越存越少钱
把赚到的钱通通放在定期存款，眼睁睁看着存款被通膨侵蚀💰
自然界有自然界的规律
太阳东方升起，西方降落 ☀️🌙
潮起潮落也自有规律🌊⛈
如果你早睡早起
跟着自然界规律按时作息🧘
自然就身体健康🏋️‍♂️
同样的，赚钱也有规律
如果跟着规律理财
自然的，达到财务目标是迟早的事
如果你想做个“身体检查”👨‍🔬
欢迎联络我☎️📞
让我用深入浅出的方式, 手把手🤝
帮你规划大目标（退休，买房，儿女教育）🏠👩‍🎓
小目标（买车，旅行，结婚)🚗🏖
让你看清目前的状况
然后再为你列出详细的步骤📋
非常感谢客户的信赖和支持
奖项是专业的认可
也是让理财规划师继续帮助更多人的推动

29/07/2022

Attended the 11th AFA Annual Conference 2022 which was held on 28 July, attended by the Chairman of SC.

𝐂𝐡𝐚𝐢𝐫𝐦𝐚𝐧 𝐨𝐟 𝐒𝐞𝐜𝐮𝐫𝐢𝐭𝐢𝐞𝐬 𝐂𝐨𝐦𝐦𝐢𝐬𝐬𝐢𝐨𝐧 𝐌𝐚𝐥𝐚𝐲𝐬𝐢𝐚 ^ 𝐃𝐚𝐭𝐨 𝐒𝐞𝐫𝐢 𝐀𝐰𝐚𝐧𝐠 𝐀𝐝𝐞𝐤 praised the hard work of Investor Protection Joint Action headed by Association of Financial Advisers Malaysia in Chairman’s keynote message in AFA Conference 2022.

The Association of Financial Advisers (AFA) is a Trade Association formed to represent all Bank Negara Approved Financial Advisers, Capital Markets Services Licensed Financial Planning firms and Corporate Unit Trust Advisers (CUTA) firms. AFA was approved by Registrar of Societies on 16 August 2012 with the support from Bank Negara Malaysia and the Securities Commission Malaysia.

AFA is the official trade association endorsed by the regulators to benchmark the industry best practice model and also to spearhead changes in the Malaysian financial landscape.

05/07/2022

很久没有po文了，最近发现很多身边的人都知道我已经upgrade成为国家银行的Licensed Financial Adviser了, 不过大家对于Licensed Financial Adviser的服务还是很模糊，所以今天特地抽空给大家做个简单的自我介绍
以下我把Licensed Financial Adviser缩写成FA
首先要拿到FA的执照，就必须报考CFP或者是RFP, 我考的是CFP，CFP有4个modules，分别是:
Module 1: Foundation in Financial Planning and Tax Planning
Module 2: Insurance Planning & Estate Planning
Module 3: Investment Planning & Retirement Planning
Module 4: Financial Plan Construction & Professional Responsibilities
要拿到FA执照需要Module 1到3，所以FA 需要知道的范围还蛮广的
可能你对FA不熟悉, FA实际上是新加坡，英国，澳洲等先进国家的主要专业金融服务渠道，向公众提供全面的金融咨询，在外国也称为独立理财顾问 Independent Financial Adviser
身为FA，我获得Bank Negara的执照为财务顾问。应用多个金融品牌的金融共应商给予全方位、中立、且一站式的理财服务，因为我们代表的是客户，而不是公司。这意味着我们可以推荐各种来自众多品牌的金融工具。
FA的重要任务就是帮助客户进行财务规划，其中分为4个部分：
1. 保障财富 (wealth protection)
- 保障您的财富
- 协助你避开、转移及降低所面对的风险
2. 管理财富 (wealth management)
- 妥善管理债务
- 避免及降低债务危机
3. 让财富增长 (wealth accumulation)
- 让你的财富创造更多价值
- 使你资产变得更有意义
4. 规划遗产 (wealth distribution)
- 妥善分配一个人所遗留下来的资产
- 完成客户的心愿，把他们的财产留给他们所爱之人
如果你想改变自己的财务未来，想对未来10或20年的财务规有所了解，欢迎质询，我们可以共同设定策略，系统化地实现目标。

24/12/2021

For what has been a rough year for most, may you wrap up the year with a joyous Christmas! ☃️🎅
Most importantly, stay safe and healthy😍

23/12/2021

Torrential rains in Malaysia have caused flooding that has driven more than 11,000 people from their homes, closed dozens of roads, and disrupted shipping.
We couldn't control the natural disaster, but what we can do is to minimise the loss caused by the disaster.
This is what you should do when the flood hits to prevent further losses.🏡👨‍👩‍👧‍👦

17/12/2021

今天有幸能够跟非常出色的Field Master秀贞姐和Ah Kang一起在马六甲吃晚餐和喝茶
非常感谢他们无私的分享宝贵和落地的销售经
正能量满满，亲切，热情的招待，今晚确实获益良多
感恩在这行业遇到很多贵人的指点，让我对这行业更加充满信心
这个周末我想好好休息，留在马六甲Cuti-cuti Malaysia
祝大家周末愉快

15/12/2021

It’s holiday now,
and the children are staying at home.
While playing at home, safety always matters.
Your adult-friendly home has many potential hazards for a child.
But you can keep your child safe by finding out what the risks are, and then preventing or removing them.
However, even when you think you’ve removed all the home safety hazards, the reality is that children can still have tumbles and falls.
That’s why supervision is one of the keys to child safety at home.

07/12/2021

Only 3% of EPF contributors can afford retirement.
After the EPF withdrawal for during the MCO, the EPF savings of many members below age 55 has reached a critically low level. Should another round of withdrawal be permitted, those who had withdrawn from their EPF savings before would need to work an extra four to six years just to cover the amount that they withdrew over the past two years.
By the end of this year, 54% of EPF members aged 54 and below would have less than RM50,000 in their savings account;
a majority of those who withdrew their entire EPF savings upon reaching age 55 would use it up within two to three years.
You definitely do not want to rely on EPF solely for your retirement.
☎Talk to me and I have a solution for you to retire with peace of mind😃

03/12/2021

Public holiday? To work or not to work?
Met my friend
spent more than 2 hours
to explain to her the reason I join insurance industry
my long term vision
how do I differentiate myself from the pool of other insurance agent
and finally got her trusted to share with me her existing medical plan.
That wasn't the ending
I checked with Mr.Google for the details of her existing policy from another company
Confirmed with an agent friend who also work in that insurance company
Found out a gap that exposed her to significant risk
Prepared proposal catering to her needs
And all these easily took up half a day
I know there are ppl who can close sales within an hour
For me, I prefer to take prudent steps
to avoid mistakes and future problems
Selling is easy, servicing is not
It requires lifetime commitment to the clients
My approach could be time-consuming
Yet I believe this is the right thing to do
Happy weekend

01/12/2021

Are you a smoker? 🤷🚬
Do you know what is the impact of smoking to your family's and your body? ☠️ ☠️
Other than that, the insurance premium for a smoker is also a lot higher than that of a non-smoker.😱

Put down the cigarette now and save your life. 🚬
Contact me now to know how you can be insured! 📲

29/11/2021

Health is one of the most expensive comforts these days and we realise this only when we fall sick🤒
Though you can now get excellent healthcare in multi-specialty and super-specialty hospitals in Malaysia, but medical costs have gone through the roof 🚀
To beat this, it is best to take adequate health insurance.
📞 Talk to me and I can provide you with detailed information ℹ️

27/11/2021

Based on the National Health and Morbidity Survey 2019, there are approximately 3.9 million Malaysians living with diabetes 3.
The prevalence rate has risen from 13.4% in 2015 to 18.3% in 2019. That is equivalent to 1 in 5 adults in the country, giving Malaysia the title of “Sweetest Nation in Asia”.
Not only is diabetes incurable, it can also increase one’s risk of developing other health complications such as heart problems, kidney disease, blindness, nerve damage, and amputations.
This adds to the complexities of diabetes management as it involves monitoring and controlling blood sugar levels, and also other preemptive measures to reduce the risk of such complications.

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11-2, Jalan Radin Bagus Tiga, Bandar Baru Sri Petaling
Kuala Lumpur
57000

Website

https://www.yesadvisers.com/

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