AVA Wealth Planners

AVA Wealth Planners AVA Planners is your best choice in Wealth Creation, Wealth Protection, Wealth Accumulation and Weal

AVA Planners is your best choice in Wealth Creation, Wealth Protection, Wealth Accumulation and Wealth Distribution process.

Hello everyone! 👋🏻Have you ever wonder why you always run out of cash flow when buying things? Or not enough amount bala...
20/04/2022

Hello everyone! 👋🏻

Have you ever wonder why you always run out of cash flow when buying things? Or not enough amount balance in your bank account? 🤔

Regardless of your answer, this tips will help you to cultivate and analyse your cash flow you earn againts your spending habits and lifestyle requirements.

This tips are design to help you manage your money flow and achieve your goals as well. Here are some small tips for you to control over your finances. Remember, small steps make a huge differences. Happy learning 😊

Should you have any enquiries or wishes to know more details about Financial Planning, please do not hesitate to contact us at: https://www.ava-wealth.com/contact

Good day everyone 🙋🏻‍♂️🙋🏻‍♀️ As a parent, have you ever though about preparing a well education plan for your child so t...
04/01/2022

Good day everyone 🙋🏻‍♂️🙋🏻‍♀️ As a parent, have you ever though about preparing a well education plan for your child so that they can win at the starting point❓
It is not a secret that higher education fee is expensive due to the inflation and increasing in general costs❗💸 Hence, it is necessary for parent to buy education policy as early as possible so as to reserve sufficient education fund for their child❗
The strategy uses of education insurance policy can be helped with:
1️⃣Provide child a good study life 👨🏻‍🎓👩🏻‍🎓
2️⃣Avoid additional loan on parents 😖
3️⃣Parent can enjoy maximum RM3000 of tax relief 🤑
4️⃣Prepare ahead of education inflation 📈
5️⃣Child’s future is secured if parent suffer from death 👍🏻
6️⃣If parent suffer death/ critical illness/ total permanent disability, the policy’s premium will be waived and policy can continue keep in force 👍🏻
7️⃣Reduce pressure on child, avoid them to be in debts 😖
After briefly go through the importance of education insurance policy, do you wish to prepare a comprehensive education planning for your child❓Should you have any enquiries or wish to know more details about child’s education planning, don’t hesitate to contact us at https://www.ava-wealth.com/contact

Good day everyone🙋🏻‍♂️🙋🏻‍♀️ It is common that we always being told to hold mortgage life insurance when we are taking ou...
01/01/2022

Good day everyone🙋🏻‍♂️🙋🏻‍♀️ It is common that we always being told to hold mortgage life insurance when we are taking out a mortgage to pay for property❗
🤷🏻‍♂️: Why we need mortgage life insurance❓
💡: To ensure the mortgage will still be paid when we suffer from death, critical illness, disability, so that to avoid becoming financial burden on our family and being foreclosed by bank eventually❕
🤷🏻‍♂️: What mortgage life insurance we can choose❓
💡: We can choose Mortgage Reducing Term Assurance (MRTA) or Mortgage Level Term Assurance (MLTA) ❕
🤷🏻‍♂️: What are the differences between MRTA and MLTA❓
💡: Their differences may include :
1️⃣ MRTA provides protection on mortgage loan only; MLTA not only provides protection on mortgage loan but also offers cash value
2️⃣ MRTA's payout reduces over time accordingly to the outstanding loan amount; MLTA's payout fixed throughout
3️⃣ MRTA's beneficiary is bank; MLTA's beneficiary can be anyone
4️⃣ MRTA's premium is lower and need to be paid in one lump sum; MLTA's premium is higher and can be paid in periodic term
5️⃣ Under MRTA, insurer pays loan balance to bank and buyer's family will receive the house; Under MLTA, insurer pays loan balance to bank and beneficiary will receive the house and extra cash value
After briefly going through the differences between MRTA and MLTA, do you know which mortgage life insurance suit you the most if you plan to purchase a property❓Should you have any enquiries or wish to know more details about mortgage life insurance, don’t hesitate to contact us at https://www.ava-wealth.com/contact

Good day everyone🙋🏻‍♂️🙋🏻‍♀️ The pandemic has changed our life and increased public awareness about the importance of hav...
01/01/2022

Good day everyone🙋🏻‍♂️🙋🏻‍♀️ The pandemic has changed our life and increased public awareness about the importance of having medical card❗
So, why we need medical card❓
1️⃣Medical card provides us comprehensive coverage to cover our hospital bills, surgical fees and related treatment expenses🏥
2️⃣Medical inflation in Malaysia is currently increasing at double-digit pace📈
3️⃣To avoid the high medical expenses deplete our savings😰
4️⃣Avail medical plan at lower rates when we are young😄
5️⃣We can demand for better healthcare services to seek treatment at private hospital👨‍⚕️👩‍⚕️
6️⃣Enjoy maximum RM3,000 of tax relief👍🏻
Do you have RM3 million annual limit medical card❓ Should you have any enquiries or wish to know more, please don't hesitate to contact us at: https://www.ava-wealth.com/contact

Good day everyone 🙋🏻‍♂️🙋🏻‍♀️It is common that we always believe WILL is the best estate planning tool📝Although writing a...
24/12/2021

Good day everyone 🙋🏻‍♂️🙋🏻‍♀️It is common that we always believe WILL is the best estate planning tool📝
Although writing a WILL may give us the convenient of distributing estate according to our wishes, have you ever though that it has cons also❓The risks of WILL might include possible challenge, disputes among heirs, long probate process, provide no protection to our heirs against creditors and final taxes.😞
As a matter of fact, life insurance is one of the important financial tools in estate planning‼️
How❓ The strategic use of life insurance can be helped with:
1️⃣ Provide beneficiaries immediate cash at death of life assured💰
2️⃣ Equalize estate inheritance among heirs to prevent family dispute⭕
3️⃣ Provide protection to beneficiaries against creditors💸
4️⃣ Avoid lengthy probate process⏳
5️⃣ Leverage assets to provide adequate inheritance for beneficiary➕💵
💁🏻‍♂️💁🏻‍♀️Should you have any enquiries or wishes to know more details about the use of life insurance in estate planning, please don’t hesitate to contact us at: https://www.ava-wealth.com/contact

Good day everyone! 🙋🏻‍♂‍🙋🏻‍♀‍ It is common that we always being told to hold a medical card because it is a lifesaver wh...
23/12/2021

Good day everyone! 🙋🏻‍♂‍🙋🏻‍♀‍ It is common that we always being told to hold a medical card because it is a lifesaver when we in need❗
But, have you ever thought that critical illness insurance is also crucial as part of our life❓
As a matter of fact, medical card and critical illness insurance are totally different and serves different purposes ❗
Medical card is only designed to pay hospital bills, but what about living expenses during recuperation or recovery? We have no choice but to rely on our savings to cover housing loan, hire purchase loan, cost of living, children education fees which may eventually use up all of our lifetime savings ❗💸😱
💰Medical card settled the medical bills directly with hospital whereas critical illness insurance pays a lump sum proceed to us❗🤑
With critical illness insurance, we can use the lump sum claims to settle our debts, living costs, nursing costs, buy health supplements and much more even if we are unable to work for some time❗💵
Hence, we not only in need of a medical card to cover the huge hospital bills but also require an income protection policy to maintain our living standard❗
Should you have any enquiries or wish to know more details about medical card and critical illness insurance, don’t hesitate to contact us.
Contact us: https://www.ava-wealth.com/contact

Dear Valued Customer,In light of the recent floods, it's important that we stay prepared at all times, to keep ourselves...
22/12/2021

Dear Valued Customer,

In light of the recent floods, it's important that we stay prepared at all times, to keep ourselves and our loved ones safe.

Although floodwaters have begun to recede, many dangers may still exist. Here is a guide on what we can do before, during and after a flood.

📞 For assistance, you may reach out to us or use the channels below:
1️⃣ Allianz Contact Center
1-300-22-5542 (Mon-Fri, 8am-8pm)

2️⃣ Allianz Care Solutions
(For Allianz Life)
Hospital Admission & Discharge (24H)/ Feedback, claims or payment (Mon-Fri, 9am-6pm)
1-300-88-8322 or [email protected]

3️⃣ Asia Assistance
(For Allianz General)
Hospital Admission & Discharge (24H) 1-800-88-1138 or +603-7628-3600

4️⃣ Allianz Road Rangers
(24H Accident/Roadside Assistance), Windscreen repairs, Quick Repairs at 1-800-22-5542.

17/05/2021

Investment planning is the process of identifying financial goals and converting them through building a plan. Investment planning begins with the identification of goals and objectives. Then we need to match those goals with our available financial resources. ____
So here the types of investment: 1. Saving account - One of the safest forms of investment that can be used to generate interest on your money and freely deposit and withdraw money whenever you want 2. Fixed Deposit - Promise investor a fixed rate of interest and has a better return than saving account
3. Shares - Created by companies to raise funds or capitals and investors will get dividends in return
4. Bonds - Long-term debt instrument issued by a corporation to finance the company's long-term assets
5. Residential Home - Real estate property which is not occupied by the owner which the owner could rent out the property
6. Real Properties - The investor makes a small investment into a property, then go on to rent it out to cover mortgage repayments, and then once raise in price, sell or remortgage it 7. Unit Trust - Allows fund manager to pool money from numerous investors to invest in a portfolio of assets

Today we are sharing about Estate Planning.Have you know before this about estate planning?Estate planning is the prepar...
10/05/2021

Today we are sharing about Estate Planning.
Have you know before this about estate planning?
Estate planning is the preparation of tasks that serve to manage an individual's asset base in the event of their incapacitation or death. The planning includes the bequest of assets to heirs and the settlement of estate taxes. Most estate plans are set up with the help of an attorney experienced in estate law.
Best regard, stay safe everyone!

Today we are sharing how we can manage a better plan for our financial.Best regard, stay safe everyone!
06/05/2021

Today we are sharing how we can manage a better plan for our financial.
Best regard, stay safe everyone!

05/05/2021

It seems like many people devote more time to planning a vacation, choosing a car to buy, or even selecting a spot to eat dinner than they do to estate planning.

Estate planning isn’t only for the rich. Without a plan in place, settling your affairs after you go could have a long-lasting—and costly—impact on your loved ones, So, estate planning is very important for everyone no matter their age or wealth

Here are some information about estate planning:

Why Financial Planning is Important?Financial planning is a step-by-step approach to meet one's life goals. A financial ...
03/05/2021

Why Financial Planning is Important?
Financial planning is a step-by-step approach to meet one's life goals. A financial plan acts as a guide as you go through life's journey. Essentially, it helps you be in control of your income, expenses and investments such that you can manage your money
and achieve your goals.
Best regard, stay safe everyone.

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