The Dollar and The Old Man

The dollar or ringgit you makes today, half of it belongs to the old man down the road , 50 years, 40 years, 30 years, 25 years or probably less than that.

Be money wise, don't let the youth take away the life of the old man.

Life in elderly age is meaningless without happiness, happiness is meaningless without survivalship, and survivalship is meaningless without dollars and cents.

Bear that in mind and be wise with spending.

Save today, survive tomorrow.

Food For Thought- Great Sayings

Retirement Planning - A Choice Not Fate

RETIREMENT PLANNING
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Retirement is one of the most important life events many of us will ever experience.

From both a personal and financial perspective, realizing a comfortable retirement is an incredibly extensive process that takes sensible planning and years of persistence.

Even once it is reached, managing your retirement is an ongoing responsibility that carries well into one's golden years.
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For most people retirement is time to look forward to having more time to enjoy the things they love most. Most of us will be pondering on major decision such as:

- When will I retire?

- How much money do I need for the retirement?

- Will I be able to afford the lifestyle I desire?

- Where can I get help if I need it?

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Experience has shown that early planning will allow our clients to make the most of their money.

As professional advisors we show you how to maximize your retirement income.

Retirement is A Choice and Not a Fate destined by Time.

Time is NOW!!

The right choice land us in the correct path to a enjoyable retirement.

Our Services -Make Us Your Preferred Choice in Financial Planning

Offering Personalized ServiceYour financial objectives and goals are unique to you.

1.
We will work with you closely and offer personalized advice tailor-made to assist you to reach your financial goals and aspiration.

2.
We Act As Financial Coach and we are there to listen to and understand your concerns and be able to answer your questions and clarify doubts on financial issues and explain in depth, concepts , plans and strategies.

3.
We help Conceptualized Your Goals -Converting your dreams to reality .
We can assist you to accurately define your financial goals and work with you to prioritize those goals. In turn, unclear and vague goals turn into realistic ones.

4.
Road Map To Achieve Financial goals
A financial goal is the ultimate destination. We provide the road map to reach your goals and we have the knowledge and expertise to design and cater a comprehensive plan to achieve your goals.


5.
Selection Of Correct Financial Tools.
There are various financial tools on the market to help you achieve your goals. The task of sorting through all the options can be overwhelming.
We assist in narrowing the choice to those that best fit your goals and objectives.
You would then be in a better position to make an informed choice.


6.
Proactive Management
With a clear understanding of your financial goals can bring investment opportunities to your attention and to keep you abreast of the changes in financial environments that may affected your plans and recommend required adjustments necessary to accomplish.

Retire Young- You Can Do It!!

Early Retirement or mandatory, we should have a plan .
A written plan that lay out the steps to be taken with specific dates to achieve it by. A plan that will enable us to rnjoy our golden years to the fullest- being financially independent, physically fit, mentally prepared and emotional exhilarated.

Why Retire Young ??
- The best thing about retiring young is that it allows us more time to live our way, doing what we have always wanted to do, as and when we intended to do .

When to Plan?
-Early, Right now !!

Save & Invest
-Most people can appreciate the importance of saving and investing eary for their retirement, but however the pressure of consumeristic society that we live in make the plan difficult.
-People constantly have to choose between spending the money now and saving and investing for the future.That is why having a clear goal and action plan is very important.
-If you make more money but spend even of it, you will never make it, instead it will create more debts will will eventually erode your income that you will earn in future.

Life Purpose
-Retirement is no longer a function of age, it is the function of affordability. And money is time in a foldable form.

A true Fact
-Many however are trapped in a huge mountain of debts which do not permits them from retiring early and most of them spend their entire life repaying debts.

What is the Most Valuable Asset You Own?

Is it Your Car?


- Suppose that it's totally wrecked , how much would the total loss be?


Is it your Furniture?


- Suppose that it's totally ruined, how much is the replacment cost be?


Is it your House?


- Suppose that is it burned to ground, how much would you require to built the house again ?




Is it your Properties Investment?




- Suppose that your Investment suffered a wipeout, how much loss would you incurred?




Is it your Stock & Shares?




- Suppose that your stock dips to a rock bottom, how much would you suffer in loss?




All the above things will not exist without your presence and your expertise!




YOURSELF




- Suppose your earning power is destroyed, how much would your lost income amount to $$$$$$???????



Assuming you are retiring at age 65 and your current age is 26, and your monthly income is RM1,000, your potential income earnings would be RM 468,000.



Just imagine if your income is RM 5,000, what would your potential earnings be?

Have You Written a Will ?

Do You Have A Valid Will ?

1. If your answer is NO, please read on.
2. 9 out of 10 adults in this country do not have a Will? - Some even don't know what a Will is?
3. Most assume that it is inconvenient, expensive and the process is too complicated. Some are afraid to even think of death.
4. But without a Will, the delay in processing your estate may cause hardship to your loved ones.

Why Write a Valid Will?
- to ensure that your assets go to the rightful beneficiaries
- to prevent disputes among beneficiaries
-to have someone in charge
-to prevent costly and long legal process
-unlock frozen assets in a shorter period -appoint guardian for your children
-peace of mind

If a person dies without a Will, the estate shall be distributed according to Distribution Act 1958 ( Amended Act 1997)

-Will need to apply for Letter of Administration
-Administration Bond is required
-2 Sureties required