Tag: long term savings
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Because Life Happens
As a financial planner — and also as a mom — I’ve seen how unexpected expenses can shake a family’s stability. Many people believe, “It’s okay, I can always rely on government hospitals if anything happens.” But here’s the truth: while treatment at government hospitals is subsidised, not all medications or procedures are fully covered.…
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💔 “She Can Just Find Another Husband…”
I have a story to tell… When he was here, I never had to worry about bills, food, or our children’s future. Now, every ringgit counts. I stay up at night wondering how to keep a roof over our heads, how to pay for school, how to be strong when I feel completely lost. I’m…
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Auto-Debit ASB: The “Set and Forget” Hack for Future You
Saving money manually is like convincing yourself to “start eating healthy on Monday.” You have the best intentions, but somehow, that nasi lemak still finds its way to your plate. Enter ASB auto-debit, the life hack that takes the thinking (and temptation) out of saving. Just set it up once, and boom—your future self gets…
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How to Start Saving in 3 Steps
So, you just got your first job—congrats! You’re finally earning your own money, maybe living on your own, and figuring out this whole adulting thing. You scroll through social media, and everyone’s talking about Takaful, savings, retirement plans… but hold up, do you really need to worry about all that now? Or maybe you already…
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The Harsh Truth: What Happens When You Can’t Work Anymore?
Imagine this. One day, you lose your ability to work—not because you want to, but because of total and permanent disability or a critical illness. What happens then? The company you gave your blood, sweat, and tears for? They won’t be around for long. It’s not personal; it’s just how things work. And your commitments?…
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Want to Create a RM1 Million Legacy for Your Children?
I had a conversation with a client who has two kids. He told me he had already set aside RM1 million for each of them. That’s RM2 million in total! While that’s a solid plan, I asked him, “Why not put aside just a portion of that money and let Takaful do the heavy lifting?”…
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So, how do I open a Private Retirement Scheme account?
So, you’ve read Part 1 and Part 2 of my Private Retirement Scheme series, and now you’re ready to start. What’s next? First things first—head over to ppa.my for self-registration. Isn’t it great that we can do this online now?” 1. You’ll then be directed to this page. Enter your name, email, and mobile number.…
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Asb Dividend Calculation
ASB (Direct Investment) The dividend for Amanah Saham Bumiputera (ASB) is calculated monthly on a prorated basis based on the minimum or available balance in the account. When I asked the bank officer (when doing top up over the counter), this is what I was told. 1. Minimum Monthly Balance: • ASB calculates the dividend…
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How I Started Investing in Unit Trust and How It Saved My Family
I started investing in unit trust when I was fresh out of university and just stepping into the working world, about 20 years ago. Back then, it wasn’t a consistent habit – more like whenever I had some extra cash lying around. Why? Because I had to juggle between two priorities: saving for emergencies and…
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Are Unit Trusts Suitable for Emergency Funds? Let’s Break It Down.
Yesterday, I met a friend who’s going through a rough patch in her career – her future feels uncertain, and she’s understandably stressed. During our chat, she shared how a unit trust agent approached her at the café she is currently working at. The agent, initially pretending to need her mobile number for venue bookings,…
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Aliyawanders 