How to Let My Hard Earn Money Can Work More Effectively For Me?

Alternative investment is the answer to make sure you achieve your financial goals more effectively towards your aim return in medium to long terms investment strategies.

LOW RISK, HIGH RETURN

What is CARR (Compounded Annual Rate of Return)

The compounded rate of change in the value of an investment that has been achieved each year to enable the initial price to grow or decline to the latest selected price over a particular time

period.

Eight wonder of The World

~ Albert Einstein ~

Case Scenario : If you have RM100

Want To Let Your Money Work Hard For You ?

FINANCIAL FREEDOM Investment Strategies

Invest now & spread your risk into different sectors of investment which may depends on your risk appetite.

Growth Designed to maximise the value of your investment over the time, growth funds invest primarily in stocks that have a strong potential for above-average growth.
Growth & Income Desgined to provide both regular income and long-term growth in the values of your investments, growth and income funds invest primarily in stock, bonds or a combination of both.
Income Designed to provide a regular stream of income, income funds invest primarily in interest-paying bonds, stocks that pay regular dividends or a combination of both.
Capital Preservation Designed to maintain a stable price share while providing current income, capital preservations funds include money market funds.

STAGES OF LIFE Financial Planning

The Foundation Years:

Age: 20s to Mid 30s

• Many years of earning power ahead
• Plans to buy a home and / or start a family
• Willing to accept some fluctuations in investment results in pursuit of long-term financial goal

The Acquisition Years :

Age: 30s to Mid 40s

• Income still climbing
• Established college fund for children
• Willing to accept some fluctuations in investment results in the pursuit of long-term financial goals

The Accumulation Years:

Age: Late 40s to Mid 50s

• Family responsibilities winding down
• Begins to think about retirement
• Seeks less volatility in investment results by emphasizing more income and capital preservation and less long-term growth

The Reaping - The Reward Years :
Age : Late 50s to Retirement

• Retired or about to retire
• Years of earning high income may be over
• Plans activities during retirement; assesses ability to set up trust funds for grandchildren
• Seeks lower volatility in investment results

RULE 72

i) To figure out what rate of return you need to gain in order for your investments to double in certain number of years.

Assuming : To double in 10 years

Use Rule 72 ------> 72/10 (number of years)

=================> You need compounded rate of 7.2

ii) To figure out, how may years it would take for your money to double at a certain rate of return.

Assuming : 12% compounded rate of return

Use Rule 72 -------> 72/12% (compounded rate)

==============> You need only 6 years

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FINANCIAL HEALTH CHECK

Step 1 : Do a thorough Cash Flow Analysis
Step 2 : Do a Networth Analysis

Need To Transfer Your Risk ?

Let insurance company doing the risk management for us, instead we need to pay the "big" price when unfortunate disaster happen to us or our loved ones.