Plan Ahead to Ensure Retirement Income

Advance in the medicine help the people can look forward a longer life.

So if you’re retiring at 55, you may have another 20 to 25 golden years to enjoy.

The quality of life in those extra years will ultimately be determined by how well you

prepare yourself financially. You should therefore have some idea how much you’ll

need for your retirement.

Statistics show the majority of retirees exhaust their EPF retirement funds within 3 years

and employer pension funds are not common in Malaysia.

Do you want a secure future?

Fix the target in your mind (base on the lifestyle you intends to lead during retirement )

start investing for your retirement immediately.

Remember that you are never too young to begin planning for your retirement.

讓金錢為你賺錢

投資就是一個讓金錢為你賺錢的方式，投資可以帶來穩定回酬，不过必须多元化你的資產[很重要]，以便你的組合投資在風險與機會這兩方面可以均衡，而且你不會受到某個財務領域 的打擊。

投资组合：

• 股票

• 債券

• 產業

• 保险

• 信托

1． 如果你應用“平衡貨幣成本”原理，就是每月定期投資，可以看到附加利益，長遠來說，你可能通過定期投資的方式取得更大收益，儘管市場有起有落。

2． 每個月至少儲蓄15%的收入到你的儲蓄賬戶，單位信託或人寿保险户口，以便它可以不斷增值。儘早開始儲蓄計劃，在年紀開始慢慢老去之前，領取累積儲蓄的利益。

3. 保障你的資產，何為保障資產。假如在人生過程中有發生一些变化，壽險是各個階段保障你人生及家人財務的最好的途徑，市場上有很多各類型的保單，有助於保障你的資產。

4. 如果你現在是租房屋，也許是考慮購買本身產業的時候，你每月所付的租金，對你來說是一項開銷，至於每月的分期付款則是投資，是一項可以增值的資產。

“時間”就是“金錢”，

一天只有24小時，這24小時是用來賺取收入、花費、賺額外收入或揮霍，儘早投資，以確保你的資產可以增值，用保單提供保障。金錢為你賺錢的原理是，假如時間獲充份使用，你可以從收入中獲取終生累積儲蓄的利益。

I don't need life insurance because i am healthy!

When come to Life Insurance, many people will always said this " I don't need life insurance because i am healthy!"

Do you heard this before?

Why they have such idea?

Life insurance is for unhealthy people?

How you know when you will become unhealthy?

For me i am 100% not agree with them.
Do you know why?

From this sentence we will know the people who come out this is totally do not understand what is life insurance. For sure he/she do not know how important adequately insured with Life Insurance?

Life insurance is not create for unhealthy people. If it is special create for unhealthy people then all the Doctors & Nurse will be an agent for Life Insurance because many people inside hospital is waiting for the help of Life Insurance. But unfortunately, most of them are fail to apply after their application form summit to Insurance underwriting Department.

Note : Insurance underwriting is the process of choosing who and what the insurance company decides to insure. This is based on a risk assessment.

No body know when you will become unhealthy because we can not control the critical illness to fall in love to us.

Important : Life insurance is not only for you own. The most important of life insurance is, it will be the replacement income for your family,spouse, children etc when you are fail to earn money on golden opportunity (25Years until 55 Years).