Friday, August 15, 2014

保险有三保,"保障","保值","保本"!

保险的本质,就是保障,在最需要的时刻给你一笔急用的现金!
什么时侯需要用到保险,没有办法提前知道。保险费用的支出,是可以控制在可以自已承受范围之内;但未知风险造成的损失,是会有可能超出自已可以承受范围,所以只能是提前买保险做准备,应对未来不时之需。
在每次事故中损失最大的是家庭及家庭成员的未来!
因为走的人已一无所知,但是活着的人还要面对生活的艰辛。 人寿保险是唯一能够保证在未来不可知的日子里,能有一笔确定的金钱相伴终老! 

当意外或者说所担心的事发生后,用保险来转移风险后果,以小换大保证财物安然无忧。保险的功用不仅仅体现在意外发生和得大病时能变现大额的资金揽狂澜于既倒,保险更可以合法免税传承财富。

你可知道,保险还可用来避债。 保险为你拿走了担忧,更能让你得偿心愿。利用保险的专款专用,可以补充养老储备,使老有所养安享晚年;也可为孩子存上一笔教育金,保障孩子有良好的教育品质,使下一代生活得更好。保险是一个家庭经济基础的保证。

保险就是用一定的经济支付换取风险的转移和获得经济补偿。保险是人类经济生命的延伸。 

银行资金靠借贷产生利差增值;保险资金靠投资产生投资增值。 银行资金是一种短期资金,存期都在五年以下,普遍为一年;保险资金是一种长期资金,存期至少五年以上,甚至一辈子。

资金是有时间价值的,一般说来存期越长产生的收益越高。 

  1. 五年之内要用钱放在银行账户,主要解决当前问题,不计较投资收益。
  2. 五年之内不用的中长期资金,作为一种长期储蓄存在保险公司,追求高于银行存款的收益。 
银行存款实际上是债的一种,以存款金额为计息单位,给付的是所存本金的利息。保险红利则以股份收益为准,所得红利来自投资机构的净收益分配,回报水平随经营收益的高低而同涨同落。 投资收益的红利是以你本金的多少来算的。所得红利若不支取,则视同本金。随着分配的红利增多,本金也就越厚实,因为红利就是我们的本金,所以再次分配时能够得到的利益也就更大更多了,刚刚说到的就是复利。也就是大家俗称的“利滚利”。此为保险收益和银行收益的区别所在。 
因为保险红利的分配是按资金收益来算,投资收益越高则分配给客户的红利就越多,反之就少。但是,假设若保险机构的投资失败而亏损的话,法律明文规定是要绝对保证返还客户本金的。

保险本金绝对安全的金融属性,是保险和炒股的最根本区别。 言及此就不得不谈谈保险责任准备金 保险责任准备金,是指保险公司为了承担未到期责任和处理未决赔款而从保险费收入中提存的一种资金准备。保险责任准备金不是保险公司的营业收入,而是保险公司的负债,因此保险公司应有与保险责任准备金等值的资产作为后盾,随时准备履行其保险责任。
保险责任准备金实质上是一种或有负债。 责任准备金分为:未到期责任准备金、未决赔款准备金和保险保障基金。 我国保险责任准备金因险种的性质不同而不同,通常分为寿险责任准备金和非寿险责任准备金两类。 

现今的投资与理财的运用方法,唯今只有保险有能力帮你做到:拿走担忧、实现心愿

什么是保险?

以前说有毛病的才买,
    现在知道有毛病买不了。

以前以为自己不会出事,
    现在知道不怕自己出事,这就叫人生的规划。

以前觉得医院是救人的,
    现在才知道医院是认钱不认人的。

以前以为保险是负担,
    现在才知道,保险是第二次生命。

以前觉得到时候再说,
    现在才知道,到时候什么都说不了。

以前觉得买保险的钱,钱就被保险公司赚了,
    现在才知道买的保险,是让保险公司为我赚钱。

以前觉得自己小心点就行,
    现在才知道那叫做侥幸。

保险虽然不能改变现在,但可以预防将来被改变!

买意外险,只为行程路上一份安心;
买医疗险,只为住院不用花自己的钱;
买教育险,只为能给孩子确定的未来;
买养老险,只为在夕阳下无忧的笑脸;
买财富传承险:只为名下资产合理避税。

Sunday, August 10, 2014

KLCI going down tomorrow?

It is good to know some history, that KLCI suffered its biggest daily drop of 21.5% on Sept 8, 1998.

It was Worst than 1987... Will it repeat? ‪



#‎KLSE‬ ‪#‎Bursa‬

Saturday, August 9, 2014

升息时代再碰上消费税 GST

What do you think? Will property price increase further or will it crash?

Don't forget, possibly another round of increase in OPR this year, another two BNM committee meetings in September 2014 and November 2014.



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(吉隆坡7日讯)升息时代再碰上消费税(GST),发展商将面对自1998年经济衰退以来,最严重的产业销量暴跌,收益能力面临重大考验。
彭博社报道,国家产业资讯中心数据显示,去年产业交易年跌11%,是自1998年大挫32%以来的最大跌幅。
同时,房屋价格指数今年首季仅涨8%,写下自2010年第三季以来的最慢增速。
更甚的是,今年首季发展商推介的新单位仅6339个,较前一季度缩水近半,当中也只有30%成功售出!
如今,国行从去年开始收紧借贷条例,市场认为,今年还会再有一轮打房措施,再加上7月时的升息压力,已大大冲击买气和发展商推介新房产的能力。
或慢销一年
当消费税在明年4月开跑时,产业销量跌幅势必受到冲击再度扩大,或许再重演1998年来的颓势。
苦苦挣扎于高成本的产业发展商,已做好准备接受盈利缩水的最坏打算,实达集团(SPSETIA,8664,主板产业股)今年6月已表明,消费税将导致明年第二季盈利下跌。
UEM阳光(UEMS,5148,主板产业股)执行董事依沙丁接受彭博社电邮专访时也点出,消费税将推高建筑原料价格,但一些成本无法转嫁出去,将影响赚幅下滑。
“销量衰退可能延续一年,目前公司正重新审视一些项目。”
双威(SUNWAY,5211,主板产业股)受访时也预测,消费税的部分成本无法转嫁到买家身上,最坏情况赚幅将受3%冲击。
买家赶消费税前进场
UEM阳光执行董事依沙丁表示,并非所有成本都可转嫁到消费者身上,像是住宅产业豁免消费税,发展商无法索回进项税(InputTax)的成本。
因此,大部分承包商和供应商在竞标项目时,已经考虑到消费税可能提高的成本幅度。
转向中国狮城
在消费税落实前,相信买家会赶着进场,短期产业销量可能会上扬,但在新税制开跑后,销售将再次放缓。
他指出,产业市场有本身的周期,UEM阳光会力求灵活,并灌输所有员工新意识,将成本保持在低水平。
产业指数年内恐跌12%
市场预期,大马产业指数在未来12个月将会下滑12%,反而吉隆坡综合指数可再升5%。
管理10亿令吉资金的Fortress资本总执行长杨汤姆斯(译音)指出,由于对大马产业展望不佳,因此已脱售部分股票,转而投资在中国和新加坡。
大马产业指数今年至今已涨16.5%,今日闭市报1507.57点。

How much it cost for a Basic Will?

Will the cost of writing a Will the main reason deter most people from writing it?

Let's see if it is really that expensive. MSolutions Advisory tables the packages for Basic Will with various add-on services.


Friday, August 8, 2014

Nomination - EPF vs. Insurance

Are you confused between EPF nomination, Will, Insurance nomination?

Even Will cannot revoke EPF nomination as well as Insurance nomination, however, a Will can complement EPF nomination.

Click here to find out more.

Don't Let the Cost of a Will Put You Off!


Why make a will? The main reason is that it allows you to choose where you leave your assets, you can pick and choose who deserves the benefit of your legacy; it can avoid inheritance tax; and it is possible to appoint guardians, if so desirable for your children whom you trust to look after them (obviously you should obtain their consent!) it is also possible to appoint people to hold your property on trust for your children (or indeed other individuals) until they fulfil conditions stipulated in the will, for example turning 18.

Consequentially they are potentially one of the most important documents you will ever create during your lifetime. After all they decide just where your legacy goes. Although many put off making a will for many reasons the stark reality is, that although death is something most of us wish not to consider, it is a sad inevitability which needs consideration. Wills can now be made very cheaply and so this should not put you off. Some of the most pertinent reasons for making a will, and the options for producing them cheaply are considered in this article.

The benefits above are clear so why not make one? And why do so many people not? There are a few common reasons people use in justifying not making a will, most of which have little justification, especially when compared to the positives of making one/ the negatives of not. Many argue it is too morbid and do not want to consider their death. However it is a sad inevitability of life and giving consideration to the practicalities of a will can itself ensure your life has a more lasting effect on your loved ones. Some say 'I'm too young to make a will' however if you're old enough to vote and drink surely you are old enough to make a will - particularly if you have assets/people to protect. (Death and taxes are certain in life)

Others argue that it takes too much time - true you may have to contemplate just what provisions you should be making which could take time to consider but the actual process of making a will is, today very straightforward and stress free. Then you have those who claim it is too expensive. This is a fallacy; the cost of a will is cheap! 

There are three basic methods for producing a will, all of which should be very affordable.

Firstly you can write your own, although this should be done with great care. Mistakes can go horribly wrong and consequentially the, relatively small, additional expense of producing the will professionally should be considered. 
Secondly you can go to a solicitor, which can cost as little as £100 including will storage.  (not sure in Malaysia will the solicitor includes Will Custody service)
Thirdly you can go to a Will Writer who is not a qualified lawyer, but will charge (usually less than a lawyer) for producing the document but are professionals often with considerable prior experience in will writing. (Rockwills is the most well known in Malaysia)

With the above considered and the control and peace of mind afforded by producing a will what are you waiting for? If you are in a position where you have people to provide for, or you wish your legacy to go to others than would if dying intestate then you should make a will. 

This can now be done quickly, cheaply and with very little hassle.

Thursday, August 7, 2014

BFM Podcast - What is Financial Planning?






Linnet Lee, Chief Executive Officer, FPAM

It can safely be said that despite the crucial importance of it, awareness of financial planning is still low in Malaysia. We explore FPAM's value proposition to the wider population. The widespread conflict that exists in commission-based financial products distribution is one of the many areas of concern. 

We also find out how FPAM incorporates financial planning goals within existing regulatory investment bodies.




Tuesday, August 5, 2014

Motor Insurance - What is Agreed Value?

Many insurers settle a total loss based on the actual cash value at the time of loss. This could result in a significant financial loss due to depreciation. At , most of the vehicles are protected on an agreed value basis, regardless of market depreciation.


Agreed value is the value that is agreed upon between an Insured and the Insurer at the beginning of a period of cover, which does not change throughout the period of cover. As almost all cars depreciate with age and use, it is important to get your car insured at an agreed value with us.

Click here to renew car insurance with us.