FINANCIAL SERVICES
Investment Planning & Asset Management
(投资规划与资产管理)
Where Do You See Yourself In The Future?
Whatever your financial goals, we can help to ensure your money is working as hard as possible, that means selecting the best performing and most tax efficient solutions.
Investment Management -
Financial planning integrates a realistic portfolio return that is consistent with your risk tolerance. It is important to balance your need to take the risk with your risk capacity. If the market hits at the wrong time, would you be able to recover? In that event, what changes in your lifestyle would be required? Is it worth taking the risk?
We consider investment products a “means to an end”, the tools we use to address your objectives. Because we are not subject to product quotas or minimums, our only agenda is that of our clients.
You will have access to a full range of investment products including but not limited to:
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Unit Trust Equity Fund
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Money Market Fund
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Fixed Income Securities (Bonds, Preferred Stocks, Treasuries)
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Education Savings Plans
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Oversea Properties Recommendation and Access
Regular Saving
A combination of planning and commitment can help you meet your financial goals. From as little as RM 100 a month you can set up a regular savings plan aimed at making your financial goals a reality.
Risk Management (风险管理)
Often loss is not all at once. Assets could be depleted slowly over time due to an illness, a disability, or even a long-term care need, leaving a healthy spouse without the funds they need to live.
The first step is to see if there is exposure. Some have enough money set aside to cover life events, while others may prefer to transfer this risk to a company.
The purpose of insurance is to protect your assets against out-of-pocket expenses. “We’ll cross that road if we come to it” approach might be the right approach if you have enough assets, or it may be wiser to coordinate insurance coverage with your overall financial plan.
Insurance & Protection go hand in hand to ensure your peace of mind should the unexpected happen.
Sometimes life can take unexpected turns. Every year, cancer, heart attacks and strokes effect more than 30 million people. Many of them require continuing, and costly medical care till the end of their lives. Enjoy the peace of mind knowing that your important financial obligations are taken care of in the event the unexpected occurs.
An Income Protection Plan is an insurance plan that pays benefits to policy holders who are unable to work due to an accident or illness.
Wealth Distribution and Legacy Building
(财富传承)
The only certainty in life is that it will not last forever. Creating a legacy is a tremendously personal undertaking. Nick will help you develop a fully integrated one-stop wealth protection and distribution services so that your legacy will be well preserved and distributed according to your wishes. Along with distributing financial resources, your legacy should demonstrate your core values and guiding principles of life.
A good starting point when considering building a legacy is to ask yourself these questions:
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What does wealth mean to you?
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Who do you want to benefit from your legacy?
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What core values and life lessons do you want your legacy to represent?
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What do you want your legacy to “say” about you?
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How you want your legacy to be fulfilled?
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How will your asset be distributed to next generation?
Retirement Planning （退休规划）
Retirement can be an exhilarating time – the promise of freedom from early morning commutes, demanding schedules and tough bosses. It can also be scary when everything you have accumulated now has to be your income for the rest of your life.
Is your saving enough so you can have the retirement that keeps up with your lifestyle?
It’s never too early to start planning for your retirement, but there are advantages to starting early. By starting early your able to give you’re savings & investments time to grow.
There are many things to consider when planning for your retirement. People are living longer and healthier with life expectancy on the rise. Will you have enough to give you the retirement lifestyle you desire?
