Saving Plan

Dear Investors,

The concept of saving plan is based on the dollar-cost averaging.

The investors are advised to invest regularly to lower the average cost per unit.

Why Amanah Raya ?

Dear Investors,

Amanah Raya is a corporation. They are in the business of will writing and providing trust services. They offer services for individual and for business.

You can understand their products and services.

Create A Second EPF Account

Dear Investors,

Is your Malaysian EPF Fund enough for your retirement ?

Let do the calculation :

What is your monthly expenses ?

Say, your monthly expenses is RM 5000.00.

You need to find an investment vehicle.
Its give you an income of RM 5000.00 per month.

We assume your return of investment ( ROI) is 5% per year.
You need RM 1,000,000.00 in your EPF at the age of 55 years old.

The following Table showing the different return with EPF Fund.



EPF Fund is RM 1,000,000.00. Its give RM 5000.00
EPF Fund is RM 800,000.00. Its give RM 4000.00
EPF Fund is RM 600,000.00. Its give RM 3000.00
EPF Fund is RM 400,000.00. Its give RM 2000.00
EPF Fund is RM 200,000.00. Its give RM 800.00
EPF Fund is RM 100,000.00. Its give RM 400.00

Now, you can answer it yourself.

If you need help, We have a solution for you.

Please contact rtheng@gmail.com

EPF approved Funds

EPF approved Fund

You can invest use your EPF Fund.

The following are the fund allowed to invest using your EPF Fund.

Equity Fund

Public Index Fund
Public Regular Savings Fund
Public Sector Select Fund

Bond Fund

Public Select Bond Fund

Money Market Fund

Public Money Market Fund

Equity Fund (Shariah)

Public Islamic Dividend Fund
Public Islamic Equity Fund
Public Islamic Optimal Growth Fund
Public Islamic Sector Select Fund
Public Islamic Select Treasure Fund

Balanced Fund (Shariah)

Public Islamic Balanced Fund

Money Market Fund (Shariah)

Public Islamic Money Market Fund

Click Here To See The FUND list

Source : EPF Approved Fund

Your Guide to Lifetime Financial Planning

source : Public Mutual Fund

Launched in December 1998, the book serves as a guide for the individual to plan their lifetime finances. Published by Public Mutual, FF1 provides over 300 pages of easy reading examples, charts, graphs, and information tables. You may take a quiz to determine your risk profile, work out what's in a will, estimate how much insurance you need, or even plan for retirement.
Among the common questions asked are:
Will I have enough money to educate my children through university?
How will I maintain my standard of living during retirement?
If a life-threatening illness strikes, will my loved ones and I pull through without financial hardship?
If you are looking for answers to these questions, this book can be your compass out of that dark, scary financial wilderness. While there is no way to completely insulate ourselves from the external shocks of the financial kind, the right choices we make today can help to result in a positive difference in our future.

Source : Public Mutual

Dollar Cost Averaging - Public Mutual

To elect to invest on a regular basis, you may arrange a Bank Standing Instructions with Public Bank, Public Finance, Maybank Autodebit or Bank Simpanan Nasional. Want to know more about the benefits of regular investment strategy or "dollar-cost averaging" ?

" The Principle of Dollar-Cost Averaging involves a disciplined regular investment technique, which may be applied to maximum effect in unit trust investing. All that an investor has to do is to invest a regular (monthly) sum of money with a selected unit trust fund over a period of time in order to arrive at his target principal investment amount at the end of that period. This way, he does not have to worry about market timing, or where shares prices or interest rates are headed. His regular investment amount will buy his less when the market is up, and more when the market is down. He may be accumulating the units at their lowest average price over the period."

Read On for More

Source : Public Mutual Fund

EPF Member's INVESTMENT SCHEME

Find Out How much you can withdraw from your EPF.

Click Here EPF Withdrawal Estimator

Source : Public Mutual Fund