We had seen many changes happened in the past few years in financial planning industry. I feel so lucky to be a part of Lion Team Advisors Berhad(LTA). LTA had successfully applied both the 2 major financial planning licenses in Malaysia. First is the Investment Planning license issued by Security Commission. The second which is the Financial Advisory license issued by Bank Negara. LTA is offering associate package known as Lion Advisor, in order for ...

There are 3 common strategies used in unit trust investment.1. Ringgit Cost AveragingRegularly invest a fix amount in a unit trust fund regardless of market trend is called the Ringgit Cost Averaging strategy. The actual market performance is fluctuating. When the equity market is high, you buy less unit with the same amount. When the market is low, you buy more unit. For long term, you will get much more unit in the lower price range.2. Portfolio Re-balancingPortfolio re-balancing is the process of bringing the different asset classes back into ...

Buying insurance will not ensure that all the problems of the deceased are well taken care of. The might be some unforeseen problems after buying the insurance. I had helped some clients to solve the following problems which usually never being thought of by most parents with young children. Parents with young children normally bought adequate life insurance policy to replace the income loss in case something happens. Usually the father nominates the wife as beneficiary. Meanwhile, mother nominates children as beneficiaries. Most of the time both parents travel together, whether ...

The unit trust sales in Malaysia is meeting new height every year. Thanks to the awareness of the public and also the hardworking sales force.For investor of unit trust, Ringgit Cost Averaging (RCA) is a common term. It means investing regularly with a fixed amount of money periodically for long term.More about RCA illustration, can refer:CIMB Asset ManagementAffin Trust ManagementThe advantages of this strategy are simply:1. buy more when it is cheap2. buy less when it is expensive3. not much to worry about timing the Mr. MarketEven if you invest ...

Recently I read an article by Rajen Devadason published in the Malaysian Business magazine February 16-28th, 2007. I think it is a great gem.Here, I will summarize some of the concepts written by Rajen. I found that there are 3 parts of our money spent according to 3 time continuum.1. Spending for the pastIf we committed some debt in the past, such as housing loan, car loan or credit card debt, there is a portion of our present income set aside to pay for all these. Those are the expenses ...

I just learnt this a few weeks back after attending a workshop of Lion Advisors.We were learning some solution packages for the local business people. The speaker talked about the problems most businessmen face.No matter you run your business in partnership, or Sdn. Bhd., or sole proprietor, you will find a great sleeping business partner. This partner will come into your business when you start making profit. He will share a portion of your hard earn profit. You have to pay him his share of the profit regardless of whether ...

CCR vs ROI : Normally these 2 terms are always used in real estate investment. For example, Mark bought a residential apartment in KL for RM100,000.After 1 year, the property appreciated to RM120,000. To calculate the ROI, which is the return on investment.ROI = (120,000 - 100,000)/100,000 = 20%Let's assume that Mark only paid RM10,000 (10%) down payment for his initial purchase. After including the legal and transaction fees about RM5,000, and also paying the installment of RM600/month for a whole year, the total amount of cash he put in ...

There will be no complicated mathematic equation in this post. To accumulate wealth, we just need to maximize the below most important elements. Saving This is how much we are able to keep the hard earned money to ourselves. Can we save RM300/month, or RM2/day, or RM50,000/year? Pay yourself first! Time We must give enough time for our money to work for us. The younger we are to start saving, the better it is. Return Rate of return is normally associated with the amount of risk we are willing to take. If you know an ...