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TAG313 Penang Wealth Booster - Draft 2
109
Wealth Booster Plus
Date 1
Covid-19 Pandemic Outbreak
New Government UNSTABLE??
Economy stability will be affected...
Zero Savings
CASH FLOW!
News
More & More news
More News
News
Reserve
Where can I put my hard-earned $$$ ?
Bad Economy
FD, without risks?
EPF for retirement?
Share with some risks?
At home?
Bank &
Fixed deposits
History of
Fixed deposit interest rates
in Malaysia
Latest
Fixed Deposit Rate
in Major Banks
AUGUST 2020
AUGUST 2020
August 2020
EPF
for retirement
Share
"Buy low, sell high..."
Is this the right time to buy share?
Worst day on Bursa Malaysia
More room for FBM KLCI
to decline
History of KLCI Index
Negative Oil Price
Overseas Investments
1. How big is our fund?
2. Do we have the "know how"? Are we the expert in foreign market, in different sectors?
3. Do we have the time to monitor closely?
4. Due to the above, can we switch funds according to market changes?
Overseas
HLA Horizon Fund
What is
HLA Horizon Fund?
55%
ZNID
45%
MVO
55%
Zero-coupon Negotiable Instrument of Deposit (ZNID)
Minimum Guaranteed Unit Price
1-10 years = RM 1.00
11-20 years = RM 1.50
21-30 years = RM 2.00
45%
All out!!!
Manage Fund
Equity
Dec
Cash
Bond
Gold
Highly Monitored
.
HLA Horizon48
RM320,000
Actual
Fund Performance
Based on the max. projection set by Bank Negara, which is 10.3%
21.80%
Jan 2020
Let's understand about
HLA Wealth Booster
account today!!!
So where can I put my money?
It's a 3-in-1 account
Voluntary
Retirement
Total Permanent Disability (TPD)
Involuntary
Retirement
Death
Work?
Earn Money?
Voluntary Retirement is...
Ability to RETIRE when we are OLD.
Post-Retirement
Pay Bills!
Age=35, Male
30-year A/C, save 12,000/yr for 6yrs (Total=72,000)
What if this happened...
Total Permanent Disability (TPD)
250,000
Lump Sum Payout
From Yr 0-30:
Involuntary
Retirement
Death
500,000
Lump Sum Payout
From Yr 0-6:
250,000
Lump Sum Payout
From Yr 7-30:
From Yr 0-6:
Age=35, Male
500,000
DEATH
30-year A/C, save 12,000/yr for 6yrs (Total=72,000)
250,000
From Yr 7-30:
DEATH
250,000
From Yr 0-30:
TPD
30yr
6yr
12,000x
RM320,000++
Why open HLA Wealth Booster account today?
Involuntary Retirement
Voluntary Retirement
Total Permanent Disability (TPD)
Post-Retirement
250,000
Lump Sum Payout
From Yr 0-30:
RM320,000++
Death
500,000
Lump Sum Payout
From Yr 0-6:
250,000
Lump Sum Payout
From Yr 7-30:
HLA Wealth Booster
Make a wise choice!
Invest with HLA Wealth Booster!
Since both are saving, what makes the difference between Bank & HLA?
A vs B
BANK A
BANK B
vs
(1)
DEATH
12,000 + 210
(1st year)
600,000
(1st year)
(2)
TPD
12,000 + 210
(1st year)
300,000
+
BANK A
BANK B
vs
(3)
HOW FAST?
18 months or more
2 - 3 weeks
(4)
CREDITORS
Freeze...
Creditors proof!
BANK A
BANK B
vs
(5)
BENEFICIARIES
Beneficiaries
Beneficiaries
- Early Will
- Free & Easy
(6)
PIDM
Up to RM500,000
Up to RM250,000
BANK A
BANK B
vs
(7)
CREDIT CARD
Points & Gifts!
(8)
30 YEARS LATER
RM180,000++
RM116,000++
BANK A
BANK B
vs
(9)
SAVINGS
Parking
Lock-in Savings
BANK A
BANK B
vs
(1)
(6)
DEATH
PIDM
Up to RM250,000
Up to RM500,000
600,000
(1st year)
12,000 + 210
(1st year)
(2)
(7)
TPD
CREDIT CARD
12,000 + 210
(1st year)
300,000
+
Points & Gifts!
(3)
HOW FAST?
(8)
30 YEARS LATER
18 months or more
2 - 3 weeks
RM180,000++
RM116,000++
(4)
CREDITORS
Creditors proof!
(9)
Freeze...
SAVINGS
(5)
BENEFICIARIES
Lock-in Savings
Parking
Beneficiaries
Beneficiaries
- Early Will
- Free & Easy