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017-576 8576
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Homenews
  • 每月有闲钱想投资,该怎样?

    • February 26, 2018
    • Posted by: Choon Hong Wong
    • Category: Financial Planning, Investment
    No Comments

    这是本人今天在星洲日报的文章,解答读者一些关于理财与投资的问题,以及还没开始投资前需要注意的事项。 欲阅读,可点击以下链接: http://www.sinchew.com.my/node/1731051/每月盈餘1400%E2%80%A7想投資銀行股定存股

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  • US stock market crash, do retail investors need to escape quickly?

    • February 10, 2018
    • Posted by: Choon Hong Wong
    • Category: Investment
    No Comments

    The Dow Jones Industrial Average (DJIA) and Standard & Poor’s 500 Index (SPX) both fell into correction territory on Thursday, meaning they are down 10% from a recent peak. This recent turbulence in the U.S. stock market has led investors searching for a strategy to navigate the volatility and protect their capital. Let’s explain the possibility of this

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  • How to pay your insurance premium via online banking

    • January 19, 2018
    • Posted by: Choon Hong Wong
    • Category: Guide
    No Comments

    Inconvenient to go for insurance premium payment over the counter? You can pay your insurance premium through online banking following the steps below. Step 1 Login to your online banking account and click “Bill Payment” on the left   Step 2 Select “Make a one-off payment”. You can also add the insurance company as your

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  • 新的一年,如何理财?

    • January 1, 2018
    • Posted by: Choon Hong Wong
    • Category: Financial Planning
    No Comments

    旧的一年已结束,每到新年,人人都会有自己的目标(new year resolution),当然在财务方面也会不会例外。笔者经常在新年期间听到身边的人说,“过去的就让它过去吧,我们要向钱看!” 一年的规划始于新年的前一天,如果你在新的一年想在自己的财务方面有更好的进展,以下有几项是你需要注意的:   检视自己的财务健康 Financial Health Check 你有多久没有检查自己的财务报表了?在新年时拨出一两个小时的时间,看看去年的现金流列表有没有跟着你的预算实行。如果有的话,我要恭喜你!没有的话,今年开始就要好好实行咯。 除了现金流列表,也要看一看自己的个人净值,就是所谓的资产负债表。看看自己的资产和投资是否有增长,如果有的话,又增长多少?没有的话,今年要如何做调整?债务方面还是可以管理的水平吗?   做年度、季度和每月预算 新年的一开始是让你准备你的财务预算最好的时机。国家有财政预算,你也应该有自己的财政预算。你可以从自己的预算设定生活开销、储蓄、投资、自我成长、尽情享乐等。 注意:你要分配的是税后收入 想要不被钱控制,就要先能控制钱的去向。做预算的主要目的是分配未来的钱要花在哪里。每当有一笔收入进来时,身为主人的你有绝对的责任告诉它们该去哪里。 如果你从来没有做过这一方面的预算的话,就从今年就开始吧!   债务管理 Debt Management 这是承接第一项里的个人负债表。确保自己的债务处于可管理的水平。你也可以通过获取CCRIS和CTOS报告来检查你的信用评分。 接下来看看是否有按时还清信用卡债,是否有其他的账单还没缴付?   规划你的税务策略 Tax Strategy Planning 如果你的收入达到被征税的水平,就应该看重这一项了。检视在税务方面还有什么是可以让你用来节省所得税,从而提高你的可支配收入(disposable income)的策略。 当中有什么是年头就要开始做得,又有什么是不能等到年尾才来做的?做好税务规划可以让你有效率地累计资产。   保单健检 Insurance Policy Review 衣服不合适了你会买新的,鞋子不合脚了你会再为自己的鞋柜添新鞋,那你可有为自己的保障和医疗做足了准备? 你手上的保单的保额足够保障你的家人吗?医药卡的额度是否足够?新增的家庭成员和新买的产业也投保了吗? 保险虽然不能让你致富,但它提供的防护网能让你免于贫穷。   检讨你的投资组合 Investment Portfolio Review 每个人都需要投资来和通膨抗衡和累计财富。相信看着的你也知道投资的重要性。 你的投资组合还跟你的投资目标和风险承受度一致吗?当中的资产配置还属于平衡状态吗?流动性足够吗? 新年是一个重组你的资产配置的好时机。   检查遗嘱与受益人提名 Will Review and Nomination 万一自己忘记回家,累积的资产和债务应该怎么办?(你的汽车、房子和收藏品也是你的资产) 你的公积金和保险已经提名受益人了吗?当中是否有更改的必要?新买的产业有放进遗嘱吗?遗嘱会因为结婚而失效,刚结婚的你,已经重写了吗?

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  • Placement and withdrawal for Money Market Fund

    • November 25, 2017
    • Posted by: Choon Hong Wong
    • Category: Financial Tools, Guide
    No Comments
    Click here if you want to open an online Unit Trust account for free. Phillip Master Money Market Fund details here.   Placement of Money Market Fund 1. Login to your eUnittrust account 2. Go to Transaction Management --> Buy, Sell and Switch --> Buy --> Select "Phillip Master Money Market Fund" --> Add Fund
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  • Money Market Funds – Short Term Parking Place for your cash

    • November 25, 2017
    • Posted by: Choon Hong Wong
    • Category: Financial Tools, Investment
    No Comments
    Money Market Funds -Short Term Parking Place for your cash- Money markets funds have been a literal explosion among small businesses and big corporation in recent years. However, it is not common among retail investor as agent / consultant does not get any commission for promoting this liquid investment tool. The concept of a money
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