An author at such an age is unbelievable! You one of the few Malays in this crop of generation that is starting to set the barometers of excellence. Well done.

PS: I know you have yet to send it to be reviewed by the publishers but nevertheless,I wish you the best of luck. If it doesn’t materialize,either way,you’re gonna be a somebody! I know it,cause my spider sense is tingling.hehe.

Anyone reading this blog right now.

Do post any queries that you have on insurance, savings and investments.

I will answer it here and will elaborate more on it, in the book, that I am currently writing. I wish to help, enlighten and educate more people out there with my humble knowledge and experience….

I will like to thank all those who has supported me by contributing ideas through these blog posts, through email and those who called me directly!

Thank you so much for you support! I truly appreciate your help. You, sporting people get me going…. (BIG SMILE)

Last but not least….I will like to assert that…..This book is not my book. This book is YOUR book. It comes together through YOUR collective suggestions. Your critical, constructive ideas. I am just your humble servant, cranking my brain to deliver my detailed findings to you. You simply deserves the BEST!

People buy people.

People talk to you because they like you. But people buy from you because they TRUST YOU.

Our profession as a financial consultant is simple but not easy.

Our job is to motivate clients to make decisions that is consistent to our findings. We have conducted our obligations well, as long as we have done our very best to educate clients of what, they really need.

I guess…I work by the motto. Practice what you preach.

Show you clients what you have, why you have it and why you believe, THEY SHOULD HAVE IT TOO! Explain to them on the rationale…

Insyallah… God will open up their heart, their mind and their soul to be righteous, responsible and take personal charge of their own financial life. Amin!

Usually before we recommend any investments plans to our client, we will determine their risk profile by asking a few important questions.

1) What is your objectives of savings you money? (the purpose)
2) How long,can you stay invested before liquidating your money? (investment time frame)
3) How much do you expect to make?
4) Is it is more important to make money, then to protect them? (Rank 1 to 5)
5) Able to endure short term flunctuations? (Rank 1 to 5)
6) Do not need to withdraw money before stated investment horizon?

So, you see, different people have different risk profiles.

Different risk profiles will lead to different recommendations to which financial instruments is the BEST to cater for the client!