1.

Own vs Rent (Pros & Cons)

2. What should us consider before buy a house (Value, location, quality, income, tax,
legal fee and sampling fee, management fee)
3. Why invest in mutual fund, fd, property, bonds

Mutual fund is diversification. A mutual fund holds a variety of investment which can
make it easier for investor to diversify than through ownership of stock or bonds. Next,
mutual fund have a professional management. Mutual fund allows you to pools your money
with other investor, and then leave the investment decision to a portfolio manager. Moreover,
mutual fund provide liquidity, you can sell your fund units anytime easily.

Fixed Deposit is one of the safest investment. Fixed deposit in Malaysia are protected by
PIDM to protect against loss of principal when bank failure. On maturity, return investor will
get is the principal and the interest earned.

4. Why insurance
5. Market Performance (1q uni trust)
6. Mechanism of insurance (eg:deductable?)
7. Explain Retire Now, Save Later step

First step is to set your goals. Ask yourself few questions, how costly a lifestyle will you
lead, will you travel and so on.

Next step is to estimate how much will you need. Turn your goals into dollars by
estimating how much will you need. Start with 70% to 80% of current living expenses to
calculate the cost to support yourself after retire. Include the tax that will incur.

Third step is to estimate income at retirement. Figure out how much you will have after
knowing how much you need. You should include social security benefits and determine
what your pension will pay.

Forth step is to calculate the annual inflation-Adjusted Shortfall. You need to compare
the retirement income needed with the retirement income you will have.

Fifth step is to calculate how much you need to cover this shortfall. You need to know
your annual shortfall in your retirement funding. Besides that, know how much must be saved
by retirement to fund this shortfall.
 Sixth step is determine how much you must save annually between now and retirement.
Put money away little by little, year by year. You can do this by using online retirement
planning website.

Last step is to put the plan in play safe. This is the hardest step of the planning process..
Make sure you have a list of choices before making a choice.

8. Why investor choose stock, bonds over mutual fund

When you buy stock, you’re part of the company. Stockholder can receive two types of
return which are dividends and capital appreciation. Dividends is the company distribution of
profit to stockholder but there is no guarantee payment. Capital appreciation is the increase in
stock price when the company performing well.

Bonds is a safe investment that provide steady income. Bonds reduce risk through
diversification.