财务规划之：执照财务规划师有何不同？
执照财务规划师与保险代理员，信托基金代理员，遗嘱代写员，银行前台财务执行员有何不同？
一个合格及有执照的财务规划师，他所给于客户的建议必须以客户的需要为出发点。同时，不是从单一的 “需要”建议而是更全面的 “需要”为考量。例如，一个自雇罗里司机（代称A先生），有一家五口，子女又都幼小家里开销需要他个人承担。假设A先生有意买保险作为储蓄用途但每月却拥有有限的资源。如果站在A先生的初步意愿，当我们以单一的 “需要”建议时，我们必将介绍储蓄保单。但是如果是更全面探讨其需要时，我们发现因为全家靠A先生糊口，因此A先生及其家庭承受着很大风险。所以，以“保障”为出发点的保单对A先生更为重要。
另外，假设我们因发高烧而寻求合格的医生医诊，如果我们连续去3次，三次医生皆给与我们普通退烧药打发我们。另一方面，若我们寻求普通的医护人员的诊断，而同样的，他也提供同样的药方。而最终我们被确定是患上骨痛热症，但因为没有得到适当及及时的建议，在这二者内，谁的责任明显的偏重？ 医生或普通医护人员？
我相信，医生将会面对专业失责的法律责任，而普通医护人员却可能只面对严厉问责而已。差别在于一名专业及合格的医生，他具备了专业的训练及严肃的道德职业操守规范的期望。而普通医护人员却没有。
同样的，执照财务规划师拥有着更严肃的专业执行守则。执照财务规划师必须依据顾客的需要提供适当的建议。包括了，保险产品，投资产品及策略，遗嘱规划等等。若无，他也面对法律追责的风险。
执照财务规划师 与其他代理员#的差别
1．必须完成专业财务规划文凭课程。
#1．不在要求内。
2．受大马证卷监督委员会直接管制及监管。每年更新执照。
#2．只受约于产品公司代理社合约。
3．受国家银行直接管制及监管。每年更新执照。
#3．如以上2
4．每年需完成监管当局的持续进修要求。
#4．不一定。
5． 受到专业道德执业操守的严格监督。
#5．一般作业道德要求。
6．必须以客户需要为出发点，不然将面对失信于专业守则.
#6.受限于产品及收入制度而较偏向于产品为出点
7．能拥有多样化的理财产品来规划符合客户需要。
#7．通常受限于单一公司。
8．因拥有全面地训练，能从多方角度来探讨客户的需要。
#8．通常专注在代理公司的产品。
Sunday, May 2, 2010
财务规划之：医药及疾病保障规划
财务规划之：医药及疾病保障规划
生老病死是人生的常态。而病这环在现今的社会越显得复杂。复杂在于一方面人类的寿命在医学倡盛及政府的全民医疗计划下得以不断的延长。但另一方面随即而来的却是医药及疾病的费用也不断的高升，甚至比人均收入的成长还要快。同时，工业食品的方便，重视味觉多于健康的食物以及现下高压力的生活也造就疾病年轻化又“多元化”的现象。
以下为我总结医药及疾病保障迫切需要的重点及需注意事项。
医药及疾病保障在马来西亚越趋重要性有以下几个重点：
1． 因患病而无法继续工作。
2． 昂贵的医药费。
3． 不断升高的医药费。
4． 政府公共医院无法满足庞大病人的需要。
5． 政府趋向不再津贴国民的医药费。
6． 寻求高素质的医疗照顾。
7． 现代高压力的生活越来越容易被疾病缠上。
8． 患上疾病的年龄越来越年轻。
如果没有医药保障，我们将面对以下风险：
1． 面对双重打击。（病痛的折磨再加上医药费的烦恼）
2． 如何应付日常开销及家庭费用。
3． 连累家人及关心我们的人
4． 无法筹足医药费。
5． 拖延医疗时间。失去最好的医疗时刻。
6． 无法享有最好的医疗照顾。
7． 向亲朋好友借钱的窘境。
8． 向公众筹钱。
购买医药保障须注意事项：
1．可靠及有良好纪录的保险公司
2．须注重保障的范围及利益而不是大保额或低保费。
3．了解保单及保费结构，避免往后不必要的断保。
4．切莫欺骗保险公司，以免得不偿失。
5．寻求可靠的代理员，本身检查确保资料填写正确。
6．确保定时付保费。
7．切记，没有最好的保单，只有最适合你的保单。
生老病死是人生的常态。而病这环在现今的社会越显得复杂。复杂在于一方面人类的寿命在医学倡盛及政府的全民医疗计划下得以不断的延长。但另一方面随即而来的却是医药及疾病的费用也不断的高升，甚至比人均收入的成长还要快。同时，工业食品的方便，重视味觉多于健康的食物以及现下高压力的生活也造就疾病年轻化又“多元化”的现象。
以下为我总结医药及疾病保障迫切需要的重点及需注意事项。
医药及疾病保障在马来西亚越趋重要性有以下几个重点：
1． 因患病而无法继续工作。
2． 昂贵的医药费。
3． 不断升高的医药费。
4． 政府公共医院无法满足庞大病人的需要。
5． 政府趋向不再津贴国民的医药费。
6． 寻求高素质的医疗照顾。
7． 现代高压力的生活越来越容易被疾病缠上。
8． 患上疾病的年龄越来越年轻。
如果没有医药保障，我们将面对以下风险：
1． 面对双重打击。（病痛的折磨再加上医药费的烦恼）
2． 如何应付日常开销及家庭费用。
3． 连累家人及关心我们的人
4． 无法筹足医药费。
5． 拖延医疗时间。失去最好的医疗时刻。
6． 无法享有最好的医疗照顾。
7． 向亲朋好友借钱的窘境。
8． 向公众筹钱。
购买医药保障须注意事项：
1．可靠及有良好纪录的保险公司
2．须注重保障的范围及利益而不是大保额或低保费。
3．了解保单及保费结构，避免往后不必要的断保。
4．切莫欺骗保险公司，以免得不偿失。
5．寻求可靠的代理员，本身检查确保资料填写正确。
6．确保定时付保费。
7．切记，没有最好的保单，只有最适合你的保单。
Saturday, February 20, 2010
Retirment Planning
When we talk about retirement planning, what is our focus?
First we must establish our age of retirement (time horizon to reach there), second the resources we have. Thirdly is our retirement lifestyle.
By clearly understand our current situation, than we could understand whether we can achieve our future retirement goal or not.
For resources, we have two major categories, firstly is the existing what we have? It classified as physical asset that we already accumulate such as properties, cash, equity asset and so on. Another one is the ability we equipped. It included earning power, earning capability, professional skill and others. Secondly, is the future asset we going to accumulate. It included our monthly take home income. Future potential income or asset inherit ate.
After that, we should go to risk profile test. I normally separate it to two tests. The first one is the behavioral risk tolerance. It means, up to what extend our emotional can take it. Like if market fall down 20% or 30% within short time period, we can take it or not? Another test is the risk profile on personal background which measures our physical capability to take risk. Like, a single young income earner and another with full of family commitment guy may have different risk tolerance.
Above process is taking the longest time in investment planning. Because we may do a lot of adjustment on our RISK Tolerance, Time horizon and lifestyle “retune” to reality.
Anyway, above retirement planning normally go to constant income earner like employee who not have much resource and try to accumulate higher fund in long term. For those who have sufficient resources in hand, their planning may different with above people.
Bear in mind, we not necessary to take additional risk if we not need.
First we must establish our age of retirement (time horizon to reach there), second the resources we have. Thirdly is our retirement lifestyle.
By clearly understand our current situation, than we could understand whether we can achieve our future retirement goal or not.
For resources, we have two major categories, firstly is the existing what we have? It classified as physical asset that we already accumulate such as properties, cash, equity asset and so on. Another one is the ability we equipped. It included earning power, earning capability, professional skill and others. Secondly, is the future asset we going to accumulate. It included our monthly take home income. Future potential income or asset inherit ate.
After that, we should go to risk profile test. I normally separate it to two tests. The first one is the behavioral risk tolerance. It means, up to what extend our emotional can take it. Like if market fall down 20% or 30% within short time period, we can take it or not? Another test is the risk profile on personal background which measures our physical capability to take risk. Like, a single young income earner and another with full of family commitment guy may have different risk tolerance.
Above process is taking the longest time in investment planning. Because we may do a lot of adjustment on our RISK Tolerance, Time horizon and lifestyle “retune” to reality.
Anyway, above retirement planning normally go to constant income earner like employee who not have much resource and try to accumulate higher fund in long term. For those who have sufficient resources in hand, their planning may different with above people.
Bear in mind, we not necessary to take additional risk if we not need.
Wednesday, January 27, 2010
students-Scholarship Opportunities
MARA Scholarship Programs
http://www.mara.gov.my/english/division/BPP/default.htm
Yayasan Proton Scholarship
http://www.malaysia-scholarship.com/yproton.html
PTPTN Education Loan
http://ptptn.gov.my/
The Star Education Fund
http://thestar.com.my/edufund
Astro Scholarship Award
http://www.astro.com.my/v5/astrolife/scholarship/
PETRONAS Education Scholarship Programs
http://esu-spmtrial.petronas.com.my/
2007 MNRB Scholarship Fund
http://www.mnrb.com.my/
OCBC Bank Scholarship
http://www.ocbc.com.my/global/aboutOCBC/Gco_Abt_Community.shtm
Bank Negara Scholarship
http://www.bnm.gov.my/
ABM 50th Merdeka Scholarship
http://www.abm.org.my/
Curtin Sarawak Scholarship
http://www.curtin.edu.my/
The University of Nottingham Malaysia Campus High Achievers Scholarships
http://www.nottingham.edu.my/students/MISC/High%20Achievers%20Scholarship
%202006-July06.pdf
HELP University College
http://www.help.edu.my/scholarships/index.php
Adelaide Achiever Scholarships International (AASI)
http://www.international.adelaide.edu.au/future/scholarships/ug/
Curtin University of Technology Scholarship
http://www.emaac.org/
Charles Darwin University Scholarship
http://www.malaysia-scholarship.com/www.cdu.edu.au/engineering/scholarshi
ps_ug_int_eng.htm
Kolej Disted-Stamford Degree Scholarships
http://www.disted.edu..my/
Leeds University Scholarships
http://scholarships..leeds.ac.uk/
Loughborough University Human Science Scholarships
http://www.lboro.ac.uk/
MAAC Scholarship - La Trobe University 2006
http://www.latrobe.edu.au/international/courses/ug.html
NUS / Asean Undergraduate Scholarship
http://www.nus.edu.sg/admissions/undergrad/scholarship/nus_asean.htm
UCL Pathfinder Scholarships
http://www.ucl.ac.uk/
University of Sheffield Scholarship
http://www.shef.ac.uk/malaysia/entry.html
UTAR Scholarships
http://www.utar.edu.my/
Nanyang Technological University Scholarship
http://www.ntu.edu.sg/oad/scholarships/nanyang.htm
Tasmanian International Scholarships
http://www.international.utas.edu.au/documents/internationalApplication.p
df
University of Malaya Fellowship Scheme
http://ips.um.edu.my/
Universiti Malaysia Sarawak Scholarship
http://www.unimas.my/
King Abdullah University of Science and Technology (KAUST Discovery
Scholarship)
http://apply.embark.com/kaust/discovery/
Universiti Malaysia Sabah Scholarship
http://www.ums.edu.my/pasca
http://www.mara.gov.my/english/division/BPP/default.htm
Yayasan Proton Scholarship
http://www.malaysia-scholarship.com/yproton.html
PTPTN Education Loan
http://ptptn.gov.my/
The Star Education Fund
http://thestar.com.my/edufund
Astro Scholarship Award
http://www.astro.com.my/v5/astrolife/scholarship/
PETRONAS Education Scholarship Programs
http://esu-spmtrial.petronas.com.my/
2007 MNRB Scholarship Fund
http://www.mnrb.com.my/
OCBC Bank Scholarship
http://www.ocbc.com.my/global/aboutOCBC/Gco_Abt_Community.shtm
Bank Negara Scholarship
http://www.bnm.gov.my/
ABM 50th Merdeka Scholarship
http://www.abm.org.my/
Curtin Sarawak Scholarship
http://www.curtin.edu.my/
The University of Nottingham Malaysia Campus High Achievers Scholarships
http://www.nottingham.edu.my/students/MISC/High%20Achievers%20Scholarship
%202006-July06.pdf
HELP University College
http://www.help.edu.my/scholarships/index.php
Adelaide Achiever Scholarships International (AASI)
http://www.international.adelaide.edu.au/future/scholarships/ug/
Curtin University of Technology Scholarship
http://www.emaac.org/
Charles Darwin University Scholarship
http://www.malaysia-scholarship.com/www.cdu.edu.au/engineering/scholarshi
ps_ug_int_eng.htm
Kolej Disted-Stamford Degree Scholarships
http://www.disted.edu..my/
Leeds University Scholarships
http://scholarships..leeds.ac.uk/
Loughborough University Human Science Scholarships
http://www.lboro.ac.uk/
MAAC Scholarship - La Trobe University 2006
http://www.latrobe.edu.au/international/courses/ug.html
NUS / Asean Undergraduate Scholarship
http://www.nus.edu.sg/admissions/undergrad/scholarship/nus_asean.htm
UCL Pathfinder Scholarships
http://www.ucl.ac.uk/
University of Sheffield Scholarship
http://www.shef.ac.uk/malaysia/entry.html
UTAR Scholarships
http://www.utar.edu.my/
Nanyang Technological University Scholarship
http://www.ntu.edu.sg/oad/scholarships/nanyang.htm
Tasmanian International Scholarships
http://www.international.utas.edu.au/documents/internationalApplication.p
df
University of Malaya Fellowship Scheme
http://ips.um.edu.my/
Universiti Malaysia Sarawak Scholarship
http://www.unimas.my/
King Abdullah University of Science and Technology (KAUST Discovery
Scholarship)
http://apply.embark.com/kaust/discovery/
Universiti Malaysia Sabah Scholarship
http://www.ums.edu.my/pasca
Wednesday, December 2, 2009
About me (English)
Nicholas Chu (CFP,IFP,RFP)
Licensed Financial Adviser Representative
(licensed by Bank Negara Malaysia)
Licensed Financial Planner (CMSRL)
(licensed by Securities Commission Malaysia (CMSRL/A8904/2008)
Founder of Max Growth Wealth Planning and Management
Licensed Representative of Company
1. Financial Adviser Representative
Great Vision Financial Advisory Sdn Bhd
2. Financial Planning Representative
Phillip Wealth Planner Sdn Bhd
Education Background:
CFP (Certified Financial Planner) by FPAM.
IFP (Islamic Financial Planner) by FPAM
RFP (Register Financial Planner) by MFPC.
B. Mgmt (Hons) MMU
LCCI Certificate
Study Master of Phil with MMU (Topic of: The Malaysian saving and investment behavior”.
Professional Courses Attended
International “Money & You” 3Days 2 nights Program conducted by Taiwan Famous Trainer Wilson Lee Wei Sian
“EMBA Executive Program year 2008”, Conducted by Taiwan DOER’S Education Group.
Stephen R.Covey. “The 7 Habits of Highly Effective People” 3days Program.
Anthony Robbins “Wealth Mastery Program ~ Essential Strategies for Financial Freedom”, 4 days 3 nights in Singapore 2009.
“Wining for Life” 2days 1night Program Conducted by Taiwan DOER’S Education Group.
“Wealth Destruction and Rehabilitation – Helping Malaysian Retirement Clients Thrive” by Malaysia Famous Wealth Trainer Mr. Rajen Devadason
Besides above, I also frequently attended various International & Local Conference, Seminar, courses and so on.
Working background:
14 years working experience and had more than 5years experience in Financial Planning Industries. One of the pioneer people has both Bank Negara Financial Adviser Representative License and Securities Commission Financial Planning Representative License.
Currently holding Young Malaysia Movement (YMM) Melaka State Chairman and also serve as membership chairman in FPAM Melaka Chapter Committee.
Philosophy In Financial Planning industry.
I strongly believe a successful career in financial planning is “TRUST”. I believe only my client success will bring me success. My concept of serving is “My Client will be my best friend and my best friend is part of my family member.”
Licensed Financial Adviser Representative
(licensed by Bank Negara Malaysia)
Licensed Financial Planner (CMSRL)
(licensed by Securities Commission Malaysia (CMSRL/A8904/2008)
Founder of Max Growth Wealth Planning and Management
Licensed Representative of Company
1. Financial Adviser Representative
Great Vision Financial Advisory Sdn Bhd
2. Financial Planning Representative
Phillip Wealth Planner Sdn Bhd
Education Background:
CFP (Certified Financial Planner) by FPAM.
IFP (Islamic Financial Planner) by FPAM
RFP (Register Financial Planner) by MFPC.
B. Mgmt (Hons) MMU
LCCI Certificate
Study Master of Phil with MMU (Topic of: The Malaysian saving and investment behavior”.
Professional Courses Attended
International “Money & You” 3Days 2 nights Program conducted by Taiwan Famous Trainer Wilson Lee Wei Sian
“EMBA Executive Program year 2008”, Conducted by Taiwan DOER’S Education Group.
Stephen R.Covey. “The 7 Habits of Highly Effective People” 3days Program.
Anthony Robbins “Wealth Mastery Program ~ Essential Strategies for Financial Freedom”, 4 days 3 nights in Singapore 2009.
“Wining for Life” 2days 1night Program Conducted by Taiwan DOER’S Education Group.
“Wealth Destruction and Rehabilitation – Helping Malaysian Retirement Clients Thrive” by Malaysia Famous Wealth Trainer Mr. Rajen Devadason
Besides above, I also frequently attended various International & Local Conference, Seminar, courses and so on.
Working background:
14 years working experience and had more than 5years experience in Financial Planning Industries. One of the pioneer people has both Bank Negara Financial Adviser Representative License and Securities Commission Financial Planning Representative License.
Currently holding Young Malaysia Movement (YMM) Melaka State Chairman and also serve as membership chairman in FPAM Melaka Chapter Committee.
Philosophy In Financial Planning industry.
I strongly believe a successful career in financial planning is “TRUST”. I believe only my client success will bring me success. My concept of serving is “My Client will be my best friend and my best friend is part of my family member.”
Saturday, November 28, 2009
您正在寻找具有专业知识同时合格执照的财务规划师吗?
您正在寻找具有专业知识，广泛经验同时更具有合格执照的财务规划师吗？
市场上充斥着各式各样披着“财务规划师”或“财务顾问”的产品销售员让您无从分辨吗？
首先，本人在此向您介绍个人背景。
在2008年获取
大马证卷委员会财务规划师代表执照
同时在2009年4月首50位获取
大马国家银行财务顾问代表执照。
专业文凭方面，本人拥有合格财务规划师文凭，简称CFP。及注册财务规划师文凭，简称RFP。学术上，本人完成管理荣誉学士学位。
在此与您分享我个人的服务
财务规划师要确实执行的六步骤是，
一， 建立与确认个人与客户双方的信任关系。
二， 收集个人资料並协助擬定个人人生目标与期望。
三， 客观的分析与评估个人的资料以确定其整体财务情況。
四， 共同制定並了解整体的财务计划。
五， 实行共同拟定的财务计划。
六， 检视与监控财务计划的进度。
个人服务方面涵盖了接近所有个人及家庭财务规划的需要：
一， 风险规划
二， 投资规划
三， 遗嘱及资产分配规划
四， 孩子教育基金规划
五， 退休规划
六， 财务独立自主规划
七， 税务规划
服务方式；
一， 单一需要规划事项
二， 长期聘约事项
收费方式；
一， 顾问费
二， 产品佣金
在投资方面，本人具有忠实义务，在于确保五个步骤的投资流程投資流确实执行，
一， 分析当下的状况(Analyze Current Position)。
二， 分散化－投资组合资产配置(Diversify-Allocate Portfolio)。
三， 拟出 正式投資策略(Formalize Investment Policy)。
四， 执行投资策略(Implement Policy)。
五， 追踪与监督(Monitor and Supervise)。
通过IPW 投资策略分析报告了解您的投资宗旨，风险承受度及对投资的期待。以这些资料来辅助设计一个以您为依归的投资策略。在投资策略的规划内包涵了分散投资的投资组合如何编排。委托经理人操作时留意较低的管理成本会忧于较高的管理成本，经理人的管理风格及策略。拟定策略的优先顺序由重要到不重要依序是：投资期限，资产种类，资产比例，次资产种类与比例，最后才是挑选那个经理人，基金，ETF 或股票。
市场上充斥着各式各样披着“财务规划师”或“财务顾问”的产品销售员让您无从分辨吗？
首先，本人在此向您介绍个人背景。
在2008年获取
大马证卷委员会财务规划师代表执照
同时在2009年4月首50位获取
大马国家银行财务顾问代表执照。
专业文凭方面，本人拥有合格财务规划师文凭，简称CFP。及注册财务规划师文凭，简称RFP。学术上，本人完成管理荣誉学士学位。
在此与您分享我个人的服务
财务规划师要确实执行的六步骤是，
一， 建立与确认个人与客户双方的信任关系。
二， 收集个人资料並协助擬定个人人生目标与期望。
三， 客观的分析与评估个人的资料以确定其整体财务情況。
四， 共同制定並了解整体的财务计划。
五， 实行共同拟定的财务计划。
六， 检视与监控财务计划的进度。
个人服务方面涵盖了接近所有个人及家庭财务规划的需要：
一， 风险规划
二， 投资规划
三， 遗嘱及资产分配规划
四， 孩子教育基金规划
五， 退休规划
六， 财务独立自主规划
七， 税务规划
服务方式；
一， 单一需要规划事项
二， 长期聘约事项
收费方式；
一， 顾问费
二， 产品佣金
在投资方面，本人具有忠实义务，在于确保五个步骤的投资流程投資流确实执行，
一， 分析当下的状况(Analyze Current Position)。
二， 分散化－投资组合资产配置(Diversify-Allocate Portfolio)。
三， 拟出 正式投資策略(Formalize Investment Policy)。
四， 执行投资策略(Implement Policy)。
五， 追踪与监督(Monitor and Supervise)。
通过IPW 投资策略分析报告了解您的投资宗旨，风险承受度及对投资的期待。以这些资料来辅助设计一个以您为依归的投资策略。在投资策略的规划内包涵了分散投资的投资组合如何编排。委托经理人操作时留意较低的管理成本会忧于较高的管理成本，经理人的管理风格及策略。拟定策略的优先顺序由重要到不重要依序是：投资期限，资产种类，资产比例，次资产种类与比例，最后才是挑选那个经理人，基金，ETF 或股票。
Thursday, October 29, 2009
投资的的盲点
投资的的盲点
今天，看到一个基金报表写着2005 至2009年回酬为25%，20%，25%, （-45%）, 30% . 对于一个普通投资者来说，总以为总投资回酬为55% （25+20+25-45+30）。我相信，一些信托基金代理员也以如此说法来鼓励人们投资。
其实真实回酬只有34%。 打个例子：投资RM100。
第一年 ： RM100 X 25% =RM125
第二年 ： RM125 X20% = RM150
第三年 ： RM150 X 25% = RM187.50
第四年 : RM187.50 X (-45%) =RM103.125
第五年 : RM103.125 X 30% =RM134.06
盲点的出现在于我们太过简易投资回酬的计算。
因此，如果我们每损失一成，我们必须以双倍的回酬来填补。例如，RM100 的投资损失50%既是RM50， 那么要到回去RM100，我们接下来的回酬必须是100% （RM50 的100% ）
认识这个概念将有助于我们更小心 的进行投资规划。
今天，看到一个基金报表写着2005 至2009年回酬为25%，20%，25%, （-45%）, 30% . 对于一个普通投资者来说，总以为总投资回酬为55% （25+20+25-45+30）。我相信，一些信托基金代理员也以如此说法来鼓励人们投资。
其实真实回酬只有34%。 打个例子：投资RM100。
第一年 ： RM100 X 25% =RM125
第二年 ： RM125 X20% = RM150
第三年 ： RM150 X 25% = RM187.50
第四年 : RM187.50 X (-45%) =RM103.125
第五年 : RM103.125 X 30% =RM134.06
盲点的出现在于我们太过简易投资回酬的计算。
因此，如果我们每损失一成，我们必须以双倍的回酬来填补。例如，RM100 的投资损失50%既是RM50， 那么要到回去RM100，我们接下来的回酬必须是100% （RM50 的100% ）
认识这个概念将有助于我们更小心 的进行投资规划。
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