Elvis of Malaysia at Something Else

IC Church Penang Xmas Concerto

Save RM250 monthly, get Tax Relief RM3,000 annually plus FREE Takaful insurance

Now is the time to save and claim your income tax deductible contributions to PRS (Private Retirement Scheme) and be covered by FREE insurance.
Discover the power of RINGGIT COST AVERAGING, saving a fixed amount of money every month over the long term.

For illustration:
Monthly Saving            RM250.00
Annual Interest Rate     8%
Compounding Interval  Monthly
No. of Years                  30

Future Value                  RM375,073.79
Total Deposits               RM90,000.00
Interest Earned             RM285,073.79

Science of Spirituality SOS Delhi 17 Sep 2016

Science of Spirituality-Delhi-16.9.2016

Increase Your Monthly Income even when Ringgit goes down

HOW PREPARED ARE YOU TO COMBAT 
WEAKENING PURCHASING POWER ?

1. RINGGIT DEPRECIATION

CIMB .. ringgit could head to RM4.80

2. INFLATION due to

• 6% GST
• Subsidy Removals

Prices of Petrol Up, Cooking Oil Up, Sugar Up, Flour Up, Tolls Up
Cost of living gone up many folds.
Value of your bank fixed deposits and savings in EPF diminishing everyday.


STRATEGIES FOR INCOME GROWTH:

1. HEDGE THE RINGGIT

• Invest in Properties ... (beyond the reach of many)
• Foreign Currency Bank Deposits ... (not for small investors and interest rate returns too low)
• Invest Off-shore ... (not for small investors)
• Unit Trust Funds that benefit from Ringgit Volatility     
• Minimum investment RM1,000 only, in funds with high foreign exposure
• EPF lately approved funds with more than 30% foreign equity
• Top foreign equity funds that gave 8% to 18% in a 3-months return:

    

 2. DOLLAR COST AVERAGING
... by investing a fixed amount every month to ride the market volatility and increasing as your income increases.


PEACE OF MIND INVESTING METHOD

Strategy: Select 6 funds with different financial year-end
Result: Get increasing monthly income for life without drawing down your assets.

How would you like to have peace of mind, passive investing? No need to understand Rocket Science or have a degree in Financial Planning?

You can start to receive RM800 to RM15,000 a month* starting next month, not in 1 year or 5 to 8 years!

And receive monthly* for life and pass down to your children, without drawing down your assets?

1. Select from these 10 funds that have been giving 8% to 15% per annum returns for the last 10 years;

2. *Select 6 funds with different financial year-ends, that is you time the distributions over one, two, three months;

3. In each fund, invest RM20,000 (total RM120,000) and you will get average RM800 to RM1,500 per month;

4. Invest RM200,000 (total RM1,200,000) in each fund to get average RM8,000 to RM15,000 a month.

5. And Welcome To A World Of Golden Privileges:

CONCLUSION
Inflation Rate: 2%? 3%? 7%? 12%?
Are your savings/investments returns higher than rate of inflation?
Ringgit Depreciation Rate: 20%? 30%?
Are you hedging your Ringgit?

DISCLAIMER: This is not a solicitation for investment. Prices of units and distribution, if any, may go up or down. If in doubt, please consult a professional adviser.

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