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Financial Planning

What is Financial
Financial planning is the process of achieving
your life goals by using different investment
options with your current resources through
proper and disciplined money management.
Financial Planning is not only about money, but
it is all about life, about fulfilling your wishes,
dreams, aspirations and your enjoyment in
achieving them.

Why Financial Planning

is required?
Long term and short term objective.
Secure the future of yourself and family.
Unpredicted events (Emergency funds)
Family future protection
Peaceful retirement.

How- Steps in Financial

1. Write your goals and be specific:
When you write your financial goals it will help
you to visualize them. It should be specific and

How- Steps in Financial

2. Identify your time-specific goals:

How- Steps in Financial

3. Priority.
After listing your Financial Goals, its time to
number them according to your priority.

How- Steps in Financial

4. Analysis of your Current Financial Situation
Cash Flow Statement
It will give you the full information of your income
and expenditure.
Net Worth
Net Worth is an overall statement of your assets and
Net Worth = Asset Liabilities

Example: Monthly Cash


Example: Net Worth

How- Steps in Financial

5. Plan your investments towards your financial
Investment Choices: Investor can create wealth
through investment. Two types of investments are

Long Term Investment

1.Unit Trust: It is an investment trust that made up of a pool of funds collected from
many investors, managed by professional fund managers for the purpose of
investing securities such as stocks, bonds and money market instruments.
Types of Unit Trust:.Stable Fund
.Balanced Fund
.Growth Fund
We should review our investment portfolio at least once in a year.

Long Term Investment


Insurance Protection:

Insurance is to provide protection against any unseen eventuality or

financial replacement. So you need adequate Life, Disability,
Accidental, Hospitalization and Critical Illness Insurance. Without
proper protection, your whole financial plan is at risk, because it is the
foundation of the Financial Pyramid.

. Sum insured should be at least 10 to 12 times of the annual gross


. Insurance should not be treated as mode of investment; however it is

a risk cover protection.

Long Term Investment


3. Investment property
It is a real estate property that has been purchased with the intention of earning a return
on the investment (purchase), either through rent (income), the future resale of the
property, or both.
8 Things to Be Kept In Mind before Buying a House: Conduct your own Survey
Find out the current market rates
Make your own Budget
Check on the surrounding infrastructure
Keep an eye for hidden costs
Check on the property

Long Term Investment

4. Gold

It is one of the most popular investment by investors who

generally buy gold as a way of diversifying risk

Potentially Better Returns: Opportunity for greater capital gain

from the appreciation in gold price.

Portfolio diversification: Gold provides a great way to diversify

your investment portfolio with an affordable initial purchase and
subsequent investments.

Better security: Provides a good hedge against inflation.

Long Term Investment

5. EPF Saving
Employees' Provident Fund (Malay: Kumpulan Wang Simpanan
Pekerja) commonly known by the acronym EPF (Malay: KWSP) is
a Malaysian government agency under the Ministry of Finance. It
manages the compulsory savings plan and retirement planning for private
sector workers in Malaysia.
Members Investment Scheme (EPF-MIS) is a scheme that allows EPF
members to withdraw a portion of their savings for investment in unit
trust. Qualified EPF members can choose to invest through fund
management institutions appointed by the Ministry of Finance.
To withdraw from EPF Account 1 for approved unit trust investment, you
must meet minimum withdrawal amount of RM1,000 and above.

In Conclusion
As an investor, you must understand your short term and long term goals
to achieve your financial goals.
By thoughtfully analysing your cash flow and net worth, you can manage
your spending to make the most of the money for future. Understanding
how money moves through your personal financial system right now can
help you cut back on waste, and help you create a realistic financial plan
that can help you walk the path to financial freedom.
Most importantly, you should periodically review your profile & make
changes according to your risk appetite and investment horizon.
Hence, choosing the right investment will determine how much you can
get for your financial goals.

Thank you
This slide has been prepared for information sharing. Our views are
only for reading purpose and it should not be taken as an investment
advice. The readers are requested to make their own research and take
professional advice from a Financial Planner to make the best financial