Lowyat.NET: Latest topics by eternity4life

(WTS) UNIT TRUST (1-2% SC), INSURANCE, OFFSHORE

eternity4life — Fri, 10 Apr 2015 02:00:17 +0800

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WHY STICK WITH A TIED AGENT TO PROVIDE YOU WITH FINANCIAL ADVISE? GO WITH INDEPENDENT FINANCIAL ADVISERS INSTEAD!!!
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HI! I WORK AS AN INDEPENDENT FINANCIAL ADVISER (IFA) FROM A FINANCIAL PLANNING FIRM LICENSED BY SECURITIES COMMISSION AND BANK NEGARA.

SO, WHAT ARE THE ADVANTAGE OF AN IFA? THEY ARE NOT TIED TO ANY PRODUCT PROVIDERS AND HAVE ACCESS TO MULTIPLE PRODUCTS FROM MULTIPLE PROVIDERS IN THE MARKET.

FOR AN EXAMPLE, INSTEAD OF ONLY BEING ABLE TO SELL CIMB FUNDS EXCLUSIVELY LIKE CWA, I CAN SELL UNIT TRUST FROM KENANGA, EASTSPRING, RHB OSK AND OF COURSE, INCLUSIVE OF CIMB.

EVEN WHEN IT COMES TO INSURANCE, I CAN SELL INSURANCE FROM GREAT EASTERN, ALLIANZ, PRUDENTIAL, AIA AND MANY MORE. THE ADVANTAGE OF THIS? I CAN GIVE GOOD PERSPECTIVE OF WHICH PRODUCT IS MOST SUITABLE FOR YOU AND NOT OBLIGATED TO SELL CERTAIN PRODUCTS THAT SUCK (LIKE WHAT CERTAIN TIED AGENTS HAD TO DO).

SO, SOME OF THE SERVICES I OFFER ARE :

1) WRAP ACCOUNT (1-2% Sales Charge, 1% WRAP Fee P.A.) (EITHER IFAST CAPITAL OR PHILLIP MUTUAL) -

- WRAP ACCOUNT IS AN ONLINE UNIT TRUST PLATFORM WHICH GAVE YOU ACCESS TO AROUND 300 TYPES OF FUNDS IN THE MARKET.

- THROUGH WRAP ACCOUNT, YOU CAN CREATE AN INVESTMENT PORTFOLIO UNDER ONE ACCOUNT WHICH YOU CAN EASILY DO PORTFOLIO REBALANCING AND SWITCHING FOR FREE OF CHARGE. THE USUAL CHARGES FOR SWITCHING IS BETWEEN 1-5%, WHERE IT IS VERY HIGH IF IT IS BETWEEN DIFFERENT FUND HOUSES.

- SERVICES OF PORTFOLIO SUCH AS REBALANCING AND PORTFOLIO RECOMMENDATION CAN ALSO BE DONE BY THE SERVICING ADVISER.

- NORMAL AGENTS (LIKE PUBLIC MUTUAL AGENTS) USUALLY CHARGE 5% PER INVESTMENT ON UNIT TRUST EQUITY FUNDS.

- SOME FUNDS AVAILABLE ARE CIMB PRINCIPAL, KENANGA, EASTSPRING, RHB OSK, AMB, ABERDEEN AND MANY MORE. DO PM ME IF YOU WANT THE LIST OF ALL FUNDS AVAILABLE. MOSTLY SIMILAR TO FUNDSUPERMART.

2) EPF INVESTMENT (3% Sales Charge) -

- WITHDRAW MONEY FROM EPF WHICH GAVE YOU ONLY 4-6% RETURN PER YEAR TO INVEST ON UNIT TRUST WHICH CAN GIVE YOU MORE THAN 9% RETURNS. ONLY USEFUL FOR LONG TERM INVESTMENT DUE TO THE SLIGHTLY HIGH FRONT-END FEES.

- THE DIFFERENCE OF RETURN IF YOU MISS OUT THIS OPPORTUNITY IS ENORMOUS!! DON'T MISS THIS CHANCE IF YOU ARE STILL MORE THAN 10 YEARS AWAY FROM RETIREMENT AGE!!

3) LIFE INSURANCE AND MEDICAL CARD -

- ALTHOUGH MOST WOULD BELIEVE ALL INSURANCE ARE SIMILAR, THERE ARE RELEVANT DIFFERENCES BETWEEN INSURANCE AS EACH HAVE THEIR OWN STRENGTHS AND WEAKNESSES.

- I CAN PROVIDE QUOTATION AND ADVISORY FOR INSURANCE OF THE COMPANY BELOW :

+ GREAT EASTERN
+ ALLIANZ
+ AIA
+ PRUDENTIAL
+ HONG LEONG ASSURANCE
+ AMMETLIFE
+ TAKAFUL MALAYSIA
+ MANULIFE
+ ZURICH

4) PRIVATE RETIREMENT SCHEME - GRAB THIS OPPORTUNITY TO INVEST FOR YOUR RETIREMENT

- PROVIDE RM 3000 TAX RELIEF FOR YOUR INVESTMENT

- RM 500 YOUTH INCENTIVE TO INVESTORS BETWEEN 20-30 YEARS OLD WHICH INVEST MORE THAN RM 1000.

5) OFFSHORE LIFE INSURANCE, INTERNATIONAL MEDICAL CARD AND OFFSHORE INVESTMENT FUNDS -

- THROUGH ARCHIPELAGO AND HANSARD INTERNATIONAL. ACCESS TO AROUND 3000 TYPES OF FUNDS FROM INTERNATIONAL FUND HOUSES LIKE JP MORGAN, BLACKROCK, VANGUARD, CREDIT SUISSE AND MANY MORE.

- OFFSHORE FUNDS ARE GOOD IF YOU WANT TO LEVERAGE ON INVESTMENT CONFIDENTIALITY AND INVESTMENT THROUGH FOREIGN CURRENCIES LIKE USD OR SGD

6) WILL WRITING - THROUGH ROCKWILLS OR AMANAH RAYA.

IF YOU ARE INTERESTED IN ANY OF MY SERVICE. DO PM ME. I WON'T CHARGE ANY ADVISORY FEE FOR THE TIME BEING.

Archipelago Alpha Endowment Series

eternity4life — Mon, 23 Mar 2015 21:49:13 +0800

Archipelago Alpha Endowment Series

Best returns for USD!

Fixed 10% return for 18 months endowment issued by Labuan licensed and registered insurer!

USD $20k minimum investment with multiple additions of USD $10k. Max investment of USD 1M.

Return is tax free, capital protected.

Corporation, association or partnership is allowed.

Monies can be received from any country and transferred offshore once endowment matures.

Offer until 31st of March 2015.

WRAP Account (0% Sales Charge for Unit Trust)

eternity4life — Fri, 13 Feb 2015 23:22:23 +0800

Hi Everyone!

Providing a service of a unit trust account called WRAP account.

WRAP account is an account which allows you to freely buy, sell and switch unit trust online. The account wrapped multiple unit trust funds from multiple fund houses. There are around 200+ funds available including funds from Kenanga, Eastspring, RHB-OSK just to name a few.

This means you have access to multiple funds of different fund houses and can easily switch them in between to manage your portfolio.

Some features of the account :
1) 0% sales charge
2) Account managed by a team of professional financial advisors (an option) or self-select your own funds
3) Access to 200+ funds where redemption, switching, buying and selling is free of service charges
4) Minimum investment of RM 10,000
5) 1% annual WRAP fee if managed (This means you have 2 years+ to evaluate your advisor) or 0.5% if self managed.

I only offer this offer for a short period of time, will close this option as soon as I reach a certain limit.

Looking for Takaful Quotation

eternity4life — Fri, 02 Jan 2015 21:53:48 +0800

Hi, I am looking for a takaful quotation. Wanted to make takaful for 2 person. Here are the details for the quotation with riders and expected premium

1) Female - 44 years old, non smoker, housewife
Expected premium RM 150
Riders - medical card (lowest R&B), waiver
2) Female - 14 years old, non smoker, student
Expected premium RM 100
Riders - medical card (lowest R&B), waiver

Some riders to add in if possible - saving riders

I know the expected premium is quite low. Would be good if you can bring it the lowest possible..