PRINCIPAL ONE WEALTH ADVISORS(a member of Maypartners Ikhlasjaya Group)

No. 49, 1st Floor, Lebuh Bukit Kecil 2Taman Sri Nibong, Bayan Lepas, 11900 Penang

The Important of Personal Savings

Habit

Do you save?

Where do you save?

How much do you save?

Can you save regularly?

2 TYPES OF SAVINGS HABIT2 TYPES OF SAVINGS HABIT

Time Value For Money Time Value For Money

BANK / ATM REGULAR SAVINGS

HABIT OF SAVINGHABIT OF SAVING??

Who will have more money?

SPEND FIRST

SAVE LATER

SAVE FIRST

SPEND LATER

ARE YOU AWARE THAT 95%95% OF MALAYSIAN ARE IN THIS GROUP OF SAVERS?

THERE ARE ONLY 5%5% OF MALAYSIAN WITH THE POWER TO SAVE REGULARLY

Statutory Retirement Benefit - EPFStatutory Retirement Benefit - EPFPercentage of Employees who believe that Statutory Retirement

Benefits are Enough ?

Australia 16%

China 44%

Hong Kong 18%

India 40%

Indonesia 24%

Malaysia 25%

Philippines 35%

Singapore 13%

South Korea 2%

Taiwan 26%

Thailand 48%

Global Aging ReportGlobal Aging Report

56% wish to retire before the age of 60but only 2 in 10 are financially ready

68% rely on Personal Savings as their primary source of retirement income

Preferred post-retirement activities :a.Travelling (70%)b.Joining a Club (55%)

*Source: Nielsen, February 17, 2011

Inflation : shrinking purchasing powerover the next 20 to 40 years

What’s your Life’s Goals/Dreams ?What’s your Life’s Goals/Dreams ?

No matter what you decide to achieve,No matter what you decide to achieve,every Goal/Dream has its price……every Goal/Dream has its price……

No matter what you decide to achieve,No matter what you decide to achieve,every Goal/Dream has its price……every Goal/Dream has its price……

What’s your Financial Resources?What’s your Financial Resources?

Financial Sources For Your Retirement

EPF

Depend on Children Continue to work part time

Charity

Pre-planned retirement fund

The Solution is Pre-planned Retirement !The Solution is Pre-planned Retirement !

GUARANTEED SHORT SAVING TERM保证短期的承诺

GUARANTEED YEARLY INCOME

保证每年现金回酬GUARANTEED LIFETIME

BENEFITS 保证长期的回报

ACCIDENTAL TPD BENEFITS意外终身残废利益

GUARANTEED ASSET保证资产

6 YEARS 只需储蓄六年

1ST YEAR TILL AGE 90从保险期第一年到九十岁

OUTSTANDING GYI剩余的保证金

ADDITIONAL 300% OF TPD BENEFITS

TRUST FUND,LIFE INSURANCE

REDEPOSIT INTEREST再把利息存进 5.5%

1

2

3

4

5

6

31 75 90

Yearly Savings = RM 10,010.10

Note: This is for Illustration Purpose only and will not perform as Policy Contract

Lifetime Guaranteed Yearly Income RM2,000

PAYOUTYearly Savings = RM11,548Total Savings (6 Years) = RM69,288

Maturity= RM389,614Guaranteed Yearly Income= RM2,000(60 TIMES OF RM2,000)

Your Capital @ Age75 RM197,422

Wealth AccumulationRM389,614

Total GYI Payout 60 Years X RM2,000 = RM120,000

保留资本

Age 30, Male

Guaranteed Total Total Total Death / TPD

Yr AGE SAVING Yearly Income Surrender Value (Pay-out)

Surrender Value (Accumulate)

Benefit (Pay-out)

1 31 11,548 2,000 5,709 7,709 118,5502 32 11,548 2,000 12,997 17,107 117,1303 33 11,548 2,000 21,115 27,451 115,7424 34 11,548 2,000 30,731 39,415 114,3885 35 11,548 2,000 41,096 52,258 113,0706 36 11,548 2,000 52,125 65,901 111,7887 37 0 2,0008 38 0 2,0009 39 0 2,000

10 40 0 2,000 57,458 83,208 107,08111 41 0 2,00012 42 0 2,00013 43 0 2,00014 44 0 2,00015 45 0 2,00016 46 0 2,00017 47 0 2,00018 48 0 2,00019 49 0 2,00020 50 0 2,000 79,048 148,785 101,75325 55 0 2,00030 60 0 2,00035 65 0 2,000 131,887 332,390 133,82940 70 0 2,00045 75 0 2,00050 80 0 2,00055 85 0 2,00060 90 0 2,000 389,614 1,256,514 390,045

69,288 120,000 389,614 1,256,514 390,045

*THE ABOVE FIGURES ARE FOR INTERNAL CIRCULATION & EASY REFERENCES ONLY. FOR DETAILS, PLEASE REFER TO OUR OFFICIAL DETAILED SALES ILLUSTRATION FROM HONG LEONG ASSURANCE BERHAD

Total Cash Surrender Value and Death / TPD Benefit is Projected based on Scenario A.

The above is based on Sales Illustration MP (Trad) Version 6.1, Scenario A @ 6.5%,