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Chong Kong Hui - Independent Financial Adviser
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Representative of Financial Adviser
Representative of Financial Adviser

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Chong Kong Hui - Independent Financial Adviser's posts

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My client told me to hold on the proposed USD investment plan as RM is at lowest since 2009.

Well, I gently remind him to "look another way".... No one really knows the market but one thing quite sure is, if you do dollar averaging investment, you won't buy at most expensive or cheapest and the up and down become less relevant over a horizon of 20 years.

What do you think?
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What happens when mortgage payment defaulted (not paying on time)??
When one offered a loan by the bank, usually he / she only focus on the interest rate, lock-in period and MRTA requirement, if any. Most people don't know this "Default Clause" where borrower fails to pay the installment on time. What will happens if you ha...

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You have any of these "Worst Money Mistakes"??
Do you agree that the Golden Rule is Personal Finance is Earn More than Spend . So long as you spend less than you earn (i.e. saving) over a long long period of time and you invest the different, you will be doing better and better. The KEY words are:- Savi...

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Money and Gold
In 1900, yes, about 116 years ago, the World GDP (WGDP) was just $1.1 trillion. It took half a century (50 years) to grow fourfold to $4.01 trillion. Then, another tenfold to $41 trillion in 1990. In 2016, the WGDP totalled about $77.83 trillion. The Big Le...

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Independent Financial Adviser (known as Representative in Malaysia & Singapore)
Mr. Chong Kong Hui,  Accountant by profession,  is now an  Independent Financial Adviser , Approved   by Bank Negara Malaysia (as Financial Adviser's Representative) and Securities Commission (For Financial Planning).  He is now attached to  Excellentte Con...

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Insurance, make sure you understand what is covered and what isn’t.
Almost everyone we know, including ourselves, have or had bought insurance before. If you drive, you might have bought Motor Insurance. If you are property owner, you will have paid for Fire Insurance.  If you like to travel, Travel Insurance.  Common one w...

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Condominium and Fire Insurance
Most condo-owners don't buy fire insurance for condominium as it is not compulsory, unlike Car Insurance, where you have to buy first, in order to renew the road tax. The Management Office or JMB will have it covered. OR the Bank will have it covered (becau...

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Nikko AM Singapore Dividend Equity Fund: Our First ASEAN CIS Passport Fund On Board!
What’s in it for Malaysian investors? ASEAN CIS Framework is an initiative to facilitate and streamline cross-border offerings of collective investment schemes in ASEAN to retail investors. The initial member jurisdictions in the framework are Singapore, Ma...

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Why invest with Unit Trust?
Why invest with Unit Trust?   They are well-diversified : Unit trusts spread the risks involved in investing because they invest in a variety of financial instruments, including stocks, bonds, properties, commodities, currencies and cash. They are professio...
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