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

54 followers
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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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Mortgage Scams All Malaysians Need To Be Aware Of
Buying a property and securing a mortgage is one of the biggest things you’ll ever do. House prices in Malaysia are  4.4 times the median income  of a Malaysian family, meaning many are securing high mortgages in order to get on the property ladder. Therefo...
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Most Malaysian Living Paycheck to Paycheck!!
CNBC tells us that most Americians live paycheck to paycheck . I guess not much different in Malaysia. CNBC highlights:- Seventy-eight percent of full time workers said they live paycheck to paycheck.  Overal, 71 percent of all U.S. workers said they'are no...
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2017 Tax Planning - SSPN (PTPTN) Tax Relief
Have you open an account (PTPTN) for your child 'education fund'? SSPN stands for Skim Simpanan Pendidikan National .  5 commons way to fund your child(ren) education. Beside Tax Saving, for which some people don't care because of low tax bracket, there is ...
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Buy INSURANCE online !!!
Era of product-selling is ending soon. More and more (financial) products are available online now at lower cost or price. ( Askchong: lower not necessary cheap ) Consumer can go direct, get lower price or with discount, for products like Motor (car) insura...
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Hotlink got a SISTER now - oOkYo
A very new player in the town effective October 2017. What is so special about it? Unlimited Internet   (from RM30 per month only)   Link to Google Play. 10% rebate in Google Play credit Prepaid Credit can be use to pay in Google Play (same as Hotlink)   10...
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New Bankruptcy Act effective Oct 2017
Effective 06.10.2017 The New (Amendments) Bankruptcy Act Now become "Insolvency Act 1967" #Threshold from RM30k increased to RM50k. #Guarantor, social guarantor will NO longer become "bankrupt". #Discharge become automatic, if conditions are met. https://th...
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Make no sense - MaxisONE (Postpaid) vs Hotlink (Prepaid)
Hotlink no longer offer RM50 plan with 100 minutes and 5GB. Effective October 2017, new package for Hotlink is RM60 for 8GB (plus others promo up to 43GB) and with unlimited calls to all networks. However, at the same time MaxisONE lowest price plan is RM98...
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Common Insurance Myths
MYTH#1:  I DON’T NEED TO GET INSURANCE BECAUSE I AM ALREADY INSURED AT MY WORKPLACE THROUGH MY EMPLOYER. Well, life is unpredictable.  What if you are jobless one day? This will leave you unprotected financially if any unfortunate events should happen to yo...
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You need Independent Financial Adviser but you always being sold by....
You need Independent Financial Adviser but likely you are always being sold by....... commission-oriented agents or consultant or whatever nice title they carry with their fancy business card. Yet, it is not uncommon for young bank employees to label themse...
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