IKHLAS EDUCATION TAKAFUL

Introduction IKHLAS EDUCATION TAKAFUL provides long-term assurance for your child’s future as it ensures his/her future education needs are realized. What does IKHLAS Education cover? IKHLAS EDUCATION is an education plan designed for children aged 30 days to 12 years old. IKHLAS EDUCATION provides the following benefits: Flexible Maturity Age You have the option to choose the maturity age of the Certificate i.e. when your child reaches between the ages of 18 and 23 years old. Partial Cash Withdrawal Up to three (3) times throughout the Certificate’s tenure of a maximum of 50% (3 combined withdrawals) from the Personal Investment Account, starting from the sixth year. Maturity Benefit Upon maturity of the certificate, child will receive the accumulated amount in the Personal Investment Account (PIA) and Personal Risk Investment Account (PRIA) Child’s Death Benefits A lump sum amount of the Sum Covered (SC) plus the accumulated amount in the Personal Investment Account (PIA) and Personal Risk Investment Account (PRIA) will be paid to participant next of kin. Waiver of Contribution In the event of the payor’s death or payor suffering from total permanent disablement (TPD) within the takaful period, all future child contributions will be paid through the fund until the maturity date. Contribution Amount Flexible contribution amount. Why IKHLAS Education? Excellent Achiever Awards Your child will be awarded RM100 per distinction for scoring straight As in UPSR (minimum 5As), PMR (minimum 7As) or SPM/SPVM (minimum 7As). http://smartfinancialplanner-suria.blogspot.com/?view=magazine#!/2012/12/anugerah-kecemerlangan-pendidikan.html Top-up Contribution You can top-up your contribution when the Certificate reaches a minimum term of 1 year. Minimum top-up is RM50 which will be fully contributed into the Personal Investment Account. Better Iinvestment Return The Takaful IKHLAS Model allows the Company to optimize investment return to the participants. (Please contact us for further info). Age and issue limits Issue Ages : Payor 20 - 50 years, age next birthday, male/female Child 30 days - 12 years, age next birthday Issue Limits : Payor - [Child Annual Contribution] x [Term of the Policy] Child - Minimum - RM10,000 Maximum - RM30,000 Expiry Age : Upon participant attaining 75 years old, age next birthday Coverage Terms : 6 – 22 years
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What does IKHLAS Education cover?

IKHLAS EDUCATION is an education plan designed for children aged 30 days to 12 years old.
IKHLAS EDUCATION provides the following benefits:
Flexible Maturity Age
You have the option to choose the maturity age of the Certificate i.e. when your child reaches between the ages of 18 and 23 years old.
Partial Cash Withdrawal
Up to three (3) times throughout the Certificate’s tenure of a maximum of 50% (3 combined withdrawals) from the Personal Investment Account, starting from the sixth year.
Maturity Benefit
Upon maturity of the certificate, child will receive the accumulated amount in the Personal Investment Account (PIA) and Personal Risk Investment Account (PRIA)
Child’s Death Benefits
A lump sum amount of the Sum Covered (SC) plus the accumulated amount in the Personal Investment Account (PIA) and Personal Risk Investment Account (PRIA) will be paid to participant next of kin.

Waiver of Contribution
In the event of the payor’s death or payor suffering from total permanent disablement (TPD) within the takaful period, all future child contributions will be paid through the fund until the maturity date.
Contribution Amount
Flexible contribution amount.

Investment Tips During Recession / Stagflation

Investment Tips During Recession / Stagflation

by : The Bulletin vol.11. No 3 MAY 20011/ KDP PP 6141/01/2012 (027042)

 

 

Any comments please update in my blog

Education Planning

 

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Next to buying a home, funding for a child's education is the largest expenditure most parents will make.The following are some factors that you need to take into consideration when making education planning for your children:

1.   Number of children you have. 
2.   Whether you want your child to attend a local or an overseas university
3.   Number of years you have before your child attends university  
4.   Type of course that your child may be pursuing
5.   Current tuition fees and other type of expenses.
6.   Currency exchange rate of the country your child wants to study in.
7.   Expected rate of increase in education cost. 
8.   Your current and possible future income.
9.    Investment that can be put aside for your child's university education.
10.  Expected rate of returned from your investment.

The financial freedom education planning software about

• Diagnose your financial risk tolerance.
• Analyse your children's education needs.
• Determine the fund required,and
• Come up with suggested funding options

The financial freedom education planning software is available. For more information email  at samsuriah.ahmad9@gmail.com.0178844007

http://suria-perjanjianhartasepencarian.blogspot.com/2012/03/harta-sepencarian-bukannya-harta-pusaka.html#!/2012/11/penulisan-wasiat-profesional.html

Preparing for your golden years

Every individual of different occupation and age will go into retirement one day. Regardless of how you want to spend your golden years. you will need sufficient financial  preparation beforehand.

Simply follow the subsequent step and you might well be on your way to an ideal retirement lifestyle:

Step 1: Anticipate your retirement age and length of golden years

Although early retirement is something most of us wish for, it also means you will need a lot more money as you need to fund a longer retirement period.

According to Bank Negara Malaysia, the average lifespan of Malaysians is 77 years for males and 83 years for females.As such ,your retirement funds will then have to endure the eroding effects of inflation for about 20 years or so. It is therefore important to build a solid nest egg which will be able to match the increasing cost of living.

Example Scenario

Ahmad is a 35-year old bank manager who plans to retire at the age of 55 and he expects to live up to the age of 80. This gives him a retirement period of 25 years and 20 years to build up his retirement fund.

Step 2: Determine your retirement needs

Step 3: Calculate how much is needed to generate your retirement fund and the shortfall

Step 4: Come up with a lump sum investment to kick start the program me

 

Step 5:Work out how much you need to save every month 

The financial freedom retirement planning software is available , for more infomayion, please email samsuriah.ahmad9@gmail.com.

need detail and free counsultant just email or call 0178844007
 

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