Strictly for Internal Use Only. Not for External Circulation.

Information is correct and accurate as at Oct 2011

Version no:CDC10-1110-1_tnr

Title

Financial Planner:

Mohd KhairMohd Khair

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Strictly for Internal Use Only. Not for External Circulation.

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Strictly for Internal Use Only. Not for External Circulation.

Disposable Income Vs CommitmentsDifferent Life Stages, Different Priorities

Bridge the Financial Security Gaps for Today & Tomorrow

Vulnerable Gap

44

Strictly for Internal Use Only. Not for External Circulation.

“What does this sign means to you?”Clue: You will see this sign on the road.

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Strictly for Internal Use Only. Not for External Circulation.

Hospitalisation

Death

Total & Permanent Disability

Critical Illnesses

Partial Disability &Medical Reimbursement

Savings

HouseProperties

Others

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Strictly for Internal Use Only. Not for External Circulation.

77

Strictly for Internal Use Only. Not for External Circulation.

88

Strictly for Internal Use Only. Not for External Circulation.

99

Strictly for Internal Use Only. Not for External Circulation.

Financial Planning Pyramid Concepts

RISK MANAGEMENTRISK MANAGEMENT

WEALTH ACCUMULATIONWEALTH ACCUMULATION

INVESTMENTINVESTMENT

•Family Protection

•Disability Protection

•Dreaded Illness

•Mortgage Protection

•Personal Possession

•Healthcare

•Retirement

•Education

•Long / Short Term Saving

Financial Planning Pyramid : PrioritiesPriorities

Foundation & 1 st Priority

2nd Priority

3rd Priority

Educate and Create Awareness

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Strictly for Internal Use Only. Not for External Circulation.

Concept of Risk Management

Risk Mgt

Family Protection

Disability Provider

Dreaded Illness Protection

Mortgage Protection

Health Care Needs

Personal Accident Protection

Long Term Care Needs

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Strictly for Internal Use Only. Not for External Circulation.

Trad

e-Off b

etween

Risk &

T

rade-O

ff betw

een R

isk &

Retu

rnR

eturn

Priorities in Financial Planning

Financial Planning Pyramid : Risk Factors

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Strictly for Internal Use Only. Not for External Circulation.