After many weeks of hard work , I have managed to put my very own website on Financial Planning matters - specifically for my clients and for the Singapore public in general.
I have it at simple as possible and have broken it down into several important categories :
1. Financial Protection Needs
- where you can find out what is the basic amount of cover you need for Income Protection,
Major Illness coverage, Disability Income Plans, Medical Insurance etc.
2. Savings & Investment Needs
- how to prepare and save for your retirement, children's education, wealth accumulation
3. Islamic Wealth Management
- find out where to get halal investments and insurance.
4. General Insurance
- where to shop for the best insurance cover for Personal Accident, Travel Insurance, Home
insurance, Motor insurance, Maid insurance, Employee benefits etc.
And much, much more. Get the latest updates and latest news in the ever changing financial planning world. Latest products in the market , latest CPF updates etc.
Visit my website now for more information at :
http://www.financialplanning123.net
And don't forget to sign up for my FREE financial planning tips newsletters.
Wednesday, June 18, 2008
Thursday, May 8, 2008
YOUR RETIREMENT & SAVINGS NEEDS
Retirement :
- What is your ideal retirement savings amount?
- What is your ideal retirement age?
Do you know that retirement can last 30 years or more? And most of us are financially under prepared for retirement.
If you do not start planning now, you could find yourself still working hard just to maintain your living expenses at age 70.
What you need is Lifetime Financial Security and the 2 main concerns are how to prepare for and fund your retirement?
You would need a plan that offers steady returns over a period of time as well as potentially higher returns than bank deposits. A retirement plan that provides :
Certainty of retirement income (savings that can grow not decrease)
Retirement income that grows as investment grows
Control over money
Income for life
Let us help you start building your retirement nest egg today!
Visit my website for more details at : > www.financialplanning123.net
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Children’s Education
Do you wish to give your child the best education? What if your child is bright enough to be eligible for University but you do not have enough savings for him/her?
Do you want to deny him/her of the chance to maximize his/her potential?
Inflation rate for education cost is 6% pa. Cost of a 4 yr local university education now = $24k. In 20 yrs time, the cost will be $76,971 !
Relying on endowment plans alone for your children’s university education will cost you a bomb – especially when you have more than one child.
Are there any other options available? The answer is a definite yes! Let us help you with plans and options that are easy on your pockets yet able to achieve your long term targets.
Start planning for your child’s University Education expenses today!
Visit my website for more details at : > www.financialplanning123.net
- What is your ideal retirement savings amount?
- What is your ideal retirement age?
Do you know that retirement can last 30 years or more? And most of us are financially under prepared for retirement.
If you do not start planning now, you could find yourself still working hard just to maintain your living expenses at age 70.
What you need is Lifetime Financial Security and the 2 main concerns are how to prepare for and fund your retirement?
You would need a plan that offers steady returns over a period of time as well as potentially higher returns than bank deposits. A retirement plan that provides :
Certainty of retirement income (savings that can grow not decrease)
Retirement income that grows as investment grows
Control over money
Income for life
Let us help you start building your retirement nest egg today!
Visit my website for more details at : > www.financialplanning123.net
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Children’s Education
Do you wish to give your child the best education? What if your child is bright enough to be eligible for University but you do not have enough savings for him/her?
Do you want to deny him/her of the chance to maximize his/her potential?
Inflation rate for education cost is 6% pa. Cost of a 4 yr local university education now = $24k. In 20 yrs time, the cost will be $76,971 !
Relying on endowment plans alone for your children’s university education will cost you a bomb – especially when you have more than one child.
Are there any other options available? The answer is a definite yes! Let us help you with plans and options that are easy on your pockets yet able to achieve your long term targets.
Start planning for your child’s University Education expenses today!
Visit my website for more details at : > www.financialplanning123.net
Tuesday, May 6, 2008
YOUR PROTECTION NEEDS
Life is full of uncertainties…
What is the first thing that comes to your mind when Critical Illness strikes?
Usually it is whether you would have enough money for treatment.
The expenses for treatment can deplete a substantial portion of your hard-earned savings. It can even wipe out your entire Medisave in months. But you can safeguard yourself against this.
Take up a Critical Illness Cover and your family’s finances will be one less thing to worry about. We also have the plans that provide comprehensive coverage for critical illnesses for your children.
How would your spouse, child or other dependants survive without your income?
It is important to ensure that you and your family are financially prepared should the unexpected happen to you, especially when you have heavy financial commitments.
How to secure your family’s future against uncertainties with the right insurance plans?
- Family Income Protection
- Major Illness Coverage
- Loss Of Income Due To Disability
- Health / Medical expenses
- Mortgage commitments
- Home
- Motor / Travel
- Accident / Injuries
All the above can set you and your family back if the unexpected happens.
Which one do you need? What can you do without? What is the ideal amount of cover you need? What plan is best for your family?
At Phillips, you are not restricted to a single insurance company product.
Instead, we offer you a wide variety of choices from 10 Life Insurance companies.
Our partnership with many well-known Insurance Houses like TM Asia Life, Aviva, AXA, UOB Life, Manulife, AIA, HSBC Insurance, NTUC Income, Zurich Insurance, and Transamerica Life Insurance, ensuring that you have the choice of insurance plans that will suit your needs.
How to get a Term plan with 300k of coverage for Death, Critical Illness, TPD & Terminal Illness for under $80pm!
How about Mortgage Insurance for 300k, 25 yr term for under $50pm?
How to get the best limited payment whole life plan – pay only for 25 yrs but get covered for your whole life , with an annuity payment option?
If you have an existing plan, we will be glad to review it and provide a second opinion. Your financial needs and priorities do change at different stages of your life, hence it would be necessary to review it from time to time.
Visit my website for more details at : > www.financialplanning123.net
Contact us @ 96900259 and we will help you shop for the best package in the market!
What is the first thing that comes to your mind when Critical Illness strikes?
Usually it is whether you would have enough money for treatment.
The expenses for treatment can deplete a substantial portion of your hard-earned savings. It can even wipe out your entire Medisave in months. But you can safeguard yourself against this.
Take up a Critical Illness Cover and your family’s finances will be one less thing to worry about. We also have the plans that provide comprehensive coverage for critical illnesses for your children.
How would your spouse, child or other dependants survive without your income?
It is important to ensure that you and your family are financially prepared should the unexpected happen to you, especially when you have heavy financial commitments.
How to secure your family’s future against uncertainties with the right insurance plans?
- Family Income Protection
- Major Illness Coverage
- Loss Of Income Due To Disability
- Health / Medical expenses
- Mortgage commitments
- Home
- Motor / Travel
- Accident / Injuries
All the above can set you and your family back if the unexpected happens.
Which one do you need? What can you do without? What is the ideal amount of cover you need? What plan is best for your family?
At Phillips, you are not restricted to a single insurance company product.
Instead, we offer you a wide variety of choices from 10 Life Insurance companies.
Our partnership with many well-known Insurance Houses like TM Asia Life, Aviva, AXA, UOB Life, Manulife, AIA, HSBC Insurance, NTUC Income, Zurich Insurance, and Transamerica Life Insurance, ensuring that you have the choice of insurance plans that will suit your needs.
How to get a Term plan with 300k of coverage for Death, Critical Illness, TPD & Terminal Illness for under $80pm!
How about Mortgage Insurance for 300k, 25 yr term for under $50pm?
How to get the best limited payment whole life plan – pay only for 25 yrs but get covered for your whole life , with an annuity payment option?
If you have an existing plan, we will be glad to review it and provide a second opinion. Your financial needs and priorities do change at different stages of your life, hence it would be necessary to review it from time to time.
Visit my website for more details at : > www.financialplanning123.net
Contact us @ 96900259 and we will help you shop for the best package in the market!
Friday, April 18, 2008
DISABILITY INCOME PLANS
What will happen if you are unable to continue working due to a disability? An unexpected accident or illness can sometimes disable a person.
Consider these facts:
- 1 in 3 workers will become disabled for a period of 90 days or more before age 65
- The average disability absence is two and a half years
- 1 in 7 workers will be disabled for 5 years or more before they reach 65
- 3-4% of Singaporeans are estimated to be currently disabled and unemployed
The impact of this disability is a loss of income, and even if you can return to work it
may be to a lower paid job due to some level of ongoing disability or illness. This is the real disability cover you need to look into
With the loss of income, would your family be able to cope with the living expenses?
Have you found the best protection against Disability yet? What is Disability Income Plans?
Disability Income is a plan specially designed to protect your income against disability.
- Covers both Permanent and Temporary disability
- Total Disability Benefits – up to $15,000 pm
- Partial disability benefits – in the event you cannot return to the same level of income
- Covers disability from both illness and accidents
- Multiple Claims – even for the same illness
- Covers up to 75% of your regular income
- Pays a monthly benefit until your expected retirement
- No lifetime limit
- Worldwide coverage – will cover you even if you are abroad
- Rehabilitation benefits – to pay for the cost of getting you better
- Escalation benefits – to protect against inflation
- Tax free benefit – the monthly disability benefit you will receive is not subject to income tax
Why do you need a Disability Income Plan?
Most people believe that they do not need a policy to protect their expenses as they are well covered by other policies. The truth is, apart from the usual risk that we are concerned with such as Death, Critical Illness etc, there are many other risk which we are barely covered from.
Call us now and get more information on the most comprehensive Disability Income Plan in the market.
Find out how you can Get Paid for being disabled. Protect your family expenses now!
Thursday, April 17, 2008
Pay No Cash For Your Family Medical Plans
Do you know that you can get medical coverage for your whole family Without Paying Any Cash?
How to get FREE medical cover for all your children?
Which medical plans in the market offers you the best value for money?
How to manage your medical expenses and get ...
- Maximum Possible Payout For Any One Claim
- Unlimited Lifetime Coverage – no limits to your lifetime cover
- Inflation Proof Medical Care
- Free Children Cover – up to age 20
- Guaranteed Lifetime Cover – coverage of your medical expenses regardless of your future health conditions
- Extra Coverage For 5 Common Critical Illness Conditions
Confused? Not sure which plans are suitable for you and family? Let us help you to shop for the best in the market.
Do you know that 1 major illness in your family can wipe out your entire Medisave savings in just 3 months? We can show you proof that it has happened. Don’t let this happen to you.
Call us now or SMS us for a FREE 1 to 1 consultation. If you have an existing plan, we will be glad to review it and provide a second opinion.
We will tell you what you need to do to get 100% coverage.
Enhance Your Eldershield Plans
Do you know that you can enhance your Eldershield cover, Without Paying Any Cash?
We will show you how to …
· receive higher payouts ( up to 2k per month )
· get unlimited payout term
· limited premium paying term for lifetime cover
· get lifetime benefits
· dependant care benefits - extra $200 pm if you have children
· rehabilitation benefits - recover & still receive 50% benefit payout
Cash-free Payment With Medisave - you can use medisave funds up to $600 per year per person. You also have the flexibility to use the medisave of your spouse, children, parents or grandchildren.
Sign up now & enjoy special prices from National Healthcare Group (NHG) for selected services such as :
- health screening
- dietician counseling
- homecare equipments & products from NHG Pharmacies workshops for caregivers
Call us or SMS us now for more details! Basheer @ 96900259
Wednesday, April 16, 2008
Choice Of Various Islamic Insurance , Savings & Investments
Insurance :
For insurance & savings, we can help you to plan with the best Takaful products in the industry.
· Takaful Warisan
· Takaful Asset Manager
· Pengurus Simpanan Takaful
· Takaful Saver
Takaful plans are investment-linked policies that bundles investment and protection into one plan.
We can also help you to plan and participate in some of our top Takaful funds - Takaful Asia Pacific Fund, Takaful Global Fund, Amanah Equity Fund, Amanah Bond Fund.
Investments :
For Wealth Accumulation , we have dozens of Syariah Compliant Unit Trusts investments :
DWS Noor Precious Metals
DWS Noor Global Fund
SUT Ethical Funds
UOB UTD Gold & General Funds
Property Funds
Technology Funds
Healthcare Funds
Telecoms Funds
Global Resources Funds
and many more… Unit Trusts investments have generally provided returns of between 10% - 15% over the long term.
Which one to choose? Which is suitable for you? How to diversify your investments to minimize risk? Let us help you to plan for your financial future.
Zakat & Islamic Wills :
We can also help you with zakat calculations on all your insurance policies and investments. Delivered to you via yearly summary statements and yearly review of all your financial plans.
Do you know...
What exactly is the Faraidh breakdown?
What exactly is “Harta Sepencarian”?
What exactly can be claimed upon your spouse’s death?
What is an Estate Document & do we need one (Islamic Will)?
Can a Muslim make a will?
What is Islamic Estate Planning?
Our promise to you… We can Help You To Shop For The Best In The Market, Insya-Allah.
Visit my website for more details at : > www.financialplanning123.net
For insurance & savings, we can help you to plan with the best Takaful products in the industry.
· Takaful Warisan
· Takaful Asset Manager
· Pengurus Simpanan Takaful
· Takaful Saver
Takaful plans are investment-linked policies that bundles investment and protection into one plan.
We can also help you to plan and participate in some of our top Takaful funds - Takaful Asia Pacific Fund, Takaful Global Fund, Amanah Equity Fund, Amanah Bond Fund.
Investments :
For Wealth Accumulation , we have dozens of Syariah Compliant Unit Trusts investments :
DWS Noor Precious Metals
DWS Noor Global Fund
SUT Ethical Funds
UOB UTD Gold & General Funds
Property Funds
Technology Funds
Healthcare Funds
Telecoms Funds
Global Resources Funds
and many more… Unit Trusts investments have generally provided returns of between 10% - 15% over the long term.
Which one to choose? Which is suitable for you? How to diversify your investments to minimize risk? Let us help you to plan for your financial future.
Zakat & Islamic Wills :
We can also help you with zakat calculations on all your insurance policies and investments. Delivered to you via yearly summary statements and yearly review of all your financial plans.
Do you know...
What exactly is the Faraidh breakdown?
What exactly is “Harta Sepencarian”?
What exactly can be claimed upon your spouse’s death?
What is an Estate Document & do we need one (Islamic Will)?
Can a Muslim make a will?
What is Islamic Estate Planning?
Our promise to you… We can Help You To Shop For The Best In The Market, Insya-Allah.
Visit my website for more details at : > www.financialplanning123.net
Tuesday, April 8, 2008
YOUR PROTECTION NEEDS
Life is full of uncertainties…
What is the first thing that comes to your mind when Critical Illness strikes?
Usually it is whether you would have enough money for treatment.
The expenses for treatment can deplete a substantial portion of your hard-earned savings. It can even wipe out your entire Medisave in months. But you can safeguard yourself against this.
Take up a Critical Illness Cover and your family’s finances will be one less thing to worry about. We also have the plans that provide comprehensive coverage for critical illnesses for your children.
How would your spouse, child or other dependants survive without your income?
It is important to ensure that you and your family are financially prepared should the unexpected happen to you, especially when you have heavy financial commitments.
How to secure your family’s future against uncertainties with the right insurance plans?
- Family Income Protection
- Major Illness Coverage
- Loss Of Income Due To Disability
- Health / Medical expenses
- Mortgage commitments
- Home
- Motor / Travel
- Accident / Injuries
All the above can set you and your family back if the unexpected happens.
Which one do you need? What can you do without? What is the ideal amount of cover you need? What plan is best for your family?
At Phillips, you are not restricted to a single insurance company product.
Instead, we offer you a wide variety of choices from 10 Life Insurance companies.
Our partnership with many well-known Insurance Houses like TM Asia Life, Aviva, AXA, UOB Life, Manulife, AIA, HSBC Insurance, NTUC Income, Zurich Insurance, and Transamerica Life Insurance, ensuring that you have the choice of insurance plans that will suit your needs.
How to get a Term plan with 300k of coverage for Death, Critical Illness, TPD & Terminal Illness for under $80pm!
How about Mortgage Insurance for 300k, 25 yr term for under $50pm?
How to get the best limited payment whole life plan – pay only for 25 yrs but get covered for your whole life , with an annuity payment option?
If you have an existing plan, we will be glad to review it and provide a second opinion. Your financial needs and priorities do change at different stages of your life, hence it would be necessary to review it from time to time.
Contact us @ 96900259 and we will help you shop for the best package in the market!
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