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# CF Lieu: Independent Licensed Financial Adviser Malaysia

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## Posts
- [Hiring a Wealth Advisor in Your 40s: What You Need to Know](https://howtofinancemoney.com/hiring-a-wealth-advisor-in-your-40s-what-you-need-to-know): Discover what separates the best retirement planning services in Malaysia from generic ones. Compare fee models, CFP credentials, EPF integration, and get a free vetting checklist.
- [What Financial Milestones Do You Need to Retire Comfortably?](https://howtofinancemoney.com/what-financial-milestones-do-you-need-to-retire-comfortably): Discover what separates the best retirement planning services in Malaysia from generic ones. Compare fee models, CFP credentials, EPF integration, and get a free vetting checklist.
- [Growing Retirement Wealth Safely: Strategies for Risk-Conscious Investors](https://howtofinancemoney.com/growing-retirement-wealth-safely-strategies-for-risk-conscious-investors): Discover what separates the best retirement planning services in Malaysia from generic ones. Compare fee models, CFP credentials, EPF integration, and get a free vetting checklist.
- [How High Earners Should Plan for Retirement Differently](https://howtofinancemoney.com/retirement-for-high-income-earners): Discover what separates the best retirement planning services in Malaysia from generic ones. Compare fee models, CFP credentials, EPF integration, and get a free vetting checklist.
- [Retirement Strategy for Professionals: What Actually Works](https://howtofinancemoney.com/retirement-strategy-for-professionals): Discover what separates the best retirement planning services in Malaysia from generic ones. Compare fee models, CFP credentials, EPF integration, and get a free vetting checklist.
- [How to Build Sustainable Retirement Income as a Senior Executive](https://howtofinancemoney.com/retirement-income-for-senior-executives): Discover what separates the best retirement planning services in Malaysia from generic ones. Compare fee models, CFP credentials, EPF integration, and get a free vetting checklist.
- [How to Create a Retirement Roadmap Step by Step](https://howtofinancemoney.com/create-a-retirement-roadmap): Discover what separates the best retirement planning services in Malaysia from generic ones. Compare fee models, CFP credentials, EPF integration, and get a free vetting checklist.
- [Best Retirement Planning Strategies for High Income Professionals](https://howtofinancemoney.com/best-retirement-planning-strategies-for-high-income-professionals): Discover what separates the best retirement planning services in Malaysia from generic ones. Compare fee models, CFP credentials, EPF integration, and get a free vetting checklist.
- [30 Year Retirement Income Plan: A Step-by-Step Guide](https://howtofinancemoney.com/30-year-retirement-income-plan): Discover what separates the best retirement planning services in Malaysia from generic ones. Compare fee models, CFP credentials, EPF integration, and get a free vetting checklist.
- [Retirement Roadmap for Mid Career Professionals: A Guide](https://howtofinancemoney.com/retirement-roadmap-for-mid-career-professionals): Discover what separates the best retirement planning services in Malaysia from generic ones. Compare fee models, CFP credentials, EPF integration, and get a free vetting checklist.
- [How to Review Insurance Coverage in Malaysia](https://howtofinancemoney.com/review-insurance-coverage): Discover what separates the best retirement planning services in Malaysia from generic ones. Compare fee models, CFP credentials, EPF integration, and get a free vetting checklist.
- [Insurance Needs Analysis: How Much Cover Is Enough?](https://howtofinancemoney.com/insurance-needs-analysis): Discover what separates the best retirement planning services in Malaysia from generic ones. Compare fee models, CFP credentials, EPF integration, and get a free vetting checklist.
- [How to Build a Retirement Income Plan That Lasts 30 Years](https://howtofinancemoney.com/retirement-income-plan): Discover what separates the best retirement planning services in Malaysia from generic ones. Compare fee models, CFP credentials, EPF integration, and get a free vetting checklist.
- [How much retirement income do you actually need?](https://howtofinancemoney.com/retirement-income): Discover what separates the best retirement planning services in Malaysia from generic ones. Compare fee models, CFP credentials, EPF integration, and get a free vetting checklist.
- [How to Build a Retirement Roadmap That Actually Works](https://howtofinancemoney.com/build-retirement-roadmap): Discover what separates the best retirement planning services in Malaysia from generic ones. Compare fee models, CFP credentials, EPF integration, and get a free vetting checklist.
- [How to Choose the Best Retirement Planning Service in Malaysia](https://howtofinancemoney.com/best-retirement-planning-services-in-malaysia): Discover what separates the best retirement planning services in Malaysia from generic ones. Compare fee models, CFP credentials, EPF integration, and get a free vetting checklist.
- [Property Rental for Retirement: Is Your Investment Good Enough?](https://howtofinancemoney.com/property-rental-for-retirement): Are you considering property rental for retirement? In this blog, we'll dive into a real-life case study of a 46-year-old client exploring property investment to secure his financial future. We'll break down the costs, risks, and alternative strategies to ensure your investment is not just a gamble, but a calculated step towards financial freedom.
- [Regret for NOT Making More MONEY for Retirement: Insights on Retirement Planning in Malaysia](https://howtofinancemoney.com/retirement-planning-malaysia-personal-journey): In the case of retirement planning in Malaysia, you can imagine how many people are easily overcome by the financial decisions that they have to make and their personal aspirations. For the purpose of this discussion, I am going to tell you an interesting story of a client who sold his property with a big gain yet he did not bother about it at all. The narrative definitely points out the need for the financial choice to be in accordance with the fine things of our life, particularly, the education of our children and their future.
- [Financial Advice for High Income Earners: Navigating Unique Challenges](https://howtofinancemoney.com/financial-advice-for-high-income-earners): It is a paradox for those on high incomes to manage finances; the more money you earn, the more difficult it can be to find someone who has been through the same experience and who can give you advice. The subject of our discussion today is the specific financial challenges that people earning high incomes face and we are going to offer you some applicable insights to enable you to live a prosperous and balanced financial life.
- [Understanding the Role of a Malaysia Financial Advisor](https://howtofinancemoney.com/understanding-role-malaysia-financial-advisor): In the ever-changing world of finance, the role of a Malaysia financial advisor is more crucial than ever. My approach is grounded in authenticity and a commitment to providing tailored, actionable financial advice to my clients. Let's dive into what this role entails and how it can help you achieve your financial goals with higher certainty - on time and on target.
- [Maximizing Your Retirement Investment in Malaysia: Strategies for Financial Security](https://howtofinancemoney.com/maximizing-retirement-investment-malaysia): To put it concisely, the primary way of increasing your retirement investment in Malaysia is to have a detailed understanding of portfolio structure, strategic expenses, risk running, and active asset management. By the use of a thorough and tailor-made strategy, the retirees would surely be able to positively guide their financial paths.
- [Compare & Choose the Best Home Loans in Malaysia🏡](https://howtofinancemoney.com/compare-home-loans-malaysia): One of the major decisions that many people encounter is the selection of the right home loan while making retirement plans in Malaysia. Because properties typically sell for approximately one million ringgits, it is fundamental to comprehend the various banks' terms. Whether you are a returning expatriate or a local buyer planning to upgrade your property, this manual will give you an overview of the home loans available, and will also help you make non-biased financial decisions.
- [Unit Trust vs ETF Malaysia: A Comprehensive Comparison for Investors](https://howtofinancemoney.com/unit-trust-vs-etf-malaysia): In the world of investing, the debate of unit trust vs ETF Malaysia is more relevant than ever. This blog explores the performance of actively managed funds versus passively managed ETFs, providing insights into their returns, costs, and the importance of data-driven decisions for Malaysian investors.
- [How Much to Retire in Malaysia: A Comprehensive Guide](https://howtofinancemoney.com/how-much-to-retire-in-malaysia-guide): The first step in determining how much to retire in Malaysia is the knowledge of your present status of retirement savings. This implies the evaluation of your sources of income, budget items, and current debt. Therefore, you need to set aside a time from your daily routine to check your actual earnings and how you tend to spend your money. This would really be helpful in coming to a conclusion if you are ready for retirement or not.
- [Retirement Planning Malaysia: Can You Retire Early After Funding Your Kids’ Education?](https://howtofinancemoney.com/retirement-planning-malaysia-early-retirement-education): Unequivocally, you are in the right place if you are a parent who is accounting the logistical issues of retirement planning in Malaysia. A lot of affluent families often ponder: "Is it possible for me to retire early, and securely, after financing my kids' education?" This is a blog that will discuss the delicate relationship between early retirement and the pursuit of your children's education.
- [Should You Pay Down Mortgage or Invest? A Pilot’s Financial Dilemma](https://howtofinancemoney.com/should-you-pay-down-mortgage-or-invest): When faced with the decision to pay down mortgage or invest, high-income earners often find themselves in a unique financial situation. In this blog, we explore the case of a pilot earning RM 45,000 monthly, contemplating a significant property investment while planning for early retirement. Through strategic mortgage planning and loan repayment strategies, we aim to uncover the best financial path forward.
- [Autocallable Structured Products in Malaysia: A Guide to High Returns and Hidden Risks](https://howtofinancemoney.com/understanding-autocallable-structured-products-malaysia): Have you ever thought about having a guaranteed return of 6% to 12% annual interest? If your answer is yes, then you are not far from discovering autocallable structured products in Malaysia. Together with the potential advantages that these securities might have, they are also doused in various risks which you are required to learn before taking any action. We will demystify autocallable structured products, the risks attached, and the crucial factors you need to be aware of in this blog post.
- [Understanding Car Loan vs Mortgage Interest: What You Need to Know 🚗🏠](https://howtofinancemoney.com/understanding-car-loan-vs-mortgage-interest): A majority of the individuals end up not realizing that interest rates have certain complexities, when it is about their home or car loan financing. You may be astonished to discover the fact that a house loan carrying a 4% normal annual interest rate can be actually less expensive than a car loan having a much lower 2.7% of interest rate. We will take an in-depth view of the minds and questions as to why these differences between car loans and mortgage interest exist. First of all, let's analyze it!
- [How Much to Retire in Malaysia: A Comprehensive Guide to Early Retirement Planning](https://howtofinancemoney.com/how-much-to-retire-in-malaysia): If you're wondering how much to retire in Malaysia and whether you can do it with your current financial situation, you're not alone. Many high-income earners face this dilemma, feeling burnt out and seeking financial independence. In this blog, we'll explore a case study that highlights essential factors in retirement planning and provide actionable insights for your journey towards early retirement.
- [Understanding the Medical Insurance Premium Increase in Malaysia: What You Need to Know](https://howtofinancemoney.com/navigating-medical-insurance-premium-increase-malaysia): This article is about the medical insurance premium increase in Malaysia and how it is connected and will affect your financial directly. Since health care costs are looming higher, determining your options and doing preemptive actions are the two things that can aid you to overcome this issue proficiently.
- [📌Timing the Market Case study (Crypto Investing in Malaysia)](https://howtofinancemoney.com/timing-the-market-crypto-investing-case-study): First thing first, a snapshot of my crypto investing portfolio (pay attention to "Crypto Titans Fund" or 'CTF'). I'll give you more context below; just don't skip anything. This was on 19 Nov 2024.
- [legacy – Wealth Advisor & Wealth Advisory in Malaysia (Complete Guide)](https://howtofinancemoney.com/legacy-wealth-advisor-wealth-advisory): Wealth advisors and financial advisors, both experts in managing high-net-worth individuals' financial portfolios, are often used interchangeably. However, there is a difference between the two:
- [“How Much Do I Need to Retire in Malaysia?” Answered](https://howtofinancemoney.com/how-much-do-i-need-to-retire-in-malaysia): If you're wondering how much you need to retire in Malaysia, the amount can range from 2 million to 10 million. This estimate is based on what I've concluded after working with my retirement advisory clients since 2012. The wide range depends on several factors, explained below.
- [Financial Planner & Wealth Advisor Consultation Fees](https://howtofinancemoney.com/financial-planner-wealth-advisor-fees): Are you wondering about the consultation fees for financial planners or wealth advisors, and what it costs to engage a wealth advisor?
- [2024 Interest Rate Cut: Great News for the Global Economy?](https://howtofinancemoney.com/2024-interest-rate-cut): In Dec 2024, the Federal Reserve decided to hold key interest rates unchanged at the current level of 5.5%. This marks a significant moment in the economic cycle, as it suggests that we may have reached the peak interest rate for this cycle. The next step in the cycle will likely be 2024 interest rate cuts, which are anticipated to happen soon. This shift towards easier monetary policy will have a profound impact on various aspects of the economy.
- [Why Malaysian Ringgit Weakening (5 Shocking Reasons)](https://howtofinancemoney.com/why-malaysian-ringgit-weakening): Every Malaysians worst nightmare when Ringgit weakening.Purchasing power got crushed like Oceangate Titan.You pay higher more for imported goods like your Australian Steak.You sell kidneys to pay for services like your Blackpink or Coldplay concert tickets.
- [How to Invest in Stocks Malaysia: works GREAT](https://howtofinancemoney.com/how-to-invest-in-stocks): How to really Invest in Stocks in Malaysia?
- [Best Medical Cards Malaysia? Get Advice Fast:](https://howtofinancemoney.com/best-medical-card-malaysia): This is the most practical, highly actionable guide to buying the best medical card in Malaysia.
- [Financial Advisor Malaysia – Definitive Guide](https://howtofinancemoney.com/bank-negara-guide-role-financial-adviser-malaysia): Do your own background check on the financial advisor Malaysia. See if the financial advisor life values and philosophy on money align with yours. A good financial advisor for you mean his or her values are in alignment with yours as a client.
- [Financially Independent Retire Early (FIRE) Guide](https://howtofinancemoney.com/financially-independent-retire-early): In this Financially Independent Retire Early guide, I am going to pull the curtains back on what I learned from my clients similar like you who have 'been there done that', so you:
- [19 Investment Options in Malaysia (Everything Covered)](https://howtofinancemoney.com/investment-options-in-malaysia): Unlike many other articles on investment options in Malaysia saturating the Internet…
- [Passive Income in Malaysia (Safely & Certain)](https://howtofinancemoney.com/passive-income-in-malaysia): As someone who had real-life experience (prove below, I don't talk only OK?) earning monthly passive income in Ringgit and USD for many years, I am absolutely qualified to give you insights on how to earn side or passive income in Malaysia like a Pro.
- [Best Insurance Saving Plan vs Fixed Deposit in Malaysia](https://howtofinancemoney.com/guaranteed-savings-plan): Let me give you a brutally-honest lesson how to make you own 'insurance saving plan calculator' to compare insurance saving plan vs fixed deposit.
- [Stashaway Malaysia Review: 23 Secrets Exposed](https://howtofinancemoney.com/stashaway-malaysia-review): Unlike many other Stashaway Malaysia Reviews saturating the Internet...
- [ASB Financing: Secrets to make low-risk 100k in 5 years](https://howtofinancemoney.com/asb-financing): (Apa itu ASB Financing? Apasal buat ASB Financing? Bagaimana diorang buat ASB Financing? )
- [Top Dividend Yield Stocks Malaysia to Buy](https://howtofinancemoney.com/top-dividend-yield-stocks-malaysia): What are the most consistent and sustainable Dividend Yield Stocks In Malaysia?
- [CCRIS Check online: 9 Exposed Secrets to Solve your Problems](https://howtofinancemoney.com/check-ccris-report): And just so you know, this is the most practical, highly actionable guide on the planet on "CCRIS Check Online" or "Semakan CCRIS / CCRIS Semakan.
- [The Definitive Guide to your Retirement Readiness in 10 Years or Less](https://howtofinancemoney.com/the-definitive-guide-to-retirement-readiness): If you have 10 years or less to retirement - now it is time to up the ante because you can literally "smell" your retirement. Bear in mind that in this stage, an individual has a limited number of years remaining to adjust for any errors or shortfalls.
- [Financial Planner Malaysia: The Complete Guide](https://howtofinancemoney.com/cfp-certified-financial-planner): We are going to show you everything you need to know when it comes to engaging a qualified and credible financial planner.
- [Retire in Malaysia – 17 Ways to Stretch your Retirement Fund](https://howtofinancemoney.com/retire-in-malaysia): To retire in Malaysia, or any place for that matter, everyone would agree that we need to ensure sufficient financial resources, yes?
- [Financial Planning – 20 Important things at every life stages](https://howtofinancemoney.com/importance-financial-planning): Financial planning starts when you graduate from college, believe it or not, although you may realize that your income may not be sufficient to meet your aspirations of the lifestyle you wish to have. This is normal. After all, how many of us are born with a silver spoon in mouth? Nonetheless, it is crucial at this stage of life to instill prudent financial habits which will carry you through over the rest of your life.
- [8 Reasons Why Your Value Investing is no longer Working and how to fix this](https://howtofinancemoney.com/value-investing-not-working): After attending any Value Investing or Stocks Trading program, you walk away with the new found knowledge that you could be the next Warren Buffett.
- [Private Equity Investment for Malaysian Investors](https://howtofinancemoney.com/private-equity-investments): What is private equity investment?
- [Retire in Malaysia – 8 questions to ask before engaging a retirement adviser](https://howtofinancemoney.com/retirement-adviser): It is the same when you seek retirement advice.
- [Retirement calculator: Easily compute your retirement shortfall in 39 secs](https://howtofinancemoney.com/retirement-withdrawal-calculator): All retirement calculators are inherently inaccurate by itself because they are either based on (or require you to make) assumptions* about the future which may (will likely) prove inaccurate.
- [Keyman Insurance Malaysia: Calculation, Pricing & Tax](https://howtofinancemoney.com/keyman-insurance-malaysia): Keyman insurance Malaysia is intended wholly and exclusively to recoup the potential of loss of business income due to these predicaments occurring to a key-person staff.
- [18 Quick Tips to improve retirement planning in Malaysia](https://howtofinancemoney.com/retirement-planning-tips-malaysia): 1. If you feel you are not accumulating enough for to achieve your retirement goals, chances are you are right. Trust your gut feeling. Solution: Seek a fee-based retirement planning adviser to get a second opinion. Trust me - you will get a better peace of mind at the end of the day. If your gut feel is wrong, then congratulations! If you gut feel is right, then at least you can do something about it before you are off track too far from your retirement roadmap.
- [Protected: Genting family dispute-can it be avoided? 10 Views from a financial adviser](https://howtofinancemoney.com/genting-family-dispute-prevent): In case you haven't, The Edge Market Oct 10 2016 is where you could read about it in detail.
- [5 Extremely Feasible Retirement Catch Up Strategies For Late Starters](https://howtofinancemoney.com/retirement-catch-up-strategies): Nobody will tell you this retirement catch up strategy is easy as it require skills and involves risks, but a late saver with aggressive retirement goals may have no other viable alternative. It’s a choice that should be considered as part of any catch-up retirement plan.
- [Scary! These are the costs of medical procedures in Malaysia (updated)](https://howtofinancemoney.com/cost-medical-procedures-2015): As Malaysia progresses towards becoming a high-income status nation by the year 2020, the cost of living in the country will inevitably increase exponentially and the costs of medical procedures will also rise in tandem.
- [EPF withdrawal for unit trust investment? +13 Other Ways…](https://howtofinancemoney.com/epf-unit-trust-investment): Choose the type of EPF withdrawal below which pique your interest ↴
- [The secrets how the Rich Buy & Invest in Commercial Properties in Malaysia](https://howtofinancemoney.com/invest-in-commercial-properties-malaysia): So here's how you can buy and invest in commercial properties in Malaysia with as little as RM 100.
- [DNA Testing in Malaysia: Top 5 At-home Kits For Use](https://howtofinancemoney.com/dna-testing-malaysia): Half of the genes from the mother and the other half from the father. This is why DNA testing in Malaysia and other countries across the globe is conducted to prove a child’s biological parents.
- [Loan Compression – the Open Secret in Malaysia Property Investing](https://howtofinancemoney.com/loan-compression): Loan compression or multiple loan submissions, is a common property investing strategy preached by almost all property investment gurus.
- [Personal Finance Do’s and Don’ts for Young Adults](https://howtofinancemoney.com/personal-finance-dos-donts): Personal finances are a priority for young adults who recently graduated from college and started a first job. It's essential to keep expenses as low as possible. Fortunately, there are several effective tactics for achieving this worthwhile goal. In addition to refinancing school loans to reduce monthly expenses, avoid buying brand new cars or making major investment commitments. However, one long-term goal is a must, and that's the quest for homeownership. By planning several years ahead, young adults can make the process of buying a first home simple and painless. Consider the following do's and don'ts to get your finances in better shape.
- [4 Must-Know Money & Personal Finance Facts](https://howtofinancemoney.com/personal-finance-facts): The world is changing fast. That means all those financial facts you have accumulated over the years might be outdated. As 2023 arrives, it makes sense to brush up on some of life's core money-related lessons and concepts. While it's still a great idea to earn a college degree, there are more creative financing options for today's prospective students. Plus, thanks to the conveniences of the digital age, anyone can take advantage of coupon apps to save money on things they already buy. One traditional point that has withstood the test of time is budgeting. People who make and adhere to detailed spending plans can save more and make every dollar count. Retirement rules are changing, too, as more middle-aged adults aim to catch up after years of underfunding their IRAs. Review the following financial principles and see which ones you can incorporate into your life before the new year begins.
- [The Costs of College and How to Afford Them](https://howtofinancemoney.com/afford-college-cost): Going to college is an exciting experience regardless of if this is your first degree or the second. With a new degree comes new opportunities for both learning and your career options. But there's one thing that's getting in the way of your excitement; the costs. It's no secret that college is a big investment, but that doesn't mean it should be an uphill battle to afford it. In this post, we'll be covering the costs of college and how you can afford them.
- [Financial Background Checks: Your Guide](https://howtofinancemoney.com/financial-background-checks-your-guide): Unlike the traditional background check that looks into your education, employment, criminal, and civil history, a financial background check evaluates your financial health. These reports can be important in certain circumstances, especially ones that involve loan applications, finance-related jobs, or rental applications.
- [How to Financially Prepare Your Child for College](https://howtofinancemoney.com/prepare-child-for-college): Every parent dreams of seeing their children venture off to college and find their place in the world. However, you’re probably aware that going to college for the first time can be disorienting. It’s a new experience and is the first step towards adulthood. The aspect of college that can be difficult to manage is the finances. Even with numerous smart money practices for college students available if conversations are not had those can be easily forgotten. College is one of the biggest investments you can make, so you want to be prepared before making it. Here’s how you can financially prepare your child for college.
- [Investment Return in 2018 – Here’s how a Plumber Did Better than his Banker](https://howtofinancemoney.com/plumber-beats-banker-investment): The plumber is a client (and now, a friend) of mine who first joined REITMethod online investment course which KCLau himself & me started in 2012.
- [How to still get Profitable Return when all Global Stock Markets are Down](https://howtofinancemoney.com/profitable-return-stock-markets-down): In case you lose money from your investment in 2018, whether it is stocks or unit trusts, know that it is not your fault.In fact, your disappointment just by looking at your investment portfolio can be a source of 'joy' for some other investors.
- [How to save more money (month to month)](https://howtofinancemoney.com/how-to-save-more-money-month-to-month): Hands up who’d love to save more money. Now, hands up everyone who’s actually doing anything about it. That was a lot of hands up in the air that came straight back down again! That’s why we’re going to look at tried and tested methods of putting more money aside.
- [The Best Retirement Philosophy You Should Adapt Now](https://howtofinancemoney.com/retirement-philosophy): What does retirement look like to you? Does it look the same as how your parents are spending their retirement? Will you follow their patterns? Maybe they worked until their sixties, relied on a good separation or retirement package that came with their employment, and had their pensions help sustain them. Maybe they are traveling the world or have relocated permanently to a tropical country, and having the time of their lives.
- [Can you time the market? – find out here](https://howtofinancemoney.com/can-time-market-find): Even though countless phrases warn against attempting to time the market, our emotions can still get the best of us during extreme market downturns and upturns.
- [Malaysian ringgit exchange rate evolution and forecast](https://howtofinancemoney.com/malaysian-ringgit-exchange-rate-evolution-and-forecast): Malaysia as a country has grown a lot over the past few years. It evolved from a country struggling with its finances and economy to become one of Asia’s leading tourist destinations, and an industrial hub not to be taken lightly. Its evolution over the years has led to it becoming one of the strongest economies in the continent, and as a result its currency has seen some pretty impressive progress over the years. The Malaysian Ringgit has become a powerful currency, and with more tourists flocking, in every year, things are looking up for the currency and the country. This is how it evolved over the years.
- [Financial Tips for Expats in Malaysia](https://howtofinancemoney.com/financial-tips-for-expats-in-malaysia): Malaysia is among the top destinations in Asia for expats, and not without reason. While the country’s economy depended on exports for long, it has now expanded to cover spheres such as tourism, medical tourism, science, and commerce. This, in turn, has opened up a sea of employment opportunities for locals and expats alike. If you are moving to Malaysia, exercising some financial prudence may take your money a long way.
- [Actionable Tips to Achieve Financial Stability and Happiness](https://howtofinancemoney.com/achieve-financial-stability-happiness): In today’s capitalistic world, being financially stable gives you more options in all aspects of life. The amount of money you have often determines what you can do or the goods and services you can access.
- [Losing Money And How To Deal With It](https://howtofinancemoney.com/lose-money-deal): Losing money is such a common occurrence in any business setting and in the world of forex trading, nothing is different. In the trading sector, losing money is so normal that at least every trader has lost some funds in one way or another during their trading exploits. There are many ways in which one may lose money in this sector with the commonest way being losing trades. Other ways are through poor fund management skills or even losing money through fraudulent means to thieves.
- [Time machine investing](https://howtofinancemoney.com/time-machine-investing): Imagine you had a time machine. It allows you to go back in time and change 1 thing about the past.
- [What *really* is Quality of Life? aka ‘why famous people commit suicide’](https://howtofinancemoney.com/quality-life): The longer I am in this field of wealth management and financial planning, the more I have to concur to this fact:
- [How I save 70.9% on a printer (you can do this too) and 4 things to learn from this](https://howtofinancemoney.com/save-money-printer): After my home laser printer of 4 years went kaput, I need a replacement.
- [Can You Be Taxed on a Personal Loan?](https://howtofinancemoney.com/can-you-be-taxed-on-a-personal-loan): Nearly every homeowner or business owner has taken a loan at some point in their lifetime. It may be a car loan, student loan, mortgage, or business financing. Taking a loan should not always be considered a bad idea because, with a loan, you get closer to achieving the things you would otherwise not afford from your savings or earnings alone. Among the many reasons why most people prefer to take personal loans include accessibility, they are easy to manage and have a predictable repayment schedule. In addition to this, they attract a lower interest rate than most credit card loans.
- [The lies you’ve been told about value investing practised by Warren Buffett](https://howtofinancemoney.com/lies-value-investing): However, the 2013 study" Buffett's Alpha," authored by Andrea Frazzini, David Kabiller and Lasse H. Pedersen, revealed a differing perspective. The authors found that, in addition to benefiting from the use of cheap leverage provided by Berkshire's insurance operations, Warren Buffett bought large cap, high-quality stocks when they cheap (undervalued). The most interesting finding in the study was that stocks with these characteristics tend to perform well in the long term, not just the stocks with these characteristics that Buffett buys.
- [Invest in the world’s best ETFs & index funds vs stocks investing](https://howtofinancemoney.com/etfs-index-fund): This is one page summary of the best ETFs* available to you to invest in the US. If you are not residing in US, then you can still access to these ETFs through many international online brokerages like Scottrade, Interactive Brokers, Fidelity, Capital One Investing and TDAmeritrade.
- [Successful people always lie to you – here are 2 shocking reasons WHY](https://howtofinancemoney.com/lies-successful-people): In my recent webinar for WarrenBuffettHQ.com (where I consult for clients 1 on 1 on how to get world-class investment returns FAST without doing any fundamental or technical analysis), someone said:
- [5 Reasons why [very] smart people tend to fail miserably in investment](https://howtofinancemoney.com/fail-investment): Let’s examine the psychological oddities of smart people.
- [EPF withdrawal for unit trust investment – annual returns comparison table Part 2](https://howtofinancemoney.com/epf-unit-trust-investment-2): Note: This must be read together with Part 1 of EPF-MIS annual comparison table for funds with > 30% foreign exposure.
- [Why Do You Need a Life Insurance?](https://howtofinancemoney.com/why-do-you-need-a-life-insurance): The Latin term “memento mori” has always been used as a reminder for death. It literally means “remember you will die.” European scholars in the late seventeenth
and eighteenth centuries used to place a skull on their desks to remind them that death is inevitable. In fact, death is a gloomy subject that we seldom ponder about. We have all shelved the undying truth that we all must
die in the back of our minds, in an attempt to lead a normal life. Day in, day out, we move uncontrollably closer to our death. Whether we come to this conclusion due to natural or unnatural causes, death takes us all by surprise.
This is logical given how the idea of our sure demise can never be a basis for a healthy life. That being said, we are all guilty of taking life a little for granted and not being psychologically or financially prepared for
the day on which we will kick the bucket. Speaking of finances, it is always wise to secure those financially dependent on you, especially in times of adversity. And this is the role of life insurance policies. In fact, life
insurance policies are essential. They act as a safety net to catch your loved ones when they’re falling. When choosing an insurer, looking for trustworthy ones is no small feat. There are countless insurers, but few have the integrity and empathy required to tailor
a package for you. And, with many choices available, comparing for an affordable life cover from Insurance Hero can help you significantly to reach the right decision. If you are a partner or the parent of dependent children, it's practically mandatory.
But you may also need life insurance if you are a former spouse of somebody, a romantic partner, a dependent parents’ son, a dependent adult sibling, a worker, a business owner or partner. You can consider the use
of life insurance as a proactive financial asset. Tax deductions For life insurance policy holders, come two major tax perks: a tax-free death benefit and tax excluded cash flow. If your total wealth is still substantial, you may only opt into a
life insurance policy when you are passing your estate to your wife or child just to escape inheritance tax. For the majority of cases, death compensations are tax-free, so if you established your insurance
plan skillfully, you can stop the federal government from biting through a rather large chunk of your money. These tax benefits of life insurance are mainly more of a sub-advantage for most individuals. Your heirs typically don't have to make up for tariffs laid on
the money your policy reimburses them. Secondly, when you choose a cash value scheme, any profit your balance receives can expand without you having to declare it on your income. In most situations, individuals who want to
use their cash value may also withdraw it from this system tax-free. Financial security Everybody realizes that you are never going to be fully prepared for life is going to bring your way, and life insurance acts like the financial cushion your family can lean on, in the case of death. The death benefit compensation may be used by your inheritors to pay whatever bills they wish, even if you explicitly acquire final life
insurance expenses. Many life insurance policies give you some versatility. Universal life insurance, for example, lets you set the rates to send out the death benefit as desired. And if you choose a term life policy with
a redemption clause, you may be able to stretch your life insurance to cover indefinitely. You are allowed to take some of your life insurance policy while you're still living only if you've developed a terminal
disease, and when it comes to intensive chemotherapy treatments, this versatile choice will literally be a matter of life and death. Affordable Many people exaggerate the price of life insurance policy by up to triple of the actual price. Millennials actually think it’s such an expensive investment to buy an insured life policy,
which is logical given how they can barely survive in the first place. In fact, the term life policy is cheaper than the whole. Younger, healthy individuals have lower costs than older people with existing health conditions.
You could still have cheaper options if you are searching for a life-saving policy for older people or, especially, people with existing health issues. Insurance companies and individual brokers usually just stick to one type of policy and cater exclusively to the people interested in their policies, in an attempt to make
a name for them. For starters, certain businesses forgive former smokers. For diabetic people, others could offer low prices. If your rate for life insurance is too large, look around. You could probably find a lower interest
rate elsewhere for similar benefits. Insurance is a massive buy and will remain with you through many decades. If you already have an existing policy, take into account that your financial adviser should review it. This
can be because of the fact that more insurance can be really beneficial. This is particularly true if in the past several years your life's situation had gotten more complex or if the old policy has lapsed. Don't
presume an existing life insurance policy from your job is enough. Almost all of the policies of life offered by business owners encompass your pay multiplied by three. Even if that can seem like a respectable amount, what would happen in case you left
them, voluntarily or involuntarily? You'd be left without insurance unexpectedly. Eventually, when you grow older, the insurance slowly becomes more costly. In fact, prices for a 40-year-old can be nearly 2 times
higher than for a 35-year-old. Remember not to delay buying a policy for benefits because the premium can only increase as you age. Like so much of the wealth management field, life coverage can at first sound confusing and daunting. Seek financial support and don’t be afraid to ask tough questions to a
specialist. This is a big ticket item which can substantially influence your family and friends. Life insurance protects your loved ones from financial hardship induced by your death. Most of us are mindful of the urgency of a
life insurance policy; however, some people continue to wait for an event to push them to purchase it, which would potentially harm them or their families. Don't wait till it’s too late.
- [How to invest your money in 2017 amidst ambiguous and uncertain market](https://howtofinancemoney.com/invest-2017): Now, with understanding of this - how to you actually invest your money in 2017 with all ambiguous and uncertain market landscape?
- [3 crucial changes in EPF Members’ Investment Scheme you may not know](https://howtofinancemoney.com/epf-mis): (read more: EPF withdrawal for unit trust investment - complete annual comparison table for foreign-exposed unit trust funds)
- [Effective Ways To Manage Your Taxes](https://howtofinancemoney.com/effective-ways-manage-taxes): Here is what you need to know.
- [Making Early Retirement A Reality](https://howtofinancemoney.com/early-retirement-reality): It can be a rude awakening when you work out how far off retirement you are financially. However, with more Malaysians retiring before the age of 60 than any other Southeast Asian nationality, retiring early is very much within your grasp. It simply takes some careful planning, cost-effective lifestyle choices and sensible investments.
- [I Calculated the 0.2% Interest Savings due to OPR Cut by BNM; even I was surprised at this](https://howtofinancemoney.com/bnm-cut-opr): Question is - how much interest can you save, going forward? If you have a few properties, total interest savings can be up to hundreds of thousands...no kidding
- [4 Uplifting Approaches that increase the sustainability of early retirement](https://howtofinancemoney.com/201611approaches-early-retirement-html): Actually, none of us should complicate the principles of early retirement.
- [5 Unusual Ways to reduce the Retirement Savings Needs in the US](https://howtofinancemoney.com/5-ways-to-reduce-how-much-you-need-to-save-for-retirement): By downsizing your home, you can give your retirement savings shortfall a one-two punch by converting home equity into investment savings, while simultaneously reducing expenses.
- [6 Reasons your House Loan gets Rejected that has Nothing to do with you](https://howtofinancemoney.com/house-loan-rejected): So you think your have a clean CCRIS record and a current Debt Servicing Ratio (DSR) which is below 35%, surely your mortgage application will get approved without any hassle right?
- [What Investing is about – Warren Buffett Non-Answer on his Coke investment](https://howtofinancemoney.com/buffett-non-answer-on-coke): The highlight, IMO, of this year’s meeting is Buffett’s basic refusal to answer Andrew Ross Sorkin’s question about whether Berkshire shareholders should be proud to own shares of Coca-Cola.
- [7 Eye-Opening Shortcuts For A Simple Retirement Plan In Record Time](https://howtofinancemoney.com/shortcut-simple-retirement-plan): Your vision of retirement is the necessary starting point because it will determine how much your retirement will cost. You don't need to worry about the exact figures at this step, so a qualitative approach will do - such as frugal vs balanced vs luxurious.
- [Everything wrong with iMoney article on retirement planning](https://howtofinancemoney.com/imoney-retirement-planning): Let me explain.
- [Why we failed at delayed gratification and what to do about it](https://howtofinancemoney.com/failed-at-delayed-gratification): Every now and then, you get human visitors on safari taking photos of you.
- [9 No-brainer, Actionable Tips To Build Wealth For Early Retirement](https://howtofinancemoney.com/tips-early-retirement): It's simple because there are only 3 early retirement tips:
- [Negative Interest Rate – What, Why and How](https://howtofinancemoney.com/negative-interest-rate-what-why-and-how): Negative interest rates is a signal that traditional fiscal options have proved ineffective and new ways need to be explored. With other options to stimulate the economy limited, more policy makers are willing to test the technique.
- [3 Reasons why it is difficult to stock pick now](https://howtofinancemoney.com/reasons-difficult-to-invest-now): The reasons it is difficult to invest into public listed companies now are not because of weak ringgit  or low oil price. Although that add oils to the fire.
- [A fulfilled new retirement – an alternative to a conventional retirement](https://howtofinancemoney.com/new-retirement): Introducing the “New Retirement”. Retirees who embrace this model discover that it is a more satisfying life plan than the traditional model.
- [2 Surprisingly Simple Concepts that Affects Retirement Planning Success](https://howtofinancemoney.com/retirement-planning-success): The gist about retirement planning is startlingly simple because the essential principles can be reduced to just 2 fundamental equations. It is not some retirement magic number.
- [Lessons on failure, grit & persistence](https://howtofinancemoney.com/fail): In work and in life, there are two kinds of failure: actions and inactions. You can fail by starting a company that goes out of business or by not starting a company at all. By getting left at the altar or by never proposing marriage. Most people predict that it's the actions they'll regret more. We cringe at the anguish of declaring bankruptcy or getting rejected by the love of our lives. But we are dead wrong.
- [Common Laws People Break That Can Result in an Accident](https://howtofinancemoney.com/common-laws-people-break-accident): If there is one thing a lot of people are guilty of, it is being selfishly irresponsible. We all do things for our own enjoyment and pleasure, but a problem arises when such thinking puts other people at risk or encroach on other people’s space. Take driving, for instance. It is fun, and it is one of those things that you can do to clear your mind whenever you are feeling stressed. You could be driving at a moderate speed, minding your own business, only to find someone rear-ending you because they were going too fast and didn’t notice your car. Things like that happen too often, and it’s simply because people break the law and this can cause accidents. 
- [How to NEVER break your DSR investing in property](https://howtofinancemoney.com/dsr-property-investing): You can relate, yes? Many people moan & groan that they really want to take on more debt, but are currently “constrained” or “stuck” because of their high DSR - not able to borrow anymore from banks. Obviously, there are many ways to approach this issue, and there’s no one single solution. Property investment courses teach us how to “game” the system, and how to borrow or leverage to the hilt. How to leverage via “multiple submissions”. How to find Below Market Value properties to have a Zero Down Deal. How to find Bankers with looser Credit Policies.
- [Retire Early In 10 Years (or Less) – 3 steps to know](https://howtofinancemoney.com/retire-early-3-steps): This is one of three paths to retire early.  (the other two are real estate and owning your own business), and the rules are inviolable.
- [Early Retirement – Don’t make these 3 mistakes when you retire early!](https://howtofinancemoney.com/early-retirement-mistakes-retire-early): If you have yet to accumulate a substantial net worth, early retirement comes with impossible savings objectives (such as saving 80% of your income) and required investment strategies that were too risky (such as 50% annually).
- [How much really is the safe withdrawal rate from my retirement nest egg?](https://howtofinancemoney.com/withdrawal-rate-retirement): Before explaining the solution to this question, let me provide a little background information about retirement withdrawal rates so everyone is on the same page.
- [Fund child education wisely via Perth property investment](https://howtofinancemoney.com/child-education-perth-property-investment): ...when local (Malaysian) property investments appear inferior.
- [Akrasia: Why We Fail in Achieving our Financial Goals](https://howtofinancemoney.com/akrasia): The problem is so timeless, in fact, that ancient Greek philosophers like Socrates and Aristotle developed a word to describe this type of behavior: Akrasia.
- [You do not need budgeting if you possess these traits](https://howtofinancemoney.com/no-need-budgeting): If you are naturally good at this, then budgeting is of less importance.
- [Retirement calculators- 2 things we should focus on, and what we shouldn’t](https://howtofinancemoney.com/retirement-calculators-focus): All retirement calculators are inherently inaccurate by itself because they are either based on (or require you to make) assumptions* about the future which may (will likely) prove inaccurate.
- [How higher life expectancy invalidates your retirement planning calculation](https://howtofinancemoney.com/retirement-life-expectancy): In summary, the age of biology and increasing longevity alone virtually invalidates most conventional retirement planning calculations. It forces you to plan for a perpetual income stream instead of depleting your retirement principal.
- [Diderot Effect – Why We Buy Things We Don’t Need – And How to Resolve this](https://howtofinancemoney.com/diderot-effect): The simplest explanation of the Diderot Effect is this, “the introduction of a new possession into a consumer’s existence will often result in a process of spiraling consumption.”
- [How not be cheated by developer deals or investors’ club](https://howtofinancemoney.com/zombie-property-investor): Who is a Zombie property investor?
- [Property Investment – 6 Unusual Mantras to apply now](https://howtofinancemoney.com/property-investment): You can have it all in property investment, but not at the same time.
- [7 Top Ways on How to Prevent Home Loan Rejection – The Ultimate Guide](https://howtofinancemoney.com/top-ways-prevent-home-loan-rejection-the-ultimate-guide): Home loan cannot be separated from property purchase - be it for own stay or investment. “Affordable housing” is a recent buzzword much thrown about lately due to the increasing urgency of the matter, but the term itself may well imply different things to different groups of people.
- [CFP – Certified Financial Planner – adding value by strategic advice](https://howtofinancemoney.com/cfp-strategic-advice): Some of these innovative products and service models claim their effectiveness through cost reduction, in addition to simplicity of use, heedlessly implying that cost reduction alone can lead to superior outcomes for investors in the absence of any CFP - certified financial planner. This inadvertently undermine the role of holistic planning and strategies towards broader wealth creation.
- [Keep Your Money Safe with “Safe” Investments](https://howtofinancemoney.com/keep-money-safe): Generally speaking, there are two ways one can invest funds. You can either invest with high risk and high potential profits, or you can invest with low risk but lower profits. There are benefits and drawbacks to both ways, but as an inexperienced investor lacking the knowledge to properly invest in high-risk securities, safer options are recommended.
- [Top tips on Improving Forex Trader’s Psychology](https://howtofinancemoney.com/improve-forex-trader-psychology): We continuously face two major emotions through our trading journey: one is fear, and the other one is greed. Every regular Forex trader is familiar with the common tickling feeling when he sees the price is following his expected direction. When he sees the market is shaping into a fertile field for him, he cannot but long for leveraging it out to its maximum potential. Out of his fear or greed, he either will set for a low profit take to end up with a poor fortune, or he will set a too high profit-limit to watch the market taking a reverse. In both ways, he cannot earn as much as the market was ready to give.
- [How I saved RM 14,451 from bank’s refinancing mistake](https://howtofinancemoney.com/how-i-saved-rm-14451-from-banks-refinancing-mistake): In June 2015, I decided to refinance only the outstanding portion of my loan.
- [5 Reasons You Should Hire a Financial Advisor](https://howtofinancemoney.com/5-reasons-hire-financial-advisor): One of the main reasons that people in the U.S. don’t invest is because they just don’t know where to start. IRA’s, investment portfolios, and the stock market remain a mystery for many people. Getting the right advice from a financial advisor can help you make informed decisions about your financial future. Whether you want to focus on reducing your debt or start planning for your retirement, a financial advisor can guide you through the process and show you what investments will work for you. They can also work inside your parameters for risk, ensuring that you are comfortable with where your money is going.
- [How to Invest & Profit Unaffected by Stock Market Downturn (and Upturn)](https://howtofinancemoney.com/invest-profit-unaffected-by-stock-market-downturn): Question is - did you pick up any bargains during the correction period?
- [What does it really mean to invest amidst weakening ringgit](https://howtofinancemoney.com/invest-amidst-weak-ringgit): Huh?
- [The only Definitive 5 point Guide you need in the recent market decline](https://howtofinancemoney.com/definitive-guide-recent-market-decline): Source: Vocativ
- [Personal finance humor from London for Malaysian – Ahmad & Singh](https://howtofinancemoney.com/personal-finance-humor-london): Ahmad is a young Malaysian tourist on his first visit to London. He locates the red light district on the edge of SOHO and enters a large brothel. The madam asks him to be seated and sends over a young lady to entertain him.
- [4 Questions to ask yourself if you are living in Financial Integrity](https://howtofinancemoney.com/financial-integrity): Look at these 4 common examples below where people are commonly out of financial integrity…
- [10 things you don’t have to worry (much) when you are not rich & famous](https://howtofinancemoney.com/10-things-to-worry-rich-famous): The stereotype of the “gold digger” or “trophy wife” has been around for quite some time. For anyone that met their loved ones before wealth, the worry is most likely not there. However, for those that found them after wealth, the worry of whether your significant other really loves you for you or your money will linger.
- [When Should You Use a Lawyer?](https://howtofinancemoney.com/when-should-you-use-a-lawyer): Whether or not you should hire a lawyer can cause a lot of confusion for some people. You may feel like you don’t have enough money, or it is not a serious enough matter. You need to ensure that the person you hire covers the area of law your case pertains to - for example, if you hurt yourself and it wasn’t your fault, get in touch with a Fort Lauderdale personal injury lawyer.
- [166 KLSE stocks counters you want to stay away from](https://howtofinancemoney.com/166-stocks-counters-to-avoid): Some counters I could relate to are XOX (a really small telco, I wonder anyone you know is using XOX? I don't), Utusan Melayu (no surprise there!), Lion Corp, PentaMaster, Perwaja Holdings, and Takasa Resources.
- [Buying a Property – How to interpret developer’s offer](https://howtofinancemoney.com/buying-a-property-how-to-interpret-developers-offer): Example - Duck or rabbit in the image below?
- [4 Ways you lose money (without realizing it) by being Too Busy](https://howtofinancemoney.com/lose-money-too-busy):  The solution: Carefully plan if it justifies to spend the X amount of money for the time saved. Personally, I can concur that the time saved by paying RM 10 to the car wash center makes sense. Eating out for dinner every weekday is definitely NOT.
- [*Maybe* this is #1 reason why Penang affordable housing initiative will fail](https://howtofinancemoney.com/penang-affordable-housing-will-fail): Haven't you heard?
- [5 Things you did not know about being Frugal with money](https://howtofinancemoney.com/5-things-frugal-with-money): Others may look at frugality as a way of life. Or a mindset, if you may. It is an embedded hardware feature - just like the memory you have in your iPhone.  By default, you look for ways to minimize expenses and maximize your bang for the buck. By default, you question whether or not a pleasurable expense is really worth it.
- [These 4 Financial Advice needs to die immediately](https://howtofinancemoney.com/financial-advice-die): This whole situation with my friend got me thinking about all the insane financial "rule of thumb" I have heard over the years. Because, let's face it, bad financial advice is all around us. And while some is just outdated, other are borderline absurd.
- [These 9 mental traps on money – sound familiar?](https://howtofinancemoney.com/mental-traps-on-money): It’s actually against the law to make money, literally speaking -- that is the job of the government, which has been more and more willing to manufacture money in unjustified amounts. This mindset -- that we must make money to have it -- limits us into thinking trading full our time for money. Quit thinking about making money and think in terms of accumulating it. Like #1, when we trade something of value - be it a skill or product which is in demand, we will get money in return.
- [5 Common Misconceptions on Unit Trust Investing](https://howtofinancemoney.com/unit-trust-misconception): In a fund fact sheet, many investors tend to substract the annual management fee from the indicated returns to get the actual returns. For instance:
- [This is why EPF withdrawal at age 60 is a good thing – behavioral finance](https://howtofinancemoney.com/epf-behavioral-finance): The classic example at the time of this writing is the recent EPF-is-it-55-or-60 situation.
- [Top 2 EPF Misinformation you should be wary about](https://howtofinancemoney.com/epf-misinformation): Misinformation#1 - When your sole or last surviving nominee dies, your money automatically gets put into Amanah Raya Public trustee. On top of that, the death of any 1 of your nominees, your entire nomination will be void even though there are surviving nominees.
- [Here’s why we can’t be dependent on pension or retirement fund like EPF](https://howtofinancemoney.com/here-is-why-we-cannot-be-fully-dependent-on-pension-or-epf): Changes to the Retirement Fund Act 2007 which governs pension fund Retirement Fund Inc, or KWAP, has created a bit of a stir
- [6 Things Consumer need to know about Financial Planning in Malaysia](https://howtofinancemoney.com/6-things-about-financial-planning-in-malaysia): Just about everyone who is involved in some small way in personal finance related business claims to be one. And that includes anyone from insurance agents to mortgage agents and bankers. Even loan shark call themselves financial advisers. One of the grouses we all have is the fact that unqualified and uncertified people are claiming to be financial planning advisers and there is no enforcement to make sure people are not hoodwinked by non-professionals. This has created lots of confusion in the market place as to who and what financial advisers are.
- [11 non-complicated personal finance rules to break](https://howtofinancemoney.com/personal-finance-rules-to-break): First of all, personal finance isn't an all-or-nothing practice. Good financial planning involves balance and attentiveness to your unique situation. If your debt is low-interest and of the good debt kind (mortgage for example, as opposed to consumer debt, like personal loan), it always make sense to pay it off more slowly in favor of saving money first (such as for retirement or major expenses). Remember: compound interest has immense value, so the more money you can invest earlier in life, the less money you'll have to invest overall. .
- [How To Start Investing With $1,000](https://howtofinancemoney.com/investing-with-1000): More and more people realize the importance of investing and how it can help make your money grow over time. However, not all that know of this information have taken action to start an investment. Aside from being reluctant about where the money could end up in the coming years due to the fear of uncertainty, another reason for the low turnout of investment is due to the lack of information and knowledge on how to start investing. We’ll discuss some of the ways you can start an investment with just $1,000.
- [Why you should have an Investment Policy Statement](https://howtofinancemoney.com/investment-policy-statement): IPS provides the framework for your investment decisions. The IPS ensures that the decision-making process with respect to the management of your money will be consistent, even when unexpected market fluctuations tempt to distract you from your long-term strategy. Investment recommendations will always be made based on the guidelines that agreed upon and outlined in this document.
- [The top 3 investing truths I tell my financial planning clients – point blank](https://howtofinancemoney.com/the-top-3-investing-truths): Most of the time, my role as a financial adviser extends beyond what most people think - dealing solely with wealth management. It is not written in the stone, but when it comes to the most important aspect, it is actually to keep emotions from creeping into monetary decisions, especially the investment aspect.
- [Are Medicare Advantage Plans a Sound Financial Decision?](https://howtofinancemoney.com/medicare-advantage-sound): Our health can be one of our most significant investments. We don’t want to be draining our pockets of medical costs at some time in our lives. That is why we should prepare a health care plan for medical situations that may arise in our lives. But what should be the ideal health plan? Initially, there was only the original Medicare plan of Part A and Part B (covers hospital and medical expenses, respectively), but they will need to add Part D to include prescription drug coverage; and then there’s the Medicare Advantage plan, which covers Parts A and B and usually Part D plus other benefits that Medicare doesn’t cover. With the many medical coverages available in Medicare Advantage, would it be a sound financial decision to obtain it?
- [The Definitive Short Guide on how GST impacts investment](https://howtofinancemoney.com/the-definitive-short-guide-on-how-gst-impacts-investment): Although both are borne by consumers, GST is collected by business operators to be paid to Customs Dept,while Service Charge is collected by business operators as part of their business income.
- [The Definitive (Near) Utopian Guide in Cash-flow property investing](https://howtofinancemoney.com/definitive-near-utopian-guide-cash-flow-property-investing): 2 things to minimize the risk- a low vacancy rate in that area and a background check on potential tenants.
- [For those who panicked on stock market drop, here’s some perspectives](https://howtofinancemoney.com/panicked-stock-market-drop-heres-perspectives): Although the recent decline in stock market was very steep, the overall fundamentals remain sound due to the strong US economic growth and lower crude oil price which is a blessing to many economies in terms of lower import bills, lower inflation, higher global economic growth and higher consumer spending power.
- [2015 is going to be tough – here’s 3 major reasons why](https://howtofinancemoney.com/2015-tough-heres-why): To gauge realistically its impact, look at Japan's experience in early 2014, when it increased its sales tax for the first time in 17 years.
- [The 5 Mistakes every investor makes and how to avoid them](https://howtofinancemoney.com/5-mistakes-every-investor-makes-avoid): This sums up the whole chapter.
- [This is your Path to Financial Happiness – Illustrated and Simplified](https://howtofinancemoney.com/path-financial-happiness-illustrated): Excerpt from Business Insider - an article by New York Times columnist, author, and financial planner Carl Richards who has made a career out of exposing and analyzing what he calls the “behavior gap” — the gap between what you should do with your money and what you actually do.
- [Why Moats Matter by Morningstar](https://howtofinancemoney.com/moats-matter-morningstar): Why Moats Matter is all about Morningstar taking this concept a step further and developed a comprehensive moat-based analytic framework that can be applied consistently across a broad, global list of companies.
- [We all have 4 ‘Spouses’ in our Lives – How? This may enlighten you](https://howtofinancemoney.com/4-wives-food-thought): One day the merchant fell ill. Before long, he realized he is going to kick the bucket soon. He thought of his luxurious life and told himself:
- [How To Side Step Your Biggest Investment Enemy](https://howtofinancemoney.com/side-step-biggest-investment-enemy): In the three years ending October 28th, the Malaysian stock market gained 28.87 percent.  Most Malaysians likely did worse.
- [Confession of Warren Buffett & a private fund manager](https://howtofinancemoney.com/confession-warren-buffett-private-fund-manager): Nearly $1 billion on IBM after the company posted disappointing earnings, while Coca-Cola (KO) did the same thing , posting third-quarter revenue that fell short of expectations.
- [Here’s how you really recognize true wealth which you don’t see](https://howtofinancemoney.com/recognize-wealth): We seldom think of it that way. Most of our perception of wealth is shaped via material possession, especially by what we see other people have. Since we don't have access to their net worth statement, that's all we have to come to our own assumed conclusion.
- [Unbelievable Money mindset we all can learn from this Malay dude’s story](https://howtofinancemoney.com/money-mindset-faizul-ridzuan): Not being racist here but to quote Tan Sri Clement Hii - "...I won't know how the perception of Malays being "lazy" come about. But I have Malay friends, staff and business associates who are fiercely smart and very hardworking. "
- [Road Accidents, Investment and Financial Planning](https://howtofinancemoney.com/road-accidents-financial-planning): As for investment, we learn from own experience or better, from experience from others. They say - "the wise man learns from the mistakes of others and never make it in the first place". Those who are wise enough will not dabble in risky and poor quality stocks as we know they are speculative.
- [The Reality of Mortgage before Marriage](https://howtofinancemoney.com/reality-mortgage-marriage): Taking a mortgage together before the promise of "forever ever after" could have a totally opposite effect.
- [Why your Financial Adviser or Planner is not actually Financially Free (yet)](https://howtofinancemoney.com/not-financially-free): It is also equally likely that you earn more than your financial adviser and have higher net worth than him/her.
- [Bull or Bear – we still Invest – here’s why](https://howtofinancemoney.com/bull-or-bear-we-still-invest): Just like the optimist vs the pessimist scenario- the glass could be perceived as half empty or half full.
- [You won’t believe how easy it is to Tame Materialism](https://howtofinancemoney.com/tame-materialism): But just what keep us happy? Most of us know it's all about a highly valuable life. However, society dictates a highly valuable life entails bigger houses, bigger cars, luxury good, etc.
- [Life Employment versus Life Employability – a Fresh Perspective](https://howtofinancemoney.com/life-employment-versus-employability): In the last decade or so, there has been a fundamental shift from lifetime employment to lifetime employability. People want to know that no matter what happens to their current employers, they'll be able to secure another job somewhere, ideally with equivalent and no lesser pay.
- [To Delay is Human but to Will is Divine – Interview with Peter Lee Part 2](https://howtofinancemoney.com/will-is-divine-part2): The above is what Peter Lee would tell you if your problem is close-mindedness when it comes to estate planning. This is the part where I like most.
- [To Delay is Human but to Will is Divine – Interview with Peter Lee Part 1](https://howtofinancemoney.com/to-will-is-divine): Peter started off as a Company Secretary in 1988. A member of the Malaysian Association of Company Secretaries, Peter still provides company secretarial services. However,  in providing secretarial services to many companies, he encountered countless disputes among business partners especially those involving family businesses. He attributes this to lack of or no planning at all pertaining the matters of succession and distribution of their estate to the next-of-kin in the event of death of a partner. From that day onward, he expanded his services as professional estate planner.
- [The 7 deceptively simple Virtues a milionaire knows and won’t tell you](https://howtofinancemoney.com/money-virtues): Millionaire goes much deeper than just the ringgits and cents. He is a man of virtue. He knows them well, forms his life principles around them when it comes to money management. And I realized, these are the virtues he kept close at heart.
- [Why the Spotlight Effect may make you Stressed & Unhappy despite having Money](https://howtofinancemoney.com/why-the-spotlight-effect): It is so hard because the answer lies in our mind. Our psychology. Our mind is playing this trick on us.
- [The Magic Number which represents the Tipping Point of Financial Happiness](https://howtofinancemoney.com/tipping-point-happiness): According to the study, no matter how much more than 75,000 a year people make, they don't feel any greater degree of financial happiness.
- [What we can learn from World Cup and then apply it to investing](https://howtofinancemoney.com/world-cup-and-investing): Pretty ridiculous right? All defenders, no strikers or midfielders. Don't laugh, although not practically possible, this is practically what happens when you choose to put all your extra money "investing" into fixed deposits. Figuratively speaking, there is no difference from your elders back in the day where they think keeping cash in milo tins under their bed is the safest option. You save for the sake of savings, not save for investing.
- [The Investment Enemies we faced – they are probably not what you thought](https://howtofinancemoney.com/investment-enemies): Enemy#3: Mr Market
- [The Bliss and Reality of Modern Marriage](https://howtofinancemoney.com/bliss-reality-marriage): There was a moment in the ceremony when I was up there next to you, holding the ring, I took a trip down memory lane with vivid images of the past surged through my mind, I remembered that day, the day my cousin set his eyes upon you, came to me, shyly, he asked
- [How your blood sugar play a major role in personal finances – believe it?](https://howtofinancemoney.com/willpower-personal-finance): It is especially important when it comes to personal finance - I call it financial willpower.
- [The New Retirement-Mentality (aka Retirementality) by Mitch Anthony](https://howtofinancemoney.com/new-retirementality): How retirement came about
- [Why a mutual fund agent can promise you profit while a fund manager could not?](https://howtofinancemoney.com/agent-promise-profit): Compare that with humble statements from a fund manager, below - excerpt from CIO of Philip Capital Management (PCM), Ang Kok Heng - latest memo in April 2014
- [This guy insurance policy doesn’t pay him, and you won’t believe WHY until you read this](https://howtofinancemoney.com/medical-insurance-complications): You can read his original letter HERE.
- [Economic contraction in 2014? See this similarity with 2008 to believe it](https://howtofinancemoney.com/economic-contraction-2014): It is yet to see if a rebound is present for Q1 2014. Up until Q4 2013, the Business Condition Index (BCI) has been below the threshold. So is GDP.
- [Why Job Security is overrated, and Why Businessman Makes Bad DIY Investor](https://howtofinancemoney.com/job-security-and-diy-investor): I have seen increasingly more professional executives being retrenched at the peak of their career (late 30s and early 40s) and many could not find a similar good paying job as compared to their last retrenched one.
- [How to really write a fool-proof personal will for asset preservation](https://howtofinancemoney.com/how-to-really-write-a-fool-proof-personal-will): This list above it not exhaustive but it covers most aspects many would have overlooked.

## Pages
- [Retirement Roadmapping & Scenario Analysis using AI (Malaysian with Investment Properties)](https://howtofinancemoney.com/retirement-investment-properties): A post shared by CF Lieu (@cflieu1)
- [Retirement Roadmapping & Scenario Analysis using AI (Malaysian with Too Many Insurance Policies)](https://howtofinancemoney.com/retirement-reduce-insurance): A post shared by CF Lieu (@cflieu1)
- [Retirement Roadmapping & Scenario Analysis using AI (Malaysian with Mortgages)](https://howtofinancemoney.com/malaysian-mortgages): A post shared by CF Lieu (@cflieu1)
- [Retirement Roadmapping & Scenario Analysis using AI (Malaysian Medical Professionals)](https://howtofinancemoney.com/retirement-medical-professional): A post shared by CF Lieu (@cflieu1)
- [Retirement Roadmapping & Scenario Analysis using AI (Malaysians Working in Middle East)](https://howtofinancemoney.com/retirement-middle-east): A post shared by CF Lieu (@cflieu1)
- [Retirement Roadmapping & Scenario Analysis using AI (Malaysians Working in US/Europe)](https://howtofinancemoney.com/retirement-malaysians-us): A post shared by CF Lieu (@cflieu1)
- [Retirement Roadmapping & Scenario Analysis using AI (Business Owners)](https://howtofinancemoney.com/retirement-business-owners): A post shared by CF Lieu (@cflieu1)
- [Retirement Roadmapping & Scenario Analysis using AI (Malaysians Earning Singapore Dollars)](https://howtofinancemoney.com/retirement-malaysians-sgd): A post shared by CF Lieu (@cflieu1)
- [Retirement Roadmapping & Scenario Analysis using AI (Malaysians with Overseas Investment Property)](https://howtofinancemoney.com/retirement-overseas-property): A post shared by CF Lieu (@cflieu1)
- [Retirement Roadmapping & Scenario Analysis using AI (for Couple or Dual Income Households)](https://howtofinancemoney.com/retirement-dual-income): A post shared by CF Lieu (@cflieu1)
- [Retirement Roadmapping & Scenario Analysis using AI (Singles or Single Income Households)](https://howtofinancemoney.com/retirement-single-income): A post shared by CF Lieu (@cflieu1)
- [Your Retirement Engine Presentation (for UPM x Great Eastern Retirement Symposium)](https://howtofinancemoney.com/your-retirement-engine-upm): Contact Form
- [Client Case Study: “How Soon Can I retire with What I have, (without using Excel)”?](https://howtofinancemoney.com/client-case-study-how-soon-can-i-retire-with-what-i-have): ✅ Retirement Planning for Single Income Households
- [Testimonials | CF Lieu Advisory](https://howtofinancemoney.com/our-testimonials): Our clientele of high-flyers and professionals, regardless of race or skin color, vouch for the value and clarity of our fee-based advisory. These are real people, real stories…and a taste of tailored-to-your-needs advisory.
- [Wealth Advisor & Wealth Advisory in Malaysia | CF Lieu Advisory](https://howtofinancemoney.com/services/wealth-advisor-wealth-advisory): Our Wealth Advisory service goes beyond traditional financial advice — we deliver personalized, investment-focused strategies to grow, preserve, and transfer your wealth across generations.
- [Cashflow & Financial Health Check | CF Lieu Advisory](https://howtofinancemoney.com/services/cashflow): Our Financial Health Check is the starting point for taking back control. It's a simple, powerful process to diagnose what's working, what isn't, and where your greatest opportunities lie. Stop guessing about your financial future and start building it with confidence.
- [Retirement Advisory, Nest-Egg Building, Sustaining and Withdrawal Strategy | CF Lieu Advisory](https://howtofinancemoney.com/services/retirement): The great retirement question isn't just if you can retire, but how you'll live, how you'll spend and—more importantly— how far will your money last?
- [Investment Advisory | CF Lieu Advisory](https://howtofinancemoney.com/services/investment): Our independent investment advisory was designed to break this cycle. We provide transparent, unbiased advice without the sales talks and the ‘conflict of interests’ that are common in the financial industry.
- [Insurance Advisory: Maximize the best Coverage for yourself at the Lowest Cost | CF Lieu Advisory](https://howtofinancemoney.com/services/insurance): Our clients approach us to get unbiased advice before they decide to buy any insurance solution, particularly medical & health insurance. We work for you, not the insurance companies.
- [Our Services – Financial & Wealth Advisory by CF Lieu | CF Lieu Advisory](https://howtofinancemoney.com/services): Our Outcome-Oriented Advisory approach places you at the center of everything we do.
- [Wealth Advisor | Financial Advisor | Financial Planner Malaysia – CF Lieu ](https://howtofinancemoney.com/): Customized, independent advisory helps you with nearly any financial decision you face, from (re)constructing investment portfolios & expanding your financial opportunities to retirement roadmapping & evaluating insurance needs.
- [About CF Lieu: Independent, Certified & Licensed Financial Advisor](https://howtofinancemoney.com/about-cflieu): To empower your financial decisions with actionable, relatable, and affordable advice that always puts your best interests first.
- [Contact us – Want Unbiased & Actionable Financial Advice? | CF Lieu Advisory](https://howtofinancemoney.com/contact-details): Independent, Actionable Advisory that enable you to:
- [“HOW MUCH 💰 IS ENOUGH TO RETIRE?”](https://howtofinancemoney.com/airasuperuser2): Find out instantly if you have enough. Test different withdrawal strategies. Validate your numbers. Start using it below 👇
- [“HOW MUCH 💰 IS ENOUGH TO RETIRE?”](https://howtofinancemoney.com/airasuperuser): Find out instantly if you have enough. Test different withdrawal strategies. Validate your numbers. Start using it below 👇
- [A.I. Powered Retirement Roadmapper Tool](https://howtofinancemoney.com/aira-optin): Enter Name & Email to Use, Free
- [“HOW MUCH 💰💸 IS ENOUGH TO RETIRE?”](https://howtofinancemoney.com/how-much-is-enough-to-retire-in-malaysia): Review your plan. Test withdrawal strategies. Validate your numbers.👇
- [Personalized Advisory to Compare Best Medical Coverage within your Budget](https://howtofinancemoney.com/medicquote): Receive a Paid Personalized Advisory and Exact Premium Costing for your age, from 3-5 different insurers, all in one place (No need to talk to multiple insurance agents or disclose your phone number)
- [Financial Readiness Self-Assessment for Retirement / Career Break](https://howtofinancemoney.com/financial-readiness-self-assessment-for-retirement-career-break): Only takes 4 minutes. Your readiness score revealed in the next page (no email needed)
- [Monthly Update – High Dividend Stocks List](https://howtofinancemoney.com/hdl): Hi I am CF Lieu, My work includes being a trainer for banks & investment management companies for their internal staff - bankers, financial advisers, research analysts, accountants, etc.
- [Financial & Wealth Advisory Services by CF Lieu](https://howtofinancemoney.com/legacy-services): Outcome-Oriented Advisory
- [Blog](https://howtofinancemoney.com/blog)
- [Why We Charge Fees](https://howtofinancemoney.com/open-letter-to-client): To Prospective Client, this is the page that explains Financial Planner & Wealth Advisor Consultation Fees. You can then continue with the below :)
- [Why CF Lieu?](https://howtofinancemoney.com/cflieu): CF Lieu believes it works the same way for IFA.
- [Why Do You Need Financial Advisory?](https://howtofinancemoney.com/financial-planning-why): Life is a combination of decisions –
- [Clients’ Testimonials](https://howtofinancemoney.com/testimonials3): Real people, real stories...and a Taste of Tailored-to-your-Needs, Independent Advisory
- [Case Study 3](https://howtofinancemoney.com/case-study-pierrep): General Manager - The Ritz-Carlton HK
- [Case Study 2](https://howtofinancemoney.com/case-study-stephanie): I know I had bought a RM 800k coverage policy from the banker who handled my first house loan application. It is costing me RM 6,500/year. But I didn't have the policy itself in hand, so that's about all I know.
- [Case Study 1](https://howtofinancemoney.com/legacy-services/legacy-cashflow/case-study-johnpaul): Back in 2013, before I engaged CF to conduct a thorough fee-based financial plan for myself and family, I was paying RM 6,290 annual premium for my 2 insurance policies.
- [Case Study Saiful](https://howtofinancemoney.com/case-study-saiful): Saiful has been overpaying an 20 years insurance policy (aka the savings plan/endowment type) which drags him down to a low 5 figure sum of annual premiums. Not that he cannot afford it but after a few years ( he bought it in 2010), he didn't see the point of continuing and felt he could better use that money somewhere. However, the straw that broke the camel's back was the fact that he really didn't see any tangible return of investment from paying the premium every year.
- [Financial Planner in Penang – find a great One in](https://howtofinancemoney.com/financial-planner-in-penang): Nonetheless, you know you probably understand the benefits a true financial planner can bring to your life & family. This is a comprehensive guide to separate the wheat from the chaff when it comes to hiring that good financial planner in Penang. At the same time, it will help you maximize the benefits of engaging a financial planner with the fees you paid.

## Categories
- [Cashflow](https://howtofinancemoney.com/category/cashflow)
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