Public Mutual Booth. Bayan Lepas

Public Mutual Booth. Bayan Lepas Gazelle Oon Unit Trust Consultant

What if I can’t commit every month?”That was his first fear.Not, “How does it work?”“What if I did not save monthly? Wil...
25/05/2025

What if I can’t commit every month?”
That was his first fear.

Not, “How does it work?”

“What if I did not save monthly? Will I be penalized?”
'' If I stop my monthly saving, how many percent i get back?"
I got this quiet often.

He wasn’t careless.
He was just scared to take that first step.
Deep down, he knew he needed to start.
And he is not the only one.

This fear? More common than you think.

I do not know why many associate UNIT TRUST with saving insurance.
Young exec, Sme..

Unit Trust ≠ Insurance Savings Plan
Insurance: Fixed monthly payments. Skip? Might lose the whole policy
Unit Trust? PRS?
✅ No penalties
✅ No lock-in.
✅ You’re in full control
It’s a parachute, not a prison.
You can pause. Skip. Top up. Redeem
No chains ...

Here’s what I told him:
“Don’t think forever. You can start with RM10, RM100 or RM1K”
Wealth is NEVER about perfect.
It’s about one step. Then another.

Fear of failing? Real.
But the cost of never starting? Far worse.
Waiting for the “right time”? This is it.

Start now. Even RM10 is a start.
Message me, if you’re stuck.
No pressure.




My mission is simple: to journey with you toward your financial goal

At 180cm some might say I belong on a runway.
But my real runway is walking alongside you on your path to financial freedom

Last Sunday at MIqi Mao..
25/05/2025

Last Sunday at MIqi Mao..

Chillax on Sunday at the booth.
18/05/2025

Chillax on Sunday at the booth.

These days, everything also must upgrade… but actually, simple life is still the best.Nowadays, very easy to get caught ...
11/05/2025

These days, everything also must upgrade… but actually, simple life is still the best.

Nowadays, very easy to get caught in the cycle—must wear branded clothes, change new phone every year, or aim for bigger house. But sometimes, the most peaceful and meaningful life is the simple one.

This picture reminds us:
It’s okay to wear old but comfortable clothes.
Okay to still use your phone until rosak.
Okay to live in a small but cosy home.

Simple doesn’t mean you’re losing out.
It means you choose quality over quantity, peace of mind over stress, and real happiness over showing off.

So don’t worry what others say. As long as you feel content, that’s more than enough.



-------------------------
My mission is simple: To journey with you toward your financial goal

At 180cm, some might say I belong on a runway
But my real runway is walking alongside you on your path to financial freedom.

The RM46,000 Screw You heard of the old story of the engineer who charged (USD10,000) RM46,000 to fix a broken machine R...
10/05/2025

The RM46,000 Screw
You heard of the old story of the engineer who charged (USD10,000) RM46,000 to fix a broken machine
RM4 for turning the screw.
RM45,996 for knowing which screw to turn?

It’s not just some legend. It really happened.

His name was Charles Proteus Steinmetz, one of the top minds in electrical engineering.
One day, a huge generator broke down at Henry Ford’s River Rouge plant. None of the in-house engineers could fix it.
So they called Steinmetz.

All he asked for was:
A notebook, a pencil, and a place to rest.

He spent two full days and nights just listening to the machine, jotting down calculations.

Then he asked for a ladder, a measuring tape, and a piece of chalk.
He climbed up, marked a spot with an X, and said:
“Open this panel, unwind the coil here, and remove 16 turns of wire.”

The engineers followed exactly what he said — and the generator started working immediately.

Few days later, Ford received the bill: RM46,000. ( USD 10,000)

He asked for a breakdown.

Steinmetz replied:
Marking the X: RM4
Knowing where to mark: RM45,996

Without any complaints, Ford paid the full amount.

Now let’s bring that lesson to your investments.
A friend told me recently,
“I’ve been investing on my own for more than 10 years already , no consultant, no service charge!”

I asked, “So, how much return you got?”
He said, “About 2% a year lor.”

Think about that.
2% annualize return, for more than 10 years.

No service fee ,yes, he saved that.
But he also missed out on:
✅ higher returns
✅ proper strategy
✅ and guidance when the market was down.

He didn’t lose money.
But he lost time and potential.
And the worst part? Most people don’t even realise it’s happening.

That’s where a qualified consultant makes the difference.

We’re not here to force you to buy.
We’re here to help you see what you might have missed.
To guide your money properly , not just leave it to “try luck” or follow online tips.

Because investing is not just about picking funds.
It’s about:

Knowing where you are now
What’s your end goal
And how to get there safely and efficiently
You wouldn’t self-medicate for serious illness, right?
Same with your finances .DIY can be painful if done wrong.

So just imagine:
10 years from now, you look back and see your investments grew consistently , not because you took big risks, but because you had the right person showing you where to mark the X.

That’s the value of proper guidance.

Because sometimes, the difference between 2% and 8%…
Isn’t luck.
It’s experience.

And that’s what you’re really paying for.

Two faces. One global crisis.The disbelief, the realization , captured during one of the most chaotic days in financial ...
05/05/2025

Two faces. One global crisis.
The disbelief, the realization , captured during one of the most chaotic days in financial history.

🗓 Black Monday, October 19, 1987.
Exactly 37 years ago, the Dow Jones fell by a staggering 22.6% in a single day, wiping out $1.71 trillion TRILLION ! in market value.

Two traders.
Two expressions.
One harsh reminder:

Markets crash fast. Financial resilience takes foresight.

As a unit trust consultant, I don’t sell panic or predictions.
I offer a plan , a strategy to help clients weather storms like these:

✅ Diversification across sectors and regions
✅ Long-term, goal-driven investing
✅ Emotional discipline in turbulent times

History doesn’t repeat, but it often rhymes.
Crises will come again. The question is: Will your investments be ready?

Let’s build something resilient, together.

"I work hard every single month... so why does buying a house still feel out of reach?"If that question has ever crossed...
05/05/2025

"I work hard every single month... so why does buying a house still feel out of reach?"

If that question has ever crossed your mind, you’re not alone.
And you're definitely not failing.

You see, we’ve been conditioned to believe:

“A house means success. A house means you’ve made it.”

But no one told us what it really costs.
Not just in ringgit, but in peace of mind.

Recently, real estate agent shared a statement that stirred up emotions:

“If your income is below RM5,000/month, think twice before buying a house.”

At first, it felt harsh.

But Have you did the math. And honestly? It was sobering.
💰 RM300K house → Ideally, income of RM4,300/month
💰 RM400K → RM5,100
💰 RM500K → RM6,300
💰 RM600K → RM7,600
💰 RM700K → RM8,900+

Now pause and ask:
What’s left after that for daycare? Petrol? Car loan? Groceries? Unexpected bills?

And here's the analogy that changed how I saw it:
Buying a house before you're ready... is like wearing shoes two sizes too small.
Sure, you can walk in them but every step feels painful.
Eventually, you stop enjoying the journey.

So here’s what the fact is

🌱 You’re not late. You’re preparing.
💡 Use only 1/3 of your income for housing , so your life can still breathe.
💡 Renting? It’s not a failure. It’s a strategy.
💡 Focus on growing your income, step by step.
💡 Save 10% at your own pace , for your future keys.

Because pressure doesn’t pay instalments.
But clarity? That gives you power.

You don’t need to race to catch up.
You just need shoes that fit.
And a plan that supports you.

What does “home” mean to you right now , comfort or compromise?
Share your journey. Someone out there might need your story today.


Here is the sun post
https://thesun.my/viral/going-viral/if-your-salary-hasn-t-reached-rm5k-don-t-buy-a-house-cautions-m-sian-real-estate-agent-AE14015720

"If Warren Buffett can let go… Can you trust someone else to grow your money too?"At 94, Warren Buffett finally said it ...
04/05/2025

"If Warren Buffett can let go… Can you trust someone else to grow your money too?"

At 94, Warren Buffett finally said it out loud:
“It’s time Greg Abel takes over as CEO.”

Imagine leading something for 60 years… then deciding to step back, with full trust in the person you’ve prepared.
That takes vision. That takes emotional certainty.

And now?
The whole world watches, but Buffett says:

> “I’m not selling a single share. I believe Greg will do even better than me.”

Pause.
If the world’s greatest investor can pass the baton…

Can you start trusting someone else to guide your financial future too?
Can you shift from DIY to delegation?
Can you let go of fear and adopt strategy?

You don’t need a billion to start.
You just need a decision to work with someone who values what you value:
stability, integrity, and results.

If you’re ready to build a legacy, not just returns,
If you’re exploring how to grow your financial future with guidance
I’d be happy to chat, share perspectives, and explore what’s possible..

My sister inherited PRS from ### insurance company gave her high return. I only want that company!”That was what a refer...
03/05/2025

My sister inherited PRS from ### insurance company gave her high return. I only want that company!”

That was what a referral said to me one day.
She had received a lump sum from her family inheritance.
Naturally, she wanted to grow it.
But her first reaction wasn’t about strategy, suitability, or long-term goals.
It was about comparison.
Understandable.
When you've seen a number that looks good, especially from something that feels safe or familiar.
it becomes the benchmark.
Like tasting a sweet fruit once and assuming all fruits should taste the same.
I gently shared with her:
Returns are only one part of the picture.
What’s often missing?
✅ Tax relief (up to RM3,000!)
✅ Retirement readiness
✅ Long-term compounding that works quietly in the background
✅ A structured plan aligned to your own life, not just numbers on a chart
A good year or a “lucky fund” doesn’t mean it’s right for every season.
Markets change.
So do our needs.
And a strong plan?
It looks beyond a single return.
It looks at the full journey.
She listened (with a slightly raised eyebrow 😅)

Perhaps now, whenever PPA releases the PRS annual performance update,
I just send her the link.
No push. No hard sell.
Just a quiet reminder. 😊
Because empowerment comes from awareness, not just returns lah!
Lesson learned?
Don’t measure your future by a single percentage.
Measure it by how well your plan supports your goals.

Bro, earn 10k a month?Sounds like can chill already, right?K.k used to think like that too.Then reality hit, expenses 9...
02/05/2025

Bro, earn 10k a month?
Sounds like can chill already, right?

K.k used to think like that too.
Then reality hit, expenses 9.5k.
Stress? Still same old story.

"Maybe if I hit 100k, life will syok?"
He did. Bought a car to reward himself.
Boom and 95k gone.
Still feel broke vibes.

"Okaylah, 1 million. That one confirm settle!"

Guess what? Ferrari monthly payment is six figures.
Still empty inside.

What I learn from KK:

Keep spending low-key.
Let income naik slow slow.
When the gap between earning and spending jadi besar,
Only then upgrade lifestyle.
Pay cash. No hutang, no headache.

Only then, real peace come.

P/S: You feel this too or not?

哇，一个月赚一万，听起来，好像稳稳过日子咯？KK 以前也是这样觉得的。结果，开销来咯, 九千五。压力？照旧咯，没差。“可能赚十万就会比较好？”真的赚到咯，买辆车庆祝一下，结果咧？九万五没了。还是一样，手头紧紧的。“一百万，应该就够了吧？”谁...
02/05/2025

哇，一个月赚一万，
听起来，好像稳稳过日子咯？

KK 以前也是这样觉得的。
结果，开销来咯, 九千五。
压力？照旧咯，没差。

“可能赚十万就会比较好？”
真的赚到咯，买辆车庆祝一下，
结果咧？九万五没了。
还是一样，手头紧紧的。

“一百万，应该就够了吧？”

谁知道，Ferrari一个月供期，
六位数照烧。
但心里，还是空空的。

KK给我的启发是：

开销简单化，
赚钱慢慢拉高，
当收入和开销之间的gap越拉越大，
那个时候，才升级生活。
用cash，一次过给完，
不要负债，不要压力。

这样，才是真正的安心。

P/S：你有同感吗？

Is Mahjong Gambling? Or a Secret to a Sharper Mind?A friend visited an old folks' home in Penang, I heard something inte...
29/04/2025

Is Mahjong Gambling? Or a Secret to a Sharper Mind?
A friend visited an old folks' home in Penang, I heard something interesting ..
staff are required to know how to play mahjong.
Why?
Because for many residents, mahjong isn’t just a game.
It’s their mental gym, keeping their minds razor-sharp.

Then another friend jumped in and said,
"I can’t play mahjong. Mahjong is gambling!"

Hearing that it took me straight back to childhood
where you taught, almost like a sacred rule: "No gambling allowed!"
For years, even just seeing a mahjong table would flash a big ❌ in mind.

But life taught me something different.
Mahjong itself isn’t gambling ,
it’s simply a tool.
Much like a kitchen knife:

In the hands of a chef, it creates masterpieces and feeds families.

In careless hands, it causes harm.

Mahjong can be a way to sharpen memory, master strategy, practice emotional control
or it can be misused, depending on the mindset.

The same applies to investing, business, even daily decisions:
With discipline and intention, they build and enrich life.
Without it, they destroy.

Imagine sharpening your mind every day, strengthening patience and connection ,all through something as simple as a game.

It’s never about the tool.
It’s about the hand and the heart
that wields it.

When you change the way you look at things,
the things you look at... change.

What about you?
Have you ever thought mahjong was just gambling?
Or maybe... it could be just a mental workout?

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Address

Miqi/Mao: Ice Cream And Tea. 2F, Jalan Sungai Ara 1, Bayan Lepas
George Town
11900

Opening Hours

Monday 12:30 - 19:00
Tuesday 12:30 - 19:00
Wednesday 12:30 - 19:00
Thursday 12:30 - 19:00
Friday 12:30 - 19:00
Saturday 12:30 - 19:00
Sunday 12:30 - 19:00

Telephone

+60124028514

Website

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