Dr Harith Abd Malek - Takaful.Investment.Legacy

09/05/2025

𝗢𝗣𝗥 𝗱𝗶𝗸𝗲𝗸𝗮𝗹𝗸𝗮𝗻 𝗽𝗮𝗱𝗮 𝗸𝗮𝗱𝗮𝗿 𝟯%

Syukur, pelabur2 di Malaysia masih boleh dapatkan pulangan yg competitive dengan instrumen² yg berisiko rendah.

Lagi² dalam keadaan geopolitik yg sangat volatile sekarang & jangka masa 6-12 bulan ke depan.

Apa pilihan tempat utk simpan duit dgn selamat & tenang? Selain TH atau ASB.

Simpanan tetap, money market instruments, fixed income securities / funds. Ni yg kita boleh explore.

Nak pilih yg mana 1? Macam kita pilih baju, kena tahu ukuran badan sendiri dulu.

Jom kita duduk sekali, sekejap, untuk fahamkan kedudukan kewangan kita sekarang.

Pastu baru kita pilih nak guna instrument yg berpadanan.

Bank Negara Malaysia keeps the Overnight Policy Rate at 3%, citing stable inflation and steady domestic growth. Despite global uncertainties like US-China trade tensions, Malaysia’s economy remains supported by strong domestic demand, E&E exports, tourism, and investment activity. Inflation is expected to stay manageable, and the ringgit outlook remains tied to external factors. BNM stays vigilant to ensure monetary policy supports sustainable growth.

03/03/2025

Relocate your big why

28/01/2025

To all our Chinese friends, we wish you a happy new year, Gong Xi Fa Chai!!

May this year brings you more prosperity & good health 🧧🧧🧧

16/01/2025

Caliph Life rebranded to (back to ori)

11/01/2025

Looks like we are on the right track. A couple miles off from what we aim as a team.

We will get there, insha Allah! ✊🏾

02/12/2024

Bantu orang kita

Mangsa banjir dah nak cecah 140,000 orang.

Kita yg tak terkesan, tak boleh buat tak tau.

Doa & derma. Paling² tidak.

Kalau tak sure nak derma kat mana, boleh derma ke:

PERSATUAN PERUBATAN ISLAM MALAYSIA
CIMB Bank: 8600 703 709
Reference: FLOOD RELIEF
Swift Code: CTBBMYKL

26/11/2024

Kalau dapat notice kenaikan harga kali ke-2, ke-3, tak tahu nak buat apa.

Let's get in touch. Kita discuss options yg kita ada.

Nak file in complaint ke? Nak communicate dgn siapa? LIAM, MTA, BNM (Ombudsman)?

Nak keep the plan? Ke nak surrender?

Patut replace the plan atau revise?

Tak ada jawapan yg standard utk semua orang. No one-size-fits-all solution.

I assure you, it's worth spending 1 hour discussing & planning for your future health.

24/11/2024

Ramadan is coming in less than 100 days

Nota utk diri sendiri:

1️⃣ Kena tingkatkan tilawah al-Quran, kena habiskan 1 juz setiap 5 hari, paling slow
2️⃣ Ringan² kan diri utk puasa sunat. At least puasa 3 hari putih
3️⃣ Kena latih diri utk bangun 1/3 akhir malam