AznahArshad

22/11/2023

Bersara Dengan Bermaruah

Semalam The Star keluarkan berita mengenai isu ketidakcukupan simpanan bagi pencarum mereka. 48% ahli mempunyai RM10,000 dalam akaun mereka. Kesannya mereka akan ada pendapatan kurang dari RM42 sebulan untuk tempoh 20 tahun pasca persaraan.

Dengan RM42 sebulan, ada beberapa keadaan akan berlaku:
✅️ pesara mungkin perlu berhenti bersara dan bekerja semula.
✅️pesara mungkin perlu jual aset sedia ada seperti rumah dan menyewa semula untuk tampung kehidupan
✅️pesara mungkin kena harapkan anak-anak atau saudara mara untuk bantu dengan sara hidup
✅️pesara perlu minta bantuan kerajaan untuk sumbangan bulanan
✅️pesara, pada keadaan paling teruk, menjadi gelandangan dan bergantung insane masyarakat.

Macam mana saya boleh cakap begitu? Salah satunya dari pemerhatian keadaan masa kini dan juga perkongsian dari orang. Paling saya s**a perhatikan adalah keadaan masyarakat di negara jiran.

Malaysia menuju ke arah negara berpendapatan tinggi sementelah negara tersebut berstatus negara berpendapatan tinggi. Jadi isu persaraan yang mereka hadapi mungkin akan kita hadapi masa depan.

Jadi cegah sebelum parah. Ingat sebelum terkena.

21/11/2023

InvestSmart2023

Financial planning is simply a process to devise strategies ♟️ for us to reach our financial goals. Do you have any financial goals 🎯 that you want to reach in short term (maybe 6 months to 1 year), mid-term (maybe within 5 years) or long-term goals (10 years and more)?

Usually, there are 3 steps involved in financial planning.

• Determine what is our financial goals/financial objectives. Big ticket items like buying your first house 🏠, child education 👩‍🎓and retirement plan 🏖️
• Determine the financial resources, income to meet your financial goals
• Coming up with the strategies of how we are going to reach the financial goals.

Meeting your financial goals will require a sound wealth management. Wealth management focuses on wealth creation, wealth accumulation, wealth preservation and eventually wealth distribution.

Poor wealth management will delay your effort in achieving your goals. Much worse, in some cases to abandon your dream altogether.

As an individual you can decide whether to do it own your own or engage a licensed financial planner. Of course, there are some benefits engaging a licensed financial planner as you save time and effort in organizing your finance 🗃️.

You will improve your financial wellbeing and a peace of mind as you know your finance is in order. This will give you the confidence and ability to achieve your desired lifestyle.

There are charges for financial planning services. However, event such as InvestSmart by InvestSmart SC will give you access to such service for free of charges.

I was there from 18 to 19 November offering my services to the public Free Of Charge. If you missed the chances and would like to have a free one-hour discovery session with me, click this link.

https://calendly.com/aznah

07/11/2023

Have you ever thought about investing your spare change?

Micro investing might be the answer you're looking for.

This innovative approach to investing allows you to start investing with just a few dollars, making it accessible to anyone with a spare change. Micro investing is becoming increasingly popular, thanks to the rise of mobile apps that round up your everyday purchases and invest the difference.

Don't underestimate the spare change in your pocket. With compounding effect through investing, it can make a difference to you some day.

Join us in this webinar "Micro Investment: Start Investing with Your Spare Change" as we invite the Licensed Financial Planner of Phillip Wealth Planners Sdn Bhd, Puan Aznah binti Arshad, to explore the world of micro investing and show you how to get started with this approach.

In this 1.5-hr webinar, you'll learn:
✅ Understand the concept of micro investment and how it helps in cultivating the habit of investing
✅ Identify the pros and cons of micro investment as compare to the traditional investment
✅ Learn the micro investing platform available in the market and guide to start investing
✅ Create a diversified portfolio to build long term wealth

Micro Investment: Start Investing with Your Spare Change
Date: 10 Nov 2023 (Fri)
Time: 8.30pm - 10pm
Register: https://us02web.zoom.us/webinar/register/5816776695305/WN_tqwWkctgQ4WqFM37_aRTpw

30/09/2023

Assalamualaikum dan salam sejahtera

Jemput datang untuk sesi PERCUMA selama 1 jam bersama perancang kewangan berlesen di Minggu Amanah Saham Malaysia 2023.

📈 Dapatkan nasihat tentang pengurusan kewangan yang merangkumi:

✔️ Perancangan Aliran Tunai & Nilai Harta
✔️ Perancangan Pengurusan Hutang
✔️ Perancangan Takaful
✔️ Persaraan, Pendidikan, dan Pelaburan
✔️ Perancangan Cukai & Zakat

Insya Allah Aznah ada di sana pada
📅 1 Okt - 3 Okt
📍 FEN Paviilion, Setia Fontaines, Bertam, Pulau Pinang
https://wa.link/27odbl

Jumpa di sana. 🎉

09/07/2022

06/07/2022

09/04/2022

Nak tengok kesan inflasi tak terkawal kepada pengguna?

Tengok negara Argentina.