Samantha Teh

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Samantha Teh

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A Licensed Financial Planner (CMSRL/B8336/2018) with 20 years of experience in financial industry.

28/08/2025

What is a Cash Trust?
A Cash Trust is a product where individuals deposit money into a trust arrangement, usually under the Trustee Act 1949 (Act 208), with the promise of returns. The funds are often pooled and channelled into investment vehicles—sometimes high-risk ones—with the aim of generating higher yields than traditional deposits.�Unlike licensed investment products regulated by Bank Negara Malaysia (BNM) or the Securities Commission (SC), Cash Trusts are typically not directly supervised by these regulators.

Top 5 Key Takeaways from the Article
1️⃣ High returns = high risk�Funds are often channelled into pre-IPO or high-risk deals.
2️⃣ Limited regulation�Not supervised by BNM or SC — you have less protection.
3️⃣ Big commissions drive hard selling�Agents may push aggressively because they earn more than from insurance.
4️⃣ Liquidity & loss risks�You may not get your money back easily if investments fail or get delayed.
5️⃣ Do your homework�Understand where your money goes, who controls it, and what legal safeguards you really have.

💡 If it sounds too good to be true, it usually comes with big risks.�
Stay informed. Protect your wealth before you invest.

06/07/2025

Rich People Make Money to “Make More Money"! 🤯 Why Are You Still Saving to "Buy a Lifestyle"?!

20/05/2025

🎬 Wrapped up a meaningful video shoot with OpenAcademy on May 15 — a project by FPAM and OpenAcademy in partnership with Bank Negara Malaysia, aimed at boosting financial literacy nationwide.

Grateful for the opportunity to contribute and a big thank you to the amazing hosts Fara and team for making the session so smooth and fun!

Can’t wait to see the final cut and the impact it will create. 💡💰

23/01/2025

🔷 *Monetary Policy Decision*

➡️ *No surprises, Bank Negara maintains OPR at 3%*

🔸 Global growth in 2024 exceeded expectations, with 2025 anticipated to sustain growth driven by strong labor markets, moderating inflation, and less restrictive monetary policies, though risks from trade restrictions and financial market volatility persist.

🔸 Malaysia's economic growth in 2025 is expected to remain strong, supported by household spending, wage growth, and investments from multi-year projects and national initiatives, alongside contributions from higher exports and tourism.

🔸 Inflation averaged 1.8% in 2024 and is projected to remain manageable in 2025 due to easing global cost pressures and stable domestic demand, with limited impact expected from domestic policy reforms.

🔸 The ringgit’s performance is primarily influenced by external factors, with narrowing interest rate differentials and Malaysia's favorable economic outlook and reforms providing support despite potential market volatility.

🔸 The MPC remains vigilant to inflation and growth developments and aims to maintain a monetary policy stance conducive to sustainable economic growth and price stability.

Read more at:

28/10/2024

𝗠𝗼𝗻𝘁𝗵𝗹𝘆 𝗥𝗠 𝟱𝗸 𝗶𝗻𝗰𝗼𝗺𝗲 𝗰𝗼𝘂𝗹𝗱 𝘀𝗮𝘃𝗲 𝗥𝗠 𝟭,𝟳𝟬𝟯/𝘆𝗲𝗮𝗿 𝗶𝗻 𝘁𝗮𝘅𝗲𝘀🤩

How Much Extra Cash Are You Missing Out On? Tax Savings Could Be the Key!

If you think tax planning is just for the wealthy, think again! You might be overlooking valuable savings that could put more cash in your pocket. Let’s break it down:

5 Tax Planning Benefits:
1️⃣ 𝗠𝗮𝘅𝗶𝗺𝗶𝘇𝗲 𝗬𝗼𝘂𝗿 𝗜𝗻𝗰𝗼𝗺𝗲 – Smart tax strategies mean keeping more of your earnings, without extra work!

2️⃣ 𝗕𝘂𝗶𝗹𝗱 𝗙𝘂𝘁𝘂𝗿𝗲 𝗪𝗲𝗮𝗹𝘁𝗵 – Small tax savings add up over time, boosting your investment potential.

3️⃣ 𝗖𝗹𝗮𝗶𝗺 𝗧𝗮𝘅 𝗥𝗲𝗹𝗶𝗲𝗳𝘀 & 𝗗𝗲𝗱𝘂𝗰𝘁𝗶𝗼𝗻𝘀 – Don’t leave money on the table! From lifestyle to SSPN savings, reliefs can mean bigger refunds.

4️⃣ 𝗣𝗿𝗼𝘁𝗲𝗰𝘁 𝗬𝗼𝘂𝗿 𝗔𝘀𝘀𝗲𝘁𝘀 – Save on unnecessary taxes and grow your wealth efficiently.

5️⃣ 𝗧𝗮𝗶𝗹𝗼𝗿𝗲𝗱 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 𝗳𝗼𝗿 𝗚𝗹𝗼𝗯𝗮𝗹 𝗔𝘀𝘀𝗲𝘁𝘀 – With assets in Malaysia or abroad, the right tax strategy opens up new opportunities!

💡 Want to see how tax planning could work for you? Join my workshop to get personalized strategies and start maximizing your financial potential!

27/10/2024

Many of us pour time and energy into meeting work KPIs, leaving our own financial goals on the back burner.

Setting your own goals doesn’t have to be complicated or time-consuming! With 5 simple steps, you can set SMART goals in under 5️⃣ minutes:
✅ Specific
✅ Measurable
✅ Achievable
✅ Relevant
✅ Time-bound

But… why do so many still struggle to achieve these goals? Often, it’s because of these common blockers:
1️⃣ Procrastination
2️⃣ Lack of Discipline
3️⃣ Wrong Prioritization
4️⃣ No Annual Review

In our workshop, we’ll cover how to make SMART goals actionable, prioritize effectively, and conduct yearly check-ins to stay on track.

📅 Want to learn more? Click below for workshop details and make 2024 the year of financial breakthroughs!

26/10/2024

Are you stressed about saving for your retirement AND your children’s education? 🤯
If you're like most Malaysians, you might be facing these 3 major worries:
1️⃣ Not enough savings for a comfortable retirement.
2️⃣ Skyrocketing education costs for your kids.
3️⃣ Rising healthcare expenses eating away at your future funds.
⏰ Time’s ticking! The longer you wait, the harder it gets. That’s why I’m hosting a hands-on workshop where you'll learn real strategies you won’t find on social media.
Join me and gain tools like:
✅ Setting SMART Retirement Goals for your lifestyle
✅ Maximizing EPF & private investments for steady growth
✅ Mapping out a retirement budget that lasts
✅ Effective debt reduction & healthcare planning strategies
🎯 Stop worrying about the future, and start taking control of it today. Sign up now and start building the financial future you deserve!

25/10/2024

🪙 Budgeting = No Fun + No Life + No Freedom? Think Again!
With Smart Budgeting, you can actually gain MORE freedom to spend and enjoy life. All it takes are these 3 simple steps:
1️⃣ List Your Income: Know how much is coming in each month.
2️⃣ Track Your Expenses: Categorize them into needs, wants, and savings to see where you can adjust.
3️⃣ Set Realistic Goals: Allocate your money in a way that supports your financial priorities!
But wait! Are budgeting techniques the same for all life stages? Of course not! 🧑‍💼👩‍👧‍👦
Each life phase—whether you're in your 20s building your foundation or in your 50s preparing for retirement—requires its own unique approach to budgeting. 💼
📢 Sneak Peek: For those in their 20s, try the 50/30/20 Rule or Zero-Based Budget to start building a strong financial foundation. Want to know more budgeting techniques for your age and stage of life?

🚀 Gain Financial Freedom with the right budgeting tools and strategies for your journey. Click button to learn more about our upcoming workshop🛠️

28/09/2024

Struggling to save and fulfill your desires before turning 30? It’s all about smart allocation and prioritization of your salary. 📊
Key Principles for Financial Success:
1️⃣ Sacrifice vs. Rewards
2️⃣ Assets vs. Liabilities
3️⃣ Wants vs. Needs
💡 Setting financial targets—like saving for your first house, buying a car, or preparing for marriage—requires a deep understanding of these principles.
🌟 Want to Gain Mastery Over Your Finances? Join Samantha's practical financial planning workshop and take control of your financial future! Sign up now and start making smarter financial decisions that pave the way to your goals.
👉 Secure Your Spot Today!

21/09/2024

💷 Protect Your GBP Investments from Erosion!
Are you holding onto GBP for future education or investment? As the global economic landscape shifts, it's crucial to protect and strategically grow your assets.
Watch the video to get two essential tips to shield your wealth from erosion💡
For personalized advice tailored to your specific situation, DM me now. I’m here to provide the solutions you need in these turbulent times.

Address

Petaling Jaya

Telephone

+60195902688

Website

https://samanthateh.com.my/

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