D Planners Wealth Advisory PLT

04/05/2024

"𝑂𝑢𝑟 𝑑𝑟𝑒𝑎𝑚𝑠 𝑎𝑟𝑒 𝑓𝑢𝑙𝑓𝑖𝑙𝑚𝑒𝑛𝑡 𝑜𝑓 𝑜𝑢𝑟 𝑤𝑖𝑠ℎ𝑒𝑠."
ѕιgмυnd ғreυd

"𝐼𝑓 𝑦𝑜𝑢 𝑐𝑎𝑛 𝑑𝑟𝑒𝑎𝑚 𝑖𝑡, 𝑦𝑜𝑢 𝑐𝑎𝑛 𝑑𝑜 𝑖𝑡."
walт dιѕney

In other words, if we don't have a dream, we actually have no wishes.

Basically, every single morning, we have two choices;
(i) continue to sleep with our dreams,
(ii) or wake up & chase our dreams.

According to Freud, dreams are our wishes.

A very successful insurance speaker from Singapore said these at least 20 years ago when I attended his seminar, "... 𝑖𝑓 𝑦𝑜𝑢 ℎ𝑎𝑣𝑒 𝑛𝑜 𝑎𝑝𝑝𝑜𝑖𝑛𝑡𝑚𝑒𝑛𝑡𝑠 𝑡𝑜𝑑𝑎𝑦, 𝑐𝑜𝑛𝑡𝑖𝑛𝑢𝑒 𝑡𝑜 𝑠𝑙𝑒𝑒𝑝 𝑤𝑖𝑡ℎ 𝑦𝑜𝑢𝑟 𝑑𝑟𝑒𝑎𝑚𝑠.."

Dreams in this csse are not dreams per se but are conscious, and they have intrinsic considerations for oneself in this context.

26/04/2024

Our wishes are our desires of a hope for a better tomorrow.

𝐒𝐢𝐠𝐦𝐮𝐧𝐝 𝐅𝐫𝐞𝐮𝐝 𝐅𝐚𝐭𝐡𝐞𝐫 𝐨𝐟 𝐌𝐨𝐝𝐞𝐫𝐧 𝐏𝐡𝐲𝐜𝐨𝐥𝐨𝐠𝐲 said;
"𝑤𝑒 𝑎𝑟𝑒 𝑤𝒉𝑎𝑡 𝑤𝑒 𝑎𝑟𝑒 𝑏𝑒𝑐𝑎𝑢𝑠𝑒 𝑤𝑒 𝒉𝑎𝑣𝑒 𝑏𝑒𝑒𝑛 𝑤𝒉𝑎𝑡 𝑤𝑒 𝒉𝑎𝑣𝑒 𝑏𝑒𝑒𝑛. Our 𝑑𝑟𝑒𝑎𝑚𝑠 𝑎𝑟𝑒 𝑡𝒉𝑒 𝑓𝑢𝑙𝑓𝑖𝑙𝑚𝑒𝑛𝑡 𝑜𝑓 𝑎 𝑤𝑖𝑠𝒉."

07/07/2023

ℝ𝕖𝕧𝕚𝕖𝕨𝕚𝕟𝕘 𝕪𝕠𝕦𝕣 𝕎𝕀𝕃𝕃 𝑜𝑛𝑐𝑒 𝑒𝑣𝑒𝑟𝑦 3 - 5 𝑦𝑒𝑎𝑟𝑠 𝑖𝑠 𝑐𝑟𝑢𝑐𝑖𝑎𝑙𝑙𝑦 𝑖𝑚𝑝𝑜𝑟𝑡𝑎𝑛𝑡 𝑡𝑜 𝑒𝑛𝑠𝑢𝑟𝑒 𝑖𝑡 𝑟𝑒𝑚𝑎𝑖𝑛𝑠 𝑣𝑎𝑙𝑖𝑑.

𝑆𝑖𝑚𝑖𝑙𝑎𝑟𝑙𝑦, 𝑐ℎ𝑎𝑛𝑔𝑒𝑠 𝑖𝑛 𝑦𝑜𝑢𝑟 𝑝𝑒𝑟𝑠𝑜𝑛𝑎𝑙 𝑙𝑖𝑓𝑒, 𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑝𝑜𝑠𝑖𝑡𝑖𝑜𝑛, 𝑜𝑟 𝑒𝑣𝑒𝑛 𝑎 𝑑𝑒𝑎𝑡ℎ 𝑜𝑓𝑡𝑒𝑛 𝑚𝑒𝑎𝑛 𝑡ℎ𝑎𝑡 𝑢𝑝𝑑𝑎𝑡𝑖𝑛𝑔 𝑖𝑠 𝑢𝑛𝑎𝑣𝑜𝑖𝑑𝑎𝑏𝑙𝑒.

𝐄𝐯𝐞𝐧𝐭𝐬 𝐭𝐡𝐚𝐭 𝐭𝐫𝐢𝐠𝐠𝐞𝐫 𝐚 𝐧𝐞𝐞𝐝 𝐭𝐨 𝐮𝐩𝐝𝐚𝐭𝐞:
¹ 𝑏𝑟𝑖𝑡ℎ 𝑜𝑓 𝑎 𝑐ℎ𝑖𝑙𝑑𝑟𝑒𝑛 𝑜𝑟 𝑔𝑟𝑎𝑛𝑑𝑐ℎ𝑖𝑙𝑑𝑟𝑒𝑛
² 𝑐ℎ𝑖𝑙𝑑𝑟𝑒𝑛 𝑎𝑟𝑒 𝑎𝑏𝑜𝑣𝑒 𝑡ℎ𝑒 𝑙𝑒𝑔𝑎𝑙 𝑎𝑔𝑒 𝑜𝑓 18 𝑦𝑒𝑎𝑟𝑠 𝑜𝑙𝑑
³ 𝑚𝑎𝑟𝑟𝑖𝑎𝑔𝑒 𝑜𝑟 𝑑𝑖𝑣𝑜𝑟𝑐𝑒
⁴ 𝑐ℎ𝑎𝑛𝑔𝑒𝑠 𝑖𝑛 𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑝𝑜𝑠𝑖𝑡𝑖𝑜𝑛
⁵ 𝑠𝑜𝑚𝑒𝑜𝑛𝑒 𝑝𝑎𝑠𝑠𝑒𝑑 𝑎𝑤𝑎𝑦

ᴍᴀᴋᴇ ᴀɴ ᴀᴘᴘᴏɪɴᴛᴍᴇɴᴛ ɴᴏᴡ.
☎️ +60361503223
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📍ɪғᴀsᴛ ɢʟᴏʙᴀʟ ᴍᴀʀᴋᴇᴛs ʙ-ɢғ-12 sᴜɴᴡᴀʏ ɴᴇxɪs 1 ᴊᴀʟᴀɴ ᴘᴊᴜ 5/1 ᴋᴏᴛᴀ ᴅᴀᴍᴀɴsᴀʀᴀ 47810 ᴘᴇᴛᴀʟɪɴɢ ᴊᴀʏᴀ sᴇʟᴀɴɢᴏʀ.

18/04/2023

💡 𝐢𝐅𝐀𝐒𝐓’𝐬 5 𝐓𝐡𝐢𝐧𝐠𝐬 𝐘𝐨𝐮 𝐍𝐞𝐞𝐝 𝐓𝐨 𝐊𝐧𝐨𝐰 𝐓𝐨𝐝𝐚𝐲: 💡

1. 𝑋𝑝𝑒𝑛𝑔 𝑠𝑎𝑖𝑑 𝑖𝑡 𝑤𝑜𝑢𝑙𝑑 𝑓𝑖𝑛𝑒-𝑡𝑢𝑛𝑒 𝑖𝑡𝑠 𝑑𝑒𝑠𝑖𝑔𝑛𝑠 𝑎𝑛𝑑 𝑖𝑚𝑝𝑟𝑜𝑣𝑒 𝑖𝑡𝑠 𝑒𝑓𝑓𝑖𝑐𝑖𝑒𝑛𝑐𝑦 𝑛𝑒𝑥𝑡 𝑦𝑒𝑎𝑟, 𝑎𝑠 𝑡ℎ𝑒 𝑒𝑙𝑒𝑐𝑡𝑟𝑖𝑐 𝑐𝑎𝑟 (𝐸𝑉) 𝑚𝑎𝑘𝑒𝑟 𝑠𝑙𝑎𝑠ℎ𝑒𝑠 𝑐𝑜𝑠𝑡𝑠 𝑏𝑦 25% to stay ahead of the price war that is heating up in the world’s largest vehicle market.

2. 𝐶ℎ𝑖𝑛𝑒𝑠𝑒 𝑖𝑛𝑠𝑢𝑟𝑒𝑟 𝑃𝑖𝑛𝑔 𝐴𝑛 𝑤𝑖𝑙𝑙 𝑑𝑒𝑚𝑎𝑛𝑑 𝐻𝑆𝐵𝐶 𝑏𝑜𝑜𝑠𝑡 𝑑𝑖𝑣𝑖𝑑𝑒𝑛𝑑𝑠 𝑡𝑜 𝑝𝑟𝑒-𝐶𝑜𝑣𝑖𝑑 𝑙𝑒𝑣𝑒𝑙𝑠 𝑎𝑛𝑑 𝑐𝑜𝑚𝑚𝑖𝑡 𝑡𝑜 𝑟𝑒𝑔𝑢𝑙𝑎𝑟𝑙𝑦 𝑟𝑒𝑣𝑖𝑒𝑤𝑖𝑛𝑔 𝑖𝑡𝑠 𝑠𝑡𝑟𝑢𝑐𝑡𝑢𝑟𝑒 𝑎𝑡 𝑖𝑡𝑠 𝑎𝑛𝑛𝑢𝑎𝑙 𝑚𝑒𝑒𝑡𝑖𝑛𝑔 𝑛𝑒𝑥𝑡 𝑚𝑜𝑛𝑡ℎ, following calls to break off its Asian business. HSBC’s largest shareholder is planning to support resolutions proposed by a group of retail investors on dividends and structural reform.

3. 𝑇ℎ𝑒 𝑈𝑆 𝑏𝑎𝑛𝑘𝑖𝑛𝑔 𝑠𝑦𝑠𝑡𝑒𝑚 𝑟𝑒𝑚𝑎𝑖𝑛𝑠 𝑠𝑜𝑢𝑛𝑑 𝑎𝑛𝑑 𝐴𝑚𝑒𝑟𝑖𝑐𝑎𝑛𝑠 𝑐𝑎𝑛 𝑓𝑒𝑒𝑙 𝑐𝑜𝑛𝑓𝑖𝑑𝑒𝑛𝑡 𝑡ℎ𝑎𝑡 𝑡ℎ𝑒𝑖𝑟 𝑑𝑒𝑝𝑜𝑠𝑖𝑡𝑠 𝑎𝑟𝑒 𝑠𝑎𝑓𝑒, US Treasury Secretary Janet Yellen said* on Thursday, but she denied that emergency actions after two large bank failures mean that a blanket government guarantee now existed for all deposits.

4. 𝑇ℎ𝑒 𝑁𝑒𝑤 𝑌𝑜𝑟𝑘 𝐹𝑒𝑑𝑒𝑟𝑎𝑙 𝑅𝑒𝑠𝑒𝑟𝑣𝑒 𝑠𝑎𝑖𝑑 𝑜𝑛 𝑀𝑜𝑛𝑑𝑎𝑦 𝑖𝑡𝑠 𝑏𝑎𝑟𝑜𝑚𝑒𝑡𝑒𝑟 𝑜𝑓 𝑚𝑎𝑛𝑢𝑓𝑎𝑐𝑡𝑢𝑟𝑖𝑛𝑔 𝑎𝑐𝑡𝑖𝑣𝑖𝑡𝑦 𝑖𝑛 𝑁𝑒𝑤 𝑌𝑜𝑟𝑘 𝑆𝑡𝑎𝑡𝑒 𝑖𝑛𝑐𝑟𝑒𝑎𝑠𝑒𝑑 𝑓𝑜𝑟 𝑡ℎ𝑒 𝑓𝑖𝑟𝑠𝑡 𝑡𝑖𝑚𝑒 𝑖𝑛 𝑓𝑖𝑣𝑒 𝑚𝑜𝑛𝑡ℎ𝑠 𝑖𝑛 𝐴𝑝𝑟𝑖𝑙 as measures of new orders and shipments surged. The regional Fed's "Empire State" index on current business conditions jumped 35.4 points to a reading of 10.8 this month.

5. 𝐴𝑙𝑝ℎ𝑎𝑏𝑒𝑡 𝐼𝑛𝑐 𝑠ℎ𝑎𝑟𝑒𝑠 𝑓𝑒𝑙𝑙 𝑎𝑠 𝑚𝑢𝑐ℎ 𝑎𝑠 4% 𝑜𝑛 𝑀𝑜𝑛𝑑𝑎𝑦 following a report South Korea's Samsung Electronics was considering replacing Google with Microsoft-owned Bing as the default search engine on its devices.

✅ Key Takeaways:

𝑨𝒏 𝒊𝒏𝒗𝒆𝒔𝒕𝒎𝒆𝒏𝒕 𝒊𝒏 𝒌𝒏𝒐𝒘𝒍𝒆𝒅𝒈𝒆 𝒑𝒂𝒚𝒔 𝒕𝒉𝒆 𝒃𝒆𝒔𝒕 𝒊𝒏𝒕𝒆𝒓𝒆𝒔𝒕.
вenjaмιn ғranĸlι

The Trusted Wealth Advisers

Tell us your financial journey, and we will bring you to the end.

24/10/2020

Largest IPO, ANT GROUP available on iFast Capital Malaysia with Maybank as custodian.

18/10/2020

🄳🄴🄴🄽🄸🄰 🄺🅆🄾🄽🄶.
𝘖𝘯 𝐢𝐅𝐚𝐬𝐭 𝐆𝐥𝐨𝐛𝐚𝐥 𝐌𝐚𝐫𝐤𝐞𝐭 𝐩𝐥𝐚𝐭𝐟𝐨𝐫𝐦.
A model that creates 𝑣𝑎𝑙𝑢𝑒 𝑓𝑜𝑟 𝑐𝑙𝑖𝑒𝑛𝑡𝑠 by facilitating exchanges between two or ⓂⓄⓇⒺ ⓉⒽⒶⓃ 3⃣0⃣ interdependent providers.
In order to make these exchanges happen, 𝒑𝒍𝒂𝒕𝒇𝒐𝒓𝒎𝒔 𝒉𝒂𝒓𝒏𝒆𝒔𝒔 𝒂𝒏𝒅 𝒄𝒓𝒆𝒂𝒕𝒆 𝒍𝒂𝒓𝒈𝒆, 𝒔𝒄𝒂𝒍𝒂𝒃𝒍𝒆 𝒏𝒆𝒕𝒘𝒐𝒓𝒌𝒔 𝒐𝒇 𝒖𝒔𝒆𝒓𝒔 and resources that can be accessed on demand. 𝗗𝗲𝗹ι𝘃𝗲𝗿ι𝗻𝗴 𝗹𝗼𝘄 𝗰𝗼ѕт 𝗮𝗰𝗰𝗲ѕѕιвι𝗹ιт𝘆 ғ𝗼𝗿 𝗰𝗼𝗻ѕυм𝗲𝗿ѕ 𝗮𝗱𝘃𝗮𝗻т𝗮𝗴𝗲.
ᗰOᐯƖᑎG FOᖇᗯᗩᖇᗪ ѕeeĸιng dιgιтal dιѕrυpтιon.

19/05/2020

Mr. Anonymous was wondering if he has enough now to get married and purchase a home in 5 years.

Let's see what we can do! 🤓

In this case study, 27 year-old Mr. Anonymous wants to buy a house in 5 years. We all do.

12/03/2020

Bargain Hunting - Buying when the market is selling

Living through a moment is always harder at the point of time. "What were facing now is unlike anything in history."
That feeling lingers a few days, weeks, or months, but looking back, even the US-China Trade War wasn't a big deal.

If we take a look at Public Bank Berhad's stock price of RM 16.50 as at intraday 12th March 2020, when was the last time PBBANK was at this price?

2013.

7 years of hard work turned into a window of opportunity in just a few weeks. While PBBANK's intrinsic value, based on a 10-Year DDM formula of 7% required return from a 10-year share price growth, is at RM 15.62, today's price is still above fair value.

But, why isn't anyone looking at this with gleaming eyes?

All the more, would a sane person ask for PBBANK's share price to drop further. This is a once in a lifetime chance to consider a company that has been overpriced for years.

Humans are humans.

1 year from today, many will look back and wonder why they did not buy when the market was selling.

Disclaimer: This is not a call, offer, solicitation, or advice on any share picks or investments. This commentary is an opinionated piece and all investment decisions require further research and consultation. Historical performances and forecasts are not indicative of the future. Investors are required to perform their due diligence.

11/03/2020

Following suit of US, Bank of England cuts its interest rate by 50 basis points to 0.25%.

With this, the following countries have cut their rates recently:

Malaysia - 25 basis points
US - 50 basis points
Canada - 50 basis points
England - 50 basis points
Australia - 25 basis points

The BOE has announced an emergency cut to interest rates in an attempt to curb the economic impact from the new coronavirus.

03/03/2020

Breaking News!

Bank Negara Malaysia lowers OPR rate by 25 basis points from 2.75% to 2.50%

Bank Negara KUALA LUMPUR: The Monetary Policy Committee (MPC) of Bank Negara Malaysia decided to reduce the Overnight Policy Rate (OPR) by 25 basis points to 2.50%.It said the ceiling and floor rates of the corridor of the OPR are correspondingly reduced to 2.75% and 2.25%, respectively.The reductio...

22/02/2020

Breaking News!
EPF declares 2019 dividend at 5.45% for conventional and 5.00% for shariah.

PETALING JAYA: The Employers Provident Fund (EPF) has declared a dividend of 5.45% for conventional savings in 2019 and 5% for syariah savings 2019.