Amaruddin Khalid - Shariah RFP

Amaruddin Khalid - Shariah RFP Amaruddin Khalid | Shariah Registered Financial Planner | Investment, Education, Retirement, Risk Management, Zakat & Wasiat Palnning

02/06/2026

A soaring Malaysian Ringgit isn't just a win for the national economy—it is a massive upgrade for your personal travel plans. With the Ringgit flexing its muscles against major global currencies, traveling abroad has suddenly become a lot more rewarding.

​The stronger Ringgit benefits travelers in several practical ways:

​1. Superior Upgrades for Your Budget

​Your Ringgit now stretches much further on the ground. Instead of settling for budget accommodation on the outskirts of a city, travelers are finding that they can comfortably afford centrally located 4-star and 5-star hotels. You get a more premium, safer, and more convenient travel experience for the exact same budget you would have spent a year ago.

​2. Cheaper Holiday Packages & More Perks

​Because travel agencies book local guides, transport, and excursions in foreign currencies (often USD), a stronger Ringgit reduces their operational costs. Agencies are passing these savings directly to you by slashing tour package prices or bundling in premium add-ons—like upgraded meals and curated cultural experiences—at no extra cost.

​3. Maximum Value in Pop**ar Hotspots

​If you are planning a trip within Asia, your purchasing power has skyrocketed:

​Japan & China: The Yen and Renminbi have weakened against the Ringgit, making authentic dining, bullet train tickets, and shopping sprees significantly cheaper.

​Southeast Asia (Thailand, Bali, Vietnam): Already budget-friendly destinations have become ultra-affordable. You can opt for premium island-hopping tours, private villas, and high-end dining without breaking the bank.

​4. Long-Haul Dreams Are Within Reach

​Dreaming of Europe, Dubai, or Istanbul? Destinations that once felt restrictively expensive due to the exchange rate are seeing massive spikes in Malaysian bookings. Flights, cross-border train tickets, and entry fees to iconic global attractions don't sting your wallet nearly as much.

​💡 Pro-Tip: If you have an international trip planned later this year, use this period of Ringgit strength to lock in your exchange rates early.

29/05/2026

RM3.12 Billion Solar Win: How to Capitalize via Shariah Investing

​Gamuda Berhad has just secured a massive RM3.12 billion (AUD 1.1 billion) solar and battery project in Australia, boosting its global order book to RM51.6 billion.

​While buying individual shares directly carries high company-specific risk, an alternative strategy is to invest through institutional fund flows. Kenanga Investors actively manages prominent Shariah-compliant equity funds that feature heavy weightings in top-performing infrastructure giants like Gamuda.

​Here is how investors can leverage Kenanga's Shariah ecosystem for capital growth:

​Institutional Momentum: Investing in funds like the Kenanga Ekuiti Islam Fund gives you direct exposure to Gamuda's growth. As the stock price rises on project ex*****on, the fund's Net Asset Value (NAV) increases.

​Built-in Diversification: Shariah equity funds manage risk by pooling your capital across multiple compliant sectors, protecting your portfolio from the volatility of a single construction stock.

​Compounding Growth: Selecting the automatic reinvestment option for fund distributions allows you to acquire more units without sales charges, compounding your wealth over a 3 to 5-year market cycle.

​Your Action Plan:

​Time Horizon: Commit to a 3 to 5-year outlook to allow major infrastructure earnings to materialize.

​Strategy: Use Dollar-Cost Averaging (DCA) to invest a fixed amount monthly, mitigating short-term market volatility.

​DM me to match these growth vehicles with your personal risk profile.

​

29/05/2026

For decades, crossing the Batang Lupar River meant long queues at the ferry terminal, with journeys taking between 30 to 45 minutes, sometimes even longer during bad weather or mechanical disruptions.

That chapter changed on Thursday, 21 May, with the official opening of the Batang Lupar First Bridge, connecting Sebuyau and Maludam across one of Sarawak’s widest rivers.

Spanning 4.844 kilometres, the bridge is now Malaysia’s longest river-crossing bridge. Built to JKR R5 standards, it features a two-lane single carriageway designed to improve connectivity, mobility, and economic growth for surrounding communities.

Its impressive cable-stayed main span stretches 598.8 metres, with a navigational clearance of 250 metres wide and 26 metres high, ensuring smooth passage for river traffic beneath.

What once required up to 45 minutes by ferry can now be completed in just around five minutes by car, a transformational change for the people of Sarawak.

The successful completion of this landmark project reflects the strong vision, commitment, and long-term planning of Sarawak’s leadership in driving infrastructure development and improving the quality of life for its people.

It stands as another proud symbol of Sarawak’s progress, connectivity, and growing economic strength.

28/05/2026

Insiden LRT tergelincir di Stesen Chan Sow Lin pagi tadi 28 Mei 2025 7 pagi melibatkan 25 penumpang dan menyebabkan gangguan besar pada laluan Ampang/Sri Petaling.

Bila pengangkutan awam terganggu macam ni, ramai yang terkesan — lewat ke tempat kerja, urusan harian tergendala, dan risiko keselamatan jadi perhatian utama.

Setakat ini:
• Tren Sentul Timur berpatah balik di Pudu
• Tren Putra Heights berpatah balik di Bandar Tasik Selatan
• Tren perantara disediakan antara beberapa stesen
• Bas perantara percuma antara Pudu dan Pandan Jaya

Semoga semua penumpang berada dalam keadaan selamat dan proses pemulihan berjalan lancar. Kes sebegini juga mengingatkan betapa pentingnya aspek penyelenggaraan, pemeriksaan berkala, dan pengurusan risiko dalam sistem pengangkutan awam.

27/05/2026

🚗 Jangan Ambil Takaful Motor Sekadar “Basic Cover” Sahaja

Ramai pemilik kenderaan tidak sedar bahawa perlindungan tambahan (add-on coverage) boleh membantu mengurangkan kos besar apabila berlaku kejadian tidak dijangka.

Antara add-on penting untuk dipertimbangkan:

✅ Special Perils
Melindungi kenderaan akibat banjir, tanah runtuh, ribut, pokok tumbang dan bencana alam tertentu. Sangat penting terutama musim hujan dan kawasan mudah banjir.

✅ Windscreen Coverage
Kos tukar cermin depan kini boleh mencecah ribuan ringgit, terutama kereta moden dengan sensor & kamera. Add-on ini bantu lindungi kos tersebut.

✅ Unlimited Towing
Kereta rosak tepi jalan atau breakdown jauh dari rumah? Dengan towing tanpa had, anda lebih tenang tanpa risau caj towing yang mahal.

✅ Waiver of Betterment
Untuk kereta berusia lebih 5 tahun, anda mungkin perlu bayar “betterment” apabila tukar alat ganti baru selepas kemalangan. Add-on ini membantu mengurangkan atau mengecualikan caj tersebut.

💡 Takaful bukan sekadar renew roadtax & insurance.

Ia tentang perlindungan kewangan apabila perkara tidak dijangka berlaku.

Jika anda ingin semakan perlindungan Takaful Motor yang sesuai dengan penggunaan kenderaan anda, boleh PM saya untuk penerangan lanjut.

26/05/2026

🌙✨ Salam Aidiladha 1447H ✨🌙

Daripada kami di
Smart Magnifiq Solution
Pakar Perundingan ISO & Product Certification,
serta bersama

Kenanga Investors Berhad
dan

Allianz General Insurance Malaysia

Kami mengucapkan
🕌 Selamat Hari Raya Aidiladha 🐄

Semoga ibadah korban mengajar kita erti keikhlasan, pengorbanan, integriti, dan keberkatan dalam setiap urusan kehidupan serta perniagaan.

Terima kasih atas kepercayaan dan sokongan anda.

Semoga Aidiladha ini membawa rahmat, rezeki yang luas, dan kejayaan yang berpanjangan buat anda dan keluarga.

✨ “Pengorbanan hari ini, keberkatan untuk masa hadapan.” ✨

25/05/2026

“Betul ke TH dah tak buka klinik masa musim haji?”

Alhamdulillah, walaupun terdapat beberapa pindaan peraturan operasi haji 1447H/2026M oleh Kerajaan Arab Saudi, kebajikan dan kesihatan jemaah tetap menjadi keutamaan TH.

Bagi musim haji tahun ini, seramai 224 petugas perubatan KKM bertugas di Tanah Suci, termasuk lebih ramai pakar perubatan serta gabungan petugas berpengalaman dan baharu.

Jemaah fokus beribadah, waris p**a usahlah bimbang. Insya-Allah, setiap jemaah akan terus disantuni dan menerima bantuan serta sokongan yang diperlukan sepanjang berada di Tanah Suci.

25/05/2026

🌙 Day of Arafah — A Day Not to Miss

The Day of Arafah is one of the most powerful days in Islam. It is a day of mercy, forgiveness, dua, and reflection.

What should we do on this blessed day?

🤲 Make sincere dua
Ask Allah for forgiveness, guidance, rezeki, good health, and a better ending in life.

📖 Increase dhikr
Repeat: • SubhanAllah
• Alhamdulillah
• Allahu Akbar
• La ilaha illallah

🌟 Fast on the Day of Arafah
For those not performing Hajj, fasting on this day expiates the sins of the previous year and the coming year, by Allah’s mercy.

❤️ Seek forgiveness
No matter how far we feel, the door of taubah is always open.

🤝 Do more good deeds
Give charity, help others, call your parents, repair relationships, and spread kindness.

The Day of Arafah is not just another day. It may be the day that changes your life forever.

May Allah accept all our deeds and duas. Ameen.

25/05/2026

The Hire Purchase Act 1967 is a Malaysian law that protects people who buy vehicles or goods using installment payments (loan + monthly payment system).

An amendment to the Act means the government updates or improves the law to make the process fairer, clearer, and safer for buyers and finance companies.

In simple words, the amendment usually focuses on things like:

* Giving buyers clearer information before signing
* Protecting buyers from unfair charges
* Making repossession procedures stricter and more controlled
* Ensuring transparency in loan calculations
* Updating rules to match current banking and consumer practices

Simple Example — Buying a Honda City

Imagine:

* Price of Honda City = RM90,000
* Down payment = RM9,000
* Loan from bank = RM81,000
* Loan period = 9 years
* Monthly installment = around RM900+

Under the Hire Purchase Act:

Before You Sign

The bank/dealer must clearly show:

* Car price
* Interest rate
* Total loan amount
* Monthly payment
* Late payment penalties
* Total amount you will finally pay

So you understand the REAL cost before agreeing.

⸻

During Payment

You must pay monthly installments on time.

If you miss payments:

* The bank cannot simply “tarik kereta” immediately.
* They must follow legal procedures.

Usually:

1. Reminder notice
2. Default notice
3. Repossession notice
4. Proper documentation during towing

This protects buyers from illegal repossession.

⸻

If Car Gets Repossessed

The amended rules make the process more controlled:

* The repossessor must carry official documents
* They cannot threaten or damage property
* They must give inventory list of items inside car
* Buyer still has rights to settle outstanding payment

⸻

Why the Amendment Matters

Without strong Hire Purchase rules:

* Buyers could be tricked with hidden charges
* Interest calculations may be unclear
* Cars could be repossessed unfairly
* Consumers may not know their legal rights

The amendment helps make car financing more transparent and fair for ordinary people.

22/05/2026

🚗 Apa Maksud “Ketatkan CBU EV”?

CBU (Completely Built-Up) merujuk kepada kenderaan yang diimport sepenuhnya dari luar negara.

Apabila MITI “ketatkan”:

- Kelulusan import mungkin lebih selektif

- Insentif mungkin lebih tertumpu kepada model CKD (pemasangan tempatan)

- Galakan kepada pelaburan tempatan dalam ekosistem EV

Ringkasnya — kerajaan mahu lebih banyak nilai ekonomi kekal dalam Malaysia, bukan sekadar import.

📊 Kenapa Kerajaan Ambil Langkah Ini?

Beberapa sebab utama:

1. Pembangunan Industri Tempatan. Menggalakkan pemain global buka kilang atau pasang EV di Malaysia.

2. Rantaian Bekalan (Supply Chain). Membina ekosistem — bateri, komponen, tenaga kerja mahir.

3. Keseimbangan Perdagangan. Kurangkan kebergantungan kepada import sepenuhnya

4. Strategi Jangka Panjang EV Nasional. Selari dengan dasar mobiliti rendah karbon negara

💼 Perspektif Financial Planning & Market

Sebagai perancang kewangan, ini memberi beberapa implikasi:

1.Harga EV Import (CBU) Berpotensi Naik. Jika insentif dikurangkan atau kelulusan diperketatkan

2. EV CKD Akan Jadi Lebih Kompetitif. Pilihan pengguna mungkin beralih kepada model pemasangan tempatan.

3. Nilai Semula Aset Kenderaan. CBU EV mungkin jadi lebih “rare” → potensi nilai tertentu kekal atau naik.

4. Timing Pembelian Jadi Kritikal. Pembeli perlu lebih strategik — beli sekarang atau tunggu CKD rollout.

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Shah Alam
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