I-Max Financial

14/02/2026

A quick question for you.

If you had RM100,000 sitting in your savings account earning 0.1%…

Would you feel safe?

Most people would say yes.

But here’s something worth thinking about.

If inflation averages 2–3% a year, and your money earns 0.1%…
your purchasing power is slowly shrinking.

Not dramatically.
Not overnight.
But quietly.

Now — this doesn’t mean you need to jump straight into stocks or high-risk investments.

For many salaried employees, business owners and first-time investors, the first step isn’t “take more risk.”

It’s optimise where your cash sits.

That’s where something like a Money Market strategy can make sense:

✔ Lower risk compared to equities
✔ Competitive returns vs traditional savings
✔ High liquidity
✔ Daily accrual

Are you intentionally allocating your cash…
or just parking it?

Happy to answer questions in the comments or via DM.

12/02/2026

Imagine being admitted to the hospital…

To realize that your medical card doesn’t cover what you thought it did.

Wrong room category.
Lower annual limit.
Unexpected deductible.

Most people choose a medical card based on price alone.

But protection isn’t just about paying less every month —
it’s about whether the plan is structured properly for your needs, age, and lifestyle.

When reviewing your coverage, ask:
✔ What’s my Room & Board limit?
✔ What’s my Annual Limit?
✔ What are the exclusions?

If you’d like a clearer breakdown of your current plan or want to explore better options, our team is happy to help.

Better to review it now than regret later.

11/02/2026

11/02/2026

Business owners — this might save you thousands in tax. 👀

With Private Retirement Scheme (PRS) contributions, companies can:
✔️ Enjoy up to 19% tax relief
✔️ Reward employees without increasing salaries
✔️ Strengthen retention with a meaningful benefit

We’ve shared a real example in this post showing how a company saved RM24,000 in tax just by structuring PRS properly.

Smart planning isn’t about doing more — it’s about doing things better.

📩 DM us or reach out via the contact details provided if you’d like to see whether PRS makes sense for your business.

09/02/2026

[Registration link]

https://bit.ly/3Nxtg2H

💸 Spend it.
💰 Or make it work harder for you.

Before bonus season hits, join our FREE investment webinar and learn how to turn extra income into long-term wealth — without the stress or guesswork.

📅 Feb 28 | ⏰ 10–11am | 💻 Google Meet

Secure your free seat today.
Smart money moves start before the cash hits your account.

Register here:

https://bit.ly/3Nxtg2H

07/02/2026

Quick question… 👀💸

Have you ever noticed how two people can earn the same amount of money — but feel completely different about it?

One feels calm.
One feels stressed.
One spends freely.
One saves carefully.

That’s because money isn’t just about numbers.

It’s about behaviour.

We all have a money personality — the way we think, feel, and act around money — and it quietly shapes our decisions every day.

Once you recognise yours?
Things start to click.

✨ Swipe through to meet the money personalities.

06/02/2026

Don’t wait till year end to think about tax!

Start early
Stress less

Contact us today!

31/12/2025

Rest, relax and we'll see you in 2026, Happy New Year everyone!

24/12/2025

We conducted employee briefings for 2 newly onboarded SME companies this week - one provides services for the aviation industry; the other manufactures food product and condiments.

Different industries, but one common ingredient - PEOPLE.

Some SME business owners DON'T KNOW about the power of Group Medical Insurance ("GMI") YET:

1. GMI covers PRE-EXISTING conditions - for example a person with diabetes who won't be able to buy a personal medical card, CAN claim the Outpatient Kidney Dialysis benefit under the GMI.

2. The premium for GMI is a tax-deductible business expense; and for the employee who is receiving the benefit it's exempted from tax as well.

3. GMI allows employees to access private healthcare which is more comfortable and shorter waiting time on CASHLESS basis.

24/12/2025