8/3/2019 Triangle of Financial Needs

1/8

Early Sett lement

i s t an tamount to

SELF-SABOTAGE

HIGH

RISKS

LOW

The Hierarchy of Financial Needs in a Holi stic Perspective at a glance

YourUltimateGO

ALS

INVESTMENT

Financial-Independence

viaAss

ets

Allocat

ion

SAVINGS

(ACCUMULATION)

Lifes

tyle

Retiremen

t

Educ

ation

PROTECTION

(ESTATE-CREATIO

N)

Incom

eSecu

rity

Loans

&Fin

ancing

Total Healt

hCare

Healthy, Consistent&Predictable, Positive

Healthy

CashF

lowMa

nagement

(eithe

r InCo

ntrol v

er sus

Lost G

rip)

E F F E C T S O F

INFLATION

TAXES

HIGH

RETURNS,IN%

LOW

ESTATE-PLANNIN

G

Your Goals

Hijacked

/ stalled

in i t i a l l y bu i ld ing from

BOTTOM-UP

then only enjoy

TOP-DOWN

8/3/2019 Triangle of Financial Needs

2/8

CUT LOSSES

2, 3POST CRISIS ( a f te r c r i s i s )

Insurance

Compensation

INCUR LOSSES

1DURING CRISIS

I m me d ia te Be ne fi t s

Ca sh Outlay

PREVENT LOSS

4PRE CRISIS (be fore c r i s i s )

Anticipations

Preventive Steps

`

go i n g

ups t re am

go i n g

ups t re am

Going Upstream? Just tick

PRE DURING POST

8/3/2019 Triangle of Financial Needs

3/8

MASLOWS

HIERARCHY

OF NEEDS

ILLUSTRATES

THE 5 LEV ELS

o f HUMAN NEEDS

BOTTOM-

UP first, always

keper luan asas anda your very ba sic needs

8/3/2019 Triangle of Financial Needs

4/8

The s trategy is to

sett le Consumer

Debts 1 f i rs t , and

not the Loans

for Leveraging 2

Bui ld ing

BOTTOM

UP in i t i a l l y

2 . SAVINGS & ACCUMULATION

HIGH

RETURNS,IN

%

LOW

HIGH

RISKS

LOW

The Triangle of a Holis t ic , Comprehensive Financia l-Planning at a g lance

3. INVESTMENT v i a a sse t s ap prec i a t ion

Healthy, Consistent & Predictable Stream of Cash Flow, i.e. Holding-Power

1 . PROTECTION / ESTATE-CREATION

TAXES

ESTAT

E-PLANNIN

G

GOALS

EVENTUALLY

enjoy ing i t f rom

TOP-DOWN

on auto-pilot

ul t imate ly pay s f rom your wea l th ;

and not f rom your own pay cheque

Bu i ld f rom BOTTOM-UP f i r s t

then re ap / en joy TOP-DOWN

YOUR WEALTH CREATION

via asset al location for a ba lanced-mix

Your Goals

HIJACKED,

STALLED /

SABOTAGED

8/3/2019 Triangle of Financial Needs

5/8

BOTTOM-

UP f i r s t , a lway s

HIGH

RETUR

NS,IN

%

LOW

HIG

H

RI

SKS

L

OW

Healthy, Consistent & Predictable Stream of Cash Flow, i.e. Holding-Power

GOALS

YOUR WEALTH CREATION

via asset a l locat ion for a ba lanced-mix

3. INVESTMENT v i a a sse t s apprec i a t ion

2 . SAVINGS, ACCUMULATION Accumulates , then Creates too s low , too pa infu l

1 . PROTECTION / ESTATE-CREATION Creates , then Accumulates a proven , e f f e c t i v e , su re f i re s t ra t egy

YOUR INCOME

REPLACEMENT

TOTAL HEALTH

CARE SOLUTION

LOANS &

FINANCING

LIFESTYLE& DIGNITY

GOLDENRETIREMENT

TERTIARYEDUCATION FUND

TAXES

EVENTUALLY

enjoy ing i t f rom

TOP-DOWN

on auto-pi lot

Compounding

Rule-of-72

EST

ATE

-PLANNIN

G

The Triangle of a Holis t ic , Comprehensive Financia l-Planning at a g lance

# of years

how soon?

S L A V E T O I N F L A T I O N

8/3/2019 Triangle of Financial Needs

6/8

TOTAL HEALTH

CARE SOLUTION

# 1 t h r ough 3 are a subset to the Protection / Estate Creation Layer & # 2 inc ludes female C. I .

4. PREVENTIVE HEALTHCARE

1. MEDICAL CARDS

2. CRITICAL ILLNESS *

3. DISABILITY BENEFITS

CUT LOSSES

2, 3POST CRISIS ( a f te r c r i s i s )

Insurance

Compensation

INCUR LOSSES

1DURING CRISIS

I m me di a te B en e fi t s

Cash Outlay

PREVENT LOSS

4PRE CRISIS (before cr is is )

Ant icipat ions

Prevent ive Steps

`

go i n g

ups t re am

go i n g

ups t re am

BEFORE Crisis?

AFTER-Crisis?

Going Upstream?

8/3/2019 Triangle of Financial Needs

7/8

Part ic ipat ing Banks:

1. Publ ic Ba nk, PBB

2. Maybank, MBB

3. CIMB

4. Citibank

5. Kuwaiti Finance

6 . U O B l a te Oct . , Y2010

7 . A l -Ra jh i, l a te Apr i l Y2011

- i n p hy s ic a l Go l d

Other Bull ion Traders

1. Caesa r Gold

2. Publ ic Gold

3 . BNM Kijang Emas

4 . Energet ic Gateway

5. Precious Metal

( previous ly Au Niaga )

HIGHER

(

risky)

R

ISKS

(

safer)

LOW

Gold Bullion in yourpossession

once the solid base or core ho ld ing of

go ld bu l l ion is achieved in a port fo l io ,

then only the other more specu la t ive

inves tments can be considered

Un-allocated Gold Accounts

Allocated Gold Accounts

Digital Gold / Gold Certificates

Producing Jnr Gold Mines

Producing Gold Mines

Unhedged Gold MinesETFs: Gold / Silver

Gold Futures / Options

Non-Producing Jnr Exploration

Spread Betting: Gold / Silver

The GOLD Investment Pyramid at a glance

INVESTMENT

INVESTMENT / SAVINGS

via Buy-Low, Sell-High

INSURANCE towardsI NFL AT ION

@ up to 10.0% of your ac t ive port fo l io ( NOT Inves tment )

SPECULATION

BOTTOM-

UP f i r s t , a lway s

LOWEST

RISKS

Guaranteed , Predictable & Consistent

8/3/2019 Triangle of Financial Needs

8/8

HIGHER

(

risky)

RISKS

(

safer)

LOW

Gold Bullion in your hand

Up to 10 .0% of your ac t ive port fo l io

Cash Deposits

Money Market Funds

Annuities, T-Bills

Blue Chip Stocks,

Commercial & ResidentialProperty, Corporate &

Government Bonds

Small Cap Stocks

Large Cap StocksEquity Mutual Funds

Options

Futures

Spread Betting

Investment is NOT risky;

IGNORANCE IS

If you st i l l think that

Investment being risky,

TRY IGNORANCE !!

The General Investment Pyramid at a glance

INCOME

GROWTH

C OR E B AS E, FO UND AT IO NA L

@ up to 10.0% of your ac t ive port fo l io ( NOT Inves tment )

SECURITY

SPECULATION

BOTTOM-

UP f i r s t , a lway s

LOWEST

R I S K S

Guaranteed , Predictable & Consistent