http://rojaklah.com/2017/05/30/shiwansavingqi300517/
Dr. Wong Kok Fye 黄国辉博士
G-Plus Advisory Sdn Bhd
Cash Flow Game
Create, Protect, Invest & Distribute your wealth
Create - face problem, e.g. bank loan, credit card
Protect - Life general
Invest - Saving Investment
Distribute - Will & Trust
Financial Independant
Family Obligations
Backup Fund
Financial Security
Living Expenses
20% - Loan/ Debt
20% - Asset Investment
20% - Saving & Risk - Cash/Deposit/Insurance
Life Insurance - 3D's Death/Disability/Disease
HealthCare Planning
- Dread diseases - Flat Protection, increasing protection
- Medical Benefit - Standalone, investment link
10% from income - Death/Critical illness/Total permanent Diability/Medical/PA
General Security - 转移风险
Vehicle
Housing (Building or contents
Office
Travel
Dental
ATM protect
Broker Insurance - Marine
用value来计算转移
-Reserve 3 -6 months
- Emergency & Accidentally purpose
- Max Reserve < 12 months
- While uses, refill it as soon as possible
Investment
Who should consider?
Protection complete, retirement easily
How much can start?
50K Lump Sum + Month 1k above
- How start
Start build your own personal portfolio
Allocate % in the tools like fund, share, property, antic, value items
1st step - financial independent, 2nd step - financial freedom, 3rd step - early retired
(a) - Liquidity -> cash -> Bank
(b) - Security -> Keyman -> Insurance Company
(c) - Profitability -> Investment -> Share & Property
投资vs集资
Money Game?
传销vs直销vs金字塔
不合法投资 =/ 不是非法
Money Game - 没有产品，不能register
Escalating Cost of Living & Decreasing Purchasing Power
DISC - Dominance积极 , Influence 主动, Compliance 消极, and Steadiness 被动.
六大目标 - Six Goals
- Financial Independent
- Happy Family Life
- Healthy Body
- Self-Improvement
- Contributed to Society
- Peace of Mind
MQ (Money Q ) 财富智商关键
修身 ->思维-> 方向-〉提升-〉借力-〉双赢
思考〉行动〉检讨
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