Investment Planning
Scope: Investment planning involves creating and growing wealth through various financial instruments such as stocks, unit trusts, properties and etc. A well-structured investment strategy manages risks while achieving long-term financial goals. In Malaysia, investment decisions are often influenced by market conditions and personal financial aspiration
Situation 1
A 35-year-old IT professional from Kuala Lumpur earning RM8,000 per month has been investing in unit trusts and sukuk for the past five years. Despite consistent contributions, they find their portfolio's growth lagging behind expectations due to market volatility and a lack of diversification. They aim to optimize their investment strategy to secure RM100,000 within the next five years for their child’s education.
Are your investments diversified enough to mitigate market risks?
Have you periodically reviewed your portfolio to align with your goals?
Do you understand the trade-offs between risk and return for your chosen assets?
Situation 2
A young couple in Johor Bahru earning a combined income of RM12,000 debates between investing in unit trusts or starting a food delivery business. With a modest savings of RM50,000, they aim to achieve a 15% annual growth rate to fund a future family holiday home. However, they are concerned about the unpredictability of both markets and business operations.
Have you assessed the risk-reward dynamics of each option thoroughly?
Do you have a backup plan in case your primary choice underperforms?
Are your financial goals realistic given your current savings and income levels?
