EPF-approved funds with foreign exposure: Complete performance comparison table

Updated 20 Jan 2017 This table is computing the total returns up to end 2015 if you were to invest RM 50k into the list of EPF-approved unit trust funds with foreign exposure, starting Jan 2011. The top funds would have doubled your initial capital after 5 years. This table will be updated by Jan…

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AIA Medical Card Range Comparison (updated Nov 2016)

This table compare all available AIA medical card options and configurations, with indicative annual premium for a 35 & 50 years old Male/Non-smoker/Occupation Class 1 & 2. Room & board (R&B) is fixed at RM 250 where available because this represents the above average rate in most private healthcare nowadays. Moreover, since the annual/lifetime limit…

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[Case study] Is it still worthwhile to buy medical card when you are older?

Considering the cost of current medical procedures now and future medical inflation, is it more worthwhile to either self-insure myself or buy a medical card? I got asked the questions above by a new client recently for consultation which I charged a fee. She is in her mid 40’s, retired early from a senior technical…

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Medical cost & claim amount in Malaysia (2014-2015)

When we buy and maintain a medical card, we must know the estimated costs of common medical procedures in private hospitals. It could vary from one hospital to another. The specific type of illness affecting you and its complications could also vary – hence, the costs too, vary. This is to give you an indicative…

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Insider information – Mortgage loan process and approval criterion

The below is a detailed scanned presentation slides outlines the following aspects in mortgage loan application & approval: Classification of high risk occupations How Debt Service ratio (DSR) is computed,especially how financing institutions perceive your credit card outstanding balance The varying level of DSR % depending on your income How financing institutions consider non-standard types of income…

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Mortgage Calculator w/ Principal Reduction Visualization

The loan calculators you obtained online (like iMoney or Loanstreet) will tell you the difference in total interest paid when you change the interest rate variable, say, from 4.40% to 4.20%. However, it does not tell you how much interest saved if you maintain your monthly repayments before the interest rate reduction. Read more on the…

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Savings Plan versus FD 2016

A member, Darren Chow, asked if an endowment plan from GE, Great Premier Wealth (GPW) is better than FD 3% in 2016. The GPW Plan needs you to pay 6k for the 1st 5 years, thereafter you can wait and reap the benefits after 20 years. You can get the detailed quotation here, based on…

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Prudential PruValueMed now comes with Deductible options

Prudential products are known for its premium prices, so when we hear that a PruValueMed can be bought at only RM 1,200 per year, I got to check out more. Turns out, PruValueMed comes with deductible options. Previously, only Allianz captures this market, but now Prudential also wants to capture this market. However, it still…

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Allianz Infinite Xtra – ‘premium’ grade premium + features

Allianz updated its Medisafe Xtra medical card as highlighted here before in 2015 – a few notches above its previous revision. Among the highlights: No lifetime limit What used to be lifetime limit now becomes annual limit Elective treatment in Singapore following reasonable & customary charges in Singapore* No condition co-payment if exceeds annual limit for…

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Best medical card 2016 so far – Smart Medi 2.0

This standalone medical card has 1 main feature unheard of in the market – a comprehensive annual health screening and cancer marker tests. And plus some other features as well which is quite innovative. Its only weakness is a low Outpatient Cancer & Kidney Dialysis for non VIP package. Refer to the presentation slides and…

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