build reserve for future cash flow

CALVIN KHO MING SOON

contact & whatsapp +6 016 8898789

email : calvinkho@gmail.com

Secondary Education (1985–1990): Sekolah Menengah Bantuan Tung Hua (Sibu) & Sekolah Menengah Kerajaan Bintulu.

Spent over two decades (1995–2020) as Group Consultancy Manager with BOS Wealth Management Bhd, having witnessed the firm’s evolution from its origins as Pacific Mutual Fund Berhad.

Senior Group Manager with AHAM Asset Management Berhad(formerly known as Affin Hwang Asset Management Bhd) for nearly a decade (since 2016), focusing on the Private Retirement Scheme (PRS) sector.

Successfully completed the CFP Certification Program (Modules 1–6) through the Financial Planning Association of Malaysia (FPAM) between 2005 and 2009, subsequently attaining full Certified Financial Planner (CFP®) status.

Bintulu Liaison Officer, Financial Planning Association of Malaysia (FPAM) Sarawak Chapter (2010–Present).

Deputy Secretary, Persatuan Hii (Kho) Bahagian Bintulu (2022–2026).

Committee Member, Bintulu Chinese Chamber of Commerce & Industry (BCCCI), 2019–2021.

My services

unit trust scheme

# Diversified Portfolio
# Professional Management

private retirement scheme

# Tax relief up to RM3,000
# Build your retirement fund

Capital Market Industry Certification & Award

representing company / license with

FIMM: The Federation of Investment Managers Malaysia (FIMM) is a self-regulatory organisation (SRO) that regulates the marketing and distribution of Unit Trust Schemes (UTS) and Private Retirement Schemes (PRS).

Unit Trust Scheme(UTS)
with
Phillip Mutual Berhad

Private Retirement Scheme(PRS)
with 
AHAM Asset Management Berhad

Group Financial Consultant with Phillip Mutual Bhd
FIMM UTS certification 1999
FIMM UTS number 043-0-23182
UTS since 1992
Prior with Pacific Mutual Fund Berhad (now known as BOS Wealth Management Berhad) since 1994
started with Kuala Lumpur Mutual Fund Berhad(now known as Public Mutual Berhad)on 1992

Group Manager with AHAM Asset Management Berhad
FIMM PRS certification 2013
FIMM PRS P-038-0-20315
PRS Since: 2013

Goto Phillip Mutual

Goto eUnittrust Sign-up with Calvin Kho’s code [PMF00656]

Goto AHAM AM

Contact Calvin Kho for PRS sign-up processes (+016-8898789)

Strategy / Investment Plan Available

Lumpsum Plan

One off,
Top-up anytime

Regular Saving Plan

Monthly Investment
Autodebit bank account
A sure win long-term strategy

KWSP-MIS Plan

Capitalize on long-term
KWSP Calculator

current services portfolio

Invest	Switch	Redeem	Asset Under Manage (Personal & Group)
As at 31 July 2024 PRS = 0.432 Millions	As at 31 July 2024 PRS = 0.000 Millions	As at 31 July 2024 PRS = 0.017 Millions	As at 31 Oct 2024 P. PRS = RM 0.634 Millions G.PRS = To be advise P.UT = RM4.500 Millions G.UT = RM11.9 Millions

investment method

meet up physically

Call / Whatsapp 016 8898 789 for appointment
Email calvinkho@gmail.com for appointment

online manage

To start invests in Private Retirement Scheme (PRS), request Calvin Kho send an digital opening account link on PRS for AHAM Asset Management Berhad
To start invest in Unit Trust / Mutual Fund, [Open An Account] in eUnittrust.com.my, an online platfom of Phillip Mutual Berhad. The Agent Code [PMF00656].

Financial Literacy

Nominal Rate Vs Effective Rate

Master Your Freedom by Understanding the Difference

How Most People Calculate Loans: Nominal Rate

$450 \times 12 \text{ months} = \$5,400$ (Total Repayment)
$\$5,400 – \$5,000 = \$400$ (Total Interest)
$(\$400 / \$5,000) \times 100 = \mathbf{8\%}$ (Interest Rate)

How Finance instituition Calculate Loans: Effective Rate

Using a Financial Calculator (e.g., HP10Bii) or Time Value of Money (TVM) formulas, set to 12 payments per year:

The Core Formula:

FV = PV(1 + i)ⁿ

(Where FV is Future Value, PV is Present Value, i is interest, and n is time)

Calculation Inputs:

PV (Present Value): 5,000

PMT (Monthly Payment): -450

FV (Future Value): 0

N (Periods): 1 (year)

Result (I/YR): 14.54

Food for Thought

The bank does indeed use an 8% figure in their marketing, but because most people don’t understand the Time Value of Money (TVM), they end up effectively paying 14.54%.

It’s not a matter of “fairness”—it’s that banks have no obligation to educate you. It is your responsibility to master the math behind your money.

Contact me to learn more! Trust Fund Group Consultant | Making Money Work for You

“You don’t know what you don’t know; you only know what you know.”

財商教育

名義利率(Nominal Rate) Vs 實際利率(Effective Rate)

掌控自由從了解名義利率和實際利率的分别開始。

一般人的借貸算法：名義利率(Nominal Rate)

$450Ⅹ12月=$5400=還款總數
5400-5000=400=利息總額
400/5000×100=8%=利率

金融的借貸算法：實際利率(Effective Rate)

*1 用金融计算机(HP10Bii)或科學計算机機（本人不用）

*2 金融計算機設置一年12次還款

時間金錢價值的方程式: 未來 = 現值（1+利率）^年數
計算: 5000=PV, -450=PMT, 0=FV, 1=N
答案：【I/YR】= 14.54%

思考: 銀行的确以8%計算，因为你不懂時間金錢價值的算法, 所以你付出14.54%。不是合不合理，而是銀行没有義務教育你，而是你不会時間金錢價值的算法。

聨络我了解更多! 讓金錢为你工作的信托基金组組織顧問。

【你不知道你不知道的，你知道你所知道的】^{_{Calvin Kho Ming Soon}}

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