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Create regular income for yourself in retirement 016-856 9519 leewengweng95@gmail.com ​ Unit Trust Adviser with Manulife Investment Management Services Berhad since 2020 for Unit Trust Scheme ​ Whatsapp Weng Weng Manulife iFUNDS Free Account Check my license with FIMM Daphne Lee Weng Weng 5 simple steps open account and invest 1 Create new user login ​ ​ ​ ​ ​ [Sign-up] 2 Verify your identity via email ​ ​ ​ ​ [Verify] 3 Open account by provide basic information ​ ​ ​ [Fill digital form] ​ 4 Manulife Investment Management will approved account within 24 ho urs ​ ​ [Pending approval] 5 Investor start to invest ​ ​ ​ ​ ​ [Sign-in/Subcription] How long does it take to open a Manulife iFUNDS account? The entire account opening process takes around 10-15 minutes. Once we receive your online account opening application, the account will be activated opened within 24 business hours. While the account is being processed, you can place an initial subscription. FAQs for Manulife iFUNDS >>> Manulife iFUNDS video – How can I subscribe funds?

English Mutual Fund Execution Service (基金执行服务） ​ KUNCI 是一个流程执行服务，包括基金选择、监控、绩效评估服务。 我们准备有关回报率、总回报率、平均回报率、复合年化回报率、损益、机会成本和已实现/未实现投资内部回报率的报告。 > > 怎么操作？ 注册计划 风险评估、策略规划、投资组合配置 我们的服务顾问将为您监测投资组合 我们的服务顾问会为您更新投资绩效报告 选择计划 月度访问计划 MYR100/访问 季度访问计划 最受欢迎 MYR150/季度/访问 每半年 访问计划 MYR120/半年/访问 每年 访问计划 MYR200/年/访问

About Manulife Investment Management (M) Berhad Helping investors realise the possibilities Manulife Investment Management (M) Berhad (Registration No. 200801033087 (834424-U)) (hereinafter referred to as “Manulife IM (Malaysia)”) is a wholly owned subsidiary of Manulife Holdings Berhad (listed on Bursa Malaysia), which is majority owned by Canada-based Manulife Financial Corporation. A company licensed by the Securities Commission of Malaysia, Manulife IM (Malaysia) operates under the asset management arm (Manulife Investment Management) of Manulife Financial. Manulife Investment Management is a leading global asset manager, with investment expertise extending across a broad range of public and private asset classes, as well as asset allocation solutions. ​ Over and above our strong local team, we also have access to Manulife Investment Management Asia’s network of more than 450 investment professionals, with offices in 17 countries and territories worldwide. As at 31 December 2021, Manulife IM (Malaysia) has assets under management of RM14 billion. Manulife IM (Malaysia) subscribes readily to the Manulife’s excellence-oriented corporate culture and high standards of financial integrity in the management of its unit trust funds. We provide investors access to a skillful, knowledge-driven, and highly credible team of investment professionals with proven performance management capabilities. ​ At Manulife IM (Malaysia), we understand that financial needs change over time. That’s why we offer a suite of investment products and services suited for every stage of life. ​ >> More details << About Manulife iFUNDS ​ Manulife iFUNDS is a new online fund investment platform that allows you to manage your portfolio, anytime, anywhere – seamlessly. ​ In partnership with our professional advisers, Manulife iFUNDS delivers a unified digital experience. Portfolio management, at your fingertips. ​ >> More Detail << ​ Our Agents with Manulife Investment Susanna Chan Pei Pei UT Industry Since 1998 Sia Pik Soon Unit Trust Executive Adviser Chong Chin Kong Unit Trust Adviser Christopher Leong Unit Trust Adviser Malchus Japar Unit Trust Adviser Soh Kee Kiat Unit Trust Adviser Patricia Neita Anak Atien Group AUM RM8.7 Millions (31/1/2024)

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Home About Us Rationale Infopreneur eUnittrust with Toh Ting Jing eUnittrust with Ting Tiew Hua eUnittrust with William Yong eUnittrust with Michael Chua eUnittrust with Hii King Fong eUnittrust with Atien Nadot eUnittrust with Kho Ming Soon eUnittrust with Steve Chieng eUnittrust with Soh Kee Yong iFUNDS with Sia Pik Soon iFUNDS with Winnie Wong King iFUNDS with Daphne Lee Weng Weng iFUNDS with Chong Chin Kong iFUNDS with Susanna Chan Pei Pei iFUNDS with Christopher Leong iFUNDS with Malchus Japar Soh Kee Kiat Services Unit Trust Agency Consulting & Coaching Unit Trust Monitoring Mutual Fund Execution Financial Product Anaylysis Lesson Private Retirement Scheme Save & Invest Forms Join Us Business Opportunity Hindsight Insight Foresight Forum Blog Digital Book & Video Link Funds Prices The Bond & Sukuk Information Exchange Agensi Kaunseling Dan Pengurusan Kredit Funds Research-Morningstar Self-Regulatory Organisation-FIMM Securities Commission Malaysia Financial Planning Association Malaysia Bursa Malaysia Bank Negara Malaysia SME Info EPF's Members Investment Scheme Private Pension Administration The Edge Daily Online Filling PDF Online Convert Image to PDF Log in AHAM iAccess V3 Investor AHAM Digital Transaction AHAM MAP Manulife Investment MHO Adviser Manulife Investment iFUNDS Manulife Insurance eLITE Manulife PRS for Distributor Login Phillip eUnittrust Phillip FAME System SAP Webmail TA Investment @ A-Click Login RHB MySuccess Login Vestwa Pintu System Login Vestwa Webmail Login Microsoft Office365 Login

If you want great things to happen in your career , think big … Focus on the future . Double-down on innovation (Cathie Wood) Anchor 2 Index 1. Header of Saving 2. Profile of Susanna Chan Pei Pei 3. 5 simple steps open account and invest 4. Join Susanna Chan Pei Pei with Manulife Investment Management as agent 5. Want to online open account with Manulife Investment Management via Susanna Chan Pei Pei Susanna Chan Pei Pei +60178053300 calvinkho89@outlook.com Managing Adviser with Manulife Investment Management (M) Bhd since 2014 Consultancy Manager with BOS Wealth Management Bhd (formerly known as Pacific Mutual Fund Bhd) from 1999 till 2014 Group Manager with Affin Hwang Asset Management Bhd since 2014 for Private Retirement Scheme (PRS) Worked as Account Supervisor with PPB Plantation Bhd from 2003 to 2006 Worked as Account Assistant with Jin Lin Wood Industries Bhd 1997 to 2003 Whatsapp Me Accumulate Liquidity Assets To Funding Your Retirement Life Diversification There is no free lunch. But diversification comes close in investing. In fact, the idea of diversification­­ as the closest thing to a “free lunch” for investors has been popularised since the 1950s1 when a diversified portfolio was shown to have the ability to optimise returns with lower volatility in the long run 2 . Many studies done over the years have also shown that divergence in the performance of portfolios ca n be attributed to asset allocation2. Diversification: Why you should never put all your eggs in one basket While risk is inherent in investments, it does not mean that we should be taking additional risks blindly just to enhance our investment returns. Every asset class has its own risk and reward characteristics; they perform differently depending on the point of the economic cycle. By putting different asset classes together in one portfolio, the variability of each asset class will matter less, while the overall portfolio volatility will be reduced. Such, is the beauty of diversification. ​ Put the right number of eggs in different baskets ​ So, does this mean we should put as many asset classes as possible into one portfolio? Definitely not so; asset allocation is the process of constructing the optimal investment portfolio, with different asset classes and weightage, according to an individual‘s investment objectives and risk tolerance. The portfolio should then maximise returns for the individual’s level of risk tolerance. This whole process is akin to allocating an optimal amount of eggs within different combinations of baskets. Simply put, investing in a single asset is typically insufficient to meet investment objectives. But by expanding the investment universe from a single asset to different asset classes and from local to international markets, the risk of over concentration in a single asset is reduced. ​ 5Rs: The five steps of asset allocation So, how should one go about diversifying and allocating assets? For a start, investors can consider the 5Rs: Risk, Return, Right Mix, Rebalancing and Review, which are the essence of asset allocation. 1) Risk: Know your risk tolerance Our needs change as we go through different life stages, and it is important to understand and evaluate our unique risk tolerance. In general, young investors usually have more time on their side and can tolerate higher risk, while middle-aged investors face greater financial pressures and can tolerate only moderate risk. Senior investors, on the other hand, lack stable sources of income and should therefore focus on capital preservation. 2) Return: Setting expected income objectives Before constructing the portfolio, investors should also consider their expected returns as this would largely influence the asset allocation. 3) Right mix: Portfolio construction When it comes to constructing a portfolio, investors are essentially making decisions on how to allocate their capital among different asset classes, in a way that maximises the potential of investment returns, while ensuring that it fits the unique risk profile. Key areas to consider would include: the associated investment risks, what the investment can do for you, what to invest within each asset class, and the right manager for your portfolio. 4) Rebalancing: Disciplined portfolio management ​ After a portfolio is established, should investors hold on to it without giving it much thought? This is one common mistake to avoid; after all, markets are subject to fluctuations, and different asset classes perform differently depending on the market cycle. If left unmonitored, the initial weighting of the asset classes can change over time, resulting in a portfolio that may not be in line with the intended risk profile. Therefore, portfolios should be rebalanced in a disciplined manner. When asset allocation weightings deviate from the initial asset mix (i.e. too high or too low), adjustments should be made. Better-performing assets may be sold to fund the purchase of underperforming assets at low price points, maintaining the original allocation weightings of the portfolio. This risk management mechanism of “buying low, selling high” also instills discipline within investors by getting them to stay within their risk tolerance, instead of drifting away from their intended asset allocation. The asset allocation should be examined regularly, be it monthly, quarterly or annually. Deviations from the target allocation should be rebalanced to restore the target weighting. 5) Review: Choose investment products and managers wisely ​ It is also important to evaluate your needs or changes in financial goals depending on the current stage in life and adjust asset allocation accordingly. One good practice is to review the past performance of various asset classes in your portfolio to determine whether they have met their investment targets. What’s more, work with the right investment manager. Choose your manager wisely by evaluating the performance, philosophy and risk control principles. 下載分散風險 ​ 1. Nobel Memorial Prize in Economic Sciences recipient Harry Markowitz popularised the concept of “diversification” and “asset allocation” in 1952. (http://www.nobelprize.org/nobel_prizes/economic-sciences/laureates/1990/press.html ) 2. Financial Analysts Journal: “Determinants of Portfolio Performance” (May/June 1991); “Determinants of Portfolio Performance II: An Update” (Jan/Feb 1995); “The Equal Importance of Asset Allocation and Active Management”. March/April 2010. 3. Data source: Bloomberg, Manulife Investment Management, data as of 31 December 2022, total returns in US dollar. US bonds are represented by Bloomberg Barclays US Aggregate Index. Asian bonds are represented by 50% JPMorgan Asia Credit Index + 50% HSBC Asian Local Bond Index (2008 to 2012)/Markit iBoxx Asian Local Bond Index (2013 to 2022); Global high yield bonds are represented by Bloomberg Global High Yield Corporate Bond Index. Emerging market bonds are represented by JPMorgan EMBI Global Core Index. Japan equities are represented by MSCI Japan Index. US equities are represented by S&P 500 Index. European equities are represented by MSCI Europe Index. Greater China equities are represented by MSCI Golden Dragon Index. Asia Pacific ex-Japan equities are represented by MSCI Asia Pacific ex-Japan Index. Emerging market equities are represented by MSCI Emerging Markets Index. Average return refers to the calendar-year average returns of the 10 asset classes listed above. P ast performance is not indicative of future performance. Manulife Investment's list of funds eligible under KWSP-MIS 2023/2024 >>> View Maximise Your EPF Savings brochure Anchor 1 5 simple steps open account and invest 1 Create new user login ​ ​ ​ ​ ​ Sign-up > 2 Verify your identity via email ​ ​ ​ ​ [Verify] 3 Open account by provide basic information ​ ​ ​ [Fill digital form] ​ 4 Manulife Investment Management will approved account within 24 ho urs ​ ​ [Pending approval] 5 Investor start to invest ​ ​ ​ ​ ​ Sign-in/Subcription > How long does it take to open a Manulife iFUNDS account? The entire account opening process takes around 10-15 minutes. Once we receive your online account opening application, the account will be activated opened within 24 business hours. While the account is being processed, you can place an initial subscription. FAQs for Manulife iFUNDS >>> Manulife iFUNDS video – How can I subscribe funds? Dream big. Start small. But most of all, Start Leverage our expertise in unit trust agency, call for more detail at 017-8053300 # Minimum 3 credits in SPM exam Flexile hours to suit your needs You determine your income level Satisfaction of helping your clients achieve their financial goals Network with like-minded individuals Be mentored by experienced agency leaders Enjoy th support of a highly experienced management team with global resources # Minimum 3 credits in SPM exam

ARE YOU READY? Building and Growing Your Own Successful Business Kick-Start Your Career as a Infopreneur ​ Flexi hours to suit your need You need little capital (RM238) to start this business right away You determine your income level Satisfaction of helping your clients achieve their financial goals Network with like-minded individuals Be mentored by experienced agency leaders Enjoy the support of a highly experienced management team with global resources 1/1 Join us for more income! If you posses the following qualities, let us help you polish and develop them into an entrepreneurial skill you need in the world of business Positive and logical thinking Good interpersonal communication skills Fair in mathematics Strong desire for success Willingness to learn Passion for Finance and Investing Grow Your Vision I want a upline / leader guide me Start Now Candidates must be above age 21 with SPM. Intensive training will be provided. Interested candidate, please fill up below: What is your highest academic qualification? Do you possess the FIMM (Federation of Investment Managers Malaysia) license? Apply Now Thanks for submitting! We will contact you shortly Check Exam date and enquiry Submit Application Training & Coaching Computerize Unit Trust Exam Start Business ​ Feel free talk to us if you wish to find out more 性格测 试 DISC Personality Test

储蓄与投资 English 累积财富的策略 及早策划《》定期投资《》获证明的策略 掌握时间，迈向财务保障之路。精心的策划和适度的紀律可让你积少成多，聚沙成塔。 Save & Invest shows you easy and affordable ways to invest via our group of members with their management company 储蓄与投资 ，一个简单且负担得起的投资方法 ​ 在储蓄计划之下， 你可以用100元以线上投资方式投资 （也可以面对面​） 你也可以在任何时候，以最低100块做额外投资 ​ 设定一个投资目标 您为何要投资？这一点能帮助您设定合理的时间以达成你的目标. 最普遍的投资目标有以下三项： 个人 这意味着各种可能, 其中包括结婚新屋的首期，或梦寐以求的新车。无论如何, 我们建议您首先建立一项储备金，在生活有更多的选择, 换句话说, 有更大的财务自由！ ​ ​ 教育 不只给予关怀， 高深的教育是我们能够给予孩子们的最佳礼物。教育会给他们更好的未来。这也是给予孩子们终身礼物，可惜的是，最珍贵的礼物， 已是最昂贵的财务负担。今天，只有3巴仙的马来西亚中学生拥有在国内升学的机会*。趁早做好准备，一怀孕马上储蓄不算早！ * source: education guide malaysia, fourth edition ​ 退休 对抗通货膨胀，为自己安排更好的乐龄生活。早日从小数额开始储蓄投资，让复利回酬使你更自由, 随心所欲的过生活 English

Guide On Opening Account with AHAM Asset Management Bhd To comply below Laws & Acts, we require your personal detail & employed detail for proceeding digital onboading process The Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 (AMLA) of Malaysia Foreign Account Tax Compliance Act of the United States Client whatsapp Calvin Kho 016-8898789 "i want to save tax", Calvin will chat with you on personal info your employment info, then Whatsapp NRIC front & back to Calvin Calvin Kho will upload NRIC and your personal info, address, employment, Foreign Account Tax Compliance Act (USA), Suitability Assessment, Investment Amount After Calvin update client information, Client will receive a email link from AHAM Client needs to approve the digital onboarding process AHAM Account Opening Form AHAM Suitability Assessment Form AHAM Transaction Form Back to eUnittrust with Kho Ming Soon

Action Is The Key To All Success Whatsapp Me Hii King Fong 016-870 6330 hkfaaron@gmail.com ​ ​ ​ ​ ​ Financial Consultant with Phillip Mutual Bhd since 2019 Unit Trust Consultant with Eastspring from 2011 to 2019 Sales Executive with RHB Investment Management Sdn Bhd from 2010 to 2011 https://www.sinchew.com.my/content/content_2125220.html 储蓄 是华人老祖宗传承下来的美德， 教我们总要未雨绸缪。 ​ 可是在实际生活中，虽然工钱越来越高，你却发现越来越难存钱，因为生活费也一样水涨船高。 难道储蓄已经是过时理财方法吗？ 其实不然。2019年美国财务规划师进行一项财调查，发现了4种致富途径，而储蓄就是其中一种，也是一般大众都能跟循的方法。 那么，问题到底出在哪里了呢？ 或许，问题出在你所使用的储蓄工具和方法。 欢迎您联系咨询，让我告诉一个更有效率能抗通膨的储蓄投资计划。 伟大科学学爱因斯坦曾称， 复利效應（利滚利）是世界第八奇迹. 很多看懂的人都知道它的神奇和威力，但又基于复杂的计算方法，而没有真正把它实践在自己的储蓄和投资规计划里面。 不知道是哪个聪明家伙，发现了以下这个神奇的72法则，你可以利用它来规划您的投资 Phillip Global Disruptive Innovation Fund 你或许没使用这些 Apps，但你一定听过它们。 它们是大数据时代的趋势，而趋势是最不讲理的经济推手。 可否想过自己可以成为这些科技公司的小股东？现在有个机会让你搭上这股趋势的顺风车。 Fund Factsheet > Open free account with eUnittrust Whatsapp Me 5 simple steps open account and invest Phillip Mutual's eUnittrust platform 1 Open account by provide basic information ​ ​ ​ [Sign-up] 2 Verify your identity via your handphone number ​ ​ ​ [Verify] 3 Update employment, FATCA (1) , CRS (2) forms ​ ​ ​ ​ [Fill digital form] ​ 1. Fareign Account Tax Compliance Act, 2. Common Reporting Standard 4 Scan & upload NRIC/Passport ​ ​ ​ ​ ​ [Pending approval] 5 Investor start to invest minimum RM1 in Phillip Money Market Fund ​ ​ ​ [Sign-in/Subcription] P/S: Take advantage of round up benefit on Phillip Money Market fund monthly declare income distribution, please invest RM10! Contact & Whatsapp: 016-8706 330 hkfaaron@gmail.com

Join us and be consistently outstanding in unit trust business Why Us Whether you are an experienced unit trust consultant or a rookie who is just starting out, we will help you build a successful unit trust business PINTU - Integrated Monitoring Tools PINTU is a cloud application system to helps our business partners provide the most professional and efficient services to clients FLEX We create an business model to help our business partners have multiple sources of income. Our Business Process (SME) We developed an unique business processes to help our business partners deliver a result-based for their clients Process 1: Selection Process 2: Monitoring Process 3: Execution For more information, please contact to 016-8898789 for appointment