triangle of financial needs
TRANSCRIPT
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8/3/2019 Triangle of Financial Needs
1/8
Early Sett lement
i s t an tamount to
SELF-SABOTAGE
HIGH
RISKS
LOW
The Hierarchy of Financial Needs in a Holi stic Perspective at a glance
YourUltimateGO
ALS
INVESTMENT
Financial-Independence
viaAss
ets
Allocat
ion
SAVINGS
(ACCUMULATION)
Lifes
tyle
Retiremen
t
Educ
ation
PROTECTION
(ESTATE-CREATIO
N)
Incom
eSecu
rity
Loans
&Fin
ancing
Total Healt
hCare
Healthy, Consistent&Predictable, Positive
Healthy
CashF
lowMa
nagement
(eithe
r InCo
ntrol v
er sus
Lost G
rip)
E F F E C T S O F
INFLATION
TAXES
HIGH
RETURNS,IN%
LOW
ESTATE-PLANNIN
G
Your Goals
Hijacked
/ stalled
in i t i a l l y bu i ld ing from
BOTTOM-UP
then only enjoy
TOP-DOWN
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CUT LOSSES
2, 3POST CRISIS ( a f te r c r i s i s )
Insurance
Compensation
INCUR LOSSES
1DURING CRISIS
I m me d ia te Be ne fi t s
Ca sh Outlay
PREVENT LOSS
4PRE CRISIS (be fore c r i s i s )
Anticipations
Preventive Steps
`
go i n g
ups t re am
go i n g
ups t re am
Going Upstream? Just tick
PRE DURING POST
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MASLOWS
HIERARCHY
OF NEEDS
ILLUSTRATES
THE 5 LEV ELS
o f HUMAN NEEDS
BOTTOM-
UP first, always
keper luan asas anda your very ba sic needs
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The s trategy is to
sett le Consumer
Debts 1 f i rs t , and
not the Loans
for Leveraging 2
Bui ld ing
BOTTOM
UP in i t i a l l y
2 . SAVINGS & ACCUMULATION
HIGH
RETURNS,IN
%
LOW
HIGH
RISKS
LOW
The Triangle of a Holis t ic , Comprehensive Financia l-Planning at a g lance
3. INVESTMENT v i a a sse t s ap prec i a t ion
Healthy, Consistent & Predictable Stream of Cash Flow, i.e. Holding-Power
1 . PROTECTION / ESTATE-CREATION
TAXES
ESTAT
E-PLANNIN
G
GOALS
EVENTUALLY
enjoy ing i t f rom
TOP-DOWN
on auto-pilot
ul t imate ly pay s f rom your wea l th ;
and not f rom your own pay cheque
Bu i ld f rom BOTTOM-UP f i r s t
then re ap / en joy TOP-DOWN
YOUR WEALTH CREATION
via asset al location for a ba lanced-mix
Your Goals
HIJACKED,
STALLED /
SABOTAGED
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BOTTOM-
UP f i r s t , a lway s
HIGH
RETUR
NS,IN
%
LOW
HIG
H
RI
SKS
L
OW
Healthy, Consistent & Predictable Stream of Cash Flow, i.e. Holding-Power
GOALS
YOUR WEALTH CREATION
via asset a l locat ion for a ba lanced-mix
3. INVESTMENT v i a a sse t s apprec i a t ion
2 . SAVINGS, ACCUMULATION Accumulates , then Creates too s low , too pa infu l
1 . PROTECTION / ESTATE-CREATION Creates , then Accumulates a proven , e f f e c t i v e , su re f i re s t ra t egy
YOUR INCOME
REPLACEMENT
TOTAL HEALTH
CARE SOLUTION
LOANS &
FINANCING
LIFESTYLE& DIGNITY
GOLDENRETIREMENT
TERTIARYEDUCATION FUND
TAXES
EVENTUALLY
enjoy ing i t f rom
TOP-DOWN
on auto-pi lot
Compounding
Rule-of-72
EST
ATE
-PLANNIN
G
The Triangle of a Holis t ic , Comprehensive Financia l-Planning at a g lance
# of years
how soon?
S L A V E T O I N F L A T I O N
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TOTAL HEALTH
CARE SOLUTION
# 1 t h r ough 3 are a subset to the Protection / Estate Creation Layer & # 2 inc ludes female C. I .
4. PREVENTIVE HEALTHCARE
1. MEDICAL CARDS
2. CRITICAL ILLNESS *
3. DISABILITY BENEFITS
CUT LOSSES
2, 3POST CRISIS ( a f te r c r i s i s )
Insurance
Compensation
INCUR LOSSES
1DURING CRISIS
I m me di a te B en e fi t s
Cash Outlay
PREVENT LOSS
4PRE CRISIS (before cr is is )
Ant icipat ions
Prevent ive Steps
`
go i n g
ups t re am
go i n g
ups t re am
BEFORE Crisis?
AFTER-Crisis?
Going Upstream?
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Part ic ipat ing Banks:
1. Publ ic Ba nk, PBB
2. Maybank, MBB
3. CIMB
4. Citibank
5. Kuwaiti Finance
6 . U O B l a te Oct . , Y2010
7 . A l -Ra jh i, l a te Apr i l Y2011
- i n p hy s ic a l Go l d
Other Bull ion Traders
1. Caesa r Gold
2. Publ ic Gold
3 . BNM Kijang Emas
4 . Energet ic Gateway
5. Precious Metal
( previous ly Au Niaga )
HIGHER
(
risky)
R
ISKS
(
safer)
LOW
Gold Bullion in yourpossession
once the solid base or core ho ld ing of
go ld bu l l ion is achieved in a port fo l io ,
then only the other more specu la t ive
inves tments can be considered
Un-allocated Gold Accounts
Allocated Gold Accounts
Digital Gold / Gold Certificates
Producing Jnr Gold Mines
Producing Gold Mines
Unhedged Gold MinesETFs: Gold / Silver
Gold Futures / Options
Non-Producing Jnr Exploration
Spread Betting: Gold / Silver
The GOLD Investment Pyramid at a glance
INVESTMENT
INVESTMENT / SAVINGS
via Buy-Low, Sell-High
INSURANCE towardsI NFL AT ION
@ up to 10.0% of your ac t ive port fo l io ( NOT Inves tment )
SPECULATION
BOTTOM-
UP f i r s t , a lway s
LOWEST
RISKS
Guaranteed , Predictable & Consistent
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HIGHER
(
risky)
RISKS
(
safer)
LOW
Gold Bullion in your hand
Up to 10 .0% of your ac t ive port fo l io
Cash Deposits
Money Market Funds
Annuities, T-Bills
Blue Chip Stocks,
Commercial & ResidentialProperty, Corporate &
Government Bonds
Small Cap Stocks
Large Cap StocksEquity Mutual Funds
Options
Futures
Spread Betting
Investment is NOT risky;
IGNORANCE IS
If you st i l l think that
Investment being risky,
TRY IGNORANCE !!
The General Investment Pyramid at a glance
INCOME
GROWTH
C OR E B AS E, FO UND AT IO NA L
@ up to 10.0% of your ac t ive port fo l io ( NOT Inves tment )
SECURITY
SPECULATION
BOTTOM-
UP f i r s t , a lway s
LOWEST
R I S K S
Guaranteed , Predictable & Consistent