๐Š๐ž๐ง๐ฌ๐จ๐ง ๐‚๐ก๐ž๐จ๐ง๐  - ๐’€๐’๐’–๐’“ ๐‘ญ๐’Š๐’๐’‚๐’๐’„๐’Š๐’‚๐’ ๐‘จ๐’…๐’—๐’Š๐’”๐’๐’“๐’š ๐‘บ๐’๐’๐’–๐’•๐’Š๐’๐’ ๐‘ท๐’“๐’๐’—๐’Š๐’…๐’†๐’“

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  • ๐Š๐ž๐ง๐ฌ๐จ๐ง ๐‚๐ก๐ž๐จ๐ง๐  - ๐’€๐’๐’–๐’“ ๐‘ญ๐’Š๐’๐’‚๐’๐’„๐’Š๐’‚๐’ ๐‘จ๐’…๐’—๐’Š๐’”๐’๐’“๐’š ๐‘บ๐’๐’๐’–๐’•๐’Š๐’๐’ ๐‘ท๐’“๐’๐’—๐’Š๐’…๐’†๐’“

๐Š๐ž๐ง๐ฌ๐จ๐ง ๐‚๐ก๐ž๐จ๐ง๐  - ๐’€๐’๐’–๐’“ ๐‘ญ๐’Š๐’๐’‚๐’๐’„๐’Š๐’‚๐’ ๐‘จ๐’…๐’—๐’Š๐’”๐’๐’“๐’š ๐‘บ๐’๐’๐’–๐’•๐’Š๐’๐’ ๐‘ท๐’“๐’๐’—๐’Š๐’…๐’†๐’“ CFPยฎ, FAR, CMSRL. A passionate Licensed Financial Planner practitioner approved by BNM & SC.

Happy Father's Day to all amazing dads!Your dedication, hard work, and commitment help build not only stronger families ...
21/06/2026

Happy Father's Day to all amazing dads!

Your dedication, hard work, and commitment help build not only stronger families but brighter futures for the next generation.

May your day be filled with love, appreciation, and happiness.

Cheong Kwang Siang, CFPยฎ Licensed Financial Planner & Consultant

๐ŸŒ kensoncheong.com

่ต„ๆœฌ็š„้ญ…ๅŠ›๏ผŒไธๅœจไบŽๆ‹ฅๆœ‰ๅคšๅฐ‘้’ฑ๏ผŒ่€ŒๅœจไบŽๆ‹ฅๆœ‰ๅคšๅฐ‘่ƒฝๅคŸๆŒ็ปญๅˆ›้€ ไปทๅ€ผ็š„่ต„ไบงใ€‚็œ‹็œ‹ๅ…จ็ƒ้กถ็บงๅฏŒ่ฑชๆฆœ๏ผšไป–ไปฌ็š„่ดขๅฏŒๅคง้ƒจๅˆ†ๅนถ้žๆฅ่‡ชๅทฅ่ต„ใ€ๅฅ–้‡‘ๆˆ–้“ถ่กŒๅญ˜ๆฌพ๏ผŒ่€Œๆ˜ฏๆฅ่‡ชๆŒๆœ‰ไผŸๅคงไผไธš็š„่‚กๆƒไธŽ่‚ก็ฅจใ€‚๐Ÿ“ˆ ไผไธšๆˆ้•ฟ๏ผŒไป–ไปฌ็š„่ดขๅฏŒๅขž้•ฟใ€‚๐Ÿ“ˆ ็ปๆตŽๅ‘ๅฑ•๏ผŒไป–ไปฌ็š„่ต„ไบงๅ‡ๅ€ผใ€‚๐Ÿ“ˆ ๆ—ถ้—ดๅคๅˆฉ...
13/06/2026

่ต„ๆœฌ็š„้ญ…ๅŠ›๏ผŒไธๅœจไบŽๆ‹ฅๆœ‰ๅคšๅฐ‘้’ฑ๏ผŒ
่€ŒๅœจไบŽๆ‹ฅๆœ‰ๅคšๅฐ‘่ƒฝๅคŸๆŒ็ปญๅˆ›้€ ไปทๅ€ผ็š„่ต„ไบงใ€‚

็œ‹็œ‹ๅ…จ็ƒ้กถ็บงๅฏŒ่ฑชๆฆœ๏ผš

ไป–ไปฌ็š„่ดขๅฏŒๅคง้ƒจๅˆ†ๅนถ้žๆฅ่‡ชๅทฅ่ต„ใ€ๅฅ–้‡‘ๆˆ–้“ถ่กŒๅญ˜ๆฌพ๏ผŒ
่€Œๆ˜ฏๆฅ่‡ชๆŒๆœ‰ไผŸๅคงไผไธš็š„่‚กๆƒไธŽ่‚ก็ฅจใ€‚

๐Ÿ“ˆ ไผไธšๆˆ้•ฟ๏ผŒไป–ไปฌ็š„่ดขๅฏŒๅขž้•ฟใ€‚
๐Ÿ“ˆ ็ปๆตŽๅ‘ๅฑ•๏ผŒไป–ไปฌ็š„่ต„ไบงๅ‡ๅ€ผใ€‚
๐Ÿ“ˆ ๆ—ถ้—ดๅคๅˆฉ๏ผŒไป–ไปฌ็š„ไปทๅ€ผๆ”พๅคงใ€‚

ๅฏŒไบบไนฐ่ต„ไบง๏ผŒ็ฉทไบบไนฐๆถˆ่ดนๅ“ใ€‚
่ดขๅฏŒ็š„ๅทฎ่ท๏ผŒๅพ€ๅพ€ไธๆ˜ฏๆ”ถๅ…ฅ็š„ๅทฎ่ท๏ผŒ
่€Œๆ˜ฏ่ต„ไบง้…็ฝฎๆ€็ปด็š„ๅทฎ่ทใ€‚

่ฎค็Ÿฅๅ†ณๅฎšๆ–นๅ‘๏ผŒ่ต„ไบงๅ†ณๅฎš้ซ˜ๅบฆใ€‚
ๅฝ“ไฝ ๅผ€ๅง‹่ฎฉ้’ฑไธบไฝ ๅทฅไฝœ๏ผŒ่€Œไธๆ˜ฏๆฐธ่ฟœไธบ้’ฑๅทฅไฝœ๏ผŒ
่ดขๅฏŒ่‡ช็”ฑ็š„ๅคง้—จๆ‰็œŸๆญฃๅผ€ๅฏใ€‚

#่ดขๅŠก่ง„ๅˆ’ #ๆŠ•่ต„็†่ดข #่ต„ไบง้…็ฝฎ #่ดขๅฏŒ็ฎก็† #ๅคๅˆฉๆ•ˆๅบ” #่ดขๅฏŒ่‡ช็”ฑ #้•ฟๆœŸๆŠ•่ต„ #่‚กๆƒๆ€็ปด #่ต„ๆœฌ็š„ๅŠ›้‡

Cheong Kwang Siang, CFPยฎ
Licensed Financial Planner

ๅพˆๅคšไบบไปฅไธบ๏ผšใ€Œ็งŸๆˆฟๆ˜ฏๅœจๅธฎๅˆซไบบไพ›ๆˆฟใ€‚ใ€ไฝ†ๅฆไธ€ๅฅ่ฏไนŸๆˆ็ซ‹๏ผšใ€Œๅฆ‚ๆžœๆฒกๆœ‰ๆŠ•่ต„๏ผŒไพ›ๆˆฟไนŸๆ˜ฏๅœจๅธฎ้“ถ่กŒ่ตšๅˆฉๆฏใ€‚ใ€็œŸๆญฃๅ…ณ้”ฎไธๆ˜ฏไนฐๆˆ–็งŸ๏ผŒ่€Œๆ˜ฏ๏ผšไฝ ๆœ‰ๆฒกๆœ‰่ฎฉ้’ฑๆŒ็ปญๅขžๅ€ผ๏ผŸๅฆ‚ๆžœ็งŸๆˆฟๅŽๆŠŠ็œไธ‹็š„้’ฑๅ…จ้ƒจ่Šฑๆމ๏ผšโŒ ็งŸๆˆฟ่พ“ๅฆ‚ๆžœไนฐๆˆฟๅŽๆˆฟไปทๆŒ็ปญไธŠๆถจ๏ผšโœ… ไนฐๆˆฟๅฏ่ƒฝ่ตขๅฆ‚ๆžœ็งŸๆˆฟๅŒๆ—ถ้•ฟๆœŸ็บช...
06/06/2026

ๅพˆๅคšไบบไปฅไธบ๏ผš
ใ€Œ็งŸๆˆฟๆ˜ฏๅœจๅธฎๅˆซไบบไพ›ๆˆฟใ€‚ใ€
ไฝ†ๅฆไธ€ๅฅ่ฏไนŸๆˆ็ซ‹๏ผš
ใ€Œๅฆ‚ๆžœๆฒกๆœ‰ๆŠ•่ต„๏ผŒไพ›ๆˆฟไนŸๆ˜ฏๅœจๅธฎ้“ถ่กŒ่ตšๅˆฉๆฏใ€‚ใ€

็œŸๆญฃๅ…ณ้”ฎไธๆ˜ฏไนฐๆˆ–็งŸ๏ผŒ่€Œๆ˜ฏ๏ผš

ไฝ ๆœ‰ๆฒกๆœ‰่ฎฉ้’ฑๆŒ็ปญๅขžๅ€ผ๏ผŸ

ๅฆ‚ๆžœ็งŸๆˆฟๅŽๆŠŠ็œไธ‹็š„้’ฑๅ…จ้ƒจ่Šฑๆމ๏ผš
โŒ ็งŸๆˆฟ่พ“

ๅฆ‚ๆžœไนฐๆˆฟๅŽๆˆฟไปทๆŒ็ปญไธŠๆถจ๏ผš
โœ… ไนฐๆˆฟๅฏ่ƒฝ่ตข

ๅฆ‚ๆžœ็งŸๆˆฟๅŒๆ—ถ้•ฟๆœŸ็บชๅพ‹ๆŠ•่ต„๏ผš
โœ… ่ต„ไบง็ดฏ็งฏๅฏ่ƒฝ่ฟœ่ถ…ๆˆฟ่ดทๅˆฉๆฏ

---

ไนฐๆˆฟ VS ็งŸๆˆฟ๏ผŒๅ“ชไธชๆ›ดๅˆ’็ฎ—๏ผŸ

ๅ‡่ฎพ1๏ผš-
๐Ÿ  ไนฐๆˆฟ๏ผšRM628,000๏ผˆ่ดทๆฌพ๏ผŒๆˆฟ่ดทๅˆฉๆฏ4%ยฑ๏ผ‰
ๆฏๆœˆไพ› RM3,000๏ผŒ30ๅนด
ๆ€ปๅ…ฑไป˜ๅ‡บ๏ผšRM1,080,000
ๅ…ถไธญๅˆฉๆฏๅฏ่ƒฝ้ซ˜่พพ๏ผš็บฆ RM452,000

้ข„็ฎ—30ๅนดๅŽๆˆฟๅญๅขžๅ€ผ3ๅ€็š„่ฏ๏ผšRM2,000,000 - RM1,080,000 - RM68,800 ๆ‰‹็ปญ่ดน(SST, Agent Fee, Lawyer, etc) = RM851,200 nett

ๅ‡่ฎพ2๏ผš-
๐Ÿ˜๏ธ ็งŸๆˆฟ๏ผšRM1,500/ๆœˆ
ๆŠŠๅฆๅค– RM1,500 ๆฏๆœˆๆŠ•่ต„๏ผŒ
ๅนดๅ›žๆŠฅ 8%๏ผŒๆŒ็ปญ30ๅนด
็ป“ๆžœ๏ผšๆœฌ้‡‘ RM540,000
ๅคๅˆฉ่ต„ไบง็บฆ๏ผšRM2,235,000

ๅนดๅ›žๆŠฅ 6%๏ผŒๆŒ็ปญ30ๅนด
็ป“ๆžœ๏ผšๆœฌ้‡‘ RM540,000
ๅคๅˆฉ่ต„ไบง็บฆ๏ผšRM1,506,773

็œŸๆญฃ็š„้—ฎ้ข˜ไธๆ˜ฏ๏ผš
โŒ ไนฐๆˆฟ่ฟ˜ๆ˜ฏ็งŸๆˆฟ

่€Œๆ˜ฏ๏ผš
โœ… ไฝ ๆœ‰ๆฒกๆœ‰ๆŠŠ็œไธ‹ๆฅ็š„้’ฑๆŒ็ปญๆŠ•่ต„๏ผŸ
่ต„ไบงไธๆ˜ฏ้ ๆ”ถๅ…ฅ็ดฏ็งฏ๏ผŒ
่€Œๆ˜ฏ้ ๆ—ถ้—ด + ๅคๅˆฉๆปš้›ช็ƒใ€‚

โ€” Cheong Kwang Siang CFPยฎ ่ดขๅŠก่ง„ๅˆ’ๅธˆ่ง‚็‚น

๏ผŠๅ…่ดฃๅฃฐๆ˜Ž๏ผš่ฟ™ๅชๆ˜ฏ่ดขๅŠกๆฆ‚ๅฟต็คบ่Œƒ๏ผŒไธไปฃ่กจๆˆฟไบงไธ€ๅฎš่พ“ๆˆ–ๆŠ•่ต„ไธ€ๅฎš่ตขใ€‚

ใ€ๅทด่ฒ็‰น็œผไธญ็š„ใ€Œไธ€็”Ÿ่ ขไบ‹ใ€ๆ˜ฏ่ฒทๆˆฟ๏ผๆ˜Žๆ˜Ž่ฒทๅพ—่ตท๏ผŒ็‚บไฝ•ๅฏง้ก˜็งŸๅฑ‹๏ผŸใ€‘

ๅทด่ฒ็‰นๆ˜ฏๅ…จ็ƒ็Ÿฅๅ็š„ๆŠ•่ณ‡ไบบใ€‚ไฝ†ๅœจไป–็š„ๅ‚ณ่จ˜ใ€Š้›ช็ƒใ€‹่ฃก๏ผŒๆœ‰ไธ€ๆฎต้—œๆ–ผ่ฒทๆˆฟ็š„ๆ•…ไบ‹๏ผŒๅพˆๅ€ผๅพ—็Žฉๅ‘ณใ€‚

็•ถๅนดไป–ๅพž็ด็ด„ๅ›žๅˆฐๅฎถ้„‰ๅฅง้ฆฌๅ“ˆๅทฅไฝœ๏ผŒๅ’Œๅคชๅคช็ตๅฉšๅพŒ๏ผŒไธ€้–‹ๅง‹ไปไฝๅœจ็งŸไพ†็š„ๆˆฟๅญ่ฃก๏ผŒๆฒ’ๆœ‰ๆ€ฅ่‘—่ฒทๆˆฟใ€‚็›ดๅˆฐๅญฉๅญๆŽฅไบŒ้€ฃไธ‰ๅ‡บ็”ŸๅพŒ๏ผŒๆ‰ๅœจๅคชๅคช็š„่ฆๆฑ‚ไธ‹๏ผŒ่ฒทไธ‹ไธ€้–“ๅฑฌๆ–ผ่‡ชๅทฑ็š„ๆˆฟ็”ขใ€‚็•ถๆ™‚ๅคงๆฆ‚่Šฑไบ†3่ฌๅคš็พŽๅ…ƒใ€‚้™คๆญคไน‹ๅค–๏ผŒๅคชๅคช้‚„่Šฑไบ†1่ฌๅคš็พŽๅ…ƒ่ฃไฟฎใ€‚ไธ€่ˆฌไบบๅฏ่ƒฝๆœƒ่ฆบๅพ—๏ผŒๆˆๅฎถ่ฒทๆˆฟๅ†่‡ช็„ถไธ้Žใ€‚

ไฝ†ๅฐๅทด่ฒ็‰นไพ†่ชช๏ผŒ้€™ๅปๆ˜ฏไธ€ๅ€‹็—›่‹ฆ็š„็ถ“ๆญท๏ผŒไนŸๆ˜ฏไธๆ˜Žๆ™บ็š„ๆฑบๅฎšใ€‚ไป–็”š่‡ณๆŠŠ้€™ๆฌก่ฒทๆˆฟ็จฑ็‚บใ€Œๅทด่ฒ็‰นๅš็š„่ ขไบ‹ใ€ใ€‚

ๅŽŸๅ› ไธๆ˜ฏๆˆฟๅญไธๅฅฝ๏ผŒ่€Œๆ˜ฏๅœจไป–็œผไธญ๏ผŒ้Œข็•™ไธ‹ไพ†ๆŠ•่ณ‡๏ผŒๅฏ่ƒฝๆ˜ฏๆ›ดๅฅฝ็š„้ธๆ“‡ใ€‚ๅฆ‚ๆžœๆŠŠ่ฒทๆˆฟ็š„้Œขๆ”พ้€ฒ่‚กๅธ‚่ฃก๏ผŒๅนพๅนดๅพŒ๏ผŒไนŸ่จฑๅฏไปฅ่ฒทๆ›ดๅคงใ€ๆ›ดๅฅฝ๏ผŒ็”š่‡ณๆ›ดๅคš็š„ๆˆฟๅญใ€‚ๅคชๆ—ฉๆŠŠ้Œขๆ”พ้€ฒไธๅ‹•็”ข๏ผŒ็ญ‰ๆ–ผๅฐ‘ไบ†่ฎ“้Œข็นผ็บŒๆปพๅ‹•็š„ๆฉŸๆœƒใ€‚

้€™ไนŸๅธถๅ‡บไธ€ๅ€‹้—œ้ตๅทฎๅˆฅ๏ผš
ใ€Œ่ฒทไธ่ตท๏ผŒๆ‰€ไปฅไธ่ฒทใ€‚ใ€
ใ€Œ่ฒทๅพ—่ตท๏ผŒไฝ†้ธๆ“‡ไธ่ฒทใ€‚ใ€

ๅ…ฉ็จฎใ€Œไธ่ฒทใ€๏ผŒ่กจ้ข็œ‹่ตทไพ†ไธ€ๆจฃ๏ผŒ่ƒŒๅพŒๅ…ถๅฏฆๅฎŒๅ…จไธๅŒ๏ผšๅ‰่€…ๆ˜ฏๆฒ’ๆœ‰่ƒฝๅŠ›้ธๆ“‡๏ผ›ๅพŒ่€…ๆ˜ฏๆœ‰่ƒฝๅŠ›ไน‹ๅพŒ๏ผŒๆ‡‚ๅพ—้ธๆ“‡ใ€‚

็†่ฒกไธๅชๅœจๆ–ผใ€Œๆˆ‘ๅญ˜ไบ†ๅคšๅฐ‘ใ€๏ผŒไนŸๅœจๆ–ผใ€Œๆˆ‘ๆœ‰ๆฒ’ๆœ‰่ƒฝๅŠ›ๅˆคๆ–ท๏ผŒไป€้บผๆ™‚ๅ€™่ฉฒ่Šฑใ€ไป€้บผๆ™‚ๅ€™ไธ่ฉฒ่Šฑใ€ใ€‚ๅทด่ฒ็‰นๆŠŠ้‚ฃๆฌก่ฒทๆˆฟๆฑบๅฎš็จฑ็‚บใ€Œ่ ขไบ‹ใ€๏ผŒไธๆ˜ฏๅ› ็‚บใ€Œ่ฒทๆˆฟๆœฌ่บซๆ˜ฏ้Œฏ็š„ใ€๏ผŒ่€Œๆ˜ฏๅ› ็‚บๅœจไป–็œ‹ไพ†๏ผŒ้‚ฃ็ญ†้ŒขๅŽŸๆœฌๅฏไปฅๆœ‰ๅ…ถไป–็”จ้€”ใ€‚

ๅฐๅคšๆ•ธไบบไพ†่ชช๏ผŒๅญ˜้Œข็š„็ฌฌไธ€ๆญฅ๏ผŒๆˆ–่จฑๅฐฑๆ˜ฏๅ…ˆ่ฎ“่‡ชๅทฑๅพžใ€Œ่ฒทไธ่ตท๏ผŒๆ‰€ไปฅไธ่ƒฝ้ธใ€่ตฐๅˆฐใ€Œ่ฒทๅพ—่ตท๏ผŒไฝ†ๆˆ‘ๅฏไปฅ้ธใ€ใ€‚

ไธ่Šฑ้Œข๏ผŒไธไธ€ๅฎš็ญ‰ๆ–ผๆœƒ็†่ฒกใ€‚็œ‹ๆ‡‚ๅทด่ฒ็‰น็š„่Šฑ้Œข้ธๆ“‡๏ผšhttps://bwnet.pse.is/9677e4

ๆœ€่ฟ‘็œ‹ๅˆฐไธ€ๅˆ™ๆ–ฐ้—ป๏ผŒๆๅˆฐ่ถŠๆฅ่ถŠๅคšๅ…ฌๅŠกๅ‘˜ๅ› ไธชไบบ่ดทๆฌพๅŽ‹ๅŠ›่€Œ้ขๅฏน็ ดไบง้ฃŽ้™ฉใ€‚ๅ…ถๅฎž๏ผŒ่ฟ™ไธๅชๆ˜ฏๅ…ฌๅŠกๅ‘˜็š„้—ฎ้ข˜๏ผŒ่€Œๆ˜ฏๅพˆๅคš็Žฐไปฃไบบๅ…ฑๅŒ้ขๅฏน็š„่ดขๅŠก็Žฐ่ฑกใ€‚ๅพˆๅคšไบบๆ”ถๅ…ฅ็จณๅฎš๏ผŒไฝ†็Žฐ้‡‘ๆตไพ็„ถ็ดงๅผ ๏ผŒไธป่ฆๅŽŸๅ› ๅŒ…ๆ‹ฌ๏ผšโ€ข ่ฟ‡ๅบฆไพ่ต–ไธชไบบ่ดทๆฌพโ€ข ไฟก็”จๅก้•ฟๆœŸๅˆ†ๆœŸโ€ข ่ฝฆ่ดทไธŽๆˆฟ่ดทๆฏ”ไพ‹่ฟ‡้ซ˜โ€ข ...
22/05/2026

ๆœ€่ฟ‘็œ‹ๅˆฐไธ€ๅˆ™ๆ–ฐ้—ป๏ผŒๆๅˆฐ่ถŠๆฅ่ถŠๅคšๅ…ฌๅŠกๅ‘˜ๅ› ไธชไบบ่ดทๆฌพๅŽ‹ๅŠ›่€Œ้ขๅฏน็ ดไบง้ฃŽ้™ฉใ€‚

ๅ…ถๅฎž๏ผŒ่ฟ™ไธๅชๆ˜ฏๅ…ฌๅŠกๅ‘˜็š„้—ฎ้ข˜๏ผŒ่€Œๆ˜ฏๅพˆๅคš็Žฐไปฃไบบๅ…ฑๅŒ้ขๅฏน็š„่ดขๅŠก็Žฐ่ฑกใ€‚

ๅพˆๅคšไบบๆ”ถๅ…ฅ็จณๅฎš๏ผŒไฝ†็Žฐ้‡‘ๆตไพ็„ถ็ดงๅผ ๏ผŒไธป่ฆๅŽŸๅ› ๅŒ…ๆ‹ฌ๏ผš
โ€ข ่ฟ‡ๅบฆไพ่ต–ไธชไบบ่ดทๆฌพ
โ€ข ไฟก็”จๅก้•ฟๆœŸๅˆ†ๆœŸ
โ€ข ่ฝฆ่ดทไธŽๆˆฟ่ดทๆฏ”ไพ‹่ฟ‡้ซ˜
โ€ข ็ผบไน็ดงๆ€ฅๅ‚จๅค‡้‡‘
โ€ข ๆฒกๆœ‰ๅฎŒๆ•ด่ดขๅŠก่ง„ๅˆ’

โ€œๆ”ถๅ…ฅ้ซ˜โ€ โ‰  โ€œ่ดขๅŠกๅฅๅบทโ€
็œŸๆญฃๅ…ณ้”ฎ็š„ๆ˜ฏ๏ผš
โœ… ่ดŸๅ€บๆฏ”ไพ‹ๆ˜ฏๅฆๅฅๅบท
โœ… ๆฏๆœˆ็Žฐ้‡‘ๆตๆ˜ฏๅฆ็จณๅฎš
โœ… ๆœ‰ๆฒกๆœ‰ๅ‚จๅค‡6-12ไธชๆœˆ็ดงๆ€ฅๅŸบ้‡‘
โœ… ๆ˜ฏๅฆๆœ‰้•ฟๆœŸ้€€ไผ‘ไธŽไฟ้šœ่ง„ๅˆ’

ไธชไบบ่ดทๆฌพไธๆ˜ฏไธ่ƒฝ็”จ๏ผŒ้‡็‚นๅœจไบŽ๏ผš
ๆ˜ฏโ€œ่งฃๅ†ณ้—ฎ้ข˜โ€๏ผŒ่ฟ˜ๆ˜ฏโ€œๅปถๅŽ้—ฎ้ข˜โ€ใ€‚

ๅพˆๅคšไบบ็”จๆ–ฐ่ดทๆฌพ่ฆ†็›–ๆ—งๅ€บๅŠก๏ผŒ่กจ้ข่ฝปๆพ๏ผŒๅฎž้™…ไธŠๅŽ‹ๅŠ›ๆญฃๅœจๅคๅˆฉ็ดฏ็งฏใ€‚

่ดขๅŠก่ง„ๅˆ’็œŸๆญฃ็š„ไปทๅ€ผ๏ผŒ
ไธๆ˜ฏ่ฎฉไบบๅ˜ๅฏŒ่€Œๅทฒ๏ผŒ
่€Œๆ˜ฏ้ฟๅ…ๆœชๆฅ้™ทๅ…ฅ่ดขๅŠกๅฑๆœบใ€‚

่ถŠๆ—ฉๅผ€ๅง‹็ฎก็†็Žฐ้‡‘ๆตใ€ๅ€บๅŠกไธŽ้ฃŽ้™ฉ๏ผŒๆœชๆฅ็š„้€‰ๆ‹ฉๆƒๅฐฑ่ถŠๅคงใ€‚

โ€”
Kenson Cheong CFPยฎ
Licensed Financial Planner

https://says.com/my/gomen/civil-servants-bankruptcy-personal-loans-malaysia-2026?fbclid=IwdGRjcAR9HAxjbGNrBH0cBWV4dG4DYWVtAjExAHNydGMGYXBwX2lkDDM1MDY4NTUzMTcyOAABHgiT_ExcaBLmMuotdPa71NeQX-R-KofCb57v1isDu7sWVCxmDVwfsO9mZJJP_aem_1sZjBQpgL0WfOs7iIGpoQQ

The country recorded 200 bankruptcy cases involving civil servants in the first four months of 2026, with some individuals owing more than RM4 million.

The Financial Planning Association of Malaysia (FPAM) Sarawak Chapter successfully collaborated with the FIN-ACE Society...
09/05/2026

The Financial Planning Association of Malaysia (FPAM) Sarawak Chapter successfully collaborated with the FIN-ACE Society, Faculty of Economics and Business, Universiti Malaysia Sarawak (UNIMAS), in organising the โ€œFIN-ACE Money Matters: Roadmap to Financial Literacyโ€ programme on 9 May 2026.

The programme attracted enthusiastic participation from UNIMAS students and featured insightful financial literacy sharing sessions by FPAM Sarawak Chapter representatives. The main speakers for the event were Continuing Education & Events Head Advante Ang Tee Cjun and Chapter Secretary Sabestiano Mike Atet, while Chapter Chairperson Cheong Kwang Siang and Deputy Chairperson Cynthia Lim Meng Hui served as facilitators for the workshop activities and group discussions.

Participants were introduced to practical financial planning concepts, money management strategies, and real-life financial planning scenarios designed to strengthen their financial decision-making skills and awareness before entering the workforce.

The interactive workshop sessions and engaging discussions created a dynamic learning environment, receiving positive responses and active participation from attendees throughout the programme.

FPAM continues to play an active role in promoting financial literacy and advancing professional financial planning awareness across Malaysia through educational initiatives and community engagement programmes.

For more information, visit FPAM Sarawak Chapter: https://fpam.org.my/sarawak-chapter/
Instagram: https://www.instagram.com/finacesociety.unimas/

Most people donโ€™t lack income.They lack structure and discipline.Financial freedom isnโ€™t luck โ€” itโ€™s engineered through ...
24/04/2026

Most people donโ€™t lack income.
They lack structure and discipline.

Financial freedom isnโ€™t luck โ€” itโ€™s engineered through habits.

Here are 7 that consistently separate those who struggle vs those who build real wealth:
1๏ธโƒฃ Pay yourself first โ€” minimum 20%
2๏ธโƒฃ Stay invested โ€” especially during downturns
3๏ธโƒฃ Control lifestyle inflation
4๏ธโƒฃ Eliminate high-interest debt monthly
5๏ธโƒฃ Always spend below your means
6๏ธโƒฃ Build multiple income streams over time
7๏ธโƒฃ Measure what matters โ€” your net worth

Simple? Yes.
Easy? Not at all.

The difference is consistency + strategy.
If you want to move beyond theory and actually structure your financial plan properly โ€” thatโ€™s where real transformation begins.
๐Ÿ“Œ Start building your financial blueprint:
๐ŸŒ https://kensoncheong.com
๐Ÿ“˜ Facebook: Kenson Cheong
๐Ÿ“ธ Instagram: .cheong.cfp

10/04/2026

ๅคงๅฎถๆณจๆ„โ€ผ๏ธ ๆœ€่ฟ‘ๅฆ‚ๆœ‰ๆ”ถๅˆฐโ€œ็ฑปไผผโ€ๆญคไฟกๆฏ๏ผŒ็›ดๆŽฅไธพๆŠฅโ€ผ๏ธ
ๆœ‰ไบบๅทฒ็ป่ขซ็›—(Hacked) RM500kไบ†โ€ผ๏ธ

ๆˆ‘ๆœฌ่บซๅทฒ็ปๆ”ถๅˆฐ2ๆฌก๏ผŒ็›ดๆŽฅไธพๆŠฅBlock๏ผ

Dear CFPยฎ members,FPAM warmly invites you to the CFPยฎ Professionals Networking Eveningโ€”an opportunity to connect with fe...
02/04/2026

Dear CFPยฎ members,

FPAM warmly invites you to the CFPยฎ Professionals Networking Eveningโ€”an opportunity to connect with fellow CFPยฎ professionals and industry peers to share ideas and strengthen professional relationships.

Event details:

Date: 23 April 2026

Time: 5:30 p.m. onwards

Venue: Ciao Restaurante

Address: 20A, Jalan Kampung Pandan (off Jln Tun Razak), 55100 Kuala Lumpur

To RSVP, kindly click on the link here or scan the above QR code. We would appreciate it if you could submit your response by 20 April 2026.

็ฅๅคงๅฎถ๏ผ้ฉฌๅˆฐๆˆๅŠŸ๏ผŒๆญฅๆญฅ้ซ˜ๅ‡๏ผ้ฉฌไธŠ่š่ดข๏ผŒ่ต„ไบง็จณๅฅๅขž้•ฟ๏ผ้ฉฌไธŠไธฐๆ”ถ๏ผŒๅนธ็ฆไธŽๅฎ‰ๅฟƒๅนถ่กŒ๏ผ #ๆ–ฐๅนดๅฟซไน  #ๆญๅ–œๅ‘่ดข  #้ฉฌไธŠๆˆๅŠŸ
16/02/2026

็ฅๅคงๅฎถ๏ผ

้ฉฌๅˆฐๆˆๅŠŸ๏ผŒๆญฅๆญฅ้ซ˜ๅ‡๏ผ
้ฉฌไธŠ่š่ดข๏ผŒ่ต„ไบง็จณๅฅๅขž้•ฟ๏ผ
้ฉฌไธŠไธฐๆ”ถ๏ผŒๅนธ็ฆไธŽๅฎ‰ๅฟƒๅนถ่กŒ๏ผ

#ๆ–ฐๅนดๅฟซไน #ๆญๅ–œๅ‘่ดข #้ฉฌไธŠๆˆๅŠŸ

็ฅๅคงๅฎถไธญ็ง‹่Š‚ๅฟซไน๏ผ๐ŸฎWishing everyone mid autumn festival! #ไธญ็ง‹่Š‚  #ไธญ็ง‹่Š‚ๅฟซไน
06/10/2025

็ฅๅคงๅฎถไธญ็ง‹่Š‚ๅฟซไน๏ผ๐Ÿฎ
Wishing everyone mid autumn festival!

#ไธญ็ง‹่Š‚ #ไธญ็ง‹่Š‚ๅฟซไน

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Gala City
Kuching

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