Executive Summary

Mr. Tom Ho is a married man with a spouse and 2 children. He owns 2 business holding companies. The purpose of this proposal is to outline Mr. Tom Ho's financial status and standing in order to create a financial plan capable of achieving Mr. Tom Ho's life and financial goals.

This proposal will address the action plans from several key and fundamental financial aspects, namely, insurance and risk management, savings and investments, education planning, retirement and estate planning and also, tax planning.

The action plans and recommendations shall act as a guide in assisting Mr. Tom Ho to achieve sufficient financial protection, lower tax burdens, increased investment (passive) income, good retirement planning and also proper estate planning.

The financial plan outlines all the financial planning and strategies that are designed and developed to:

• Help to set aside an emergency fund preparing the client for unfortunate events and mishaps. • Provide client with budgeting plan and cash flows planning to support client and family's current lifestyle. • Help client in accumulating sufficient retirement funds to support him and his spouse's retirement lifestyle and needs. • Establish a profitable investment portfolio with balanced assets allocation according to client's risk profile and prospect analysis report. • Assist client in reducing client's tax burden by utilizing tax reliefs and other tax savings methods and strategies. • Distribute client's wealth by using appropriate estate planning tools and strategies when client departs. • Reduce and settle out housing loans, car loans and credit card loans. • Assist client in accumulating sufficient funds to support children's tertiary education expenses fully. • Assist client in achieving financial goals and life objectives such as living a quality retirement life, philanthropy after retirement and many more.

Provided with this financial plan, client is projected to be able to achieve listed financial goals within the specified time period if plan is executed accordingly and properly.
Customer's Personal & Family Profile
Personal Details
|Full Name |Tom Ho |
|New NRIC |730608-04-5565 |
|Date of Birth |08 June 1973 |
|Age |41 |
|Gender |Male |
|Marital Status |Married |

Family Details
|Spouse |Angeline Chua, 41 |
|Son |Calvin Ho, 8 |
|Daughter |Victoria Ho, 6 |

Personal Contacts
|Mailing Address |No.16, Damansara II, Jalan 16/11, Off Jalan Damansara, 46350 Petaling |
| |Jaya, Selangor. |
|Home Phone |03-7660-1820 |
|Office Phone |03-7661-1680 |
|Mobile Phone |012-210-6168 |
|E-mail |tomho@bestview.com.my |

Other Details
|Religion |Buddhism |
|Profession |Businessman |
|Smoker |Nil |
|Drinker |Nil |
|Illness(es) |Nil |
|Expected Retirement Age |55, 01/01/2028 |
|Health Condition |Fairly Good |
Financial Goals, Assumptions & Statements
|Financial Goals |Time Frame |Priority |
|Risk Management & Insurance Planning |Short-Term |High |
|Review Existing Insurance Plan | | |
|In case of death or disability, ensure there is sufficient lump sum of funds to support family | | |
|living for 15 years | | |
|Debt Management |Short- Term |Medium to High |
|Minimize bad debt | | |
|Minimize interest on loan | | |
|Set up strategies of using and handling debts and loans | | |
|Tax Planning |Short-Term |Medium |
|Review Personal Income Tax | | |
|Understand Available Tax Relief and strategies to be utilized | | |
|Savings and Investments |Medium to Long-Term |Medium to High |
|Analyze Short-term and Long-term saving needs | | |
|Review current Asset Allocation | | |
|Set up larger funds to serve future needs | | |
|Education Planning |Medium to Long-Term |High |
|Accumulate sufficient funds for both children's education up to tertiary level. | | |
|Retirement Planning |Medium to Long-Term |High |
|Accumulate sufficient funds to retire at ease by age 55 (in 14 years) | | |
|Estate Planning |Short-Term |High |
|Take necessary steps to smoothen estate distribution. | | |
|Avoid misuses of insurance funds | | |
|To protect and preserve business interest | | |
Cash Flow Statement (Joint Assessment) as of 01/06/2014
|Category |Self |Spouse |Total Monthly |Total |Percentage of Income|
| | | | |Yearly | |
|SURPLUS |2,014 |1,519 |3,533 |42,396 |18.29% |

According to the statement above, Mr. Tom Ho and his spouse still have 18.29% of surplus after all necessary expenses including investments and taxes. This is a positive indication of good financial health.

(Please refer to Appendix 1 for the details of the household expenses.)

In our report, we would pitch in suggestions on how Mr. Tom Ho can use the surplus for further financial planning.
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Net Worth Statement as of 01/06/2014
|Category |Self |Spouse |Joint |Total |Percentage of Asset |
|TOTAL ASSETS |2,576,305 |581,175 |500,000 |3,675,480 |100% |
|Credit Card Balance |3,000 |0 |0 |3,000 |0.08% |
|Overdraft |0 |2,500 |0 |2,500 |0.07% |
|Total Current Liabilities |3,000 |2,500 |0 |5,500 |0.15% |
| | | | | | |
|Mortgage |200,000 |161,325 |375,000 |736,235 |20.13% |
|Car Loan |65,000 |45,536 |0 |110,536 |3.02% |
|Business Loan |1,785,000 |0 |0 |1,785,000 |48.80% |
|Total Long-Term Liabilities |2,050,000 |206,771 |375,000 |2,631,771 |71.96% |
|TOTAL LIABILITIES |2,053,000 |209,271 |375,000 |2,637,271 |72.11% |
|NET WORTH |523,305 |371,904 |125,000 |1,020,209 |27.89% |

According to the above net worth statement, Mr. Tom Ho and his spouse has a joint net worth of RM1,020,209 after deducting all liabilities.
Financial Analysis
Financial Ratios Assessment The financial ratio is a set of measures for the analysis of your financial health based on information in the cash flow and net worth statement (See pages 4 & 5). It is an attempt to serve as a road map to compare ratios against benchmarks for financial planning. Benchmarks are obtained from the Risk Management Association (RMA).

|Self Assessment Ratios |Result |Benchmark |
|Saving Ratio |For every RM1.00 earned, saved RM0.134 |> 20% of income |
|Expenses Ratio |For every RM1.00 earned, spent RM0.866 |< 80% of income |
|Debt Service Ratio |For every RM1.00 earned, RM0.397 used for loan repayments |30%-40% of income |
|Liquidity Ratio |Liquid assets are able to cover 71 months of expenses and |3 to 6 months |
| |debt payments | |
|Current Ratio |For every RM1.00 of current liability, you have RM308.78 of|> 50% of Current |
| |liquid assets to meet it |Liabilities |
|Solvency Ratio |For every RM1.00 owned, RM0.207 is net assets (free of |> 50% of Assets |
| |debt) | |
|Liability to Asset Ratio |For every RM1.00 owned, RM0.793 is in debts |< 50% of Assets |
|Liability to Net Worth Ratio |You have RM3.83 of debts and only RM1.00 in net worth to |< 2 times of Net Worth |
| |meet this obligation | |

Recommendations As we can observe from the table above, Mr. Tom Ho and spouse is under the benchmark for most ratio assessments except for the debt service ratio, liquidity ratio and the current ratio. Fortunately, it also means that they are financially capable of meeting short-term emergencies.

1) Saving Ratio We would recommend that Mr. Tom Ho put an effort in decreasing his unnecessary expenses in order to increase his savings margin by at least 0.62% more. The other way to bring the savings ratio to at least 20% would be to increase other income sources. By having a stable and prudent savings ratio, it is easier for Mr. Tom Ho to generate sizeable emergency funds and also generate funds for long term plans.

2) Expenses Ratio To decrease the expenses ratio to a safe benchmark of 80% or less. Mr. Tom would need to cut expenses by a slight margin of 6.6%. This could be comprised of unnecessary entertainment expenses. Other ways would be to increase Mr. Tom Ho's aggregate income. Having a higher than normal expenses ratio signals the possibilities of the individual's failure to meet short-term ad-hoc financial expenses.

3) Debt Service Ratio According to our analysis, Mr. Tom Ho is fully utilizing his debt capacity to fund his long term investments and assets. Therefore, we recommend that Mr. Tom Ho should think thoroughly in the future if he suddenly have plans of refinancing or purchasing a third property or vehicle. If all situations remain unchanged, Mr. Tom Ho is considered within safe boundaries in terms of his debt capacity usage.

4) Liquidity Ratio With the ability to cover expenses and debt payments for up to a strong 71 months, Mr. Tom Ho does not have to worry about his financial assets' liquidity under emergency situations. Mr. Tom Ho can still work to increase it as it will do no harm to his financial standing. However, if Mr. Tom Ho chooses not to do anything about it, it is also fine as he would be able to cover him and his family expenses for at least 4 years if any crisis occurs.

5) Current Ratio Mr. Tom Ho's current ratio is also well above RMA's benchmark by 308.78 times as he has a very liquid portfolio of financial assets. Therefore, he also need not worry about meeting short-term liabilities with his current or liquid-able assets as it is already very much sufficient.

6) Solvency Ratio Referring to RMA's benchmarks, it is only considered financially healthy if 50% or more of a person's net assets is free from debt. However, Mr. Tom Ho's solvency ratio is at a striking low of 20.7%. We recommend that Mr. Tom Ho prioritize himself in clearing current liabilities first as they usually incur higher interest expenses. For instance, credit card debts should be cleared first. However, there is not much that Mr. Tom Ho can do in clearing his mortgages or loans immediately as it would be more cost-efficient in the long run to acquire the properties via mortgages. Car loans however, can be cleared early, if Mr. Tom Ho manages to pool together more income every month.

7) Liability to Asset Ratio Again, in relation with the previous ratio, Mr. Tom Ho's Liability to Asset Ratio is awfully high at 79.3% when the norm should be 50% or below. We would recommend that Mr. Tom Ho stick to the plan stated in number 6) as it would improve his Liability to Asset Ratio as well.

8) Liability to Net Worth Ratio It is suggested that Mr. Tom Ho would need to go in line with number 6) and 7)'s strategies as well for this portion as his total liabilities outweighs his total net worth by a staggering 3.83 times when norms should be as low as 2 times or below. Therefore, Mr. Tom Ho should either improve this situation by clearing his current liabilities first, depreciating assets' loans and property mortgages earlier (in this order), so that his liabilities can be decreased and total net worth would increase.
Risk Management & Insurance Planning
Insurance Needs Analysis Mr. Tom Ho's income protection goal is to provide RM6,000 monthly incomes to maintain his family's standard of living for the next 15 years in case of his unexpected death, illness or disablement. Our analysis shows that his current financial status covers only 75% of his goal. He is still shortfall of RM968,330 (Refer to Appendix 3 as well).

|Financial Assumptions | |
|Desired Monthly Income Protection |6,000 |
|Years of Income Provision |15 |
|Expected % of Annual Return |4.0 |
|Expected % of Annual Inflation |2.5 |
|Expected Spouse Monthly Income |4,000 |

|Cash Needs at Death | |
|Final Expenses |20,000 |
|Emergency Fund |10,000 |
|Paying off Liabilities |500,000 |
|Probates and Legal Fees |5,000 |
|Children's Education Funds |500,000 |
|Other Payments or Funding |2,500 |

|Summary Result | |
|Estimated Capital Needed |1,363,330 |
|Less Existing Insurance (App. 3) |260,000 |
|Less Existing Funding Sources |135,000 |
|SHORTFALL |968,330 |

Recommendations From our analysis, we have already observed that Mr. Tom Ho clearly do not have sufficient income protection in the event of his death. Therefore, it is recommended that Mr. Tom Ho drastically increase his protection amount in order to satisfy full needs to cover income protection needs. Also, to ensure his family's living standards are not negatively affected upon his demise.

Action Plans Since Mr. Tom Ho already have his Medical , Accident and 36 Critical Illnesses covered, Mr. Tom Ho can purchase a whole life policy that only assures his death, without any additional riders to cover the RM968,330 shortfall. The reason being that whole life policies are cheaper than investment linked policies and also that a policy without any riders would have cheaper premium compared to one with riders. After consulting an agent, the coverage of RM1,000,000 for natural and accidental death is roughly an additional RM500.00 per month premium for a 41 year old non-smoking man. After analyzing the policies of Mr. Tom Ho, it is also observed that he missed out on the Early Cancer rider privileges. Fortunately, Mr. Tom Ho has already purchased a PRUlink policy (Refer to Appendix 3), which is an investment-linked policy capable of adding on Early Cancer benefits. Hence, Mr. Tom would only need to top up that specific policy and need not be charged extra because premiums would not be recalculated at his current age. Early Cancer Benefits entitles Mr. Tom to claims on Stage I and II cancer symptoms which is more convenient and humane than the traditional 36 Critical Illnesses Riders where claiming the lump sum usually do not help much with the situation already.
Savings and Investments Referring to Appendix 5 & Appendix 6, Mr. Tom Ho has a large portfolio of savings and investments. He owns 2 properties for primary residence and rental income, a mutual fund portfolio and a stock portfolio. Both properties are still under loans with long loan periods of up to 25 years which subsequently leads to high interests paid (refer to Appendix 9). Mr. Tom Ho wishes to have a bullet payment after the lock in period is finished. Also, Mr. Tom Ho also wishes to accumulate a savings of RM1,000,000 in the next 25 years.

Recommendations Mr. Tom Ho has quite a big portfolio of investments. Most of them are locked in equities and mutual funds, with just 2 properties including his current primary residence. However, the surplus amount of Mr. Tom Ho's current financial situation does not allow him to accumulate sufficient amount of funds in time for a bullet payment after the lock in period as he has to consider the priority of investing in retirement and children's education first given his near retirement age. In addition, Mr. Tom Ho's money would generate more returns in other investment vehicles as well. Besides that, the interest rate charges on mortgage loans will always be fixed and will most likely remain low throughout the loan tenure. The relative amount paid will be very low. The returns in investments will grow higher than the loan interests incurred. Therefore, Mr. Tom Ho should not do the bullet payment upon loan lock period is completed. I also suggest that Mr. Tom Ho put in more of his surplus funds in building rainy day funds and to prepare better for retirement and his kid's college funds.

Action Plan
1) Saving Plan Mr. Tom Ho wishes to accumulate RM1,000,000 within the next 25 years. The table below shows how he can plan his savings and how the savings grow on annual return at 6.0% (Please refer to Appendix 4 for Savings Growth Projection Details).
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2) Investment Plan Nearing his retirement age, Mr. Tom Ho is considered a moderately aggressive investor (refer to Appendix 11). He can improve his investment returns and plan by doing the below:

Building a Moderately Aggressive Investment Portfolio The Moderately Aggressive Portfolio invests most of its assets in stocks while providing a certain level of security through some conservative investments. This encourages income and capital growth over the expected 15 year investment time horizon. It is vital that Mr. Tom Ho builds an investment portfolio that is able to generate passive income in the future and also provide sufficient capital growth to enhance his total new worth for estate accumulation and preservation. The greatest thing about investment planning is making your money work for you. Hence, it would be wise if Mr. Tom can follow our professionals' suggestions to reallocate his investment assets and build up a solid and good portfolio. This can prepare Mr. Tom well for retirement fund accumulation, children's education fund accumulation, emergency funds formation, estate accumulation and preservation and also to generate a stable stream of passive income.

Below is the suggested model of a Moderately Aggressive Portfolio provided by our company's investment specialists:
|20% Bond Index Fund |
|15% Strategic Value Fund |
|15% Stock Market Index Fund |
|15% Growth Fund |
|15% International Developed Countries Fund |
|15% Small Company Fund |
|5% International Emerging Markets Fund |

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Tax Planning Mr. Tom Ho and his spouse's estimated yearly income tax payments only amount to a total of RM6,336 per year, which is only 2.73% of his total net expenses (Refer to Appendix 1). However, there are still a few recommendations and strategies we can further carry out in reducing Mr. Tom Ho's household's tax burden and total net worth at the same time.

Recommendations Mr. Tom Ho should utilize the newly introduced Private Retirement Scheme (PRS) Tax Deductions. Besides that, there are also a few reliefs and deductions Mr. Tom Ho overlooked. Those reliefs should be included as well to focus on reducing and minimizing Mr. Tom Ho's Household Tax Burden.

Action Plans
1) Private Retirement Scheme (PRS) Tax Deduction Special In conjunction to the government's newly launched voluntary private retirement scheme, the government has approved of a 10 year special tax deduction up to RM3,000 per year on top of one's Insurance and EPF reliefs since 2012. Before the deadline for tax assessment, Mr. Tom Ho would need to purchase a PRS plan up to a lump sum payment of RM3,000 per year until 2021 in order to entitled for the yearly tax deduction. In addition, Mr. Tom Ho would be able to enjoy the additionally built retirement fund and income that is introduced by the government, That is killing two birds with one stone. This would slightly reduce Mr. Tom Ho's taxable income.

2) Other Reliefs The following are the other tax reliefs that Mr. Tom Ho missed out on: a) Special tax relief For those earning an aggregate income of up to RM96,000, they will be able to enjoy a special tax relief of RM2,000. This relief is only applicable for Year Assessment 2013.

b) Personal computer Tax relief for personal computers will not cover tablets and handphones effective from Year of Assessment 2013. You can still enjoy a tax relief of up to RM3,000 for purchase of personal computers made once every three years.

c) Broadband Internet Tax relief for broadband Internet will no longer be available.

d) Interest on home financing Home owners who purchased their property with the sales and purchase agreement signed between March 10, 2009 and December 31, 2010 will have the last chance to enjoy tax relief on interest expended to finance the said property for the first three consecutive years. A tax relief of up to RM10,000 can be enjoyed by two or more individuals who are eligible to claim relief for the same property subject to the following conditions: > The taxpayer is a Malaysian citizen and a resident; > The taxpayer is limited to one residential unit; and > The residential property is not rented out.

By utilizing the above relief, Mr. Tom Ho would be able to claim back certain expenses through tax deductions and also decrease the tax burden at the same time. These reliefs are usually forgotten or overlooked by normal and typical tax payers.

Education Planning Mr. Tom Ho's estimated children's education fund needed at entry age of 18 years old is RM1,306,633. The estimated existing funding can cover 16.8% of Mr. Tom Ho's needs (refer to Appendix 5). Apparently, there is still a shortfall of RM1,087,281. The children's education fund analysis will be based on the following assumptions.

|Child Name |Age |Est. Current Annual Cost |Entry Age |Study Years |Annual Inflation |Rate of Return |Existing Funding |
| | | | | | |Total |219,351 |

Recommendations Obviously, Mr. Tom Ho is very far back in being able to secure sufficient education funds for his children's tertiary education. Therefore, he would need to invest in or save up to achieve the targeted shortfall amount. We suggest that Mr. Tom purchase education insurance and also invest in moderately aggressive portfolios to grow his children's education funds. Besides that, Mr. Tom Ho should encourage the possibilities of financial education assistance such as programs like Edu-Assist, PTPTN, Scholarships, study loans and many more.

Action Plans The table below shows the investment options Mr. Tom can implement in order to attain his funding.

|Investment Option/Returns |4% |8% |12% |
|Lump Sum Payments |734,528 |503,622 |350,075 |
|Monthly Payments |7,359 |5,904 |4,680 |

However, observing the table above, it would be quite difficult for Mr. Tom Ho to take out even a minimum extra of RM4,680 per month for this funding. Therefore, it would be wiser and more proper if Mr. Tom invested in education plans and make preparations for the worst (letting your child get an education loan, E.g. PTPTN). In that case, Mr. Tom would only need to pay for pre-university level education and first semester tuition for the first post-graduate year.
Retirement Planning
Recommendations
Since Mr. Tom Ho plans to retire comfortably by age 55, we would need to review Mr. Tom Ho's preparations for retirement. Moreover, Mr. Tom Ho is just roughly one and a half decade away from retiring. This leaves a limited time window for Mr. Tom Ho to prepare and also, he would need to choose his steps wisely as he cannot afford to make any mistakes. Mr. Tom Ho wishes to have a monthly retirement income of RM7,000 in today's value. Our analysis shows that his current funding can only cover 81.0% of his retirement need. He is still suffering from a shortfall of RM508,438. The results are based on assumptions of 4.0% post-retirement annual return and 3.0% annual inflation.
|Assumptions | |
|Desired Retirement Income |7,000 |
|Desired Retirement Age |55 |
|Life Expectancy |75 |
|% of Post-Retirement Annual Return |4.0 |
|% of Annual Inflation |3.0 |

|Summary Results | |
|Estimated Capital Required |2,672,798 |
|Less EPF Balance at age 55 (Appendix 7) |2,164,360 |
|Less Other Fund Sources |0 |
|SHORTFALL |508,438 |

Action Plans Below is an estimate required lump sum payment or monthly payments for Mr. Tom Ho if he intends to cover up the shortfall through pension plans, saving plans or investment vehicles.

|Investment Option/Returns |4% |8% |12% |
|Lump Sum Payments |317,569 |201,908 |130,503 |
|Monthly Payments |2,748 |2,100 |1,578 |

For a prudent assumption, the lump sum required of the retirement fund needed if the returns were 4% annually up till his expected departure at age 75, the amount required would be RM317,569. Since Mr. Tom Ho has invested in rental property which yields him RM8,000 per month during his retirement years, he should just focus on covering the expenses for the for emergency events. Besides that, there is also passive returns from investment yields. Hence, Mr. Tom's retirement is pretty much already secured. However, to plan for the unexpected, we would recommend Mr. Tom Ho in buying Private Retirement Schemes (PRS) as well. The highest yielding Islamic Fund now, the HWANG AIIMAN Islamic Aggressive Fund yields an annual return of 12.82%. Plus, it entitles one to up to RM3,000 of tax deductions for the next 8 years. This can also minimize tax payable and increase Mr. Tom Ho's surplus for other ventures.
Estate Planning Mr. Tom wishes to take necessary steps to smoothen out his estate distribution. He also hopes that the insurance proceeds would not be misused after his demise because it was meant for his family to carry on with their lives without changing much of their living standards. Also, Mr. Tom wishes to ensure his business's interest is protected and preserved properly. Mr. Tom Ho's insurance proceeds upon his death can be referred to in Appendix 2 and the Net Estate Value of Mr. Tom Ho can be seen in Appendix 9.

Recommendations Although Mr. Tom may not be the sole income earner of the household, proper estate planning is still vital and essential for him and also his beloved family members. We suggest that Mr. Tom Ho do proper business succession planning, write a will and also create a trust (testamentary or living).

Action Plans
1) Business Succession Planning

A good succession plan will help make the transfer of your business go smoothly, and allow you to maintain good relationships with employees and business partners. Succession planning helps you: • Protect the legacy of your business • Maintain a service for your community • Build value for your business • Provide financial security for your family and your stakeholders • Deal with unexpected events (illness, accident or death) • Prepare for the future

It is important to look for an exit strategy that fits both your personal and business objectives. Some of the options to consider when planning for your business succession are:

• Transfer to a family member

o Identify the candidate(s) and discuss the plan; make arrangements for the transfer or sale of your business to your relative.

• Sell to a partner, management team or employees

o Sell the business to current employees who know the business and are interested in seeing it continue.

• Sell to a third party

o Find a buyer and finalize the sale.

In Mr. Tom Ho's case, I would strongly suggest that he plan to sell it to a third party or have the other shareholders buy up his shares so that the proceeds can go to his family who might or might not have interest in building up his legacy.

Mr. Tom Ho's children are still far too young to decide whether they would show interest in architecture and construction or business management. For the time being, Mr. Tom Ho can settle with buying keyman insurance so that the other major shareholders have insurance funds to buy up his portions of shares and also retain the original group of management upon his demise. This would not affect too much on the business operations.

Besides that, even if his children suddenly do decide that they have an interest in their father's business when they grow up, it is never too late to redraft the business succession plan if he is still alive then.

However, we plan for the worst at the time being. Mr. Tom Ho should arrange for his shareholders to buy up his shares when he dies and leave the companies in their care in hopes of maintaining the business's good will and interest. The proceeds from the sales will be devoted into the welfare and survival of his immediate family members.

2) Write a Will & Creating a Trust It is important for any person to write a will. The reason being that if Mr. Tom dies without a will, his entire estate will be frozen and his family members who are highly dependent on most of his income and assets will suffer emotionally and financially as it would take a whole lot of time, effort and money to unlock the assets again. In Mr. Tom Ho's will, he must appoint the executor of the will and a legit guardian for his children. The guardian appointed should be Angelina Chua and also a backup guardian just in case the wife passes away earlier or at the same time with him. I recommend that Mr. Tom Ho distribute some of his money, valued assets and properties to his wife in the will. This provides certain amount of liquidity for his wife when he deceases. With any real estate properties or residual estate left, we would recommend Mr. Tom Ho create a testamentary or living trust. Currently, his eligible heirs are still at the age of minority and are too young to inherit. Therefore, by creating a trust, the children can benefit as a capital beneficiary upon reaching 21 years old and benefit as an income beneficiary before the official and final inheritance. This secures and preserves his wealth after he passes away and also ensures his loved ones are taken care of at least, financially, upon his demise.
Appendices
Appendix 1
Expenses as of 01/06/2014
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Appendix 2
Business Holding Details
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Appendix 3
Insurance Details
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Appendix 4
Saving Growth Projection
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Appendix 5
Investment Portfolio Details
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Mutual Fund Summary Details
Fund Name
Account No.
As at
Redeem Price
:
:
:
:
MAAKL Balanced
040652141002
26/06/2014
0.3473
Fund Type
Company
Plan
:
:
:
MAAKL Mutual
Balanced
Loan
1075.77
:
Composite
Performance Details
Total Investment
Total Unit
Average Price
:
:
:
15,618.87
12,761.08
0.8170
Dividend
Market Value
% Return
Gain / Loss
:
:
:
:
4,091.81
5,424.43
-25.43
-7,336.65
Date
Transaction
Amount Balance
Units Balance
20/01/1995
Purchase 10,000.00@0.9000
10,000.00
11,111.11
24/06/1995
Reinvest Dividend 540.00@0.7500
10,540.00
11,831.11
21/06/1996
Reinvest Dividend 763.11@0.8500
11,303.11
12,728.88
05/06/1997
Reinvest Dividend 882.11@0.6700
12,185.22
14,045.47
01/05/2000
Reinvest Dividend 575.86@0.3660
12,761.08
15,618.87
30/04/2001
Cash Dividend 301.44
12,761.08
15,618.87
30/04/2002
Cash Dividend 295.20
12,761.08
15,618.87
30/04/2003
Cash Dividend 173.37
12,761.08
15,618.87
30/04/2004
Cash Dividend 362.36
12,761.08
15,618.87
30/06/2005
Cash Dividend 198.36
12,761.08
15,618.87
20/08/2006
Cash Dividend 8,862.15
12,761.08
15,618.87
20/08/2006
Unit Split 50%
12,761.08
23,428.30
21/08/2006
Cash Dividend 13,304.93
12,761.08
23,428.30
21/08/2006
Unit Split 34%
12,761.08
31,393.92
22/08/2006
Cash Dividend 21,033.93
12,761.08
31,393.92

Mutual Fund Summary Details
Fund Name
Account No.
As at
Redeem Price
:
:
:
:
HLG Growth
0019654
26/06/2014
0.6290
Fund Type
Company
Plan
:
:
:
HLG Unit Trust
Growth
EPF Scheme
1075.77
:
Composite
Performance Details
Total Investment
Total Unit
Average Price
:
:
:
12,778.24
6,483.93
0.5074
Dividend
Market Value
% Return
Gain / Loss
:
:
:
:
1,483.93
8,037.51
46.85
1,553.58
Date
Transaction
Amount Balance
Units Balance
15/03/1999
Purchase 5,000.00@0.6200
5,000.00
8,064.52
30/06/1999
Unit Split 10%
5,000.00
8,870.97
30/07/1999
Reinvest Dividend 288.31@0.7618
5,288.31
9,249.42
30/06/2000
Unit Split 10%
5,288.31
10,174.36
30/06/2002
Unit Split 10%
5,288.31
11,191.80
14/01/2004
Reinvest Dividend 385.00@0.8159
5,673.30
11,663.67
10/11/2004
Reinvest Dividend 810.63@0.7273
12,778.24
6,483.93
12,778.24

Mutual Fund Summary Details
Fund Name
Account No.
As at
Redeem Price
:
:
:
:
Equity Growth Fund
368932
26/06/2014
0.5537
Fund Type
Company
Plan
:
:
:
CIMB-Principal
Growth
EPF Scheme
1075.77
:
Composite
Performance Details
Total Investment
Total Unit
Average Price
:
:
:
60,124.92
30,739.56
0.5113
Dividend
Market Value
% Return
Gain / Loss
:
:
:
:
0.00
33,291.17
8.30
2,551.61
Date
Transaction
Amount Balance
Units Balance
06/10/2003
Purchase 5,000.00@0.5000
5,000.00
10,000.00
06/10/2003
Bonus Units 100
5,000.00
10,100.00
05/11/2003
Switch In 12,739.56@0.5087
17,739.56
35,143.37
14/01/2004
Purchase 5,000.00@0.5049
22,739.56
45,046.32
14/06/2004
Purchase 5,000.00@0.5156
27,739.56
54,743.76
14/12/2004
Purchase 3,000.00@0.5575
30,739.56
60,124.92

Mutual Fund Summary Details
Fund Name
Account No.
As at
Redeem Price
:
:
:
:
HDBS Select Opportunity
746842 (Joint with Angelina Chua)
26/06/2014
0.5669
Fund Type
Company
Plan
:
:
:
Hwang-DBS
Growth & Income
EPF Scheme
1075.77
:
Composite
Performance Details
Total Investment
Total Unit
Average Price
:
:
:
14,304.45
11,133.76
0.7783
Dividend
Market Value
% Return
Gain / Loss
:
:
:
:
2,633.76
8,109.19
-3.51
-3,024.57
Date
Transaction
Amount Balance
Units Balance
08/07/2003
Purchase 5,000.00@0.7455
5,000.00
6,706.91
14/08/2003
Purchase 500.00@0.7380
5,500.00
7,384.41
22/08/2003
Reinvest Dividend 402.45@0.7291
5,902.45
7,936.40
15/09/2003
Purchase 500.00@0.7833
6,402.45
8,574.72
14/10/2003
Purchase 500.00@0.8846
6,902.45
9,139.95
14/11/2003
Purchase 500.00@0.9013
7,402.45
9,694.70
15/12/2003
Purchase 500.00@0.8732
7,902.45
10,267.31
14/01/2004
Purchase 500.00@0.9203
8,402.45
10,810.61
19/02/2004
Purchase 500.00@0.9538
8,902.45
11,334.83
16/08/2004
Reinvest Dividend 997.47@0.7945
9,899.92
12,590.29
15/08/2005
Reinvest Dividend 1,233.85@0.7198
14,304.45
11,133.76
14,304.4

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[pic]

Stock Summary Details
Stock Name
Company Name
Board/ Sector
Composite
As at
Price
:
:
:
:
:
:
APOLLO (6432)
APOLLO FOOD HOLDINGS BHD
Main Board / Consumer Products
1075.77
26/06/2014
2.4700
CDS Account No.
:
086-001-000736177 (OSK)
Performance Details
Total Investment
Total Share
Average Cost
:
:
:
6,000.00
13,312.50
2.2500
Dividend
Market Value
% Return
Gain / Loss
:
:
:
:
873.75
14,820.00
17.89
1,507.50
Date
Transaction
No. of Share
Amount
19/4/2004
Buy 3000.00@2.25
3,000.00
6,750.00
3/6/2004
Buy 5000.00@2.20
8,000.00
17,750.00
28/2/2005
Dividend 575.00
8,000.00
17,750.00
23/2/2006
Dividend 590.00
8,000.00
17,750.00
26/4/2006
Sell 2000@2.60
6,000.00
13,312.50

Stock Summary Details
Stock Name
Company Name
Board/ Sector
Composite
As at
Price
:
:
:
:
:
:
SUNRISE (6165)
SUNRISE BHD
Main Board / Properties
1075.77
26/06/2014
1.8000
CDS Account No.
:
086-001-000736177 (OSK)
Performance Details
Total Investment
Total Share
Average Cost
:
:
:
13,200.00
17,690.00
1.3402
Dividend
Market Value
% Return
Gain / Loss
:
:
:
:
876.55
23,760.00
39.27
6,070.00
Date
Transaction
No. of Share
Amount
13/4/2005
Buy 5000@1.44
5,000.00
7,200.00
8/7/2005
Buy 5000@1.39
10,000.00
14,150.00
9/12/2005
Buy 3000@1.18
13,000.00
17,690.00
28/1/2006
Dividend 876.55
13,000.00
17,690.00
15/3/2006
Bonus Shares 200
13,200.00
17,690.00
Appendix 6
Property Portfolio Details
[pic]
[pic]
Appendix 7
EPF Projection
[pic]
[pic]
Appendix 8
Loan Repayment Schedule
[pic]
[pic]
Appendix 9
Net Estate Statement
[pic]

Appendix 10
Sample Financial Report

Appendix 11
Prospect Analysis and Interview