We utilise:-
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Life/Takaful insurance for risk management planning
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Unit trust/Private retirement scheme for wealth accumulation planning
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Will/Wasiat/Trust for estate distribution planning
For risk management planning we only use 5 products:-
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Life
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Critical illnesses
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Medical
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Personal accident
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Savings/annuity plans
For wealth accumulation we use only:-
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Unit trusts that consistently outperform benchmarks for a minimum of 5 years
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Syariah unit trusts that consistently outperform benchmarks for a minimum of 5 years
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Top 5 private retirement scheme
For estate distribution we make sure of:-
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Creation of a testamentary trust in the event of a common accident to both parents
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Cover all future unborn children
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Naming a minimum of 3 guardians
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A will that could stand the test of time
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