Helwa Sofni Md Isa, IFP

Licensed Financial Planner

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

I believe true empowerment comes from knowledge — knowledge that helps us make smart decisions and find balance in our busy lives. It empowers us to create peace, stability, and joy. Let’s educate, advocate, and do it.

#IWD2025 #EducateAdvocateDoIt #AccelerateAction

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

@Saida_CFPCertTm Kannn..dekat setahun I stop. The house reno took my time & mental space so much. I am glad it is now over, and it went well finally. Alhamdulillah

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

Kerana duit, org sanggup menipu & menganiya org lain.

Dan
Kerana terpengaruh & percaya, ramai kena tipu. Terjerat dgn janji pulangan bulan bintang. The saddest part, in extreme cases, hilang semua life savings. Di usia² emas.

#ScammerAlert

[Saidah Asilah CFP® @Saida_CFPCertTm]

@ImanAbdulRahim Ada colleague kena, Helwa Sofni tu. Dia report polis . Saya sibuk n malas nak report polis bagai.

Guna kuasa viral baru authorities do something kut.

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

@sukomatcha In my case ya. And my friends masa ni pun semua 1st time. Lepas dah rayu dgn TH, PJH yg buat follow up. Kita tggu results. Sambil doa, solat hajat. Doa utk ramai². Saling mendoakan.

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

Pengalaman peribadi rayuan haji tahun 2023. Sy pergi pakej dgn PJH. Coretan penuh di https://t.co/vJMxDpYp1Y

[Faisal Rahim @acaiijawa]

RAYUAN HAJI 2024.

1. Rayuan Haji dah dibuka sejak 26/1/2024 hingga 1/4/2024. Sesiapa yang tak dapat tawaran Haji tetapi BERMINAT nak tunaikan haji tahun 2024 ini, boleh buat rayuan secara online di APPS THiJARI.

2. Bagi yang buat rayuan haji, mereka kena bayar KOS PENUH haji RM33,300 jika rayuan diterima.

3. Kecuali bagi Rayuan Mahram, Rayuan Pembantu Jemaah Berusia dan Rayuan Pembantu Jemaah OKU. Mereka ini kalau buat rayuan, akan bayar harga biasa.

4. Logiknya peluang untuk diterima rayuan haji tahun ini lebih cerah. Sebab bukan semua orang mampu nak bayar kos RM33,300 untuk tunaikan haji. Jadi mungkin tak ramai yang merayu berbanding tahun-tahun sebelum ini.

Kesimpulan.

Bagi yang ada kemampuan kewangan, kesihatan baik dan dah register haji lebih 5 tahun, digalakkan untuk merayu sebelum tarikh tutup. Banyak kelebihan buat haji ketika muda dan kuat.

Kos tunaikan haji pasti akan bertambah lagi pada masa akan datang.

Begitulah.

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

Recently

Lama nya x update kat X anythg. Moga lebih rajin 😆

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

@sukomatcha Masa ni 1st time buat. But I remember tahun ni sukar bg kebanyakkan org sbb surprise dgn kos yg tiba² naik.

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

Kos-kos tambahan ketika mengerjakan haji, selain bayaran pada Tabung Haji atau PJH.

https://t.co/mNsa7AxLrc

#koshaji

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

Pernah ada client kena penalty RM5K sebab submit 5 mins late after the deadline.

Individu yg ada business income (enterprise/sole prop) - Borang B. Other than that, borang BE

Selamat menjalankan tanggungjawab. Tahniah pd yg dah submit & dah enjoy refund 😃

#taxfiling
#YA2023

[Suraya: bestselling Bergaji & Pokai book @surayaror]

New EPF structure. From your monthly contributions:
- 75% goes to EPF account 1
- 15% goes to EPF account 2
- 10% goes to EPF account 3

Money in account 3 can be withdrawn anytime, or channelled to 1 or 2. No info yet on dividend expectation for EPF account 3

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

'OTAOSP'

While I was browsing our slides for a financial talk, it reminds me an article I wrote about managing your personal finances.

A reading for all
https://t.co/7aYB7S8aWm…

We end everyday and everything with Gratitude, life is beautiful.

#personalfinances
#basic

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

InshaAllah today.
Facilitating this event on #FPAM platform.

#islamicestateplanning
#holisticfinancialplanning

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

@Saida_CFPCertTm @wealthvantagemy Congratulations 🎊

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

For ref, gaji brp dah potentially taxable in Malaysia

#personalincometax

[Anas Banas @ans47]

Cukai Pendapatan LHDN

Ramai jugak yg dok tanya, gaji berapa baru kena bayar tax etc.

Boleh la refer ni dr LHDN

Sbb pcb dan bayaran cukai ni bergantung kepada jumlah pendapatan, status perkahwinan, bil anak, jenis taksiran etc

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

@ans47 Mostly scanned, tp yg hardcopy campak dlm file camni (i'm so traditional🤓). Scan better sbb ada resit hilang ink nya dah x boleh baca.

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

New buddy;)

Br beli ptg semalam, dari new local bookshop within neighbourhood area. Kedai nama Jejak Buku & Kopi.

#livingagoodlife
#supportlocalsmallbusiness
#bacalah

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

@elliacd Alfatihah. Salam takziah @elliacd
Semoga Allah merahmati rohnya, memuliakan kematiannya, mengampuni segala kesalahannya, menjadikan syurga sebagai ganti tempat tinggalnya dan menempatkan arwah di kalangan orang² yang beriman.
Amin Ya Rabbal ‘Alamin

Masa haji ma x ikut kan?

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

A bank call me over a hire purchase financing. The rate is 3.2%.
Do you know that 3.2% of our vehicle financing is equivalent to 6% rate for our mortgage financing?

Flat rate vs effective rate.

I use this calculator available online
https://t.co/ThkmrWMARj

#hirepurchase

[Ad Professor @The_AdProfessor]

10 creative ads I've collected this week:

1. Impact Construction Jobs

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

The point is, money is not just about numbers, it is deeply intertwined with human psychology. We need to remind ourselves to be #grateful at all time while managing it.

#moneymanagement
#liquidity

[Helwa Sofni Md Isa, IFP @HelwaSofniIFP]

My not so common outflow that is also happening in Qtr 1 this yr are

1. House major repair works
2. Car service (luckily not major service 30k mileage)
3. Expenses for repair, refurbish my rental prop; new tenant is coming in March. (Still lucky as it vacant only for 1 month)