rafiqhidayat

MD of Wealth Vantage Advisory / CMSRL Holder - Passionate about creating awareness on managing their personal finances and achieving their financial goals.

[rafiqhidayat @rafiqwva]

Bayangkan hari ini 1 Ogos 2036.

✅ Bebas hutang.
✅ Income pasif cukup untuk semua keperluan.
✅ Bebas travel ke mana yang kita nak.
✅ Ada masa dgn keluarga & orang yang kita sayang.

Semua ini tidak berlaku secara tiba-tiba.

Ia bermula dari sekarang.

What's stopping you?

[rafiqhidayat @rafiqwva]

Not active on X, but just wanted to share baru launch my new website https://t.co/8S9zNRTfyN . Anyone interested to read on financial related posts or sharing can bookmark it as I do update it regularly.

[rafiqhidayat @rafiqwva]

@Saida_CFPCertTm congratulations

[rafiqhidayat @rafiqwva]

@usaashawan tengok mandat dia bro. Kalau mandate dia cash degan fixed income investment, takleh banding dengan yang boleh invest dekat ekuiti..

[rafiqhidayat @rafiqwva]

@azolkipli Malaysia panas... hahaha

[rafiqhidayat @rafiqwva]

@kewangangraduan sampai dkt X juga eh...

[Suzardi M {Pakdi} @Pakdi7]

Aku selalu perhati yang "prospek" ni nak tahu bakal "financial advisor" dah berjaya atau tidak adalah dengan tengok kereta yang dia bawa dan other lifestyle symbol.

Perkara ni ada demand - supply.

[rafiqhidayat @rafiqwva]

@Pakdi7 bawak Aruz mcm mana? x berjaya lah kan

[rafiqhidayat @rafiqwva]

@Pakdi7 setuju... mmg bukan skop kerja.. byk lg kerja nk buat...

[rafiqhidayat @rafiqwva]

@surayaror it's not for everyone (yet). And the business model doesn't require a financial planner to have many clients, so take your (collective time) and move forward when ready.

I have clients who asked me 5 years ago and only engage recently.

[rafiqhidayat @rafiqwva]

@azolkipli nnt baca share summary

[rafiqhidayat @rafiqwva]

So life or car coverage?

siapa boleh jawab?

[rafiqhidayat @rafiqwva]

Standard mode for a financial planner - Don't take any risks.

A financial planner will not advice their clients to take any unnecessary risks if there's no need to do so.

[rafiqhidayat @rafiqwva]

@l_wcw @addinsan @bitcoinmalaya yes for individuals is non taxable. for companies fd interest income is taxable.

[rafiqhidayat @rafiqwva]

@MeeraCFPcertTM so apa your advice?

[rafiqhidayat @rafiqwva]

Macam biasa, keputusan dkt tangan kita sendiri. Siapa2 yg rasa nak sampai lvl 5 atau 6 boleh pm tepi utk sesi discovery percuma. Kalau x nak or x berminat tak siapa boleh paksa.

[rafiqhidayat @rafiqwva]

Ramai org struggle nak sampai level 1 pun. Bukan nak cakap klien2 tak bising bila kos hidup naik, tapi kebanyakan lepas dah bbrp tahun engage dah sampai level 4 atau 5, jadi kalau ada kenaikan kos sara hidup, benda yg akan terganggu adalah jumlah simpanan yang diaorg boleh simpan

[rafiqhidayat @rafiqwva]

Kadang2 tu kita sendiri tk uruskan dgn betul dan bila ada masalah tak cuba cari org yang boleh bantu selesaikan utk kita.