Thanks for all your comments :) !

For Unit Trust Investment, there is a trust nomination option available to investor where you can pay about RM70 or RM80 to setup a trust nomination to your beneficiary, they will get the money within 14 days from the death date. Even this part is not mentioned in will, should not be a problem

For a legal professional will, it should cover "Residuary Clause" which is the most important clause in will, it will cover new acquired asset or any asset that we missed

depend whether you want to put it into your will or not, if not some unit trust company offer trust nomination where you can nominate someone to get the money within 14days

ok, noted. Will do but for time being, i am sharing financial stress management to Smart Investor and will post here also. If you have any doubt on will, you can email me too

is a learning class on financial planning

haha nice :)

haha, another way of seeing it is more choices to improve ourselves since lifelong learning is part of life.

thanks for comment, to me 搵食 is not that hard if you really passion about it. Putting news here is to reach more people, some might need it

thanks, nice catch :)

ok, understand what you mean, it is good to be direct, i did lost money also in few funds which is country/sector/new themes specific, so i encourage people to go for more generic fund like Asia or Asia Pac fund, if you see from fundsupermark's top fund, Kenanga Growth and Easpring Small Cap, both are performing very well, around 16-17++ annually (10yrs++), Kenanga Growth even have 17%++ annual since (if not mistake is since 2001) the fund being launched. Norway's Sovereign Fund even allocate some money to Kenanga to invest for them for Malaysia Region. Chen Fan Fai used to be Fund Manager of Kenanga but now jump to Easpring, he is one of the best fund manager in Malaysia. I totally agree, more job need to be done by unit trust industry, not many good fund in malaysia, i also agree passive fund like KLCI tracker sometime can beat those active managed fund.

ks55, what i want to say:

a) I am not pro any unit trust/insurance/public mutual as i believe every investment tool play it role, investor should do more homework before invest, bad apply always exist in any investment tool
b) EPF is for retirement, this is for sure, the reason of withdraw is to increase more return for retirement when high return EPF cannot offer, this is pro-active way. If you cannot accept it doesn't mean it is bad, respect other for any different idea or approach, don't put emotion or negative word when commenting as it hurt you first even before it come out from your mouth or heart, you can see how i respect your different, be professional, considerate and moderate
c) I think unit trust fund from Eastpring and Kenanga, both offering a good return where one of them offered me 100% return (100% return is for sure but i did not exactly count the total period of holding because i invested several time EPF, mean several batch of investment, i roughly count is around 3-4 year++), i am pulling in second time from EPF again hoping another 100%. I want to compound my EPF money faster on top of EPF return. i am not here to show off the beauty of unit trust or 100% return but just want to say each investment play it role
d) I know what i am doing or advising, i am sure it is at the best interest of public and of course, everyone is different, i can accept people disagree with it, i respect people for different and the right of comment but don't miss-used it just for the sake of commenting

ks55, thanks for your comment, but bear in mind that my suggestion is based on the situation when the EPF's Dividend Rate is almost near housing loan interest rate-below 5%, then you can consider to withdraw to invest unit trust or pay off debt. This is the best advise that i ever made.

Maybe you have bad experience with Unit trust, and i have mine too but i also have experience of getting 100% within 3-4year with unit trust fund.

I totally agree that REITs is one of the good options available but not limited to this

very true :) Thanks :)

very true :) Thanks :)

thanks for your comment, i come to offer learning opportunity if they feel it is relevant

Maybe you have bad experience with other speaker which i don't know. I open to any comment and is your right to comment too but don't over react/comment before you really know the content by judging from the cover. I am licensed financial advisor, my job is to educate public core value of financial planning and add value to their money and life. By the way, i don't recommend stock, in this workshop, i guide them how to define, quantify their retirement needs and gaps and some financial strategies to optimize their nestegg.

maybe you are right, but this i take from http://savemoney.my, not sure how they count, just as reference