Intro

Assalamualaikum wbr and Good Day,

Well, when we talk about financial product available in the market, we tend to find the best product offered by the commercial banks. We found out there are a lot of offers from housing to personal loans and not to forget the credit cards. In my honest opinion, these are the loans everybody is looking for to cope up with our financial situation in supporting our needs to have a better life.

Without the knowledge about the terms and conditions of each loans, we are confuse which is the best product to choose and we are easy to be influenced by the wrong explanation and advice from the marketing agents/sales executive from the commercial banks. Every and each agents will say that their product is the best in the market. Their lowest rate, their longest tenure and other facilities which sometimes could influence us to choose the wrong products beyond our needs.

So what should we do? Who should we refer to? The best person to refer to is the independent financial planner which he/she does not refer to only one product from only a bank or he/she does not represent from any of the commercial banks or insurance company. AND the most important thing is he or she is the Certified Financial Planner (CFP) from Suruhanjaya Sekuriti or Security Commissioner of Malaysia AND a member of Financial Planning Association Malaysia (FPAM). You can find a lot of useful hints and infos available once you browse to www.sc.com.my

I'm a not a Certified Financial Planner but I have my personal financial planner to advice me to manage my financial planning. To know more about the financial planning, feel free to get some useful infos from my website www.asasteguh.com

Thank you

Zul B M