Navigating a Divergent Global Economy: What It Means for Your Portfolio
In the world of investing, we often hear about the global economy as if it’s a single, unified thing. You might hear headlines that the “global economy is slowing” or “global growth is picking up.” But if you’ve been paying attention lately, you’ll notice something a little different. It’s less like a single engine and […]
A Battle I Never Planned to Fight, and the Lessons I Learned
How do I even begin to tell this story? The moment I try to go back, a wave of pain and agony washes over me. About a year and a half ago, in April 2024, just before the holy month of Syawal, I was home, battling a painful period and a relentless cough in my […]
Beyond the Degree: Insuring Your Career Journey in the Malaysian Gig Economy
You’ve graduated from the traditional 9-to-5 mindset. You’re a Malaysian gig worker—a visionary freelancer, a dedicated e-hailing driver, a passionate online business owner. Your choice of freedom and flexibility is shared by a growing number of Malaysians, with over 3 million individuals now part of the gig economy. But here’s a sobering statistic: The majority […]
Buying Back Your Time: The Secret to a Meaningful Life
You’ve always been the person who gets things done. The one who carries the weight, who solves the problem, who handles it all. You take pride in your independence, in your ability to be a pillar of strength for yourself and for those you care about. For you, the answer to a challenge has always […]
When Friends Are at Different Financial Levels: How to Navigate Money in Social Circles
Let’s get real for a moment. You’re out with your closest friends, laughing, catching up, and having a great time. Then, the bill arrives. Your heart sinks a little as the group discusses splitting the total, which is far more than you expected. You feel a familiar, uncomfortable guilt, wondering if you should have just […]
The New Work-Life Balance: A Financial Guide for Fresh Graduates and the Self-Employed in Malaysia
For generations, the “Malaysian Dream” was a straightforward path: graduate with a degree, land a stable 9-to-5 job, and climb the corporate ladder. But today, a new reality has emerged. You’re a fresh graduate stepping into a flexible job market, or an ambitious self-employed professional building your own empire. You’ve chosen freedom and autonomy, prioritizing […]
The Legacy Beyond Money: What Will You Truly Leave Behind?
We work tirelessly. We build businesses, careers, and accumulate assets. We strive for financial security, driven by the desire to provide for our loved ones and ensure their future. In Malaysia, where familial bonds run deep, the idea of leaving behind a financial inheritance is often seen as the ultimate measure of success, the greatest […]
Digital Insurance: Revolutionizing the Way We Protect Our Lives
The insurance industry has long been a traditional, paper-based one, relying on agents and brokers to connect with customers and process policies. However, the rise of digital technology has brought about a seismic shift in the way we interact with the world, and the insurance industry is no exception. Digital insurance is rapidly transforming the […]
More Than a Paycheck: How a Good Employee Benefits Plan Attracts and Retains Top Talent
Over the past year, we’ve explored the ins and outs of building a strong benefits plan for SMEs. We’ve covered everything from the business case for getting started to the specific types of group insurance you can offer. Now, let’s bring it all together. In today’s competitive job market, an attractive salary is no longer […]
Beyond the Hustle: How Keyman & Shareholder Insurance Protects Your Business Legacy
To every entrepreneur, founder, and business owner: this article is for you. You’ve poured your heart and soul into building something from nothing. You’ve sacrificed countless hours, taken massive risks, and navigated endless challenges to get to where you are today. Your business isn’t just a company; it’s a living legacy, a testament to your […]