Will Writing- Plan your WILL today!

Don’t put off till tomorrow when you can

WILL

It today!!

What is a WILL?

Writing a Will is about Empowerment Under the law, upon a person’s demise, all his/her hard earned wealth will be frozen. This would mean that loved ones are unable to transfer the houses, dispose off the shares and worst of all, would face difficulties in withdrawing monies from the bank accounts at a time when needed most. Writing a Will empowers you with the right to plan for your loved ones-for them to obtain their inheritance in the shortest possible time with the least inconvenience.

At OSK Wills, we provide you with comprehensive and affordable Will Writing Services, all under one roof.

OSK Will Writing Services

Wills Will Custodian Services

Estate Administration Services

Why is Will Custodian important to you?

A Will serves no purpose if no one can find it eg: Flood, theft, accidental destroyed,

OSK Wills offers a comprehensive Will Custody System that ensures the safekeeping and easy retrival of your Will to prevent delay in distributing

the wealth to your beneficiaries.

Why appoint a Professional Executor?

An Executor appointed in your Will should be a qualified professional who has the knowledge, experience and commitment, a party whom you can trust to carry out your wishes upon your demise.OSK Wills offers you competent Professional Executor services that your loved ones deserve, thus you can be confident that your estate is adequately managed.

OSK Trustees Berhad

For appointment and more information kindly contact:

Michele Ang

(Estate Planner)

H/P: 012-2150151

Email: mams555@gmail.com

What is Unit Trust?

Unit Trust is an investment vehicle that pools the financial resources of many individual investors who aim to achieve similar investment objectives.“The Mutual Fund is a wonderful invention for people who have neither the time nor the inclination to test their wits against the stock market, as well as for people with small amount of money to invest who seek diversification”.

With Public Mutual you do not need to worry.A pioneer of the Malaysian unit trust industry.Winner of 100 major awards since 1999.Manage more than RM22.8 billion in fund assets(NAV)*. WHolly-Owned Subsidiary of Public Bank.

Here I show you a few comparison on how your savings can grow:

Fixed Deposit: 3.5%-4% Malaysian inflation is 6%-10% .On papers you seem making but the fact you are not benefiting to beat inflation.Price of goods.For example a loaf of whole meal bread today as of April 2008 is RM3.00, can you guarantee the price of bread will maintain RM3.00 for the next few years?

Petrol 8yrs ago full tank is RM40@RM1.20/litre. Petrol full tank today RM70-RM80@RM1.92

So you can actually calculate yourself.Everything up but your FD is almost fixed at 3.5%-4%. How to beat inflation?

Harga minyak sepanjang zaman.. (dalam masa 16 tahun – sejak 1990 )

sebelum 90 – RM 0.89
tahun 1990 – RM 1.10 (kenaikan RM 0.21 )
01/10/2000 – RM 1.20 (kenaikan RM 0.10)
20/10/2001 – RM 1.30 (kenaikan RM 0.10)
01/05/2002 – RM 1.32 (kenaikan RM 0.02)
31/10/2002 – RM 1.33 (kenaikan RM 0.01)
01/03/2003 – RM 1.35 (kenaikan RM 0.02 )
01/05/2004 – RM 1.37 (kenaikan RM 0.02)
01/10/2004 – RM 1.42 (kenaikan RM 0.05)
05/05/2005 – RM 1.52 (kenaikan RM 0.10)
31/07/2005 – RM 1.62 (kenaikan RM 0.10)
28/02/2006 – RM 1.92 (kenaikan RM 0.30)

So you can actually calculate yourself.Everything up but your FD is almost fixed at 3.5%-4%.

Savings Account: 1%-3% P.A No need to illustrate.:)

EPF : 2.5% – 5.8% as of April 2008 Everyone believes at the age of 55you can withdraw your EPF for retirement or children education.Question here is..Is it enough with the current interest rate they giving? How long your EPF can last you? Most people finish their savings within 3-5 years after withdrawal.What you going to do? Work again at age 55? So divert your savings now!!! Don’t put all eggs in one basket.

Unit trust: 8%-12% at times as high as 30% depending on the fund performance. Do not expect to see miracle within 1-3years as mentioned earlier it is a long term planning. Minimum risk, in terms of liquidity fast cash, LOW minimum investment, Competitive returns. Our projections are fully supported by actual facts and figures.

And most important here is the COMPOUNDED INTEREST will prove to you, you make the right decision in life!

Michele Ang-Public Mutual Unit Trust Consultant

H/p: 012-2150151 /03-87335630

Email:  mams555@gmail.com Location: PJ/ KL/ Kajang