Great Saving Program

Addressing the future for retirement income is the trend of setting good financial planning for golden age, maintaining good life style and value quality life is good cause of healthy living. Saving for the future must involves discipline of save first than spend later. The more you save, the more is the benefits. First to accumulate than speculate.
Recently, GV has a conference attended by more than 1200 people of the SME industries. The speaker was prominent people from Pansonic Group MD and some Taiwanese professors. After the convention they requested a special product be offered for their financial planning by ING Insurance Bhd. Therefore on popular demand, ING agreed to allow those attended the convention to purchase saving program of Pay 10/10 & 15/15 to be continue until the RM2 million is achieved.

We managed a saving program that guarantees the following – 1) Fixed duration of paying premium, 10/10, 15/15 or 20/15 2) Pay out perpetual regular stream of income (ICP) until age 85 3) Emergency Cash 4) Cash & Terminal Dividend 5) Protection with Death & Total Permanent Disable benefit 6) Waiver of premium upon contacted critical illness
7) Lump sum payout upon maturity

For those who wish to retire at 55 yrs and continue to receive a Regular stream of Income until age 85 can benefit from this program. It also looks after long term care if you fall ill after age 70yrs until 85. You may want to build a legacy for your children to collect perpetual income. Create a gift of love program for your children.

Age group between 40 – 45 may want to consider Pay 15/15 or 10/10
Age group between 25 – 39 may want to consider Pay 20/15

This is a beautiful program which you should consider getting your working children to save seriously if you want them to planning for retirement. Remember that one EPF may not be enough so contact me to offer the details.

GIO & ICPlus Investments

1) In August 2006 we concluded the Capital Guaranteed Fund that is invested in AsiaPac regions. The result was encouraging. It reported and rank by Lipper Hindsight that ING AsiaPac CG Funds has the highest gain of the average 17 others. We have acquired 4% gain since then. Entry price 9.20 and current 9.60. Even the ZNID has increased to more than 4%. That means a profit from both sides.

ING Fund Bhd is launching another fund in November 2006. Because we are direct agent, we are given the priority to market this product earlier. Presenting –
ING GIO CAPITAL PROTECTION.

8 Good Reasons why you should consider investing
Safe Haven ( Capital Protection ) – 100% return of capital at the end of maturity period, whilst investing in global equities market for potentially high returns

Investing in Global Equities Market – Global markets with unlimited upside growth potential within the next 3 years

Global Investing Equities Made Easy – Uptrend investing across 4 market global indices rather than “cherry picking” global stocks

Generating High Potential Returns – ING Global Index Options provides the leverage potentially high returns for the fund

Up to 100% Participation Rate – Maximizing the fund’s return with up to 100% participation in the underlying global markets

Locking in Best Quarter Returns – Maximizing Annual Best Quarter Locked-in Returns over the 3 year period

Projected 8% -12 % Returns p.a
(Back testing results over past 3 yrs Locked return Avg 42.13% or return per annum 14.04%)

Giving you the Best of ING’s Global Expertise, Local Delivery.


As an Investor, if you:-
ü Are seeking to preserve the value of your capital
ü Want to participate and benefit from the potential upside of global equity markets
ü Wish to diversify your investment across 4 key global markets
ü Want to lock in returns during bear markets whilst averaging your returns up when the market is bullish
ü Prepared to invest for a 3 year period
ü Have low to moderate risk tolerance



2) These investment is for corporation who wish to take opportunity even on day to day basis of earning everything possible. Recently launch by ING Funds Bhd. Presenting – ING Cash Plus. It’s a Treasury’s Dream on Safety, Liquidity and Yield.

8 Reasons Why You Should Invest In ING Cash Plus
1) Yield Enhancement – Have your short – term cash flows actively managed by ING Funds to potentially earn higher returns compared to money markets and Fixed Deposit rates

2) Convenience and Flexibility – One stop convenience cash management fund that offers you flexibility to manage your cash flows, with daily interests credited to your funds.

3) Regularly Monthly Income Distribution – The funds seeks to distribute a monthly income stream. You have a choice to receive the income in cash or reinvest in your funds.

4) Safety of Capital – the portfolio of the Fund will have an AA+ overall credit rating bases on its underlying money market & short-term fixed income instruments.

5) Liquidity with T + 1 Settlement – No fixed tenure required. When the need for cash arises, you can easily withdraw your cash from the Fund in T+1, with no exit and penalty fees.

6) Tax advantage 28 % saving – Increase your returns with 28% tax savings. You are not subject to capital gains & income taxes when you receive your income distribution or cash withdrawal.

7) Professional Cash Management – ING Funds employs an active investment management process that seeks to generate potentially high returns, whist ensuring proper risk management of the fund.

8) ING Global Investment Management – ING Investment Management currently manages over Euro 245 billion globally in the fixed income funds for government pensions, institutional and corporate clients.

These funds are suitable for investors who:
Desire a steady stream of income
Have short to medium term investment horizon
Have low tolerance of investment risks
Want a highly liquid investment portfolio
Want a low risk fund as part of the asset allocation strategy


Please contact me anytime to provide detail information about growing your money with us.

Happy Investing….