This document discusses financial planning concepts including wealth accumulation, protection, and distribution. It promotes the MAAster Series of products from Malaysian Assurance Alliance Berhad, which provide savings, protection, investment, and retirement options. The MAAster products are positioned as superior to traditional bank savings accounts alone. Sound financial planning using MAAster can result in greater protection, savings, and investment returns over the long run compared to savings-only. Investing monthly even small amounts from a young age can result in achieving retirement savings goals of over RM1,000,000. The MAAster Life plan provides death, disability, dread disease, medical, and income protection benefits on top of cash value that can be invested for the future

1. Financial Planning & Risk Management
Concepts, Strategies & Plans
MALAYSIAN ASSURANCE ALLIANCE BERHAD
( 8029-A )
NASRUN AGENCY

2. Financial Planning Concepts
Wealth
Accumulation
Wealth
Protection
Wealth
Distribution
 Wealth Accumulation – How to make money, & let
your money earn more money for you
 Wealth Protection- How to protect your income,
and your potential to earn money, how to protect
your earning capacity
 Wealth Distribution – Who to give your money to

3. Why YOU Should Save With the MAAster Series
Min deposit RM500 Min deposit RM100
Savings A/C Return Returns
2%
Fund
12 Mths
Return
From
Commencement
Fixed Deposit Rate MAAGrowth 12.20% 8.13% p.a.
3.20% MAABalanced 6.60% 5.82% p.a.
MAAIncome 6.79% 5.81% p.a.
MAADana Al-Fayyadh 13.23% 7.25% p.a.
MAADana As-Salam 13.23% 7.25% p.a.
Savings Only Savings,Protection, Investment, Retirement,
and Old Age
Bank Account MAAster Series Of Products

4. Rental (Mortgage)
RM 600
Food
RM 400
Children’s
Education
RM 200
Car Loan & Petrol
RM 450
Entertainment
RM 200
Bank Savings
RM 200
Groceries
RM 250
MAAster
Premium
RM 200
Male, Age 30
Monthly Income=
RM 2,500

5. Sound Financial Planning With The MAAster
MR. A
RM 200
Protection + Investment +
Savings + Flexibility
MAAster
MR. B
RM 200
Savings
BANK

6. 10 years later...
Protection
+
Savings
+
Investment
Savings
Only
MR. A MR. B

7. How Soon Do YOU Want To Become A Millionaire?
To achieve a retirement fund of RM1,000,000
you need to invest monthly a sum of:
Note: Rate of Return = 11%, Retire Age = 55
The Earlier you Start,
the Lower the Cost is…
Your Million
Ringgit Goal!
55 Years Old
35 Years Old
45 Years Old
25 Years Old
RM 4,708 if you are 45 years old
RM 1,227 if you are 35 years old
RM 396 if you are 25 years old

8. “Duit”
Dream House
Holiday
Wedding
Business Capital
Children’s Education
Retirement Fund
Short Term Expenses
Saving for Rainy Days
Death
Sum Assured
is Payable
Disability
Sum Assured
is Payable
Dread Disease
Sum Assured
is Payable
Doctor’s Fees
Hospital Benefits
Surgical Benefits
Medical Benefits (Non
Surgical)
Out-Patient Benefits
Organ Transplantation
Government Hospital
Income Benefits
Insured Child’s Daily
Guardian Allowance
Maaster Life
Your Only Plan For Life

9. If Nothing Happens
Maaster Life
25 Year Old Male, Savings : RM200 Monthly
Cash Value
Age Return
at 9%
50 RM152,180
55 RM238,867
60 RM366,040
If Something Happens
Death Disability Dread Disease
RM100,000
+
RM100,000 Cash Value RM 100,000
+ or +
Cash Value RM 100,000 Cash Value
and continue to
invest the
Cash Value