A Mother’s Love Is Like No Other

Posted on 02/05/2023 by admin

A mother’s love is like no other
Her love is warmer than any summer

She loves you even before you were born
Carrying you 9 months with the tender loving care of a mom

Risking her life and bearing all the pain
Sacrificing her all just for your gain

She would bleed for you to heal
Fight for you to overcome any ordeal

She would sacrifice her life
To keep you alive

Comfort you in difficult times
With care and love so divine

She believes in you when you doubted yourself
Supported all of you; your every cell

Encourages you to go on despite challenges
Does everything she can even beyond her talent

All willing to bear your pain and agony
So that you are safe and in harmony

In haste and chase, many may have forgotten
Her deeds are often taken as forgone

Of this special lady we called “Mother”
Let’s recognize and celebrate her love with a smother

Her love is ever so warm and pure
Should be treasured and cherished with great allure

Today we salute you all mothers
Your undying love and sacrifice of such wonder

We thank God for His most wonderful gift
For He created mothers of this world

Happy Mother’s Day

By Dr Victor SL Tan
CEO KL Strategic Change Consulting Group
He can be contacted at victorsltan@klsccc.com

Dr Victor SL Tan With His Late Mum Who Passed Away When He Was Only 16 — Dr Victor SL Tan with his late mum who passed away when he was only 16

Be A-Z Ready For Tomorrow With Allianz Malaysia

Posted on 01/05/202331/07/2026 by admin

Allianz Malaysia Berhad recently launched ‘Be A-Z ready for tomorrow’, an educational campaign to help Malaysians secure the retirement lives they dream of.

Planning for retirement is more than just ensuring you have adequate finances. The Campaign, will look to help Malaysians understand the importance of retirement planning, with a keen focus on protection and types of insurance coverage that is vital at every stage of life for a sound retirement life.

Allianz Malaysia believes that planning for retirement should encompass overall protection including medical, personal accidents, protection of assets, and having a good support system, in addition to having sufficient savings. Adequate protection is necessary as rising medical costs and unexpected events are likely catalysts for financial setbacks during one’s golden years.

Allianz Malaysia Chief Executive Officer, Sean Wang said a general rule of thumb is that a retiree would need two-thirds of their last drawn salary to retire comfortably.

“When we were studying the market, we learned that Malaysians’ top priorities for retirement are to live debt-free, have sufficient funds for medical emergencies for themselves and family, whilst maintaining their pre-retirement lifestyles. These things will be hard to achieve if people are only leaning on passive savings to finance their golden years.“

A study conducted by YouGov, a global public opinion and data company, showed that only 38 percent of Malaysians have taken proactive steps to plan for their retirement. In fact, when it comes to retirement planning, most are heavily dependent on passive modes such as saving accounts and EPF.

The study which focused on understanding Malaysian retirement priorities found that those intending to plan for their retirement were receptive to protection plans like Life and Medical insurance.

“When planning for retirement, you need to tick as many boxes as you can. Allianz Malaysia through our life and general insurance business offer the best of both worlds, and have crafted a complete suite of solutions to help Malaysians fully realised their retirement dream with no worries,“ he added.

For a Total Retirement Plan, that ticks every box, Allianz Malaysia recommends having sufficient protection such as critical illness coverage and medical coverage to safeguard yourself from events which may deplete your retirement funds and lead to financial catastrophe.

For example, our medical plan HealthInsured offers the most comprehensive medical coverage and comes with an option which many are not aware of. Customers can opt for a suitable deductible level to save insurance costs while being covered by an employer and remove the deductible upon retirement when there is no more employee benefit.

Besides that, an individual that has a significant other and/or has children should also consider a robust protection plan that protects the family like Allianz PrimeCover with high death benefit coverage or leaving a legacy with certainty to the loved ones with our Allianz Legacy Plus.

Malaysians should also consider having Personal Accident plans like Allianz Shield Plus to safeguard themselves in the event of injuries, disability or death, with Cashless Hopsital Admission and Discharge Benefit to further optimise their retirement protection.

In addition, Allianz Malaysia will also provide additional support to its customers through the Allianz We Care Community.

Via the We Care initiative, the Company collaborates with several partners from different sectors such as home care, pharmaceutical, and home medical devices among others, in offering our customers the complete retirement support they will need.

For more details on our ‘Be A-Z ready for tomorrow’ campaign, or realising your retirement dream, please visit allianz.com.my

About Allianz in Malaysia

The investment holding company, Allianz Malaysia Berhad, a subsidiary of Allianz SE, has two insurance subsidiaries – Allianz General Insurance Company (Malaysia) Berhad (“Allianz General”) and Allianz Life Insurance Malaysia Berhad (“Allianz Life”). Allianz General is one of the leading general insurers in Malaysia and has a broad spectrum of services in personal lines, small to medium enterprise business and large industrial risks. The GWP for general insurance business for financial year 2022 reached a mark of RM2.66 billion. Allianz Life offers a comprehensive range of life and health insurance and investment-linked products and for the financial year 2022, Allianz Life recorded a GWP of RM3.37 billion and is one of the fastest growing life insurers in Malaysia. Allianz Malaysia has 32 branches nationwide. In 2021, Allianz Malaysia won The Edge Billion Ringgit Club (BRC) Financial Services (below RM10 billion market capitalisation) award for the highest growth in profit after tax (PBT) over three years. The Company also bagged the Malaysia International Business Awards 2021 (Life Insurance category) and three awards at the Global Banking & Finance Awards: Insurance Brand of the Year Malaysia 2021; Best General Insurance Product Malaysia 2021; and Best Insurance Social Media Engagement Malaysia 2021.

To learn more about Allianz Malaysia, visit allianz.com.my

Facebook: facebook.com/AllianzMalaysia/ | Instagram: instagram.com/allianzmalaysia/

LinkedIn: linkedin.com/company/allianzmalaysia/

About Allianz

The Allianz Group is one of the world’s leading insurers and asset managers with more than 122 million* private and corporate customers in more than 70 countries. Allianz customers benefit from a broad range of personal and corporate insurance services, ranging from property, life, and health insurance to assistance services to credit insurance and global business insurance. Allianz is one of the world’s largest investors, managing around 683 billion euros** on behalf of its insurance customers. Furthermore, our asset managers PIMCO and Allianz Global Investors manage about 1.6 trillion euros of third-party assets. Thanks to our systematic integration of ecological and social criteria in our business processes and investment decisions, we are among the leaders in the insurance industry in the Dow Jones Sustainability Index. In 2022, over 159,000 employees achieved total revenues of 152.7 billion euros and an operating profit of 14.2 billion euros for the group.

*Including non-consolidated entities with Allianz customers.

** As of December 31, 2022

4 Different Types Of Traders: Which One Are You?

Posted on 01/05/2023 by admin

There are different types of traders, as you are aware, if you have ever traded stocks. You could belong to one of several groups of traders, depending on your risk tolerance level and financial objectives.

Before we begin looking at the different types of traders, let’s start by defining a trader and discussing how they differ from investors.

Read: Investing VS Trading, Which One Is Suitable For Me?

Difference Between A Trader And An Investor

Someone who buys and sells stocks with the intention of making a quick profit is a trader. They achieve this by predicting how quickly stocks, currencies, and other financial assets will change in price.

In contrast, investors purchase securities to hold them for a long time and earn returns via dividends, interest, and capital growth.

Investors and traders are distinct in a number of ways. Their risk profiles are one of the key variations. Since they are attempting to capitalise on volatile short-term price movements, traders typically assume greater risk than investors.

On the other hand, investors have the financial resources to adopt a longer time horizon and is more tolerant to market swings.

Read: Fundamental Analysis vs Technical Analysis

The time horizon is another difference. Securities are often held by traders for far less time than by investors. Investors may keep onto a stock for years or even decades, whereas traders may just hold onto it for a few minutes or hours.

Finally, the kinds of stocks that traders and investors invest in vary. Since buying and selling quickly is simpler when a stock is highly liquid and has a high trading volume, traders frequently concentrate on these stocks.

Conversely, investors might be more drawn to stocks with solid fundamentals and the potential for long-term growth.

After knowing the difference between traders and investors, let’s look at the different types of traders.

1. Scalper

Traders that try to make tiny profits on many deals are known as scalpers. They often only keep stocks for a short period of time(a few seconds or minutes), and they frequently trade (dozens or even hundreds of times) in a single day.

Scalpers rely on minute price changes and utilise technical analysis to spot transient patterns.

2. BTST Trader

A “Buy Today Sell Tomorrow” (BTST) trader purchases equities today and sells them the following day. They use this to avoid having to take ownership of the shares, which would necessitate full payment.

BTST traders frequently focus on stocks with significant trading volume and solid momentum.

3. Swing Trader

Swing traders try to profit from swift market changes by holding onto securities for a few days or weeks. They employ fundamental and technical analysis to find equities that are likely to experience quick increases.

More risk is typically assumed by swing traders, as compared to scalpers and BTST traders.

Read: 5 Reasons Why We Lose Money In The Stock Market

4. Position Trader

In order to achieve long-term gains, position traders keep onto securities for weeks or even months. They frequently concentrate on stocks with solid fundamentals and prospects for long-term growth.

Position traders are more interested in the company’s overall health than they are in short-term price fluctuations.

4 Different Types Of Traders

In conclusion, there are many different types of traders, each with a distinctive strategy for the market. Regardless of whether you are a scalper, swing trader, position trader, or BTST trader, it’s crucial to know your risk tolerance and investment objectives before you begin.

By doing this, you can create a trading strategy that suits your needs and contributes to your market success.

Read: Create Your Stock Watchlist With These Simple Steps