2017 Personal Financial Roadmap

Salam,

Just to list out my 2017 roadmap/goals:

1. Remortgage BTS as max as i can to unlock cash for reinvest, holding power etc.

2. Purchase 1 or 2 more houses, perhaps a combination of primary, secondary and tertiary market.

3. Max ASB2 Financing (if i can't do this this year)

4. Purchase an individual land lot title to host a bungalow house 6000sqft >

5. Build a small scale of bungalow house (build up < 1500sqft as a start)

6. Invest in UT as max as i can

7. Invest in Stocks actively (IPOs/bluechips/REITs)

8. Invest/involve in business (UTC/Barbershop)

Great Things Take Time

Great Things Take Time, So just be patient. Betul la tuh. Alhamdulillah, we are back on track! Plan yg aku buat sebelum ni berjaya juga so far. Walaupun ada sikit lari. Syukur.

Plan asal ialah, beli Cerrado dulu then baru Serena, tapi sebab Cerrado lambat pulak launching masa tu, so aku proceed Serena dulu. Bila Serena dah approved, baru submit loan Cerrado. Bila plan dah lari mcm ni, process nak secure loan tu mmg amik masa lama gak, 2 bulan! Alhamdulillah, 2 bank reject, RHB Islamic offer loan tersebut. Rasa happy betul. Cerrado yang aku beli ni ialah unit termurah dalam phase 1. Dalam masa 4 tahun development, insyaAllah banyak ruang untuk capital appreciation. Walaupun 2020 nanti aku x rasa akan dapat positive cash flow, tapi compare dengan unit unit lain dalam phase lain, rasanya aku dah untung banyak kat situ.

Modal aku untuk Cerrado ni so far 5K je (booking), developer borne SPA cost, RHB pulak finance Legal fee dalam loan, 10% downpayment pun borne by developer + dapat cash rebate 2% lagi dari M-Club (aku dah ada Savanna, which is MahSing product jugak kat Southville). So dapat la modal balik 5K booking tu nanti. Can consider beli rumah tanpa modal la ni kan? Hehe. Esok nak sign LO, lusa sign SPA. 3 kali dah MahSing SMS suruh sign SPA :P. Syukur dah settle.

Update kedua, aku join CWA as Unit Trust Consultant, under Kak Liza (Premier Wealth Advisors). Terbaik team ni, semua otai2 join especially otai ASBF macam KEY, Noor Amin etc. Rasa sekeliling memang positive. InsyaAllah, aku try yg terbaik utk menceburi bidang ni. Kene pandai buat sales dan faham pasal Mutual fund. Tu yang penting. In the sametime aku boleh guna platform ni untuk investment journey aku sendiri mcm ASB2F, UT sales. Aku invest, aku dapat faedah UT dan juga commission, menarik kan? Hehe.

Interested to learn more and invest in Unit Trust or ASB, please do contact me at +6012 3869318 and let me be you personal unit trust consultant :)

NEXT MOVE: Remortgage --> ASB2FMax --> Land/Auction/Subsales --> Barbershop

:)