Author: The Official Helmi Hakim Website

Helmi Hakim launches a FREE Financial Planning App…

Alhamdulillah…. I just launched a financial planning app and it is available for FREE for a limited time at Apple App Store. If you are using iphone, I highly recommend you to download my app, by going to App Store and search my name, “Helmi Hakim”. I created the app for Singaporeans who are interested to have a cool and trendy app in their iphone, that can assist them to plan for their finances and at the same time, get FREE, real time  tips on how to save more money in Singapore. By downloading, Helmi Hakim’s Financial Advisory App,...

Read More

18 SpeedWealth Tips, I Learnt From Reading T Harv Eker Book….

I was reading a book called SpeedWealth by wealth guru,  T Harv Eker and will like to share some powerful nuggets. The nuggets may look like common sense but I find it invigorating and refreshing, and I believe it will benefit you too, especially if you are in business! Have a read! 1) You have to position yourself for wealth. 2) Success is a learnable skill. 3) If someone is doing better than you, it’s because they know something that you don’t.   4) The Law Of Income: You will be paid in direct proportion to the value you...

Read More

NTUC Income FutureYou Thank You Promotion….

Recently, I met my 54 year old client at her home in Bedok, to help her do her yearly financial review. I realised her birthday is just in a few more months time. I looked at her gleefully, smiled and told her enthusiastically, “Wow Kak…. Your birthday is coming. It must be a relief that finally you are going to draw out some money from your CPF soon. :)” I added, ” You can finally relax a bit and get ready for your retirement! :)” She sighed and replied with a subdued, sad voice, ” You don’t understand Helmi. My CPF OA and SA combined...

Read More

Top 5 Strategies To Save More Money In Singapore…

Strategy 1::  Eat Your Breakfast Every Morning Breakfast is the most important meal of the day. Research shows that if you skip your breakfast, you will tend to feel hungrier later and overeat during your lunch. When you overeat during your lunch, you will spent more money on food. Eat your breakfast every morning. …………………………………………………………………………………………………………………… …………………………………………………………………………………………………………………..   Strategy 2 :: Use Public Transportation In Singapore, we have arguably, the best transportation system in the world.(though some may disagree vehemently now) Take advantage of Singapore’s famous “BMW”, (Bus, MRT, Walk) ….and you’ll save more dollars. You save on your vehicle...

Read More

Real Life Examples, Why You Need A Financial Consultant In Singapore….

I was having a discussion with my colleagues, if there is demand for financial consultants, since consumers can just buy direct from insurance companies beginning next year. In my honest opinion, there will be still demand for personalised service for professional financial consultants in the near future. Let me give you a few real life examples, of why you will still need your financial consultant to plan, advice and service you. ……………………………………………………………………………………………………………………………………….. ………………………………………………………………………………………………………………………………………. 1) Tried To Claim Outpatient Hospital Bills Unsuccessfully I was referred to an engineer late last year. He was hospitalised. He understands that, he can claim pre and post hospital bills...

Read More

What I Learnt From My 7 Years Working As A Financial Consultant in Singapore…

Alhamdulillah… Time flies, and as of today, it has been 7 years, I work as a financial consultant for a cooperative insurer in Singapore. Yes. This blog is already 7 years old too. (I have been blogging since the first day, I started my career as a financial consultant) In these 7 years, it has been a fulfilling and rewarding career for me, as I meet people from all walks of life, winning their trust and helping them manage their personal finance. It is a personal satisfaction for me to grow together with my clients. First, we were strangers....

Read More

Financial Calculators That You Can Use For Your Financial Planning Needs

1) How much you must save to have enough for your retirement? Do I Have Enough Retirement Money? Make sure you have a big enough nest egg to retire! What is your current age? yrs At what age would you like to retire? yrs How long would you like your retirement money to last? yrs How much do you expect to need anually for retirement? $ How much do you have currently saved for retirement? $ How much will you deposit annually into your retirement account? $ What annual interest rate do you expect to earn on retirement investments?...

Read More

Uninsurable Medical Conditions For Basic Eldershield and Primeshield

In my previous post, I have shared more on how to enhance further your disability insurance coverage. Alhamdulillah, since then, I have been receiving emails from a lot of you  to enquire more on NTUC Income Primeshield plan. Nevertheless, I feel sad, that on a normal circumstances, if I meet 10 clients, who want to enhance their disability insurance coverage, I realised almost 4-5 of them already have pre-existing illnesses. Some are lucky, that, they are still accepted with a  loading (extra premium), but there are many too whose application got rejected. Thus, I come out with a list below, to share...

Read More

Financial Consultant Helmi Hakim is recruiting…

I am offering – my personal mentorship (you will be personally mentored and coached by me) – share my secrets, how I build the trust and establish myself as the financial consultant, helping over 500 families with their financial planning needs – build a career, promoting shariah compliant fund, and cooperative insurance, which emphasize noble principles like people before profits, transparency, honesty and trust – M5, M9, M9A, HI certifications fully sponsored – Attractive establishment fund to help you start in this business …...

Read More

Lapsed Your Insurance Policies? Reinstate it back!

In my years working as a financial consultant, I have met a number of prospects who have previously lapsed their insurance policies. It is a disadvantage to them if they lapsed their insurance policies, because typically the charges for life insurance policies in Singapore is on an upfront basis. If they lasped their policies for the first 2 years, for most insurance policies, they will not get any money back. Thus, I share with many of them, ways on how they can revive back their lapsed insurance policies. …………………………………………………………………………………………………………………… …………………………………………………………………………………………………………………… There are 3 situations where you can revive back the insurance plans. a)...

Read More

Special Term On Your Life Insurance Policies? Want To Ask For A Review?

A lot of my clients, when they signed up life insurance plan with me, they were not in their best of health. Inadvertently, what happened, is that, insurance company, add in an exclusion clause, reduces coverage or perhaps add loading (pay extra premium) on their insurance policies, and that is normal. Insurance companies need to manage their risk. Nevertheless, policyholders whose policies are imposed with Special Terms can ask for a review if their medical condition improves. ………………………………………………………………………………………………. ……………………………………………………………………………………………… Below are some important points to note: 1. Policy review can be done at anytime. 2. Submit Review of Special Terms form...

Read More

Layman Definition of 30 Critical Illness For Your Life Insurance Policy In Singapore

At times, when I plan for my clients on their critical illness coverage, they will ask me specific questions on the 30 critical illnesses. Its definition, the types of cover etc2, and I have to admit, I cant rattle it all off my mind. I safe keep this layman definitions in my ipad, and I think, it will be useful for public knowledge to have it in my blog. …………………………………………………………………………………………………………………………………. ………………………………………………………………………………………………………………………………… 1. Cancer Cancer is the general name for a large group of diseases. It occurs when cells in the body grow and divide out of control. These cancer or...

Read More

NTUC Income Chinese New Year Promotion…

For the past few months, I have been meeting my existing clients to help them do a financial review. Some planned with me specifically for their retirement. Some planned with me specifically for their child’s education. Some planned with me to increase their insurance coverage specifically for income protection, and many more, did a complete, and comprehensive financial planning review. I help my clients chart their short term and long term goals, devise a plan to achieve them, and strategically revise and review it every year. For those of you who are reading this blog and have been contemplating, to get life insurance, savings or...

Read More

Costs & Itinerary For Our Exotic Honeymoon To Morocco…

Alhamdulillah. Time is ticking fast, and in a few days time, I am a married man. I created a blog post on the costs of Malay wedding in Singapore last year, and it has garnered a lot of attention from fellow social media enthusiastics. Some lamented that my wedding costs are too high, and there are also many who argued that my figures are too conservative. Nevertheless, that is the exact wedding costs, on my side, after doing barrage of research/food tasting/interviews etc2. After settling other big commitments like buying our BTO HDB flat, booking our wedding venue (I can only book 150 days in...

Read More

NTUC Income Takaful, Best Performing Shariah Compliant Fund In Singapore….

Alhamdulillah… I am very pleased with the article in Berita Harian, dated 24th August 2013, on the stellar performance of NTUC Income Takaful fund, and what amazes me further is its performance as compared to other shariah compliant funds, making it the best performing shariah compliant fund in Singapore.   NTUC Income Takaful fund is a specialised fund that invests in the global equity markets via instruments that are shariah compliant. Its investment objective is to achieve long-term capital appreciation by investing in a diversified global portfolio of equity securities issued by companies considered to be in compliance with Islamic...

Read More

Like us on Facebook

Follow us on Twitter