Author: The Official Helmi Hakim Website

Financial Consultant, Helmi Hakim’s Diversification Strategy To Invest In Funds…

Past few days, there is a problem with my server, and my site was brought down….. headache I emailed the server technicians in US, and was told one of my old sites (I host a few websites with them), was unsafe, and because of that, they have to bring down all my sites, including http://www.helmihakim.com … Imagine the stress, that I have…. Smses from clients, emails from those who advertise their web on my sites started to stream in, asking me, what happened exactly. :/ This is when, I suddenly remembered, the famous theory of diversification. Thus, what I...

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Should You Take Housing Loan or Pay Your HDB House In Full If You Got The Money?

If you recently read my blog, I spoke of my aspirations to accumulate my money as soon as possible, so that when I get married in 4 years time, I can pay my 4 room HDB house, in full, IMMEDIATELY. (clearing the biggest loan, one can have in a lifetime) My rationale is that, when you start up a family, the 2 most important things that you need to have is YOUR house and sufficient life insurance coverage (MONEY) to leave for YOUR wife & children should you go to heaven. My rationale of getting “resale” HDB house because,...

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You Invest In Funds & Now Losing Money? What Should You Do?

In this turmoil, I met a number of people in roadshows saying that they have been “burnt” by their investments. Practically, they have lose money in shares, lose money in funds, lose money in forex, lose money in anywhere….practically all losing money in their INVESTMENTS. Well, I got 2 news, if you belong to the group who practically lose money in funds. I got good news, and I got bad news for you. Bad news? You already doomed yourself of losing money, if you SELL today. Yes….You realised your net loss by selling your units at a cheaper price...

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Savings’ Objectives If You Are In Your Early 20’s…

As you know, in my profession as a financial associate, I get to do financial planning for a lot of people. It is a special privilege for me, as directly or indirectly, I get to see EXPLICITLY on how the rich and the poor managed their finance. I realised, its not really how much you earned, that matters. Rather, it is how much you SAVED. One of the tools that enables me to see vividly, interpret the current financial standing of my clients, is the usage of cashflow statement. I feel sad that a lot of people out there,...

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What Is Assets Allocation All About?

By: Helmi Hakim It is COMMON in the finance world for us to hear these jargons like “assets allocation“, “rebalancing” etc2… In this post, I will like to share with you 2 COMMON approaches, financial planners use to allocate assets of our clients efficiently and effectively. 1) Strategic Assets Allocation Example: If my client get NTUC Income flexilink policy, and invest 60%  equities and 40%  bonds in his investment portfolio. Assuming that because of economic downturn, his equities allocation subsequently reduced to 50%. If I were to adopt the strategic assets allocation method, I will seek my client to...

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Investment That Can Give ROI of More Than 1000%

By: Helmi Hakim In my daily pursuit as a financial associate, I met a lot of people. People with different characters, different goals, different needs and different line of thinking. The beauty of it is that I get a lot of exposure and learning experience from meeting these people. Let me share with you an experience I have yesterday. Just for sharing purpose only ya…. I met with a couple whom I came to know from a roadshow. We talk about NTUC Income Ideal Plan. They specified their objective of savings as “to improve living standards”. I craft a...

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