2. THE SAVING HABIT Towards achieving financial goals
Make your saving automatic
Save at least 10 – 30%
Transfer into a fixed deposit or some other account that can earn more returns 2

3. How to save? Income – bills – expenses = saving
Income – saving = bills + expenses 3

4. When to start? 4

5. Potential Returns 10%-20% 6%-12% 3%-7% Conservative Medium Aggressive
Shares
10%-20%
Commodity
Options/
Warrant
Listed Shares
6%-12%
Properties
Unit Trust
Bon
3%-7%
Cash/Fixed Deposits
Conservative
Medium
Aggressive

6. BEWARE OF FINANCIAL SCAMS
Promise high return with little or no risk
The offer is for limited period and asked you to sign up immediately
Scheme is in another country (cannot check on its status)
Asked to provide confidential information,
e.g. bank account number
Asked to deposit money to meet the processing and administrative fees 6

7. Tips on how to avoid getting involved in financial scams
Stay away from opportunities that sound too good to be true
Avoid any company that predicts or guarantees large profits
Be sure to get the company’s performance track record
Be wary of remitting cash on the Internet or by mail
Ask questions and do not commit immediately
Browse websites of BNM and SC for clarification

8. For Further Information:
Consumer Information
Financial Consumer Alert
Licensed Intermediaries
Sunshine Empire Sdn. Bhd. Pleads Guilty to Illegal Deposit Taking
Sunshine Empire Sdn. Bhd., charged under section 25(1) of the Banking and Financial Institutions Act 1989, pleaded guilty to accepting deposits from depositors without a valid licence under section 6(4) of the same Act, at the Kuala Lumpur Sessions Court on 3 June 2010.
The Gold Label Sdn Bhd under suspicion of conducting illegal deposit taking and money laundering activities in breach of subsection 25(1) Banking and Financial Institutions Act 1989 (BAFIA) and subsection 4(1) of Anti-Money Laundering and Anti-Terrorism Financing Act 2001 (AMLATFA) respectively.
Kuala Lumpur, 15 April 2010
Swisscash: Court approves criteria for restitution The Securities Commission Malaysia (SC) has obtained the High Court's approval on the eligibility criteria for the restitution of Swisscash investors. The order, which was made by Justice Dato' Abdul Aziz bin Abdul Rahim at the Kuala Lumpur High Court, allows the Administrator of the Swisscash investment scam to effect payment to eligible investors from a pool of funds amounting to RM32.7 million.
The pool of funds is made available following a settlement entered into with two defendants in the Swisscash investment scam , Albert Lee Kee Sien and Amir Hassan, on 6 November 2009.
PricewaterhouseCoopers Advisory Services Sdn Bhd, the Administrator appointed by the SC to manage the restitution process, had in January this year published an advertisement calling for claims to be submitted.
BNM
SC /
KPDNKK

9. In A Nutshell Invest NOW! to spread your risks Be very careful of
In order to build wealth
Invest NOW!
Increase your assets
to increase your net worth
Diversify your
investments
to spread your risks
Be very careful of
get-rich-quick
schemes
BEWARE!