Investing Tips

Excerpt from The Star 26th Feb 2009

Thursday February 26, 2009

How long should investors hold their stock investments?

OFTEN we hear some financial experts say we need to hold stocks long term, especially during the weak stock market situation like what we are experiencing currently.

Some gurus say the “buy and hold” strategy is the best investment strategy. However, some retail investors may argue that “buy and hold” is not suitable in Malaysia because if they pick the wrong stocks, some companies might even get delisted after a while.

The question of how long to hold has always been on the mind of investors when they purchase any stocks. Given the present weak economic and stock market conditions, some investors may lose patience as they do not know when the market will recover again.

In this article, we will look at the number of years that we need to hold our stock investments in Malaysia. We use the KL Composite Index average daily indices to compute the stock returns.

The following data was provided by Dynaquest Sdn Bhd. With its permission, we will provide the historical rolling annual compounded returns from 1970 to 2008.

The table shows the rolling historical annual compounded returns for holding the stocks for one, three, five, seven and 10 years.

It shows the average annual compounded returns and risks (measured by standard deviation) regardless of any starting or ending dates.

For example, the 25% returns in the second row and the second column of the table was the annual compounded returns of investing for one year from 1970 to 1971. The three-year returns of 56.7% was what you would’ve got if you started your investment in 1970 and ended in 1973.

If you started investing in 1970 and held it for five years (up to 1975), seven years (up to 1977) and 10 years (up to 1980), your annual compounded returns will be 16%, 14% and 21.8% respectively.

In terms of the overall average returns, except for one-year and three-year holding periods of 13.4% and 9.8% respectively, we notice that the annual compounded returns for five-year, seven-year and 10-year holding periods were almost the same, about 8% per annum.

However, the longer we hold our investment, the lower the risks that we face, which are measured by using standard deviations.

For example, if we hold our investment for one year, the standard deviation is 30.8%.

However, if we hold it a bit longer to three, five and seven years, the standard deviation will drop to 16.8%, 11.4% and 8.6% respectively.

For 10-year holding, the standard deviation is 6.6%. Based on two standard deviations, we are 95% confident that our returns will range from -5.1% (8.1% - 2 x 6.6%) to 21.3% (8.1% + 2 x 6.6%).

This is supported by the minimum returns of -2% and the maximum return of 23.6% for 10-year holding periods.

In conclusion, we need to hold stocks long term. We may not need to hold them up to 10 years.

However, we need to understand that we will face very high volatility on returns if we invest only for one year.

Besides, we need to make sure that we are buying good fundamental stocks in order to avoid poor quality stocks that are not suitable for long-term investment.

  • Ooi Kok Hwa is an investment adviser and managing partner of MRR Consulting. We welcome readers’ feedback. Please e-mail to

No 1 di hati

Excerpt from Business Times, Feb 23, 2009

Prudential's No. 1 in Malaysia life insurance mart

Business Times
Feb 23, 2009

PRUDENTIAL Assurance Malaysia Bhd saw its life insurance new business sales increase nine per cent for financial year 2008.

It posted some RM659 million in new business annual premium equivalent, which consists of regular premium sales plus one-tenth of single premium insurance sales.

New business sales for financial year 2007 were RM606 million.

The growth is for life insurance and takaful contributions generated for the same period.

Prudential said in a statement it has attained the top position in the Malaysia life insurance market.

"Despite challenging market conditions, Prudential has remained resilient by growing its market share to achieve No. 1 position," said Prudential Assurance chairman Tony Wilkey, also Prudential Corp Asia's chief executive.

The growth was attributed to Prudential Assurance's transformation efforts which included accelerating development of wealth planners and agency distribution and innovative product launches.

"We will continue our agenda into 2009 to expand our wealth planner team, enhance agency productivity, introduce appealing products, and to further enhance our customer service delivery," he said.

Education Plan

Excerpt from The Star 21st Feb 2009

Saving for your child’s future


Parents should consider various factors when choosing an education policy for children.

THE rising cost of education has made it compelling, if not daunting, for parents to start saving early to ensure their children’s education needs are well taken care of.

Indeed, there are many options in the market that assist parents with young children to keep an eye on their future needs in terms of education.

A recent projection on the cost of tertiary education and its tuition fees and living costs both locally and abroad is an eye opener.

A three-year study in a public university in Britain costs some RM280,000 while studying in a local private university (for foreign university degree courses) for the same period costs over RM70,000 including living expenses.

A good starting point for any savings plan is for parents to estimate how much they need to fork out for their child’s college or university fees 10, 15 or 20 years from now. That way, parents can determine how much needs to be set aside, says Prudential Assurance Malaysia Bhd chief marketing officer Thomas Wong.

“They need to ask themselves certain things – where do they intend to send their children? Local or overseas university? What field of study? For how long? These are important factors that will ultimately influence the expected cost of education,” he says.

However, more often than not, consumers tend not to carry out detailed objective setting right from the start. As a result, they stand the risk of saving less than what may be required, which somewhat defeats the purpose and still results in them scampering for loans at the last moment.

There are websites that host an education calculator tool to help provide an estimate of the future cost of tuition and the amount of savings needed to generate sufficient funds for the child’s tertiary education.

For example, the education calculator in Prudential’s website shows that a three-year study in Australia some 15 years down the road (not including living expenses), would cost about RM320,000, factoring in an education inflation rate of 4.9%.

On the other hand, a three-year study programme at a private college in Malaysia in 15 years’ time could cost only RM70,000, factoring in an education inflation rate of 3%.

Once the expected education costs have been determined, parents should then decide on an amount which they can afford to set aside on a regular basis. “As saving for child’s education fund is a long term commitment, it is therefore crucial for them to be realistic about the amount they could afford to set aside in the long run,” Wong says.

There are several savings tools available for parents to save for their children’s tertiary education. One option is to purchase a child education policy, which is a life insurance plan designed to provide your child with an amount of money when he or she is ready to go to a university or college.

Combining savings and protection elements in one plan, such policy not only helps you grow your child’s education fund, but also provides your child with the necessary insurance coverage – a unique feature not offered by an ordinary savings plan or other investment tools.

“What makes an education plan even more attractive is the ‘continuity’ it offers. Ordinary savings plan stops if something unfortunate happens to the parent who is paying for it. But with the education policy, the premiums can continue to be paid through the payor’s benefit if something unfortunate happens to the parent such as death, total permanent disability or diagnosis of a critical illness,” he says.

The payor’s benefit would ensure the child’s education fund is secured and continues to grow consistently and when the policy matures, the child would then have the financial means to further his or her studies.

One such example is Angela De Cruz, 44 who took a investment-linked policy with a medical card that includes hospitalisation benefits for her eight-year old daughter.

“It is important to ensure medical coverage as a substantial amount of our savings would be used in the event a child falls ill. Besides that, if anything unfortunate were to happen to me, my child would continue to be provided as well,” she says.

A flexible education plan is also one worth considering as it allows parents to maximise their funds and support the choices that suit one’s budget and needs as they change with the circumstances.

For parent’s looking for investment plans, CIMB Bank offers capital protected investment deposit that is long term, yet flexible for top-ups – a good fit for parents who want to invest and save for their children’s education.

CIMB Bank Bhd head of retail banking Peter England says this product encourages a savings-discipline in account holders, where they consistently set aside extra cash into the account, which offers potentially better returns than regular savings accounts and/or fixed deposits.

“From as little as RM50, customers can invest in a capital-protected instrument for tenures of 15, 20, 25 or 30 years that pays out a profit based on the highest value achieved during its tenure. Customers would also have full flexibility to withdraw and invest at any time at prevailing market values,” he says.

England added that besides education loans of up to RM500,000, parents could opt to exercise overdraft (OD) facility on a pledged-fixed deposit (FD) by CIMB.

“With this, parents do not need to uplift the interest bearing FD while enjoying attractive OD rates,” England says.

Besides banking and insurance products, parents could also choose to save in the National Education Savings Scheme (SSPN) account offered by the National Higher Education Corporation (PTPTN).

The SSPN account provides a number of benefits to depositors including eligibility to apply for PTPTN loans with minimum savings of RM20 in their SSPN accounts, tax relief on savings of up to RM3,000 a year, free insurance coverage of up to RM50,000 for depositors who have a minimum deposit of RM1,000, dividends and tax exemption on dividends.

Jom Buat Life Insurance

Excerpt from The Star 17th Feb, 2009

Tuesday February 17, 2009

Motor insurance discount plan


Cheaper to renew directly if premiums are raised

PETALING JAYA: Policyholders will be able to buy or renew their motor insurance policies directly with insurance companies at a discount if the proposal by insurance companies to raise motor premiums is approved, according to industry sources.

It is learnt that Bank Negara is in discussion with motor insurance players and has requested them to provide discounts if it decides to approve a hike in motor insurance premiums as requested by the industry due to rising motor insurance claims.

A 30-year veteran of the insurance industry told StarBiz the move would allow policyholders an option to either walk in and buy directly over the counter at a discount from insurers or they could buy through their agents, whereby they would have to pay a 10% commission.

Subject to approval from the central bank, the rate of discount being studied at the moment is 5% in the first year and 10% in the second year and thereafter, in addition to benefits like the no claims bonus (NCB), according to the source.

The first year discount is limited to new motor policies and the subsequent ones are for renewals, he added.

The General Insurance Association of Malaysia (PIAM) has declined to comment on the matter.

Insurers had been persistently asking Bank Negara to raise motor premiums since the last one took effect in 1978, citing higher motor claims, surging vehicle thefts and the rising cost of automotive repairs.

Federation of Malaysian Consumer Association secretary-general and chief executive Muhammad Sha’ani Abdullah said the move to allow consumers to buy motor policies over the counter was laudable as it would eliminate abuses by agents.

“Many people buying or renewing motor or non-motor policies are forced by their agents to buy other general insurance products which are unrelated. “This is something which we view as an abuse by agents and (it is) forced selling.

“We support this proposal as it will benefit consumers and check the growing abuses by agents,’’ Muhammad Sha’ani said.

But the industry source said the move to allow customers to buy motor insurance policies directly at a discount from insurance companies would affect the income of agents and their staff.

“There are about 40,000 general insurance agents in the country, of which 15,000 are full-time agents.

“On average, each agent or agency employs between three and 30 people.

“By allowing customers to buy or renew motor policies at a discount, it will erode the income of more than 50,000 employees of insurance agents, which will cause them to be unemployed,” he said.

An agent who declined to be named said agents helped in the penetration of insurance in remote and rural areas where there were limited insurance branches.

“Apart from selling insurance, we also provide claims management and monitoring of claims on behalf of customers.

“Unless the central bank has specific plans to redeploy the unemployed staff, it is going to worsen the current economic situation,” he said.

Some of the leading motor insurance insurers in the country are Kurnia Insurans (with a market share of more than 20%), AmAssurance, Allianz Malaysia Bhd and Tokio Marine.

Allianz General Insurance Company (M) Bhd chief executive Ng Hang Ming said in an e-mail reply that his company had “not received any directive to revise motor premiums upwards.”

“To date, we have not received any directive on this issue of rebate to direct customers. In respect of commission to agents, it still remains unchanged at 10%,’’ Ng said.

Retirement Planning


Getting started
Good planning involves knowing what you want and then getting access to the most reliable information to help you get it. Before you can make any plans, you need to know where you are in life and where you are headed. That means reviewing your finances so you know exactly where you stand financially.

Know your retirement goals
More than investing and saving, retirement planning is about enjoying life after you decide to stop working. What will you do with your time? Where will you live? How will your family fit into your plans? The possibilities are endless - you may want to travel, engage in a hobby, volunteer, or even start a second or third career. It is important to develop a healthy lifestyle as well, so that you may enjoy the fruits of all your planning.

Things to be aware of
Investing in a retirement plan doesn't necessarily mean you will be financially secure when you retire. Here are some tips you may not be aware of when planning your retirement:
Start early. The best time to start a retirement plan is now. Avoid withdrawing money from your retirement plan Actively monitor your investments. Don't rely on your spouse's retirement plan. Don't forget to review your plan regularly. Practice good asset allocation. Check on your financial advisor. Make your retirement plan a serious priority.

It's important to get started investing for your retirement if you haven't already. No matter what your age is, now is the best time. Let us show you how much waiting can cost you:

The Cost of Waiting
Monthly investment needed to build an RM500,000 nest egg by age 65

Assuming 8% annual rate of return, with all distributions reinvested. As you can see, your ability to reach your retirement goal will be affected the longer you delay investing. Time works for you, because one of the biggest factors affecting the growth of your retirement nest egg is compounding. The longer the period, the greater the benefits of compounding tend to be.

To gauge your progress in retirement planning, use this checklist to see if you have considered these important issues!

Where do you want to live?
Many desire a smaller home with fewer chores, or move to a place where the pace of life is slower.

What will you fill your time with?
Depending on your personal preferences, you may choose lead an active or leisurely lifestyle. Are there any hobbies you plan to take up? Are there any plans to visit your grandchildren more often?

Would you like to work again?
Some choose to work part-time or embark on their own businesses when they retire.

What are your income needs?
Estimate your annual expenses, allowing for the rising cost of medical care, living, and taxes. Consider also big purchases such as a new car, or house downpayments for your children.

Do you know how much you can withdraw from your nest egg?
It is prudent to seek professional advice if you are not sure.

Have you re-evaluated your asset allocation?
Take a look at your portfolio's risk, and ensure a portfolio that is diversified.

Have you investigated long-term care insurance?
Consider purchasing these before you retire, especially medical and health insurance if your employer does not provide any retiree benefits. Start early as premiums will increase the longer you wait.

Will you receive employer-provided benefits?
Check with your company retiree benefits; these may affect the retirement date you select.

Is your estate plan updated?
Prepare or update your will and other documents.

Looking Ahead

Looking ahead


Excerpt from The Star, Dec 22, 2008

Having a retirement plan helps you work towards a goal, especially when you have the children’s education to consider.

ASK any parent and they will tell you that having children changes everything.

There are the added expenditure, chores, responsibilities and sacrifices that have to be made.

Harminder and Balvinder foresee a leisurely life after retirement.

“It certainly wasn’t what we expected,” chuckles Karin Lim, 41. “We were not consciously maintaining a budget before we started having kids, but now we are.”

Lim, a lawyer, and her public relations consultant husband, Kelvin Boey, suddenly found themselves saddled with a monthly expenditure of some RM10,000 – about half their household income – since having Ethan, five, and Zachary, three.

This includes paying for utilities, groceries, loans, marketing, the maid and other necessities for the children. The rest of the household income goes to savings (about 20% of their earnings) and holidays for the family which is about three times a year, mostly within the Asia Pacific region.

“This year alone, about RM25,000 was spent on holidays,” quips Boey, 42.

Lim takes charge of the number-crunching, while Boey, who works from home, gets to play house-dad, buying the groceries, taking care of the boys and ferrying them around.

Kelvin Boey and Karin Lim have started saving for their boys’ education.

At a glance, it would seem that the family still manages to keep a tidy surplus.

But factor in expenses for the children’s education, and it is obvious that planning is still needed to ensure that the couple will be able to enjoy a decent retirement.

For the moment, the priority of the couple’s main savings pool, as well as Boey’s inheritance, will go towards the children’s education. The couple have also invested in education policies and insurance for both their sons.

“Having kids has substantially affected our financial planning. For both boys’ education, we have projected some RM3mil, and this is if we factor in private secondary school education and overseas tertiary education. But the amount may not be sufficient,” says Lim.

Like Boey and Lim, having Armaan, four, and Amanvir, two, changed life for Harminder Gill and his wife, Balvinder, who pool together a very comfortable household income.

Mohd Khairi Ibrahim and Fara Lucia Razali can expect expenditure to go up once they move into their new home.

With mortgage payments, loans, utilities, the daily commute between their home in Seremban and office in Kuala Lumpur and the usual necessities, monthly expenditure comes up to about RM12,000.

“The biggest expense right now are toys for the kids,” jokes Balvinder, 33, a bank officer.

Again, the main consideration for this family is the children’s education. “It will increase expenditure for sure. Yes, having children affects our financial and retirement planning. We believe that getting professional advice is beneficial in managing our finances,” says Harminder, 37, a general manager with a radio network company.

While the future of the children is the prime concern, both couples have also begun looking into planning for their retirement.

“We want to live life at a leisurely pace, be able to spend time together pottering around the garden,” says Harminder. For Boey, travelling and more family time is something he looks forward to.

Like Harminder, Lim foresees retirement at age 55, though both would consider working past 55.

Recently, Boey and Lim worked out how much they needed for their retirement using the Prudential retirement calculator.

“We need about RM4,144,515. And this does not include our children’s education, barring any mishaps with our investments,” says Lim, who agrees that the figure, while daunting, is achievable with proper planning.

For Harminder, paying off the mortgages first and putting away savings is important for a comfortable retirement.

“I have done the calculation myself, and I believe it would come up to the same number (as Boey and Lim) if I combine my income with my wife’s,” he says.

“Ultimately, your retirement depends on what kind of lifestyle you want. As long as mortgages are paid up and there are enough funds left over for daily use, it’s fine.”

While both couples have not started actively working out savings for their retirement, they have already begun putting their plans into motion.

Both have diversified in terms of savings by investing in property, buying unit trusts, shares and insurance.

Meanwhile, Mohd Khairi Ibrahim and his wife Fara Lucia Razali – both 28 – are in a fledgling stage where retirement plans are concerned.

They have a joint monthly household income of about RM7,000. Expenditure is low – about RM4, 500 – as they are currently living with Fara’s parents.

They have two children, Qawien Anaqi, nine, and Iman Qaisara, six, whom they see only on weekends. But things will soon change once their own house is ready.

“When our house is ready, we will bring our kids to live with us. Of course, by then we expect our monthly expenses to go up by RM1,500 or more,” says Khairi, a buyer at a media agency.

Having children has made things a little tougher for the young couple; they are putting the children’s education before their own retirement.

“Hopefully I will be able to retire about the same time as my husband, at 50 or earlier, and after that go for our haj or umrah,” says Fara, manager of a coffee outlet chain.

Khairi has also entertained thoughts of opening a small business to occupy his time once he retires.

“We will start planning for our retirement when we hit 30. Right now, our children’s education and health are our priorities. We don’t have many commitments, so our insurance policy will be dedicated to our children’s education; monthly savings is a separate matter,” says Khairi.

The couple project a budget of RM50,000 per child once both children reach 18.

Khairi and Fara have yet to calculate the amount they need to retire comfortably, but like the other two couples, acknowledge the importance of consulting professionals in managing their finances.

CEO Outlook

Need to regain confidence

Excerpt from The Star (Jan 21, 2009)

WHAT are some of the challenges or areas of concern for the insurance industry?

Malaysia’s insurance industry will be in for a challenging time in 2009 given the lack of consumer confidence following the recent AIG bailout. Unfortunately, most consumers think that one insurance company is the same as the other. This, in my opinion, is one of the challenges the industry is facing at the moment.

However, I believe as consumers begin to understand that all local insurers are strictly regulated and subject to very strict solvency requirements by Bank Negara, the situation will improve gradually. I think it will take at least three to six more months for consumers to have confidence again.

Bill Lisle

With the current economic slowdown, what are the prospects of this sector this year?

Basically, our industry is recession-proof and I am optimistic with the outlook, simply because insurance remains an important protection and savings tool regardless of the market environment. In difficult times like now, we need insurance all the more to provide protection and a safety net. I think many Malaysians understand that and they tend to think twice before cancelling their policies for fear of losing their basic life protection and medical insurance.

At Prudential, we have not seen any drastic increase in the cancellation rate for the last three months. We are still the same before the global financial crisis started and the new take-up rate is still going strong.

Furthermore, with only about 40% of the population insured (as at 2007), the market certainly has plenty of room for growth. There are opportunities for insurance players to continue to introduce new products.

Is the company on track to achieve the risk-based capital (RBC) framework scheduled to be implemented in January this year?

Yes, we are. We have successfully switched over to the RBC on Jan 1, 2009 and we are now managing the business within the requirements of the RBC framework. We have always adopted a risk-based approach to our business and we have a very healthy capital position which is above Bank Negara’s minimum requirement.

What are some of the strategic measures the company is adopting to strengthen its foothold in the sector?

The transformation strategy which we have put in place since April 2008 has been a key driving force behind the company’s strong growth momentum. Our new business sales (including takaful sales) grew by 13% in the first half of the year.

We recorded a 33% improvement in the third quarter and for the first nine months ended Sept 30, we registered a strong double-digit growth of 20%.

For 2009, we will focus on a number of key areas such as strengthening Prudential’s brand promise (“The Face You Can Trust”), transforming our agency force to wealth planners who will have the ability to distribute multiple products, and enhancing agents’ productivity.

We are also looking at continuing our leadership in the market by introducing innovative products.

Our current range of protection, investment/savings, retirement and health products will be strengthened to provide innovative, relevant and effective financial solutions that meet our customers’ needs.

I am confident that with the transformation strategy now in full swing, supported by a preferred and trusted brand acceptance as well as a strong talent pool, Prudential will be able to get through the economic challenges in 2009 and emerge stronger.

Is the company on track to achieve its expansion plans and make relevant investments amid the slowing economy?

Yes, we are. Prudential Malaysia is a key contributor to the Prudential Group’s vision to be the leading retail financial services provider in Asia.

And our strong fundamentals in marketing, distribution and customer service will continue to put us in good stead to realise this role. While we lead the industry in the agency distribution channel, where our agents are the most productive, we have also put in place key initiatives to drive our expansion plans through alternative channels.

Do you foresee more mergers and acquisitions in the industry in view of the RBC?

I do not discount the possibility of M&A activities, although I think strategic alliances will more likely take place given the complexity of the business that we are in.

As for Prudential, we are coming from a position of strength where we have a robust capital position. Whenever an opportunity for M&A arises, we owe it to our shareholders to review it on a case-by-case basis, and make sure it adds value for the company as well as our shareholders.


Answer those simple questions shown in above pic.
Then ask yourself...

Are you in FULL control of your financial health???

1st Teambuilding

Dusun Eco Resort menjadi pilihan Khalifah Group.

Jutaan terima kasih kepada AJK yang terdiri daripada :




Pok Su

Usain Bolt (Husaini)



Well Done !!!

Tahniah diucapkan kepada semua ahli Khalifah atas kejayaan teambuilding pada kali ini.

Antara program yg telah dijalankan ialah :

1. 2008 performance review.
2. Agency Planning Workshop.
3. Bacaan Yaasin dan Solat hajat
4. Kutipan Derma utk Palestin
5. Team building game.
6. Flying fox
7. Merentas Halangan
8. BBQ Party with persersembahan berkumpulan
9. Acara renang perseorangan dan berpasukan
10. Launching of Khalifah League

Dengan aktiviti yang telah dijalankan ini, hubungan ahli khalifah menjadi erat antara satu sama lain...mereka telah mendapat gambaran yang lebih jelas tentang kepentingan TEAMWORK dan telah belajar bagaimana Matlamat boleh dicapai melalui langkah pertama iaitu "the power of GOAL SETTING".
Diharapkan agar semua ahli akan lebih bersemangat lagi pada tahun 2009...dan lebih ramai ahli yang akan memberikan komitmen yang tinggi untuk teambuilding yang akan datang.
See you at next TEAM Building in July 09.

Leadership Management Team (LMT)

As at Feb 09 Khalifah Group has two person qualified as LMT manager

also known as BOB

Graduated in Chemical Engineering from UTM, joined insurance industry since 2004. He portrayed a high self discipline and demonstrated high personal achievement. He is a qualified "Prudential Star Club" and being a good example to others. His motto "Back to BASIC and Stay Focus" makes him always stay on track to achieve his goals. His role in Khalifah Group is to maintain the high discipline and attitudes of the members.


Graduated from University Malaya in Human Development (Usuluddin dan Dakwah). He joined insurance industry in 2006 after his graduation and being our youngest Wealth Planner to achieved Prudential BSN Takaful Umrah Trip in 2007. He possess good spiritual and has a positive attitude towards achieving his goals. He has high knowledge in religious and Takaful business and always stresses on "Dakwah" in his presentation. His Role in Khalifah Group is Spiritual Advisor (Ustaz).


Khalifah Group Directors are :

1. Tuan Haji Mohd Zakaria Idris also known as Zack

Graduated from UiTM, joined insurance industry in year 1999 with Prudential Assurance (M) Bhd. He achieved great success by qualifying international recognition, Million Dollar Round Table, Prudential Star Club, Pru Centurion and currently as Unit Manager (Executive Wealth Manager).

He is really motivated and has high energy in everything he do. Being a brother in the group, he possess positive attitude and a role model to our young recruits.

2. Eimir Azli Md Noh also known as Eimir.

Graduated in Bachelor of Science in Business (major in Finance) from Oklahoma City University (OCU), USA.

He joined insurance industry in 2003 through Bumiputera Direct Recruit Programme (BDRP), the first financing scheme (now known as AFS) introduced by Prudential. He has a tremendous achievement by being the first Unit Manager from BDRP and currently hold high responsibility in "Branding" and PR for Khalifah Group. By having a good relationship with other agencies in Prudential, he managed to promote Khalifah Group to the next level.

3. Kamaruddin Najri also known as Bain.

Graduated in Chemical Engineering from Ube National College of Technology, Japan.

He joined insurance industry in year 2000 after being a Chemist. Having a good track record in self discipline, he managed to achieve Prudential Star Club, Pru Centurion and currently as an Agency Manager (Senior Executive Wealth Manager). Well known in Prudential as "Japanese Boy" and hold responsibilty in managing Khalifah Group Vision and Mission. He has a very high self esteem and leadership to bring Khalifah Group to their Goals. He also graduated in AMTC, and a NLP Practitioner.

Khalifah Group "My Daily Commitment"

As of today, I will begin a new life. Today I will throw off my old skin that has too long, suffered the pain of the bruises of failure, and the wounds of mediocrity.
Today my old skin has gone to the dust. I will walk tall and proud among men and they will not know me because today I am a new man, with a new life.
I was not delivered into this world in defeat, nor was failure made part of my life. I am not a sheep just waiting to be prodded by the shepherd. The slaughterhouse of failures is not my destiny.
So long as I live, I will strive, and strive and strive again. Each obstacle I will consider it as a mere detour to my goal and a challenge to my profession. I will persist and develop my skill by learning to ride out the wrath of each storm.
So long as there is breath in me, that long will I persist


Tahniah atas penubuhan Khalifah Group

Congratulation to all Khalifah members for make things happen. Khalifah group was officially formed on 20th Jan 2009 with a registered name KHALIFAH WEALTH PLANNERS SDN BHD with R.O.B

Initiated by 3 directors, by sharing the strenght within, we set a big goal and will achieve it through leadership.

Khalifah group tag line " ACHIEVING THROUGH LEADERSHIP" carry a meaningful spirit and relationship between each members.

As one of the Million Dollar Agency in Prudential Assurance (M) Bhd, we are doing a very meaningful business by securing our customer future, create an instant estate to their family and bring back the smiles of disasterous family to continue life.

"The vision that we glofy in our mind,
the ideal that we enthrone in our heart,
this we will build by our life, and this we will become"