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CLIENT'S BIODATA
- Mr. Ahmad
- 45 years old
- Married and have 3 children
- Own a mid-sized manufacturing company
- Businessman
FINANCIAL POSITION
Annual income: RM 400,000
Current Assets:
- Cash Savings: RM 500,000
- Real Estate Property: RM 1,000,000
- Business ownership: RM 2,500,000
- EPF account : RM 300,000
Liabilities :
- House Loan : RM 200,000
- Business loan : RM 500,000
Net Worth Income: RM 4,100,000
TIME HORIZON
5-10 years
FINANCIAL GOALS
1. Children's Education
- For his eldest child, requiring RM 200,000 in 2 years for university fees
- For his two younger childrens, requiring approximately RM 400,000 for university funding in 5-8 years
2. Retirements Planning
- Wants to retire at age 60 years old
- Need retirement fund generate income of RM 10,000 monthly after adjusted inflation rate over 20 years
3. Wealth Preservation and Growth
- In line with Shariah principle to ensure financial security
ALLOCATION ASSETS
Diversification: The portfolio allocates investments across fixed-income instruments (Sukuk), equities (stock), and real estate to reduce risk.
Risk Balance: The high allocation to sukuk provides stability, while stocks and REITs offer growth potential and income generation.
Islamic Compliance: The inclusion of sukuk and Shariah-compliant REITs ensures the portfolio adheres to ethical and religious investment principles.
Long-Term Focus: The maturity dates for sukuk and the stability of chosen stocks and REITs align with a long-term investment horizon.
INVESTMENT OBJECTIVE
Require funding for children education.
Serve a stable income when retired.
Preserve wealth in line of Shariah compliance.
RATIONALE OF SELECTED EQUITY AND SUKUK
SUKUK
SUKUK
Maybank IMTN 4.170% 31.01.2031
Maybank, being one of Malaysia's largest financial institutions, offers a strong credit rating and stability. Its IMTN (Islamic Medium Term Notes) provides consistent and predictable returns of 4.17%, making it a low-risk fixed-income investment. The 2031 maturity allows for long-term financial security while maintaining a conservative approach.
Toyota CAP IMTN 4.300% 26.02.2030
Toyota Capital Malaysia is a subsidiary of the globally renowned Toyota Group, which brings a solid reputation and financial stability. With a slightly higher return of 4.3%, this IMTN diversifies sukuk holdings while balancing risk and reward. The 2030 maturity is aligned with the portfolio's long-term investment strategy.
EQUITY
EQUITY
Petronas Chemical Group Berhad
Petronas Chemical Berhad is a subsidiary of Malaysia's leading oil and gas company, Petronas. It is a well-established company with strong fundamentals in the petrochemical industry, a sector that plays a significant role in Malaysia's economy. The stock offers potential capital appreciation and stable dividends, making it an ideal choice for growth within the portfolio,
CURRENT ECONOMIC PROSPECT
Malaysia's economy is expected to grow between 4.5% and 5.5% in January 2025, driven by strong domestic demand and increased foreign direct investment. Inflation remains under control, with rates expected to rise slightly to around 2.6% due to planned subsidy reforms.
The government's 2025 budget prioritizes fiscal consolidation, aiming to reduce the deficit to 3.8% of GDP through subsidy rationalization and tax reforms. Furthermore, Malaysia and Singapore have agreed to establish a special economic zone in Johor to attract global investment and strengthen economic cooperation.
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