JANGAN MEMANDANG RENDAH KEPADA RM1 ANDA...

Apa nilai pada RM1 sekarang?ibarat RM 10 sen tahun 90-an. Gula sekilo pun tak lepas kan.kuih 3 bijik pun  tak lepas dah, sebab sebijik now 40 sen (3 bijik = RM1.20). Saya ingin kongsikan dengan pembaca, apa kita boleh buat dgn RM1 yg kecil nilainya di mata anda hari ini, tetapi mampu menjadi sangat besar nilainya dengan skim simpanan Great Eastern.

Menurut satu kajian yang dijalankan di MALAYSIA. 95% rakyat mengamalkan tabiat:

"dapat gaji---belanja---settlekan komitmen(insuran kete/rumah/installmen/loansss) ---BARU SIMPAN"

hanya 5% rakyat melakukan tabiat ini
"dapat gaji--SIMPAN DULU--Settlekan bayaran rumah/kereta/insurans dll---baru belanja

seikhlas hati tanya diri anda, anda jatuh kategori mana?"tepuk dada tanya diri. ingat!!anda mungkin mampu menipu saya@org lain..tapi anda gagal menipu diri anda sendiri"

anda tak perlu malu sangat..sebab ramai yang jatuh sekategori anda.semestinya majoriti (95% ini).Apa akan berlaku pada masa depan anda??

Bukti lebih banyak "withdrawal" vs "masuk"

di akhir bulan...apa yang tinggal?akaun kita menjadi tempat persinggahan sementara sebelum keluar semula dan menunggu utk kemasukkan gaji lagi bulan depan.

 

 

Jom kita lihat apa yang akan ada pada 5% tabiat rakyat malaysia ini?

Sekurang-kurangnya ini.......masih berbaki $$$.Tidakkah ini lebih indah??

emm......"The future depends on what we do in the present"

 

Menyimpanlah dengan RM1 sehari dengan akaun simpanan terbaik di Great Eastern......apa bezanya menyimpan di bank@ASB@Tabung haji??

1- Simpanan secara tetap setiap hari...

2- Setiap tahun dapat dividen tinggi

3- GERENTI (ini yg tak ada di tempat2 lain)...jika anda mula menyimpan ari ini, esoknya anda jatuh sakit kritikal@kemalangan menyebabkan anda mendapat kecacatan yg kekal...simpan RM1 anda akan dicarum daripada GREAT EASTERN "waiver" after 25 tahun lebih kurang > < ada RM15,000 dalam akaun itu PASTI....

 

RM1 = RM15,000

 

apa akan jadi kalau anda mampu lebih RM2/sehari atau RM3/sehari atau RM5/sehari...

Berminat:hubungi  Hasbah sekarang: 012-6260742(whats app/viber/face book)

Bagaimana nak kurangkan bayaran income tax RM3000 setahun.

Great Eastern rolls out the Great Retirement Plan

By Rupinder Singh

Published: 2012/11/20

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FIRST-OF-ITS KIND: It was is designed to meet required criteria of a deferred annuity plan to qualify for new tax relief of RM3,000 GREAT Eastern Life Assurance (Malaysia) Bhd launched a first-of-its-kind retirement plan with guaranteed yearly income for 10 or 15 years, depending on their choice of retirement age of 55 or 60.

Director and chief executive officer Datuk Koh Yaw Hui said the Great Retirement Plan launched last Friday is intended to help policyholders supplement their retirement funds.

"Most people do not have sufficient funds at retirement but one should enjoy their golden years, spend quality time with their loved ones and live their dreams after working hard for all their life," he said.

Great Retirement Plan is designed to meet the required criteria of a deferred annuity plan, to qualify for the new tax relief of RM3,000 announced in the 2012 Budget.
The tax relief was provided by the government to help the Malaysian public start a supplementary retirement fund.

The insurer said the launch is timely as it allows the tax-paying public to immediately enjoy the tax relief before the close of the year 2012.

Annuity products are fairly new in the Malaysian market unlike the more readily available life insurance products.

While the life insurance products have core benefits focussed on death benefits, annuity products are the complete opposite, with its benefits focusing purely on survival benefits.

"We are looking to launch more variations of annuity products, in support of Bank Negara Malaysia's Financial Sector Blueprint, to promote the pension market as the third pillar of retirement funding," Koh said.

The insurer's first product was designed to be fully guaranteed in view of the novelty of annuity product in Malaysia.

"We believe a lot of educational awareness will be required to help the general public understand the concept of annuity and the importance of the emphasis on survival benefits in retirement planning," said Koh.

"To this end, our fully guaranteed plan will help accelerate the educational process as there is no variable or uncertainty that will complicate the public acceptance," he added.

Great Eastern assured its policyholders that their retirement income will not be affected, regardless of market conditions at the time of their retirement.

The total guaranteed benefits are dependent on the age at entry and the period of accumulation, Koh said.

"As a simple example, a 35-year-old employee who contributes RM3,000 for 10 years is fully guaranteed to enjoy a total benefit of RM65,475 after the retirement age of 55, paid in equal annual income over 15 years. That is more than double the total capital outlay of RM30,000."

"Additionally, if your tax bracket is in the 19 per cent range, one can enjoy an annual tax savings of RM570 for the next 10 years which total up to RM5,700. Of course, the higher is your tax bracket, the higher is your savings," Koh further elaborated.

It is learnt that Great Eastern managed to secure a limited tranche of asset to support the guarantee and therefore the plan is only available for a limited period and on a first come first serve basis.

"Future availability is dependable on whether we can secure the necessary assets to back up the guarantee," Koh said.

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Read more: Great Eastern rolls out the Great Retirement Plan http://www.btimes.com.my/Current_News/BTIMES/articles/g8eastern/Article/#ixzz2HmSoNjJK

GREAT EASTERN TAKAFUL SHARIAH COMITEE

Shariah Committee....jangan meragui dana takaful Great Eastern...

 

Great Eastern Takaful Sdn Bhd (GETSB) is consulted by six Shariah scholars who specialises in various fields of comtemporary Islamic knowledge.

Profile of Great Eastern Takaful Sdn Bhd (GETSB) Shariah Committee (SC) Memmbers.

Dr. Ahmad Basri Ibrahim Asst. Prof. Dr. Ahmad Basri was appointed as Shariah Committee of Great Eastern Takaful Sdn Bhd in November 2010 and later as a Shariah Committee chairman in December 2011. He holds a Ph.D in Islamic Law from University of Birmingham, UK. He also holds a Master of Islamic Revealed Knowledge and Heritage (IRKH) and Bachelor in Islamic Jurisprudence and Legislation from University of Jordan, Amman, Jordan. He has vast experience in teaching Introduction to Usul al-Fiqh, introduction to al-Fiqh, Fiqh al-Jinayat (Islamic Criminal Law), Fiqh al-Ibadat and Islamic Political System and International Relations. Apart from teaching at his department, he teaches Usul al-Fiqh to the IIUM’s academic staff for the program of Diploma of Islamic Revealed Knowledge (DIRK). He also gives lectures on Islamic Institutions and Introduction to Fiqh at Singapore for the program of Diploma in Islamic Studies (Singapore). He also used to be a Guest Lecturer at the Department of Urban and Regional Planning, Kulliyyah of Architecture and Environmental Design, IIUM. His research areas of interest are Fiqh al-Muamalat (Islamic Law of Transactions), Islamic criminal law, ‘al-Siyasah al-Shariyyah’, Usul al-fiqh and Islamic legal maxims. Asst. Prof Dr. Ahmad Basri also currently serves as a Shariah Committee chairman of OSK Investment Bank Berhad.

Dr. Akhtarzaite Abdul Aziz Asst. Prof Dr. Akhtarzaite Abdul Aziz was appointed as Shariah Committee of Great Eastern Takaful Sdn Bhd in November 2010. She also serves as Shariah Committee for RHB Islamic Bank Berhad. She was educated at International Islamic University Malaysia (IIUM), Kuala Lumpur where she obtained her LLB (1994) and LLBs (Shariah) (1995), subsequently, his Master and Ph.D in Fiqh and Usul Fiqh at the same university, (2000 & 2005). Asst. Prof. Dr. Akhtarzaite was a Shariah Committee member of EONCAP Islamic Bank Berhad (2005-2011), Working Committee of IIUM Institute of Islamic Banking and Finance (IIiBF), Module Writer for Islamic Capital Market Graduate Training Scheme (ICMGTS), Securities Commission Malaysia, Shariah Committee Member of Great Eastern Takaful, Committee Member (Treasurer) - Association of Shariah Advisors in Islamic Finance (ASAS), Moderator for IBFIM Fundamental Certificate in Islamic Banking and Finance. She has written various books and articles on Islamic Banking, Principles of Islamic Jurisprudence (Usul al-Fiqh), Islamic Legal Maxims, and presented several papers in forums and seminars. She also has supervised Ph.D and Master Students in Islamic Banking as well as Usul Fiqh thesis. She is currently serving as Assistant Professor at Department of Fiqh and Usul Al-Fiqh, Kulliyyah of Islamic Revealed Knowledge, IIUM.

Dr. Mohamad Sabri Zakaria Asst. Prof Dr. Mohd. Sabri Zakaria is an Assistant Professor at the Department Fiqh & Usul Fiqh, Kulliyyah of Islamic Revealed Knowledge & Human Sciences, International Islamic University Malaysia. He was appointed as a Shariah Committee for Great Eastern Takaful Sdn Bhd. In November 2010. He received his first degree in Shariah from University of Al-Azhar. He then successfully completed his Master Degree in Islamic Economic from Yarmouk University, Jordan and obtained his PhD. in Fiqh & Usul Fiqh from the International Islamic University Malaysia. He teaches several subjects such as Islamic Jurisprudence, Contemporary Fiqh Issues, Islamic Law of Transaction and Islamic Finance. In July 2010, he was appointed as a Member of Board Directors, Institute of Islamic Banking & Finance (IIBF), International Islamic University Malaysia. He is the academic advisor to Al-Madinah International University (MEDIU) and a member of Malaysian Qualification Agency (MQA). He is also served as a Shariah Committee for EXIM Bank.

Dr. Mahamad Arifin Assoc. Prof. Dr. Mahamad has been in service as a Shariah Committee member of Great Eastern Takaful Sdn Bhd since 1 July 2011. After completing his first degree in Shariah from Universiti Kebangsaan Malaysia (UKM), he pursued his Ph.D in Islamic jurisprudence in Scotland. He has been lecturing at Faculty of Laws of International Islamic University Malaysia (IIUM) which is later known as IIUM Ahmad Ibrahim Kulliyyah of Laws (AIKOL) since 1984 until present. He was the previous Deputy Dean (Academic Affairs) of the said Faculty or Kulliyyah for 4 years. Assoc. Prof. Dr. Mahamad has vast experience in advising various Islamic institutions for the past 8 years. He also specializes in Islamic family matters, Islamic law of transactions, Islamic administrative law and Islamic jurisprudence. He also currently serves as a Shariah Committee member of OCBC Bank (M) Berhad and later OCBC Al-Amin Bank Berhad since 1 April 2005.

Dr. Siti Salwani Razali Assoc. Prof Dr. Siti Salwani has been in service as a Shariah Committee member of Great Eastern Takaful Sdn Bhd since 1 July 2011. She holds Ph.D in Business Law at Universiti Putra Malaysia. She also holds Master of Comparative Laws (MCL) and Bachelor of Laws (LLB) from International Islamic University Malaysia. Currently she is a lecturer at the Department of Business Administration at Kulliyah Economics and Management Sciences International Islamic University Malaysia since 2001. Her research areas of interest are Islamic banking & finance, Shariah law, business & commercial law, Islamic transaction and Islamic contract law. In 2010, she was awarded with Best Paper Award for the conference paper entitled Critical Comparison on Investment in Takaful Funds in Family Takaful; A case Study of PT Asuransi Takaful Keluarga and Takaful Ikhlas Sdn.Bhd. at International Conference on Islamic Banking and Finance Conference IBAF which held at USIM, Nilai. Assoc. Prof Dr. Siti Salwani also currently serves as a Shariah Committee for Bank Rakyat Malaysia, Board Member for the Institute of Islamic Banking and Finance International Islamic University Malaysia and Associate Advisor for AFTAAS Shariah Advisory Sdn.Bhd.

Dr Wan Sabri Wan Yuso Assoc. Prof. Dr. Wan Sabri was appointed as Shariah Committee of Great Eastern Takaful Sdn Bhd in November 2010. He holds a Ph.D and Master of Arts from Temple University, USA (specialized in Comparative Religion). He also holds a Master of Islamic Revealed Knowledge and Heritage (IRKH) (specialized in Tafsir) and Bachelor of Economics from International Islamic University Malaysia (IIUM). He is a member of the teaching staff at Department of Usuluddin and Comparative Religion, IRKH, IIUM, holding the position of Associate Professor. His main areas of interest are concept of religion, comparative religion and ethics. He had published numerous articles among others monograph on prominence Muslim scholars in this region and tafsir (exegesis). Assoc. Prof. Dr Wan Sabri also currently serves as a Shariah Committee member of OCBC Al-Amin. Prior to that, he was a Shariah Committee member for Southern Bank Berhad, CIMB Islamic and Alliance Bank.   SOURCE: http://www.i-great.com/i-great/shariah.html