Here are some questions to think about as you embark on this very exciting stage of watching your family grow and progress.

Q1: Have you started planning for your children's higher education?

Q2: Do you wish to send your children overseas for tertiary education and are
        unsure how you will be able to do that with your current savings?

Q3: Are you aware that if you start an education fund for children below 8 years old
       now, you would have less worry about sending them to a good overseas
       college or university for tertiary education?

With your family top on your priority list at this point, here are a few considerations. This would be an opportune time to invest in a child education policy, and plan ahead for your child's tertiary education fees and living expenses during those critical years in college or university. It is always wise to start planning early for your child's education in order not to deprive him or her of a solid education when he or she comes of age. For example, if your child is aged 5 today, to provide enough resources for him to go abroad for 3 years when he turns 18 years old, you will need to build up an education fund of at least RM150,000*.

Now with dependents who are still quite young, you should have adequate life insurance to protect your income and your family. Also, ensure that you and your family have medical insurance and are covered against illnesses and other unforeseen circumstances. Equity funds and other investment-linked channels are also recommended to shore up your assets over the medium and long term.

* This is for illustration only, with assumptions of inflation and interest rates.

Come visit our Customer Relationship Officers and let them give you a clear and fresh perspective on planning for yourself and your family, and on how to invest your extra cash and put you on the path to greater gains, financial growth and security. No matter which stage of life you are at.