Here are some questions you should ask to guide you towards prudent and profitable investment in the coming years.

Q1: Now that your children are teenagers and/or nearing graduation and starting a
       career of their own, you would not need to support their education. Are there
       areas which you have pinpointed to invest that extra cash?

Q2: With that extra cash and wealth you have amassed over the years of hard
       work,do you have big plans to accelerate the growth of your wealth and
       look towards enriching your personal lives?

Q3: Are you aware of the investment opportunities available to reap profitable
       gains while you still have many more years to your retirement?

Now is the time to focus on building your retirement assets in view of the years ahead. At this time, too, you should seek advice on re-balancing your investment portfolio and start selecting some bond or income funds in preparation for your retirement. If you have 10 years before you retire and you would like to maintain your pre-retirement income of say RM3,000 per month, you will need to accumulate a retirement fund of at least RM1 million* at the point of retirement.

Life insurance is important at this stage while you still have dependents like your teenage children and aged parents. Income protection is still key, and so is family protection. Insurance will also ensure that recurring bills, mortgages and other payments are met in the untoward event of disability or death.

* 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.