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  • English
    The Greatest gift For Your Child

    An education is one of the most valuable gifts a parent can give to their child. It helps unlock new opportunities and increase upward social mobility for them to fulfil lifelong dreams.

    Education Cost On The Rise

    But the cost of raising a child has increased over the years with education inflation steadily rising.

    This is especially at the tertiary level where many parents might have to resort to borrowing or dipping into their own savings to fund their child's education.

    Estimated Cost of Raising a Child

    0 to 6 years old
    37,300 to 48,000
    223,800 to 288,000
    Primary year – 1 to 6 
    8,400 to 35,000
    50,400 to 210,000
    Secondary year – 1 to 5
    13,200 to 46,000
    66,000 to 230,000
    Pre-university/ University (Four Years)
    13,200 to 160,000
    52,800 to 640,000
    Total
    393,000 to 1,368,000

    Source: Credit Counselling and Debt Management Agency (AKPK), 2020

    Are You Saving Enough For Your Child’s Education?
    Myth #1
    I will manage the costs, somehow
    Fact #1
    Inflation including cost of living is steadily rising which can affect your savings ability
    Myth #2
    A single savings pool for all my goals will suffice
    Fact #2
    A single savings plan for all your financial goals can lead to trouble – you should split your savings based on your financial goals
    Myth #3
    I have a lot of time
    Fact #3
    Procrastination costs you big time – you may not realise it but it can wreck your budget and financial plans in the form of opportunity costs and actual expenses
    Myth #4
    Loans and scholarships will get you there
    Fact #4
    Scholarships are hard to get and applying for one could be just as difficult. Study loans can be an option, but it might burden your child later
    Parental Dilemmas
    Escalating cost of education especially for parents with more than one child
    Increasingly competitive environment whether in the school or job market
    Surrounded by debt and other financial commitments
    The sandwich generation, squeezed between parents and children
    Quality education, both academic and lifestyle
    Not enough money to save or invest early for education
    A Need-Based Solution

    The process of preparing for a child’s education can be overwhelming. Nevertheless as with all life’s milestones, the key is in starting early and planning ahead.

    The EDUSave program by Affin Hwang AM provides a need-based solution for families to achieve their education savings goal.

    Our Value Proposition

    Insurance Protection up to RM200k1
    EduSave Bonus Units2
    Value Added Education Concierge Service
    Peace of Mind

    By kick-starting the savings journey, EDUSave helps families develop an early savings habit to prepare for the cost of their children’s education from pre-school right up to tertiary level irrespective of their background.

    References
    1 Terms and conditions apply. Please refer to the Fund's Prospectus and Product Highlight Sheet for more information.
    2 Bonus units are issued at the sole discretion of the Manager as it deems appropriate.

    Planting Seeds For The Future

    With an early start and a systematic savings plan in place, parents could be much further ahead when it comes to planning for children education goals.

    Speak to us today about our latest EDUSave program by Affin Hwang AM and learn more about how we can help you get started in planning for your child’s education.
  • Bahasa
    Pelaburan Paling Bermakna Untuk Anak Anda

    Pendidikan adalah hadiah paling berharga yang boleh diberikan oleh ibu bapa kepada anak mereka. Pendidikan membuka peluang baharu dan meningkatkan taraf sosial dan kerjaya, membolehkan mereka mencapai cita-cita hidup.

    Kos Pendidikan Kian Meningkat

    Tetapi kos membesarkan anak semakin hari semakin meningkat, dengan inflasi pendidikan yang amat ketara.

    Lebih-lebih lagi di peringkat pengajian tinggi, di mana ramai ibu bapa terpaksa meminjam atau menggunakan simpanan sendiri untuk membiayai pendidikan anak-anak.

    Anggaran Kos Membesarkan Anak

    0 hingga 6 tahun
    37,300 hingga 48,000
    223,800 hingga 288,000
    Sekolah rendah – 1 hingga 6
    8,400 hingga 35,000
    50,400 hingga 210,000
    Sekolah menengah – 1 hingga 5
    13,200 hingga 46,000
    66,000 hingga 230,000
    Pra-universiti/Universiti (Empat Tahun)
    13,200 hingga 160,000
    52,800 hingga 640,000
    Jumlah
    393,000 hingga 1,368,000

    Sumber: Agensi Kaunseling Kredit dan Pengurusan Hutang (AKPK), 2020

    Adakah Anda Menyimpan Secukupnya Untuk Pendidikan Anak?
    Mitos #1
    Saya akan mencari jalan menampung kos
    Fakta #1
    Inflasi, termasuk kos sara hidup, semakin meningkat, dan boleh menjejaskan keupayaan anda menabung
    Mitos #2
    Simpanan dalam satu dana untuk semua matlamat saya sudah mencukupi
    Fakta #2
    Pelan simpanan tunggal untuk semua matlamat kewangan anda boleh menimbulkan masalah – anda patut membahagikan simpanan mengikut matlamat kewangan anda
    Mitos #3
    Masih ada banyak masa lagi
    Fakta #3
    Berlengah boleh menjejaskan rancangan anda – anda mungkin tidak sedar tetapi ia boleh menggugat peruntukan dan rancangan kewangan dalam bentuk kos lepas dan perbelanjaan sebenar
    Mitos #4
    Pinjaman dan biasiswa akan membantu anak anda mencapai matlamat
    Fakta #4
    Biasiswa sukar diperolehi dan memohon biasiswa juga bukan mudah. Pinjaman pendidikan boleh dipertimbangkan, tetapi ia mungkin membebankan anak anda kemudian.
    Dilema Ibu Bapa
    Peningkatan kos pendidikan terutamanya bagi ibu bapa dengan lebih satu anak
    Persekitaran semakin kompetitif di sekolah dan juga pasaran kerjaya
    Dibebani hutang dan komitmen kewangan lain
    Generasi di tengah, tersepit di antara ibu bapa dan anak-anak
    Pendidikan berkualiti, dari segi akademik dan gaya hidup
    Tidak cukup wang untuk menyimpan atau  melabur awal
    Penyelesaian Berasaskan Keperluan

    Proses membuat persiapan bagi pendidikan anak mungkin satu tuntutan yang mencabar. Namun begitu, seperti semua matlamat penting dalam hidup, perancangan awal menjadi kunci kejayaan.

    Program EDUSave di bawah pengurusan Affin Hwang AM menyediakan penyelesaian berasaskan keperluan yang membolehkan keluarga masa kini mencapai matlamat simpanan pendidikan masing-masing.

    Saranan Nilai Kami

    Perlindungan Insurans sehingga RM200k1
    Unit Bonus EduSave2
    Khidmat Bantuan Pendidikan Bernilai Tambah
    Ketenangan Fikiran

    Dengan memulakan pelan simpanan, EDUSave membantu keluarga masa kini mula menabung dari peringkat awal lagi sebagai persiapan bagi membiayai kos pendidikan anak-anak dari peringkat prasekolah sehingga pengajian tinggi, tanpa mengira latar belakang mereka.

    Rujukan
    1 Tertakluk kepada terma dan syarat. Sila rujuk Prospektus Dana dan Lembaran Keterangan Produk untuk maklumat lanjut.
    2 Unit bonus diterbitkan atas budi bicara mutlak pihak Pengurusan sekiranya dianggap sesuai

    Menyemai Benih Untuk Masa Depan

    Dengan mengorak langkah awal dan pelan simpanan sistematik, ibu bapa boleh melangkah lebih jauh lagi dari segi merancang matlamat pendidikan anak-anak.

    Mari berbincang dengan kami hari ini tentang program EDUSave terbaharu anjuran Affin Hwang AM dan dapatkan maklumat lanjut tentang cara kami boleh membantu anda merancang pendidikan anak anda.
  • Chinese
    予孩子最好的礼物

    教育,是父母能给予孩子最具价值的礼物之一。这不单解锁新机遇,还提高孩子实现人生梦想的向上社会流动性。

    教育成本上升

    可是,育儿成本在过去数年却因教育通货膨胀平稳上升而增加。

    特别是大专院校的时期,许多父母可能不得不借钱或动用自己的存款,资助子女教育。

    育儿预估成本

    0 至 6 岁
    37,300 至 48,000
    223,800 至 288,000
    小学 1 年级至 6 年级
    8,400 至 35,000
    50,400 至 210,000
    中学中一至中五
    13,200 至 46,000
    66,000 至 230,000
    大学预科 / 大学 (四年制)
    13,200 至 160,000
    52,800 至 640,000
    总额
    393,000 至 1,368,000

    资料来源: 信贷咨询与债务管理机构 (AKPK), 2020 年数据

    您是否为孩子的教育储蓄了足够的钱?
    误解 #1
    我会以某种方式管理费用
    真相 #1
    通货膨胀包括生活成本都会逐渐增加,从而影响您的储蓄能力
    误解 #2
    我的单一储蓄方案足以实现所有目标
    真相 #2
    所有的财务目标制定一个单一的储蓄方案可能会为您带来麻烦;您应该按财务目标分类储蓄
    误解 #3
    我时间充裕
    真相 #3
    您可能没有意识到,拖延会花费您大量的实践,且会以机会成本和实际支出的形式,打乱您的预算和财务计划
    误解 #4
    贷款和奖学金可协助您达到目的
    真相 #4
    奖学金是难以获得和申请的事情。虽然教育贷款是选项之一,但以后会为您的孩子带来负担
    父母的进退两难
    攀升的教育成本,对于拥有超过一名孩子的父母影响更甚
    学校或职场激烈竞争
    被贷款和财务责任重压
    夹在父母和孩子的三文治群体
    有质量的教育,从学术乃至生活方式
    没有充裕的金钱储蓄或为教育提早投资
    基于需求的解决方案

    筹备孩子教育的过程或许繁复,但如所有人生里程碑般,关键是尽早开始并提前准备。

    Affin Hwang AM 旗下的 EDUSave 计划为家庭提供基于需求的解决方案,协助其实现教育储蓄目标。

    我们的价值主张

    保险保障高达20 万令吉1
    EduSave 额外单位2
    附加值教育礼宾服务
    心境平和

    一旦启动储蓄旅程,EDUSave 计划将协助家庭培养早期储蓄习惯,为不同家庭背景的孩子学前乃至大学教育成本做准备。

    参考文献
    1 须符合条款与条约。请参阅基金招股书和产品要点介绍。
    2 额外单位将由经理全权酌情决定。

    种下未来的种子

    通过尽早开始和系统性储蓄计划,父母可以在计划孩子教育目标事情上,走得更远。

    今天就向我们洽询 Affin Hwang AM 最新推出的 EDUSave 计划,并了解我们如何协助您开始为您孩子教育筹备
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Copyright © 2021 Affin Hwang Asset Management Bhd
TENG CHEE WAI

Managing Director
Teng Chee Wai is the founder of Affin Hwang Asset Management Berhad (Affin Hwang AM). Over the past decade, he has built the Company to be the fastest growing and only independent investment management house in Malaysia’s top three, with an excess of RM47 billion in assets under management as at 31 December 2018.​

​In his capacity as Managing Director / Executive Director, Teng manages the overall business and strategic direction as well as the management of the investment team. His hands-on approach sees him actively involved in investments, product development and marketing. Teng’s critical leadership and regular participation in reviewing and assessing strategies and performance has been pivotal in allowing the Company to successfully navigate the economically turbulent decade.

Teng’s investment management experience spans more than 20 years, and his key area of expertise is in managing absolute return mandates for insurance assets and investment-linked funds in both Singapore and Malaysia. Prior to his current appointments, he was the Assistant General Manager (Investment) of Overseas Assurance Corporation (OAC) and was responsible for the investment function of the Group Overseas Assurance Corporation Ltd.​

​Teng began his career in the financial industry as an Investment Manager with NTUC Income, Singapore. He is a Bachelor of Science graduate from the National University of Singapore and has a Post-Graduate Diploma in Actuarial Studies from City University in London.
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