Fazlin Khair RF Group for HLM Takaful and Manulife Insurance

Congratulations to our Miss on her closing last week! 6 figures worth of investment submitted.
What was her strategy to her clients? Invest more, market are picking up, dividend payable and know whats more for you? We have our newly core fund launched!
If you want to know more please chat with us today!

Had a fruitful discussion with my client. After meeting, immediately the client sent me her latest EPF statement and Alhamdulillah RM33,200 worth of investment is ready to be diversified into our award winning evergreen fund. Congratulations! Retirement goals: RM800,000 💪🏻⚡️😎 Start your own retirement planning today! Chat with us 🤙🏼

A survey about Retirement Planning was conducted by Sunlife and published on The Edge Malaysia, dated 16 Feb 2026.

Most Malaysians fall into 2 groups:
– People who plan early
– People who delay until it’s too late
👉 Most Malaysians are unprepared. Let’s make sure your clients not one of them

Many Malaysians retire later than planned because:
– Cannot afford to stop working
– Economic uncertainty
👉 Planning early gives you the freedom to choose when to retire.

Retirement age is no longer fixed at 55–60.
– People live longer
– Cost of living keeps rising
👉 Your money must last longer. Your investments must grow faster.

Malaysians start planning too late:
– Only 15% are confident in their retirement plans
– 30% have not made plans before retirement
👉 Starting late means you need to invest more every month. Start now with smaller amounts.

✅ Simple Action Steps for Consultants

• Ask simple questions:
– “How much do you want monthly after retirement?”
– “Is your EPF enough?”
– “Do you want to retire by choice or by force?”


• Start Small, Start Early:
– “RM300/month now can grow to RM156K in 20 years with 7% p.a. return.”
– “If you delay 10 years, you need to invest TRIPLE (RM900).”

- Offer a simple retirement gap check and start investing early for a prepared retirement.

https://myassets.theedgemalaysia.com/pics/2026/infogphic-tem1614_theedgemalaysia_20260216122317_09n5xr.jpg

Selamat Hari Raya Aidilfitri, Maaf Zahir & Batin ✨🌙

Happy International Women’s Day✨🌸
Photo credit to : Happyzodesigns

Gong Xi Fa Cai to those celebrating! May this year brings more success, endless happiness and long live 🐴🍊❤️🧧

Happy New Year everyone 🎉 Be more ready, wiser, healthier and happier in 2026! #2026

Here’s my shameless selfie while system buffering for updates 🙄 Tarik nafas panjang sis, nak lagi dekat2 hujung tahun, debaran kejar cut-off!

Anyways, settled submission 5-figure stp for EPF scheme and keluar another medical card quotation for my prospect! Chat with me for your 2026 planning listing below:
- EPF enhancement program 💰📊
- Private retirement scheme 💵👨🏼‍🦳
- Medical card and critical illness insurance 🏨💳

P/s: snazz up my look today with a pair of gorg earrings from June Tan Lurveeee! 🥰

Who said you can buy insurance at any time? No, you can’t

It starts with the mindset ⭐️

MEDICAL CARD ALERT!!
Age 40, Male, Non-smoker, Admin work:
Premium: RM290
Life: RM5000
Medical R&B: RM200
Deductible: RM500
Annual limit: RM3,000,000
Lifetime limit: Unlimited
Guaranteed Letter (GL): Available on 1st year at preferred hospital ⭐️⭐️⭐️⭐️⭐️
Added benefits: Enhancement pre/post hospitalization and guardian, Life support & Vaccination, Psychotherapy treatment, Follow up care (Cancer & Heart disease)

Disclaimers: for full schedule benefits, please contact agent for details. Above is a summary list only. Premiums are varies according to age, gender and occupation types, etc.

Chat with me today!