New Superior Wealth -- Asia Largest Gold Investment of 2007

"Asia's Largest Gold Mine"

Why?

Because there’s an estimated 22,000 TONS of gold lying beneath Chinese soil, according to the Xinhua News Agency (China’s biggest news source). That’s worth about $445 BILLION in today’s gold prices.


Can you imagine how valuable this land is? Enough gold to supply the world for the next 25 years… and potentially billions of dollars of gold still left to be discovered.

It’s easy to see why every gold company on the planet wants a piece of this untapped gold heaven…

As The Star (one of Asia’s biggest newspapers) reports: “Many parts of the country have gold reserves worth billions of dollars.”

Let me show you how to get started…
A Bull Market in Gold 'Til 2020

I believe these are the dawning days of a 20-year bull market in commodities and precious metals.

Already, gold prices have more than doubled since 2001.

And they’re likely to soar much higher.

You see, markets for resources – like everything else – run in periodic and predictable cycles.

The 20th century experienced 3 commodities bull markets:

* 1906—1922
* 1933—1953
* 1968—1982

The shortest of these bull markets lasted 14 years and the longest lasted 23 years.

The one we’re in now began in 2000. Historically speaking, we have at least until 2014 before this bull market expires. In my professional opinion, I think it’ll last until 2020.

Are you ready to invest? Contact me at 012-3900718 or email me at sean@oscarwealth.com

浅谈个人理财（下篇）- 退休计划、遗产规划

了解了如何通过购买保险去保障个人财富及与我们息息相关的税务筹划后，这一期就谈谈人生最重要的退休计划和遗产规划。

F．退休计划
在夏威夷的沙滩上晒太阳、游走在巴黎的街头，并在高级的意大利餐厅吃晚餐。如此写意的退休生活，又有多少个人可以实现呢？一个人工作了几十年，到了退休年龄，收入停止，支出却没有停过。如果没有及早规划退休生活，通货膨胀就会慢慢侵蚀掉你的退休金和资产，没过多少年，你就陷入经济困境中。

因此，越早规划退休生活，退休生活就越轻松。个人除了依靠退休金，也应该在年轻时就开始储蓄或投资。此外，退休计划不是简单地在退休前储蓄一笔钱就能解决，而是要确保几时退休？需要多少退休金？这些决定将取决于以下因素：
- 年龄和平均寿命
- 婚姻状况（单身或已婚）
- 计划退休年龄
- 资产状况（包括退休金、投资、房地产收入等等）
- 开支计划（包括衣食住行、医疗保健）
- 退休后的工作计划（全职或兼职）

一个人到了退休年龄，健康就显得很重要，所以医疗保险和人寿保险等保险都不容忽视。面对变化迅速的经济形态，你准备好了退休计划吗？

G．遗产规划
工作忙忙碌碌，转眼间，就到了中年时刻，以前拼命赚钱现在则理智地将你的资产分配给心爱的人。为了不让辛苦累积的遗产落入不属之人或政府机构，你应该及早规划遗嘱。遗产规划包含遗嘱信托，即立遗嘱人把遗产的管理、分配和给付等，写在遗嘱中。遗嘱信托除了有最佳传承效应外，亦有为子女选择监护人、避免因为争夺个人财产而引起的家庭纠纷等作用。

或许你会认为自己的遗产很少，不需要立遗嘱。但你的身价可能比你想象的高，或家庭成员对你遗留下的物件有很深厚的感情，而引起了争夺的问题。此外，你也不能如电视剧情般自立遗嘱，因为“自制”的遗嘱通常没有法律保障，让别人有机会与你的家人争夺财产，最好是找寻专业的遗嘱专员、律师或理财规划师等，以万无一失。
有效的遗嘱信托具备以下功能：
- 将财产顺利地传给继承人，和确保每位继承人可获得多少遗产。
- 具有法律约束力，公平地清算和分配遗产，减少纷争。
- 确保幼小或智力有问题的子女得到更好的监护与照顾。

此外，遗产规划中的寿险将确保遗产中的现金是足以应付处置费如葬礼费、遗嘱费和偿还未还清的债务等等，以免立遗嘱人的家人陷入经济困境或遗产被变卖。因此，及早规划遗嘱，并定期检查遗嘱符合最新的要求，是每个人对身边的人所做出的一小贡献。

以上《浅谈个人理财》篇只是简单地介绍个人财务规划中的七个主要范畴，详细内容敬请留意一系列的《理财天下》。

浅谈个人理财（中篇）- 个人风险管理和保险规划、个人税务筹划

在上一期的浅谈个人理财中，列举了投资计划、居住规划和教育投资计划。这一期继续看看如何进行个人风险管理和保险规划与如何筹划个人税务。

D．个人风险管理和保险规划
人生在世，难免会有无法预测的事情发生。一个人除了经历生老病死，也可能遭遇天灾人祸或其他状况，这些状况都可能损害个人的经济，甚至使整个家庭陷入困境中。因此，保险就是为了保障我们在遇到危险时，将其风险降到最低。

试想想，如果你一个月存100令吉当医疗的紧急费用，一年就只能存1千200百令吉，但是如果集合100个人的力量，一年就有12万，这就是保险 “人人为我，我为人人”的理念，即让100个人来共同承担你遭遇的风险。

保险的种类以财产保险、人寿保险和责任保险为主。财务规划师会根据客户的经济状况和保险需求，帮他们选择合适的保险。此外，客户应该留意投保的期限和金额是否符合其经济状况，以免影响了他可动用的现金流量。

E．个人税务筹划
吉隆坡到槟城：RM0.99。对于这个超低的飞机票，谁都无法抗拒吧？但是别忘记，这个价钱可能还没有包括税务、行政等其他费用。其实从我们一开始工作、出外用餐，甚至买外国名牌货，都逃不了要缴税。

纳税的主要目的其实是要人民共同分担政府的部分责任，政府则提供公共服务给纳税人，其中包括了国防、警察和消防、道路维修、学校等服务，并检查食品、药物等产品的安全性。但是，在面对众多的税项时，纳税人出于自身利益的考量，都希望充分利用税法中的优惠条款，合理地将税负减到最小。

因此，在个人理财规划中，就要包括了税务的筹划，并确保以下事项：
- 了解最新税收法律和规章制度
- 保留完整的税收记录
- 充分利用税收优惠政策（可以从收入中扣除的费用，如双亲医疗费、保险费等）
- 递延纳税时间（包括加速累积费用的扣除）
- 缩小计税依据（包括扩大税前可扣除的范围）

消费者必须小心个人税务筹划所面临的法律风险。你必须熟悉税法的相关规定，分析自身的财务状况、风险态度与纳税历史情况后，才签订个人税务筹划协议。

浅谈个人理财（上篇）- 投资计划、居住规划、教育投资计划

大部分人都埋怨在扣除基本开销后，已没有多余的钱储蓄或投资。要如何妥善地处理自己的财富？恐怕现在就要开始理一理自己的财务。我们可以选择自己制定财务规划或找财务规划师代劳，重点是该财务规划是最贴切自己的财务状况和理财目标。财务规划涉及了生活的多个层面，基本上包含了以下内容：投资计划、居住规划、教育投资计划、个人风险管理和保险规划、个人税务筹划、退休计划和遗产规划等。

A．投资计划
很多人都说：“薪水这么少，哪里还有多余钱进行投资？”。因此，投资也可以被理解为消费者放弃部分消费，而选择购买投资工具，以赚取报酬（收益）。虽然钱赚得不多，但是个人依然可以采取先储蓄（每个月规定投资500令吉），后消费（缴付账单等）的习惯，这样有助于减少不必要的开销。

不过，投资工具如股票和债券的回酬有一定的风险，现在投入的资金是确定的（例如每月投资500令吉），未来的收益却是不确定的（可能亏损或获利）。所以，在投资之前，消费者必须确保自己的财务和负债情况，其中包括了：
（一）先偿还信用卡贷款、车子、屋子和教育等贷款；
（二）预留未来必须支付的大额开销，例如保险费、教育费、旅行费等；
（三）预留紧急储备金以备不时之需。

在选择投资品种时，财务规划师会根据客户的风险承受度和投资回报率的要求，去拟定投资组合，以达致更好的风险与投资效应。

B．居住规划
很多外地人到了吉隆坡工作，都要花钱租房或买屋子。由于租房或买屋子之间决定了“你帮别人供屋子或自己供屋子”，两者所需要的资金和收益也不同。因此，在决定租房或买屋子之前，当事人必须考量自己的经济能力和收入状况，以决定购买屋子的类型、地点和投资计划等等。

此外，住房或房地产具有抗通货膨胀、风险适中等优点，除了供人居住外，也适合用于长期的投资。投资者通过出租住宅和房地产赚取租金，或通过转售获取收益。因此，居住规划还包括了租房、购房、换房房贷和投资房产方面的规划。这些规划将影响个人的资产负债与现金流的状况。由于房地产的买卖涉及庞大的资金，也不容易和其他投资工具如股票般容易出售，所以消费者在选择从事这高资金的投资时，必须留意相关法律和各种影响房地产价格的因素。
C．教育投资计划
所谓“再穷不能穷教育”，可见在知识型的社会里，教育越来越重要。在制定教育规划前，父母必须考量孩子的人数、孩子的年龄、学院和科系的选择、出国或本地深造等等，以确定所需要的教育经费。此外，父母必须清楚自身的财务状况和预期的收入状况，以判断个人储蓄是否足以应付孩子的学费。如果不能，家长就要想办法增加自己的收入、储蓄在某一个教育基金或通过投资去让资金增值。

除了储蓄和投资策略，家长和学生也应多留意政府或私人机构所发出的奖贷学金和助学金等等。其中包括了政府的贷学金PTPTN、各银行所提供的奖贷学金等等，这些咨询都可以从各大报章、网站、教育杂志中获得。各机构所发出的条件、偿还期限和利息也不同，因此要多加比较。如果情况允许，家长应避免动用公积金来支付教育费，所以越早规

IS THIS THE “HARD FLOOR” IN CRUDE OIL?

IS THIS THE “HARD FLOOR” IN CRUDE OIL?

Is oil going below $50 a barrel in 2007? Or above $100? And what should I do with the answer?

Frankly, nobody knows for sure where the price of oil is going. We can only say crude oil remains above the “hard floor” provided by the $57-$61 a barrel range.

And here’s our guess for why that floor exists: Most of the world’s cheap oil has already been found... and we’re left searching for petroleum in places where communist idiocy and guerilla warfare rule the day. Venezuela, Sudan, and Nigeria come to mind.

Also coming to mind is the extraordinary profitability of the world’s supermajor oil companies. When oil is at $40 a barrel, companies like Chevron make fortunes. When oil is at $60 a barrel, the profits are so large John Rockefeller himself would be astounded.

Understand the Compounding Effect of Money

Understand the Compounding Effect of Money

The compounding effect of money is extremely important when making any financial decision. The compounding effect of money is often overlooked or underestimated by people when making decisions. When applied to all of your financial decisions, this effect is the KEY to long-term success! To illustrate the compounding effect of money, let me use some financial examples:



Suppose you had invested $1,000 today in a 5% savings account. In one year, that account would be worth $1,050 [$1,000 + ($1,000 x 5%)], yielding a $50 gain. However, in year two, that same initial investment would be worth $1,102.50 [$1,000 + ($1,000 x 5%) + ($1,050 x 5%)], yielding a $52.50 gain. And in year three, the same $1,000 would be worth $1,157.63, yielding a $55.13 gain. By year ten, the initial $1,000 investment would be worth $1,629 and by year 25 it would be worth $3,386.



From looking at this example, you can see that investing $1,000 today is much more valuable than investing $1,000 even a couple of years from now. To accumulate wealth, you MUST use the time value of money and the compounding effect of money to your advantage.



This second example shows how the compounding effect can work against you:



Suppose you borrowed $20,000 to purchase a car and your auto loan was at a 10% interest rate (for 5 years). Your monthly payments would be $424.94. Because the $20,000 loan continues to compound over the life of the loan, you actually pay $25,496.45 over the five-year period, meaning that you’ve in essence paid $5,496.45 because you spent the money before you had it. In fact, in your initial payments, the interest alone will account for almost 40% of your monthly payments. In this case, the bank or lender that gave you the loan uses the time value of money to their advantage.



Now look at this scenario, where instead of making the $424.94 car payment, you invest that payment at the same rate as what your car loan was (granted it’s a little high for a savings rate, but not unreasonable for other investments). Now, instead of paying the bank, you are actually earning interest and compounding the benefit yourself. After one year you will have saved $5,340 and have earned $240 in interest. After two years, you will have saved $11,239 and have earned $1,039 in interest. By the third year, your investments will be worth almost $18,000 and you will have earned $2,457 in interest. By month 40, you will have enough money to purchase a $20,000 car in cash!



So let’s weigh the differences between the two scenarios above. In the first case you paid the bank $5,496 to borrow the money and in the second case you earned $2,457 and could buy the car in cash after just 40 months (just over 3 years)! The opportunity cost of the first alternative versus the second alternative results in a net difference of $7,953 (a $2,457 gain versus a $5,496 loss). That means that by making a simple deferral decision (buying the car in 3 years versus today), you can get ahead by almost $8,000!