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Updated: Aug 26

By Felicia Lim


Having trouble coping with your investment losses? Learn about these steps you can take before starting again.

There are different types of investment vehicles or assets classes that we can have to grow our net worth. We can utilize them to achieve different life goals. Common types of investment vehicles are property, stocks, unit trust, and saving plans; with many more available for an investor to explore.


While everyone would certainly want to reap profits all the time, the reality is that setbacks do occur.


If you are nursing an investment that is not doing well, or have recently exited from one, and are uncertain about how to proceed, this article has tips for you.

#1. Take a Break


You need to take a break and take a few steps back. Often, people rush about with their busy lives and just continue to pay the cost even if it’s expensive because they don’t feel it.


Think of it as a bleeding wound. Do you just wipe away the blood and go on rushing about, or do you take a moment to analyze what caused the wound and what are the best steps to treat it? Or would you be okay if it turns into an avoidable infection and affects your quality of life.


The same goes for any investment choices that aren’t working out as it could impact your overall financial situation. Hence, gives yourself some space to clear your mind, before you review and make new plans.

#2. Revisit the Life Goals of the Investment


Take another look at the purpose of the said investment. Or perhaps the life goals to which this investment belongs. Typically, the most common life goals are wedding funding, children’s education fund, haj planning, retirement funding, and many more which depend on your desires.


It is vital to be aware of the purpose so you can have a clear view of its exit plan – when it needs to be sold off to achieve your goals. The time frame is critical as it determines your short-term and long-term strategy as in to hold, sell, or switch, when possible.

#3. View the Failing Investment Against Overall Asset Allocation


Do list down all your assets and put in the holding of each asset. Calculate the holding percentage of each asset against the total asset, setting the total assets as 100%.


Quite often people asses their investment holdings by number instead of by percentage. Both are true hard facts, but they can give you different viewpoints. For example, RM50,000 could be 8% or it could be 50% of your overall asset allocation. This is significant since those holding 8% will be more relaxed and feel any decisions will have a smaller impact on their lives compared with those holding 50%.

If you have not yet explored the percentage of your failing investment against your overall asset allocation, do it now.

#4. Explore the Learning Points


List down what you did well, and what you want to continue to maintain moving forward. Examples of learning can be your understanding of your own risk appetite, your understanding of the legal process if for property investment, your gain in life experience, and many more.


In life, there are always things to learn. Sometimes we are too focused on what we lose and forgot about what we gain. You will gain some learning from each experience. A holistic learning experience would bring you joy and motivate you with more exposure to different things in life.

#5. Review What Went Wrong


List down what went wrong and how you can improve in the future. Some might feel exploring the root cause is painful and avoid doing it. Focus on how doing this will grow you, thereby shifting the focus to a positive (personal growth) rather than negative (dwell on mistakes).


The root cause can be either an internal or external factor. Internal factors could be either your own understanding of the investment features; or omission of life purpose tagged to that investment which commonly occurs, and other personal factors. External factors could be surrounding influence, following trends blindly without understanding further and aligned back to self, misleading information received, and others.

#6. Explore Possible Alternatives


List down the possible alternatives to explore which can reduce the financial impact or even enhance your current financial situation. Also, add in the financial impact on a short-term and long-term basis.


Doing this will enable you to have a clear holistic picture of the dos & don’ts together with the respective financial impact. By focusing on the data, you can reduce the emotional element & have more justifiable factors to consider as part of your financial decision-making process. The same method can be also adopted when you want to kick start a new investment plan in the future.

#7. Focus on What You Can Control


With all the above input, you are now able to make a wiser decision on what to do next. After all, action is the most important and critical step of any plan. Taking action means you can choose to take it or leave it instead of sitting on it and being affected emotionally due to it.


There are times when external factors that are out of your hands come into play. If that happens, just focus on what you can take control of at the current moment and move on. You might want to monitor or revisit from time to time as you chose to hold on to the investment. Make a decision and move with it.


#8. Consider Getting Professional Advice


Some people might feel a little overwhelmed by the above. Whether it leads to overthinking, or an inability to take action, it may be valuable to get a licensed professional’s opinion.


In Malaysia, financial planning is a regulated activity and a person needs to be licensed to give financial advice. You may check their licensing status on the Securities Commission website. Select one that you are comfortable talking with and let them be part of your financial planning journey.

Conclusion


Experiencing an unpleasant situation that brings you disappointment, sadness, or even fear is common in life. However, realizing it is an experience you can learn and grow from can motivate you to continue exploring the world of investing, especially since it’s essential to growing your money so you can achieve more in life.


Register your name here and get connected to a licensed financial planner for professional help.


About the Author, Felicia Lim


Felicia is a Licensed Financial Planner attached with Wealth Vantage Advisory. As an accounting graduate, her dual certification helps her serve multi-cultural clients better. With the technical skills & knowledge of various solutions on hand, Felicia can differentiate her role to the client. Besides that, Felicia communicates well with clients during the fact-finding process and diagnose their issues. Each proposal comes along with a comparison, justification & the relevant impact on the client’s financial goal. Her approach is always to act in the client’s interest first and it has been embedded in her diagnosis & solutions which is the root cause of the issue to be solved for the benefit of a client.


By Juliyana Mohd Yatim


Kesejahteraan kewangan untuk pekerja amat penting bagi memastikan mereka mampu merancang kewangan dan sekaligus meningkatkan produktiviti di tempat kerja. Ketahui beberapa faktor kepentingan program sejahtera kewangan di tempat kerja.

Hampir setengah juta penduduk di negara ini mengalami kemurungan atau simptom depresi berdasarkan statistik Kajian Kesihatan dan Morbiditi Kebangsaan (NHMS) yang dijalankan pada 2019. Rata-rata masyarakat terkesan dengan pelbagai emosi antaranya kebimbangan, ketidakpastian serta tekanan perasaan akibat perubahan hidup setelah berlakunya krisis dalam hidup. Antara krisis yang menyebabkan ketidakstabilan emosi adalah isu kesihatan, kehilangan pekerjaan, perceraian dan kekangan kewangan. Menurut tinjauan oleh Agensi Kaunseling dan Pengurusan Kredit (AKPK), 71% rakyat yang bekerja sendiri menyatakan bahawa simpanan kewangan yang mereka sedia ada cukup untuk 1 bulan sahaja. Sehubungan itu, AKPK telah menyediakan kaunseling kewangan dan nasihat kepada Perusahaan Kecil dan Sederhana (PKS) yang terjejas teruk akibat pandemik Covid-19 menerusi Program Pengurusan Kredit (PPK). Program ini bertujuan melengkapkan individu untuk mengurus kewangan dengan bijak dan berbelanja mengikut kemampuan. Daripada kira-kira 315,000 individu yang mendaftar dalam PPK, 36.8% daripada mereka mengakui mereka menghadapi masalah kerana perancangan kewangan yang lemah.

Namun demikian, setiap cabaran yang berlaku pasti ada jalan keluarnya dan mampu menimbulkan kesedaran dan peluang dalam perniagaan untuk lebih berdaya tahan untuk masa depan.

Lebih 60% pekerja menyatakan bahawa Program Sejahtera Kewangan akan meningkatkan semangat untuk untuk kekal bekerja di syarikat mereka dan hampir 90% melaporkan mereka memerlukan sokongan dari Program Sejahtera Kewangan. Berikut merupakan 5 faktor syarikat perlu mengadakan Program Sejahtera Kewangan untuk meningkatkan mutu pekerjaan serta produktiviti perniagaan mereka.


#1. Meningkatkan Produktiviti Perniagaan

Tidak disangkal lagi individu yang mengalami beban kewangan akan terbawa-bawa masalah mereka ke tempat kerja. Kajian ini membuktikan bahawa 6 daripada 10 pekerja amat bimbang dengan kewangan mereka sewaktu bekerja, manakala 43% lagi berasa terbeban dengan masalah kewangan dalam waktu bekerja.Hampir 50% daripada mereka juga menyatakan produktiviti mereka akan meningkat jika tiada masalah kewangan.


Berdasarkan fakta ini, majikan perlu memainkan peranan untuk memberikan pendedahan kepada pekerja melalui Program Sejahtera Kewangan yang boleh membantu merancang kewangan dan apabila masalah kewangan sudah dapat dikawal, produktiviti kerja juga akan meningkat.

#2. Kurangkan Beban Tekanan

Tanpa perancangan kewangan, pekerja akan lebih terdorong untuk berasa tertekan. Walaupun penyebab tekanan adalah berbeza bagi setiap orang, namun ia sering dikaitkan dengan tiada perancangan serta tidak mengurus wang dengan baik. Melaksanakan Program Kesihatan Kewangan bersama perancangan kewangan adalah salah satu cara yang mampu mengalih atau mengurangkan tekanan kepada para pekerja. Melalui program ini, 7 daripada 10 pekerja mampu mengurangkan tekanan kewangan yang mereka hadapi. Apabila para pekerja belajar cara yang betul untuk merancang kewangan masa depan, mereka akan lebih memahami kaedah terbaik untuk menjaga sumber pendapatan, meningkatkan simpanan, mengetahui cara mengurangkan perbelanjaan yang tidak penting dan pelbagai lagi. Kesimpulannya, pekerja akan lebih gembira dan bahagia apabila mereka mampu mengendalikan kewangan dengan lebih teratur.

#3. Pekerja Kekal Setia Dengan Syarikat

Program Sejahtera Kewangan bukan sahaja bermanfaat untuk pekerja, tetapi syarikat atau majikan juga akan semakin berkembang kerana mampu mengekalkan pekerja yang berpengalaman dan mahir.

Usaha mengekalkan pekerja mahir dan bermotivasi amat penting untuk memajukan perniagaan. Namun, jika pekerja sering bertukar atau berhenti, ia akan meningkatkan kos perniagaan hingga memberi kesan negatif terhadap semangat, visi dan perjuangan syarikat. Membina kesetiaan dalam kalangan pekerja bukan perkara yang mudah, Namun begitu, melalui sumber, kaedah dan manfaat yang diberikan oleh Program Sejahtera Kewangan kepada pekerja, ia akan dapat dicapai dengan baik. Menurut kajian, 59% pekerja bersetuju bahawa penganjuran seperti Program Sejahtera Kewangan boleh meyakinkan mereka untuk setia bersama syarikat sekarang dan besar kemungkinan akan mencadangkan program sebegini kepada majikan.

#4. Meningkatkan Fokus Semasa Bekerja

Tahukah anda, seramai 5 hingga 9 pekerja hilang 2.1 jam kerana diganggu atau terganggu? Jika dijumlah kesemuanya, akan cukup 1 hari penuh dalam seminggu. Lebih membimbangkan, pekerja yang bekerja menggunakan komputer akan terganggu setiap 10.5 minit.

Gangguan boleh berlaku dalam pelbagai bentuk. Sebagai majikan, amat penting untuk anda berusaha mengurangkan gangguan negatif semasa tempoh bekerja. Ia boleh dilakukan dengan memberikan insentif atau manfaat lain dalam usaha untuk menjamin mutu kerja kakitangan tidak terjejas. Kewangan peribadi adalah gangguan yang lazim berlaku terhadap pekerja, samada semasa bekerja atau dalam kehidupan peribadi. Menyediakan Program Sejahtera Kewangan boleh membantu pekerja untuk mengurangkan tekanan kewangan dan dalam masa yang sama, meningkatkan tahap literasi kewangan pekerja serta kestabilan hidup.

#5. Mental dan Fizikal Yang Sihat

Bak kata pujangga – Sihat itu Tanda Kekayaan. Ia adalah benar untuk para pekerja dan juga syarikat. Dalam erti kata lain, kesejahteraan pekerja adalah kekayaan syarikat anda! Walau bagaimanapun, gelombang pandemik Covid-19 telah memberikan tamparan yang hebat terhadap kesihatan mental dan fizikal rakyat Malaysi. Ramai yang khuatir akan situasi keadaan kewangan semasa masing-masing. Tidak disangkal lagi, kerisauan terhadap kesukaran kewangan menjadi kegusaran utama dalam fikiran 64% individu berdasarkan kajian ini.

Kebimbangan sebegini adalah tidak sihat. Gangguan dan tekanan kewangan yang terus bemain dalam fikiran akan membawa kesan yang lebih serius terhadap kesihatan fizikal pekerja. Kerisauan melampau, keletihan dan emosi tidak stabil boleh menyebabkan individu sukar tidur, hilang selera makan dan kekurangan tenaga. Kesemua ini boleh memberikan kesan ketara terhadap prestasi kerja dan kehidupan peribadi seseorang individu. Inilah masanya untuk majikan memberi sokongan aktif bagi membaiki tahap kesihatan mental dan fizikal pekerja. Melalui Program Kesejahteraan Kewangan, syarikat akan melihat penambahbaikan yang selari dalam prestasi pekerja dan sekaligus meningkatkan produktiviti syarikat.

Bagaimana Majikan Boleh Membantu Pekerja dengan Program Sejahtera Kewangan

Pekerja adalah aset syarikat yang terbesar. Dengan melabur ke atas mereka, syarikat sebenarnya melaburkannya untuk kejayaan syarikat juga.

Sebagai majikan, adalah penting untuk anda menyediakan sumber atau kaedah yang baik untuk kebajikan pekerja. Ia menunjukkan bahawa syarikat ambil peduli dan memahami keperluan pekerja. Kejayaan yang dicapai di luar tempat kerja juga sama penting untuk kejayaan syarikat.

Wealth Vantage Advisory telah banyak membantu para pekerja mendapat manfaat daripada program Sejahtera Kewangan melalui perubahan sikap terhadap kewangan ke arah lebih baik. Melalui perancangan kewangan yang unik bagi setiap individu, kaedah yang tepat dan juga literasi kewangan membolehkan para pekerja lebih yakin untuk membawa perubahan positif dalam realiti kehidupan sebenar. Usahakan untuk mempelajari cara menghilangkan tekanan kewangan yang membebankan, meningkatkan prestasi dan membantu untuk mencapai impian mereka pada waktu ini sebagai persediaan di masa depan. Wealth Vantage Advisory siap sedia membantu syarikat memperkasakan para pekerja dengan Program Sejahtera Kewangan. Dapatkan butiran lanjut bagaimana Wealth Vantage Advisory boleh memberi nilai tambah serta manfaat ini kepada syarikat anda melalui pautan ini. About the Author: Juliyana Mohd Yatim Juliyana Mohd Yatim supports the firm in the Business Development unit. Prior joining Wealth Vantage, Julie has worked in banking, investment, and retail industry for more than 10 years. She received a BBA (Hons) in Finance from University Technology of MARA. Her current role, Julie is responsible for the firm's unique program known as FWP or “Financial Wellness Program" to be embedded as part of the Employee Development Program by turning FWP into a Growth Strategy. This task gave her a great opportunity to personalise and customise the program based on employers’ needs and prioritisation.

By Asad Safuan Ab Maleki @ Ab Malik


As we are approaching Hari Raya Aidilfitri, consider these helpful tips if you are among those still struggling to manage their own cash flow as we adjust to life alongside Covid-19.

Aidilfitri 2022 is the first time Malaysians are celebrating this event with only minor restrictions thanks to Covid-19 which is still troubling the world since it’s emergence in late 2019.


With that in mind, we can expect plenty of excitement for this coming Aidilfitri! The big question is how do we manage our cashflow so that we are in control of our spending, without detracting from the thrill of enjoying the celebrations?

#1. Know Your Holiday Spending Limits Before You Spend


Budgeting is a way to set limit on your expenses and still enjoy the season. Here are some articles that can walk you through the process.

  • 7 Steps to Successful Budget-Setting for Couples

  • Is Preparing for the Holidays Part of Your Savings Plan?

  • 6 Steps to Get Your Finance Ready for the Holidays

For example, you may include your yearly holiday expenses in your financial planning by setting a realistic amount, for example RM5000. Break it down into your monthly savings portion e.g. RM400 – RM450 to be set aside every month specifically as a holiday/celebration fund. As the holiday date approaches, tally how much you have been able to park aside and manage your spending based on that.


Knowing how much you have before you spend is definitely a fundamental step in staying in control of your finances.

#2. Make Your ‘Naughty or Nice’ List


As an Islamic celebration, it’s important to recognize the distinction between actions that are wajib (compulsory), sunnah (advisable to do), or simply an adat (a practice, a custom) in our habits and practices for Hari Raya Aidilfitri, many of which were passed down over generations. Some examples of things to ponder about include:

  • Moreh (the practice of eating after performing tarawih prayer)

  • Duit raya (money given out to mark the celebration. Not to be confused with sedekah or giving charity)

  • Purchasing new furniture, curtains, carpets, etc.

  • Buying new clothes

  • Playing fireworks

Familiarize yourself with identifying what are categorized wajib, sunnah, or adat can help you make better decisions for yourself and your family when money is tight.


Make a list to include all the items that are wajib and those which you feel strongly about. It is also recommended to then include other expenses that you anticipate would be appropriate during the festival. For example:

  • Traveling cost

  • Clothing

  • Food / catering cost

  • Gifts

Put an estimate of how much you are intending to spend for each item and total them up. You may also want to consider having some “backup” money set aside in case you missed out any item or encounter any unexpected situations.

#3. Be Realistic About Your Budget


When it comes to financial planning, this is a very crucial point. Each and everyone of us are in a different condition. The example of RM5000 allocation for festival might not suit everyone out there. Adjust, adjust, adjust!


If you face social pressure to unnecessarily spend on status symbols, bear in mind how much you would like to be in control of your own finances. It’s easy for others to tease, but in the end they are not the ones paying the bills.


If you feel strongly about it, then it is better to focus on how you can save more for future celebrations and let it be that this coming celebration will be a lower-key one for you.

#4. Become a Point or Coupon Collector


Sales aren’t the only way to get great deals on the gifts you want for your friends or family. Before you shop online, perform a quick web search for coupon codes for your favourite online stores. Before you shop in local stores, comb through the coupons you received in your mailbox. While you search through the flyers, make sure to compare shops for the item that you’re interested in.


Savings can happen just by keeping your eyes on for discount and great deals.

#5. Give the Gift of Your Time


Our parents (or other family members and friends) might love nothing more than a visit from you. Another idea? Writing up a “free night of babysitting” card for your family members with young children, or “good for a home-cooked meal” certificate for your aunt that can be used when the time is right.

#6. Build Better Spending Habits


Now this is a tough one. It is not necessarily important only for festive season. But this habit needs to be cultivated from young age.


Each and every one of us has been exposed to different ways of upbringing which definitely has its effect on our practices or habits of doing things. Do our part by starting NOW by showing good examples to our children or if you don’t have one, you may be setting up examples for the people around you.

#7. Decorating Your House with Used/ Discounted Items


Be creative by coming up with an idea of decorating your home. Make full use of the internet by searching on what you would like to decorate. Whether by utilising whatever you already have at home (recycling unused items) or by buying discounted or used items and then redecorate them to your liking.


You can also get your children involved in this project and it helps you bonding better and get to teach your younger ones about money matters in the same time. E.g. – Money tree, ketupat which is nicely braided with different colours of ribbons, small wooden traditional Malay house made by ice cream sticks (diorama) etc.

#8. Organize Group Volunteering or Spring Cleaning


Plan a spring cleaning at your parents or grandparents house. If there is nothing much to do, you could then initiate a small gotong-royong at your neighbourhood or graveyard area (as one of the customs of the Malay Muslims is to go and pay tribute and say prayers at the graveyards in remembrance of those who had passed away).


You might want to consider doing this instead of organising open house or party every single time you go back for Raya.

#9. Share the Cost of Your Celebration


Prior to the festive season, check if friends or family are interested in joint purchases. Most of the times, buying things in bulk are cheaper compared to buying it individually.

#10. Start Your Shopping Early


Do not wait until the last minute (approaching festival days) before doing the shopping. Unless for certain items which would only be available closer to the festival date like food.


Look out for the mega sales or month-end sales period to get the best out of your money every time you want to buy something.

Conclusion


Practice moderation in each and everything you do especially when it comes to expenses – to talk about from the financial point of view. You may do what you like with your money if you have managed or planned it properly ahead. Talking about financial planning, it always boils down to you cash flow. Do you really know whether you have surplus or deficit? If you don’t, then it is best seek advice from the experts – licensed financial planner. They could help you analyse your cash flow and see what is/are missing in your own financial planning. You may also seek their unbiased advice on how to go about pertaining to you financial goals.


How do you plan to shop for your Hari Raya celebration?


About the author


Asad kicked off his career in financial services industry by becoming a Takaful and Unit Trust Consultant for 5 years. After that, he decided to make a career advancement from becoming an agent to advisory approach by pursuing Islamic Financial Planning (IFP) certification in 2021. He realised that his true passion is helping individuals to improve their personal finances situation by giving a holistic and unbiased advice. As an Associate Financial Planner with Wealth Vantage Advisory, he received full training and coaching from senior financial planners in the firm to equipped him better with consultation and financial planning skills. Asad wanted to make sure as Financial Planner, he can help his clients to understand their current financial situation, financial goals and risk profile before developing a full financial planning plan for them.