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Friday, 24 May 2013

မိမိရဲ႕ CPF မွာရွိတဲ့ မိမိရဲ႕ေငြေတြကို ဘယ္လိုေနရာေတြ ဘာေတြလုပ္ထားေပးလဲ?

Credit@ Ko Nge

မိမိရဲ႕ CPF မွာရွိတဲ့ Great Eastern Insurance ၾကည့္လိုက္ရေအာင္ မိမိအတြက္ဘာေတြအက်ိဴးရွိၿပီး ဘာေတြမ်ားမိမိကိုကာကြယ္ေပးသပါလဲ? သင္ေလ့လာ၀င္ၾကည့္ဖူးပါသလား? သင့္ရဲ႕CPF ေငြေတြကို ဘယ္လိုေနရာေတြမွာ ရင္ႏွီးျမွမ္ႏွံက်မလဲ? ေရႊ ၀ယ္မလား? စေတာ့ရွယ္ယာေတြ၀ယ္ရရင္ေကာင္းမလား?

Great Eastern - Life is Great !

Fund Switching/Premium Apportionment We are pleased to let you know that services for fund switch and change in premium apportionment are now available!

It is important for you to know that before you can use the services, you will need to be assessed as having the relevant knowledge and experience to transact in an unlisted Specified Investment Product such as investment-linked insurance policy.
Policy Information
Policy Number 0000000000      
Plan Type DEPENDANTS' PROTECTION SCHEME
Status INFORCE
Sum Assured S$46,000
Risk Commencement Date 21-May-2010
Next Renewal Age 00        
Next Premium Due Amount S$144.00
Next Premium Due Date 21-May-2013
Mode of Payment YEARLY
Payment Method CPF

Your Life Planner
Life Planner Name DIRECT
Life Planner Contact No
Note:
The policy number for GEL life policies now has 10 digits, prefixed by two zeros, instead of the previous 8 digits.
Disclaimer:
The information provided is accurate to the best of our knowledge.Should this information be deemed inaccurate at a later date, we will make corrections and/or changes.
Customer Knowledge Assessment (“CKA”)
According to the Financial Advisers Act (“FAA”) Notice 16 (issued on 28 July 2011 by the Monetary Authority of Singapore), a customer needs to be assessed as having the relevant knowledge and experience in an unlisted Specified Investment Product, before he/she is allowed to transact in it. This is known as Customer Knowledge Assessment. For Great Eastern Life, an unlisted Specified Investment Product includes an Investment-Linked Policy (“ILP”).
It is important to seek advice from your Distribution Representative before proceeding with the transaction. Your Distribution Representative can provide appropriate recommendations to you, taking into account your investment objectives, financial situation and particular needs.

For more information on CKA, please visit (English guide)


ဆက္စပ္ၿပီး အခုဒီ၀တ္ဆိုဒ္က သင့္ရဲ႕ဘ၀ေရွ႕ေရးေတြကိုလမ္းညႊန္႔သင္ေပးမဲ့ သတင္းအခ်က္အလက္ေတြ အမ်ားႀကီးရွိပါတယ္၊ သင္တို႔အတြက္ အရမ္းကိုအက်ိဳးရိွေစမဲ့ တန္ဖိုးမျဖတ္နိုင္တဲ့ ၀တ္ဆိုဒ္ေလးပါဘဲ! လုူတိုင္း၀င္ေလ့
လာၾကည့္ေစခ်င္ပါတယ္၊ ဒီလိုမ်ိဳး အမိျမန္မာမွာ မရွိပါေသးပါဘူး! စကာၤပူအစိုးရက ျပည္သူလူထုပညာေပး
၀တ္ဆိုဒ္ေလးလဲျဖစ္ပါတယ္!
ဒီစကာၤပူလူေတြကို လူေနမႈေတြကို အေသးစိတ္လမ္းညႊန္ေပးထားတဲ့ ဆိုဒ္ေလးပါ.....
အိမ္၀ယ္၊ကား၀ယ္၊လက္ထပ္၊ကြာရွင္း၊စစ္မႈထမ္း၊ပင္စင္၊ခေလးေမႊး၊ခေလးပညာေရး၊အလုပ္မရွိ၊စီးပြားေရး၊ေသဆံုးရင္ဘာေတြလုပ္သင့္တယ္ဆိုတာေတြကိုအေသးစိတ္လမ္းညႊန္ေပးထားပါတယ္.....
http://www.moneysense.gov.sg/



Singapore Government. Integrity Service ExcellenceIt pays to be informed..

We make financial decisions every day. This website provides educational information to help you manage your money and better understand financial products for your banking, insurance or investment needs. Find out about the things to watch out for when making informed decisions.

Getting Started

It is never too late to start taking control of your money matters.
Get started by thinking about how you manage your money everyday and what goals you have for the future that will cost money, e.g. further education, a wedding, your retirement. Our guide on Financial Planning can help you with basic money management, like setting a budget, working out how much you need for your goals and how to go about achieving them.
MoneySENSE guides can help you assess insurance products for your healthcare and also to protect your loved ones. We can help you understand debt and how to manage it. You will also find information to help you build up some basic investment know-how as well as guides on common financial products. Get started by clicking on Financial Planning now.

Home

  • Getting Started
  • Life Events
  • Financial Planning
  • Understanding Financial Products
  • News and Events
  • Partnering MoneySENSE
  • About MoneySENSE

  • Types of Investments

    Nowadays, there is a wide range of products for consumers to choose from. It is important that you take time to choose something that is suitable for you. Take a look at your goals and investment objective, what investments you already have, what you can afford, and your risk profile.

    Buy only what you fully understand – be familiar with the product’s benefits, risks, limitations and costs. Know how much you can lose in the worst case and how this may happen.Think about diversification - will the product complement, supplement or replace what you have? Or will you end up being over-exposed to a particular risk?

    Read our checklist "Key questions you should ask yourself before buying an investment product" to guide you along.
    Some products are more complex than others and may be difficult to understand. The Monetary Authority of Singapore (MAS) has categorised such products as Specified Investment Products (SIPs). Some SIPs are listed on an exchange, for example, exchange traded funds, structured warrants and futures. Unlisted SIPs include structured deposits, structured notes, unit trusts and investment-linked insurance policies. With effect from October 2012, some investment products listed on foreign exchanges, certain collective investment schemes (i.e. some unit trusts) and some sub-funds of investment-linked life insurance policies will not be considered as SIPs provided they meet certain requirements. Check with your financial institution to find out whether a product is an SIP. For information on the requirements in place when transacting SIPs, please refer to Consumer Guide on SIP Requirements.

    • Bonds

      Bonds are a form of borrowing. They are debt securities issued by borrowers such as governments or companies seeking to raise funds from the financial markets. They are also known as fixed income securities because most bonds pay a steady stream of interest income at periodic intervals throughout the life of the bond. Read more..
    • Shares

      Shares are issued by companies to raise capital or financing from investors. When you buy a company’s shares, you become a shareholder of the company. Shareholders are usually entitled to a share of any dividends that are declared and paid. Read more..
    • Unit Trusts

      If you invest in a unit trust or fund, your money is pooled with money from other investors and invested in a portfolio of assets according to the fund’s stated investment objective and investment approach. In Singapore, local and foreign funds offered to retail investors are regulated as collective investment schemes. The unit trust or fund is managed by a fund manager. Read more..
    • Traded Life Policies

      A traded life policy (“TLP”) is a life policy that has been sold by the original policy owner to an investor other than the insurer itself. TLPs are also commonly known as ‘second-hand’ life policies. Read more here..
    • Exchange Traded Funds

      Exchange traded funds (ETFs) are open-ended investment funds listed and traded on a stock exchange. Your money is pooled with money from other investors and invested according to the ETF’s stated investment objective. Read more here..
    • Real Estate Investment Trusts

      Real Estate Investment Trusts (REITs) are often described as instruments that offer investors the opportunity to invest in a professionally managed portfolio of real estate, through the purchase of a publicly-traded investment product. Individuals invest in a REIT by purchasing units of the trust, similar to shares of a common stock. Read more..
    • Structured Deposits

      A structured deposit combines a deposit with an investment product. The return on a structured deposit depends on the performance of an underlying financial asset, product or benchmark. Read more here..
    • Contract for Differences

      A CFD allows you to speculate on future market movements of the underlying asset, without actually owning or taking physical delivery of the underlying asset. Read more here.
    • Investment-Linked Insurance Policies

      Investment-linked insurance policies (ILPs) have both life insurance and investment components. Your premiums are used to pay for units in investment–linked fund(s) of your choice. Some of the units you buy are then sold to pay for insurance and other charges, while the rest remain invested. Read more here..

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