Welcome to S.A.M Agency
We Can Help You Be Financially Free
Together We Can Make A Difference
What does financial freedom mean to you?
“The ability to do what you want, when you want, with who you want, for as long as you want, is priceless. It is the highest dividend money pays.” – quoted by Morgan Housel, the author of “The Psychology of Money: Timeless Lessons on Wealth, Greed and Happiness”.
We believe this is what financial freedom means. And we believe it’s also the state of life that everyone aspires for.
Achieving financial freedom requires a person to start building wealth as early as possible. The earlier we start, the easier and sooner we can achieve it. Building wealth requires us to realize that it’s important to plan ahead and start taking action to invest our money. It requires us to have a long-term view and practice delayed gratification to achieve the financial goals we want.
Many people realize the need to be financially free but are stuck with not knowing how to make it happen with high certainty. This is where we come into the picture and add value.
Whether you are seeking to build wealth for your comfortable retirement, children’s university funds, family emergency funds, optimizing the return of your existing investment, save taxes, as well as preserving your wealth, we have the RIGHT solutions for you!
We Believe
Our Vision
We are a team of licensed Unit Trust Consultants from the nation’s No. 1 Private Unit Trust Management Company, Public Mutual Berhad. We strongly believe that everyone can be financially free or achieve financial independence with proper guidance and financial education. Hence our vision is to be the nation’s trusted and preferred investment and wealth management team. We are dedicated and passionate in helping our fellow Malaysians achieve their financial and life goals.
Our Unique Services
Unit Trust Portfolio Review
This is a process of assessing and analyzing an individual’s investment portfolio which consists of various unit trust funds. The primary objective of this review is to ensure that your existing unit trust portfolio remains aligned with your investment goals, your ability to tolerate risk, and your financial objectives.
Goal Based Investment Planning
The goal-based investing strategy is designed to accomplish the individual’s financial decisions with specific life objectives and goals. This approach prioritizes the attainment of specific financial milestones such as the accumulation of sufficient retirement funds and/or children’s higher education funds within a defined time frame and does not focus solely on generating short-term returns on investment.
Investment Optimization & Wealth Management
This is also known as Investment portfolio asset allocation which is the process of constructing an investment portfolio that aims to produce the best possible balance between the acceptable risk and desirable return of an individual client. The main objective of this optimization strategy is to maximize the potential return and growth of the investments while minimizing the risks associated with the entire portfolio. Continuous and ongoing review and alignment will be necessary to make sure we are on track.
Our Proven Solutions
Action-Focused Financial Planning
We can analyze and plan all day but without taking action we are not going to reach our desired destination. The same applies to our financial status. Hence, we can attain our financial goals when we implement suitable solutions and products. Our proven solutions and products consist of the following:
Unit Trust Scheme (UTS) Investment
Private Retirement Scheme (PRS) Investment
EPF Members Investment Scheme (EPF-MIS)
Systematic Investment Plan (SIP)
Our Career Opportunity
We are recruiting talents
Unlock Your Potential and Build a Successful Business with Us in Public Mutual Bhd!
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Resources
See what we preach daily
Thanks Public Mutual for the Top 25% Growth Recognition
I'm proud to be recognised as the nationwide TOP 25% Growth Achiever for the period of 27th Dec 2023 to 24th Sep 2024. This award belongs to my wife, Angel Ooi Shin Ming, and all my team members, as well as our clients who trusted us and continued supporting us along...
Awarded as Top Group Sales – Agency Manager ranking
This year our team is awarded Penang branch's 1st Runner Up in the Agency Manager group sales category for 2022. 今年我们的团队获得了槟城分行 2022年组经理团队销售亚军万分感恩一切因缘。感恩我们所有客户，队员与公司所有工作人员的支持与付出 在此小弟想把这奖项献给大家 感恩 This award recognition belongs to every one of my committed team members...
Northern Stars & Beyond team’s 5th Year Anniversary
It was after the completion of Public Mutual's Master Builder of Agency program in Dec 2020 that the 5 of us agreed to continue working together and extend our collaboration to form the team known as Northern Stars & Beyond (NSB). With a combined experience of...
As a Sharing Speaker for UUM’s Finance And Banking Society
#Throwback to an awesome event last week where I was invited as a sharing speaker to share with the students and faculty members of the University Utara Malaysia (UUM)🏫 on personal financial management and career advancement opportunity. 💻The 3 hours online workshop...
The Story of Two Seeds
The Story of Two Seeds Once upon a time, in a quiet garden, two seeds lay side by side in the rich, dark soil. The first seed, named Hope, eagerly anticipated the day when it would break through the earth and reach for the sky. It longed to grow tall, bask in the...
It’s Never Too Late For Investment
It's never too late to start.. #Throwback to a joyful accomplishment when we have successfully helped another family to kick-start their investment under Public Mutual's Shariah Unit Trust investment. This couple, Mr. Father & Mrs. Mother has long heard from their...
As a Sharing Speaker for Public Mutual
I'm honored to be invited as the sharing speaker yesterday where more than 70 of us were gathered online and the audience are first rank Unit Trust Consultants from Penang, Miri, Bintulu, and Sibu branches. My main sharing is focused on ways to grow a...
How To Use Small Money To Earn Big Fortune
How to use small money to earn a big fortune? By saving the money we spend on a daily cup of latte might seem like a small effort, but it can add up significantly over time and help us work toward our financial goals. The idea originates from the "Latte Factor," a...
The 4 Principles of Successful Investment
4 guiding principles to help our clients build a strong foundation for their investments 1.) Invest for the long term A long-term investment horizon allows your investments time to generate compounded returns and amortise the initial cost of investing. 2.) Harness...
Team hiking at Moon Gate Penang
"I fear not the man who has practiced 10,000 kicks once, but I fear the man who has practiced one kick 10,000 times." ~ Bruce Lee Last Friday's small team building session was fun and joyful when we hiked from Penang Moon gate hiking track up to Number 5 station. And...
The Purpose of Investing
What is the purpose of investing your money? There are many answers to this. Some may say it is to earn more money; Some say it's for future needs; Some are for their children's needs; Some for their old age and retirement, for financial freedom, for independence, for...
Frequently Asked Questions (FAQ)
Who are we?
We are a team of licensed Unit Trust & Private Retirement Scheme Consultants from Malaysia’s No. 1 Private Unit Trust Management Company, Public Mutual Berhad.
How long have we been in this industry?
We have been fully involved in the Unit Trust and Wealth Management Industry since 2010.
What do we offer?
Our primary services and solutions consists of:
- Investment Optimization Planning
- Retirement Planning
- Children’s Education Planning
- Short to Medium Term Investment Planning
- Life Goals Investment Planning
What specific product(s) do we offer?
The financial services & products we offer are:
1. Unit Trust Scheme (UTS) Investment
2. Private Retirement Scheme (PRS) Investment
3. EPF Members Investment Scheme (EPF-MIS)
4. Systematic Investment Plan (SIP)
How can I join your team?
😊 We are recruiting aspiring and qualified talents to join our team. If you are interested to join us as a Public Mutual Unit Trust Consultant, pls check to see if you fulfilled the requirements below:
- MALAYSIAN who is above 21 years old with at least 3 credits in SPM or with any higher educational certificates such as Diploma, Bachelor’s Degree, and above.
- Able and willing to be coached and mentored. At the same time committed to learning by attending our online & physical training & workshops.
- Able and willing to search & have face-to-face meetings with prospective clients to help them with investment services. This includes providing ongoing long-term client advisory & servicing.
✅ If you have answered “Yes” to ALL the 3 requirements above, Congratulations! Feel free to let us know by sending a text or calling us directly 😃 We’re more than happy to help you come on board!
Contact Us Today
+6016-484 1280