2026 All Right Reserved.
Working Towards Your Retirement and Financial Goals
Yok Phoo
FIMM Reg. No.: F02015343
Million Ringgit Producer | Agency Supervisor | NSC Qualifier*
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*Million Ringgit Producer and NSC Qualifier are internal sales achievement recognition titles. Past sales performance does not indicate future investment returns and does not guarantee capital safety.
About
With experience in the financial services industry, I specialize in helping individuals with their retirement and investment planning needs. My commitment to service and dedication to my clients’ financial journeys have led to professional recognitions, including Million Ringgit Producer* status and qualifying as an NSC Trip Qualifier*.
As part of my service, I help clients consider their options for cash investments and EPF savings through the EPF Members Investment Scheme (MIS), aiming to align choices with their personal financial goals.
FIMM Reg. No.: F02015343
I’m FIMM-registered Unit Trust and PRS Consultant representing Public Mutual Berhad. You may verify my registration status at the official FIMM portal: https://www.fimm.com.my/search/
*Million Ringgit Producer and NSC Qualifier are internal sales achievement recognition titles. Past sales performance does not indicate future investment returns and does not guarantee capital safety.
The Framework for Smart Wealth Architecture
We combine institutional access, disciplined execution, and global asset diversification to maximize your long-term retirement potential without disrupting your current lifestyle.
Capital Optimization
Unlock Your Hidden Global Capital
Did you know you can invest in global markets without touching your monthly salary or emergency savings?
Under the EPF Members Investment Scheme, if your Akaun Persaraan (formerly Account 1) exceeds the basic savings requirement for your age, you are eligible to reallocate 30% of that surplus into high-growth global funds and gold.
This strategy uses existing EPF savings and does not require additional cash from your personal bank account. You are simply reallocating a portion of your EPF savings into selected global funds, subject to your risk tolerance.
Important Risk Warning: EPF Member Investment Scheme (MIS) investments are subject to market risks. You may incur losses, and the invested amount cannot be transferred back to your EPF account until the statutory retirement age.
Strategy
One disciplined approach is Ringgit Cost Averaging (RCA), which involves investing a fixed amount at regular intervals to help manage market volatility.
Some investors try to “time the market”—waiting for the absolute lowest point to buy. In reality, even professionals cannot predict the exact bottom.
Title: Currency Diversification
Currency Diversification with Gold。
In today’s economic climate, leaving your entire retirement portfolio exposed to a single fiat currency can be a silent risk. Inflation and global currency fluctuations can slowly erode the purchasing power of your hard-earned ringgit.
To potentially diversify your portfolio, we may consider including the Public e-EMAS (PeEMAS) series as part of a broader strategy.
Contact:
Public Mutual Damansara Perdana Branch
1 & 3, Jalan PJU 8/5 I
Perdana Business Centre
Bandar Damansara Perdana
47820 Petaling Jaya, Selangor.
+6012-2627528
