{"id":13,"date":"2026-05-28T01:52:47","date_gmt":"2026-05-28T01:52:47","guid":{"rendered":"https:\/\/www.jtgroup.my\/YokPhoo\/home\/"},"modified":"2026-06-16T07:17:42","modified_gmt":"2026-06-16T07:17:42","slug":"home","status":"publish","type":"page","link":"https:\/\/www.jtgroup.my\/fanghaw\/","title":{"rendered":"Home"},"content":{"rendered":"\n
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JTG 2026
All Right Reserved<\/p>\n\n\n\n

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We look at the data. We Simplify the strategy. You build the legacy<\/h2>\n\n\n\n
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Fang Haw, Teh<\/h2>\n\n\n\n

Unit Trust Consultant
Private Retirement Scheme Consultant<\/p>\n\n\n\n

FIMM Reg. No.: F01097180<\/p>\n\n\n\n

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About<\/strong><\/h2>\n\n\n\n

With experience in the financial services industry, I specialize in helping individuals with their retirement and investment planning needs. 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.<\/p>\n\n\n\n

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FIMM Reg. No.: F01097180<\/p>\n<\/div>\n\n\n\n

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Contact Me<\/a><\/div>\n<\/div>\n\n\n\n

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\/<\/a><\/em><\/p>\n\n\n\n

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The Framework for Smart Wealth Architecture<\/strong><\/h2>\n\n\n\n

We combine institutional access, disciplined execution, and global asset diversification to maximize your long-term retirement potential without disrupting your current lifestyle.<\/p>\n\n\n\n

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Capital Optimization<\/strong><\/h3>\n\n\n\n

Unlock Your Hidden Global Capital<\/p>\n\n\n\n

Did you know you can invest in global markets without touching your monthly salary or emergency savings?<\/p>\n\n\n\n

Under the EPF Members Investment Scheme, if your Akaun Persaraan<\/strong> (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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

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.<\/em><\/p>\n\n\n\n

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Strategy<\/strong><\/h3>\n\n\n\n

One disciplined approach is Ringgit Cost Averaging (RCA)<\/strong>, which involves investing a fixed amount at regular intervals to help manage market volatility.<\/p>\n\n\n\n

Some investors try to “time the market”\u2014waiting for the absolute lowest point to buy. In reality, even professionals cannot predict the exact bottom.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

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Title: Currency Diversification<\/strong><\/h3>\n\n\n\n

Currency Diversification with Gold\u3002<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

To potentially diversify your portfolio, we may consider including the Public e-EMAS (PeEMAS) series as part of a broader strategy.<\/p>\n\n\n\n

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Contact<\/strong>:<\/p>\n\n\n\n

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Public Mutual Damansara Perdana Branch
1 & 3, Jalan PJU 8\/5 I
Perdana Business Centre
Bandar Damansara Perdana
47820 Petaling Jaya, Selangor.<\/p>\n<\/div>\n<\/div>\n\n\n\n

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+6017-3224521<\/p>\n<\/div>\n<\/div>\n\n\n\n

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fanghaw@jtgroup.my<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

About With experience in the financial services industry, I specialize in helping individuals with their retirement and investment planning needs. 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. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"no-title","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-13","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.jtgroup.my\/fanghaw\/wp-json\/wp\/v2\/pages\/13","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.jtgroup.my\/fanghaw\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.jtgroup.my\/fanghaw\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.jtgroup.my\/fanghaw\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jtgroup.my\/fanghaw\/wp-json\/wp\/v2\/comments?post=13"}],"version-history":[{"count":35,"href":"https:\/\/www.jtgroup.my\/fanghaw\/wp-json\/wp\/v2\/pages\/13\/revisions"}],"predecessor-version":[{"id":120,"href":"https:\/\/www.jtgroup.my\/fanghaw\/wp-json\/wp\/v2\/pages\/13\/revisions\/120"}],"wp:attachment":[{"href":"https:\/\/www.jtgroup.my\/fanghaw\/wp-json\/wp\/v2\/media?parent=13"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}