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Muhammad Syamim

In Touch

A Monthly Curated Newsletter

There are just too many things that we know to be good for us, but have not yet become a part of us. Applying wise financial habits may be one of them. Here are some to learn about by seeing them from the eyes of a very successful woman - Oprah Winfrey. Change requires conscious efforts. I hope some of these thoughts will begin to be a blessing in your life. Cheers.

The 3 Best Pieces of Financial Wisdom From Oprah Winfrey

From movies to books to TV shows, it seems that everything Oprah touches turns into gold. There's a lot that we can learn from Oprah, so here are her three best pieces of financial wisdom.

 
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19 Personal Finance Tips You Were Never Taught—but Need to Know

We asked half a dozen personal finance experts the best tips they could share that most people are never taught. Here are the money-saving and wealth-creating tips they revealed exclusively for Reader’s Digest.

 
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Financial Advice From KIDS

 
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Muhammad Syamim
 
 
 
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DISCLAIMER

These newsletters are meant for daily general reading and are not representative of my own individual opinions

© Muhammad Syamim, All rights reserved.

Testimonials and Referral Notes

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Nasruddin (DevOps Engineer)

I've known Syamim during our NS days and he's a very kind and approachable person. I would definitely say one of the benefits of meeting him is the idea of retirement planning especially at our age right now. The saving structures and systems he comes up with is also beneficial. Not too hard, neither is it too insignificant. Easily said, Syamim doesn't hard sell you anything. Knowing him , all he ever wants to do is to help people out financially. Obviously he can't give you the fish. He'll teach you how to get them, especially on how to manage your finances. That's what I've been looking for after all these years of searching. I would most definitely recommend Syamim to my friends. In fact I have list of names to recommend him to. If he's not anywhere near my standards, I wouldn't even consider recommending. By far, he is the most understanding, professional and hard working adviser I've known. Thanks for helping me out a lot Syamim. Especially taking so much of your time to plan for me financially. Going out of your way just to schedule a time slot with me. Really appreciate all your kindness and may you succeed in in this life and the hereafter.

Irufan (Civil Servant)

Once I graduated and started working, I knew insurance and wealth management was important but I never knew how to go about doing it and who I should trust. I was open to the idea of meeting Syamim but I did not want to commit at first because of the stigma of insurance agents and hard selling. But after the first session, where Syamim sat down, planned out everything for me, he was honest and never hard selling. He prioritised what I wanted to achieve and he told me how I can go about achieving it. He always advised and gave his inputs on the pros and cons of the different actions I could take but he would always let me decide. What I really appreciate is the attention he pays to me as a client. He goes through my commitments, my cash flow, my goals, needs and wants and he breaks down everything in front of me. He logically explains things that other agents tend to ignore. The focus on others is always “take this plan” “take that plan” but never really tailored to your own lifestyle needs. I feel assured at the end of my yearly review sessions and I do not feel so lost as if I’m planning my life alone. For young adults, those that are trying to find their footing, I would definitely suggest meeting Syamim. His professionalism is excellent and his attention to detail to me as a client is second to none. I think it’s quite rare to get professionals like Syamim.

Kaif (Undergraduate)

Syamim is a fantastic financial adviser. He was recommended to me by a friend of mine that was already enlisting his help. My friend explained to be briefly the benefits and peaked my interest. I contacted Syamim soon after and we set up a virtual meeting to discuss in detail what he offers and how he can help me. Despite me being only 20 years old then, Syamim treated me as he would any other client. He never took and advantage of my age or lack of knowledge and considered things for me that I would not have batted and eye to. He thoroughly explained to me the concepts and services that I could receive with his help. He also helped me visualise a financial plan that I know will help me for years to come. He did not hard-sell any of the services and did not pressure me into making a decision. I always felt as if I was in control of my decisions and that gave me the confidence to invest. It has been an extremely pleasant experience and I have and would recommend this meeting to many others that are interested.

Rauf (Safety Professional)

I was introduced to Syamim through recommendations from my close relatives, and the fact that he works closely with my family members made the experience feel much more connected and trustworthy. One of the key benefits of working with him is having clear visibility on where I currently stand financially and what areas to focus on for upcoming years. I’m also very impressed by the small but thoughtful touches—such as greeting cards, birthday wishes, and year-end gifts—which show genuine care beyond just the professional relationship. The yearly reviews are especially valuable and something I truly appreciate, as my previous agent did not maintain this level of follow-up after the first year or two. I would definitely recommend Syamim to my family and friends.

Pau (Software Engineer)

I have met many financial consultants, but I have not come across someone as invested as Syamim in educating his clients. He is very knowledgeable and provides advice according to our goals in life, with a detailed blueprint on how to achieve them. I find the regular meet up sessions to review my finances to be the most beneficial as it allows me to reflect on my financial journey so far and adjust accordingly when needed. In addition, he keeps track of my finances to keep me accountable. Syamim's sessions are different from other financial planning sessions I went through so far as all of them tend to focus on selling their products rather than enrich me with knowledge in accordance to my unique situation. I would definitely recommend this meeting to others!

Carlo (Engineer)

I met Syamim for a financial planning consultation, learnt a lot about financial planning and setting goals. He has helped me plan for my personal milestones through an excel and it has allowed me to keep track of my progress as well as know how much exactly to save/invest in order to meet my goals. Highly recommended for anyone who wants a detailed and personalized financial plan.