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Muhammad Syamim

In Touch

A Monthly Curated Newsletter

As the world enters a recession, the upcoming year can pose a challenge for many due to increasing economic uncertainty, and the natural fears surrounding it. In this issue, we look at some trends and possible actions that can help us become more emotionally and financially resilient to not just ride out the challenges, but rise above them. I hope this gives us hope.

How to Be Happy in a Recession

Recession begets misery, which makes for more economic bad times. You naturally make the pattern worse by following your loss-aversion instincts. Although you probably can’t break the global economy out of this feedback loop, you can break yourself out of it. Start with the following three practices.

 
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Here are 8 ways to bulletproof your finances ahead of a likely recession in 2023

5 personal finance experts here give tips on how to protect your finances. Their recommendations include building up an emergency fund, trimming your regular spending and up-skilling

 
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How to Stay Optimistic During Hard Times

 
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I seek to reach out to people who believe in safeguarding the interests of their loved ones. Let me know if I can be of help to someone you know or care about. We can make a difference to lives when it matters most. Cheers.
 
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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Uwais (Firefighter)

I have known Syamim for more than 10 years. Despite our close friendship, he has always remained professional whenever we discuss topics on personal finance. Syamim has guided me not only in typical insurance and investments but also helped me plan through important milestones in my life such as marriage, renovations and family planning. I would definitely recommend engaging Syamim's services as his holistic and long-term financial planning has allowed me to live my life worry free.

Fazil (Teacher)

I appreciate Syamim's holistic way of doing financial planning. With his help, I have benefitted in learning on how crucial financial planning is to our lives, both current and for the future. Syamim is someone whom I will surely recommend to others who will greatly benefit by his friendly and assuring disposition. He is very approachable and provides excellent advice in his financial planning sessions.

Kashif (Teacher) & Salwa (IT Operations)

We knew Syamim to be very genuine, easy-going, and kind, which were attributes we were eagerly looking for in our Financial Advisor. Word of mouth through friends also revealed that he was exceptionally knowledgeable and wise regarding finance. So far in our experience with Syamim after working with him for more than a year, he has shown to have exceeded the very high hopes we had for him. Syamim has helped us understand finance and investments through very clear and concise explanations that help us to make much more informed decisions. He also has made very elaborate financial plans curated carefully for our own specific needs and financial situations. The care and thought he has put into planning our finance truly make us feel as though we are his only clients even though he has to handle a seemingly overwhelming number of financial portfolios and clients. His financial plans for us are very clear and manageable to execute. This helps us easily navigate the year with clear goals and methods he has taught us, to ensure financial comfort and security. An aspect we deeply appreciate too is that Syamim is never pushy or forceful of anything. He gives us the plain facts and allows us to pursue the insurance plans we desire. While other financial advisors may be persistent with trying to sell you a variety of insurance plans over time for their personal benefit, Syamim has never once tried to sell us anything more than the basic necessary plans we needed. His good character, extensive wisdom and knowledge in finance, and being someone who genuinely only desires the best for his clients, makes Syamim an absolutely must recommend for anyone looking to navigate the harsh world of financial planning. He will make the seemingly daunting experience of planning for your future, a simple and smooth one.

Khairulnizam (Business Owner)

Syamim is an outstanding advisor with an unmatched work ethic. He is empathetic to my financial circumstances and very detailed in his approach to chart a systematic plan towards financial stability and ultimately; freedom. If I can sum up Syamim in one word, it would definitely be 'PREPARATION'. Be prepared to take your first steps to a valuable life.

Syarof (Firefighter) & Seri (Dental Assistant)

We met in a sunday league football team formed during national service. At that time i was still in my early 20’s and didn’t really think that insurance was important. As the years passed, i wanted to know more about financial planning and why was it so important. Syamim was a familiar face hence the reason why i approached him. I have never regretted that decision ever since. Syamim would go the extra mile to explain things, be it by showing slides or by simply drawing on a piece of paper and always made sure that we had our priorities right and that it was fine to take everything one step at a time. He is an amazing FA and a great people person. As my wife sometimes have a hard time understanding, he would take that into consideration and workout a way and present us with our very own personalised portfolio while always ensuring that my wife would understand. I would definitely recommend Syamim as I believe that everyone deserve a FA that not only cares about us financially but also our well being. Always looking forward to having meetings with him as me and my wife can be ourselves and always feel that he always has our best interest. Looking forward to our next meet up with him!

Weijian (Pharmacist)

I met Syamim after being recommended by my wife I found the sessions with Syamim to be beneficial as being similar to our age, Syamim can relate and better advise us pertaining to the problems and goals that we have at this stage of our life. This experience is different compared to other financial planning sessions I had as Syamim spends a lot more effort and time to understand our situation and make pictograms and charts to explain his recommendation and advise to us! I would definitely recommend meeting Syamim, especially for young couples or couples-to-be, planning for marriage, family, BTO!