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Muhammad Syamim

In Touch

A Monthly Curated Newsletter

It's been a while since the subject of Retirement was discussed. In this issue's video, it's quite interesting to see how children have different ideas about Retirement. I'm sure all of us have our ideas as well. Yet life can mercilessly erode these dreams. But not if we are really serious about them. So how serious is your retirement dream?

Retirement Date Risk And Sequence Of Returns

Sequence of returns risk is a commonly cited risk for retirees, but an accumulator also faces sequence of returns risk in the form of retirement date risk!

 
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Key to retirement planning: Don't panic

It can be hard to live within your means after retiring, so make your extra funds work harder.

 
read more
 

Children and Retirement

 
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I hope you have enjoyed this issue of my InTouch newsletter. Do feel free to contact me if I can be of service to you and your friends
 
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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Shafiq (Civil servant) & Hidayah (Healthcare)

Syamim has been a great help to our family when it comes to financial planning. Although we both knew each other personally, he showcased his professionalism and dedication in his work. He will always come prepared for the meet up sessions and has been excellent in planning for our future family goals. Syamim has made us understand better when it comes to insurance and investment and gives very good advice. He is definitely the modern day kind of financial advisor you would not want to miss out on. A very thoughtful and respectful individual too.

Arshi (News Editor)

I was recommended to meet Syamim by a family member, and I’m really glad I did. Our meetings are always informative—I’ve learned so much about improving my spending habits and growing my savings. What stands out most is Syamim’s honest and candid approach; he genuinely prioritises your well-being and comfort, which makes the whole experience feel personal and trustworthy. Compared to other financial planning sessions I’ve had, this one felt much more tailored and sincere. I would absolutely recommend meeting Syamim to anyone looking for clarity and confidence in their financial journey.

Prakash (Teacher)

Syamim took the time and effort to find out about me and my needs. Thus, he was able to make good recommendations. I learnt quite a bit on how to track my spending and budget accordingly with my savings and investments in mind in order to reach my personal financial milestones. He was very frank and was not pushy which made me very comfortable with him. I would recommend him to my friends.

Hakim (Teacher)

When looking for an FA, I wanted someone who would be able to value add to my knowledge and Syamim was able to do just that. His extensive knowledge on financial planning and patient demeanour made it a no brainer to choose him as my FA. On top of that, Syamim never fails to ensure my queries are answered promptly and is proactive in offering a variety of solutions, including ones that may not be related to the products he is offering. From his actions, it is clear that Syamim’s intentions lie in looking out for his client’s financial well-being and not solely for his personal gain. The financial roadmap Syamim provided was useful in helping me visualize the various financial milestones, and this was accompanied by his recommendations of a financial plan tailored to my needs/goals. Beyond the first meet-up, Syamim regularly checks in and provides yearly reviews to ensure that my evolving financial needs are constantly being attended to. Syamim has been a joy to work with. Do not hesitate to contact him for your financial needs!

Diyana (Lawyer)

I decided to go with Syamim compared to other financial advisors as he was strongly vouched for by one of my closest friends, and I truly needed someone who's able to understand my predicament at that material time! I like the fact that Syamim never once pressured me to buy a policy that's beyond my age. At times there were considerations which I raised to him, and he'd succinctly advised me against it as my position doesn't allow / necessitates me to consider such considerations. Syamim is someone who truly understands how finances interplays with insurance - he's not one of those who just regurgitates whatever that was taught wholesale to him during his financial advice training, since he himself is involved with stocks. He has your best interests in mind! I would definitely recommend meeting Syamim! For people who are of different industries than Syamim, there's no need to fret! Personally, he was able to simplify things for me whilst being able to capture all the necessaries - this is a key sign that one truly knows their products and clients' interests. He doesn't judge as well (a key thing for me), and would instead advise on what's the best path moving forward.

Khai (Lawyer)

I met Syamim based on strong recommendations from friends he had previously advised, and their confidence in his track record immediately gave me assurance in his services. The most beneficial aspects of our meeting were the in-depth financial planning around my personal goals and his deep knowledge in tailoring financial products specifically to my situation. What truly set this experience apart from other advisors I’ve met was that Syamim was never pushy—he focused on understanding rather than selling. He is also extremely contactable and responsive to my queries, no matter how big or small. I would confidently recommend meeting with Syamim to anyone looking for clear, personalised, and trustworthy financial advice.