Tuesday, April 29, 2008

The Best Deal in Town - Maybank Etiqa Takaful

Finally after a few months of research and comparing various banking products, i've come up with the most suitable and best deal in town - Maybank Etiqa Takaful.

As a 21 year old chap, living on a scholarship of few hundred buck a month, i've been searching high and low for the best investment (for my condition) for months... Since working part-time for Digi last year, manyy agents from different banks have approach me to be their agent, e.g. Public Bank (Mutual Fund), Maybank, Multi-level-marketing and some insurance company...


After listening and doing my homework, i decided to go for :

The best choice for me (and you)

So i took the trouble to go back to JB last Friday and started work on Saturday and Sunday... I am under Khrist, my former suprevisor (during my stint with Digi)... At first i know roughly the whole picture and way of running it... However, i knew i had to do it myself practically to understand the whole thing throughout. So at the end, i ended up standing in a shopping center in Pontian (the whole of JB is booked, we had to go until Pontian!!!) for two days... Getting shoo-ed and rejected by passer-by as i approach them!!!

Can you imagine the frustration? You know, stand at a counter from 12.00pm till 10pm (10 hours)? But i knew can only learn the "inside" and "untold condition" of the savings... Mind you that everyone there payed RM 40/ day to rent that counter, and all of us have no basic (salary)!!! Can you understand my frustration... Promoter's life is a tough one!

I faced great adversity because i am a newby. I'd to learn from scratch.. Not everyboday was free to teach me. You know in business, everyone is very realistic. Everyone paid the rent, so everyone is trying their best to pull customers... It was an eye opener for me! Few of them were - terrific!!! You know i was looking at agents who earn 5 digit /month! More than an engineer can earn?

Flora was the top-sales agent for the weekend... Rm40K during the whole road show!
She is a sales phenomena...

I feel rather vindicated as Public Mutual Fund counter were just beside us... You be the judge yourself!

This Public Mutual guy rent a counter to "kill mosquito"???

The Maybank party was on full-strength. I dare say this Maybank Etiqa Takaful stands out broadly against other banking savings and Public Mutual Fund because:
- the only Islamic banking product for non-malay (Non-Malays can get the equal benifit)
- takaful = savings (75% savings, 25% invest by Maybank), you are saving money for a great amount of interest, you are not investing everything
- no sur-charge (government, service, and etc. tax) when you do a saving...
- lowest risk (a great record, with government connection) with highest return in the market (8-12% / year)
- there is a life coverage for all (save RM100 and get RM 200,000K if anything happens to me (@ 21 years old), e.g. ding dong chiang)
- EPF is no where near (just increase to 5% and everyone is hurray-ing)...
- insurance saving are worst, they have lots of hidden charges and will deduct your savings when you stop depositing your cash!

And he is killing flies now, look at the Maybank counter!

I chose Maybank Etiqa Takaful because of the arising trend of Islamic banking product around the globe. It's a new trend growing very fast and i want to grasp this opportunity to save and invest my money with it!

Basically i am a rather broke student, with some savings and a few fixed-deposit (only 3.5%/year). I decided to throw in RM100/month, and let's see what 's going to happen!

Of course i am very optimistic with this! And if anyone of you are interested want to know more about it, i am more than willing and straight-forward-ly explain the whole system and terms to you (no strings attached)! I am in the process of becoming a certified agent!

Where got time to "kill mosquito"?

SAVE when we are young! Seize the opportunity!

Both days i came home at 1.00am (1 hour journey and postmortem). It was 2 really tough days, but i am glad i learned from outside-in and inside-out. Great experience!!! Treat promoters nicer ya!

Yesterday was mom's big day! I got a cake for her and we had a simple birthday song for her... She's the best mom on earth!!! She had always looked after us without any complains and with great patience..

A superb teacher in school with great experience, who is every students good friend. She's also the schools netball team manager. Many people "advice" her to teach tuition (seems she is in great demand), but she said she rather teach her own children... But never set any expectations for the four of us... I have her shadow when i do my presentation...

Argh, how can i don't try my best???


I'll be always there mom!!!

So it was an eventful weekend for me.

Ps: Liverpool FC are going to Stamford Bridge this Wednesday against the odds...I won't doubt Chelsea are on form (after beating Man U) but i have faith in Rafa, Stevie, Torres, and co. Good luck to the Reds, You'll Never Walk Alone!

19 comments:

Anonymous said...

hi there.. thks for ur sharing.. Maybank Etiqa Takaful is indeed life Insurance.. u cant really treat it as saving.. However it's meant for protection... u cant get liquidity when all ur $ is locked solely by INS (protection).. u need to diversify instead of put all eggs in one basket..
After all, wat's the point to save while u cant really get ur liquidity that u wan?

cheers ;)
Ms lun lun

MuZRaM said...

hi bro, i was thinking of trying out the etiqa cyber agent thing, http://www.etiqa.com.my/index.php?ch=agent&pg=takaful_etiqacyberaqent&tpt=4

but i have no idea what i would have to do once i become an agent(method of send product to customer/maintenance/etc.). care to give me some pointers? :)

the crusader said...

Hi MuZRAM,

to be honest, i din really come across this online agent thingy before this. I joined the "ordinary agent" and work "ordinary-ly".

I guess being a cyber agent will make life much easier, but i doubt ppl would do business with u, juz by chatting and emailing u tru the net. (Even if it's to

y not contact Etiqa Oneline Contact Centre: 1-300-13-8888.

Anythng i can help juz let me know.

gud luck.

Anonymous said...

Friend,

I understand your frustation on searching for the best low and high investment. I am also same as you previously, however every company have its own strength & weakness.
Thus before commenting others, we should understand fully the other features first before judging a person thru a cover.
I am feel you are an agent or your relative is as a agent, thus your comment are not justify here.
Please do not promote only single product.

Anonymous said...

Friend,

I understand your frustation on searching for the best low and high investment. I am also same as you previously, however every company have its own strength & weakness.
Thus before commenting others, we should understand fully the other features first before judging a person thru a cover.
I am feel you are an agent or your relative is as a agent, thus your comment are not justify here.
Please do not promote only single product.

Anonymous said...

Friend,

I understand your frustation on searching for the best low and high investment. I am also same as you previously, however every company have its own strength & weakness.
Thus before commenting others, we should understand fully the other features first before judging a person thru a cover.
I am feel you are an agent or your relative is as a agent, thus your comment are not justify here.
Please do not promote only single product.

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might , perhaps curious to know how one can reach 2000 per day of income .
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AimTrust is what you need
The company represents an offshore structure with advanced asset management technologies in production and delivery of pipes for oil and gas.

Its head office is in Panama with offices everywhere: In USA, Canada, Cyprus.
Do you want to become an affluent person?
That`s your choice That`s what you wish in the long run!

I`m happy and lucky, I started to take up income with the help of this company,
and I invite you to do the same. If it gets down to select a correct companion utilizes your savings in a right way - that`s AimTrust!.
I take now up to 2G every day, and what I started with was a funny sum of 500 bucks!
It`s easy to get involved , just click this link http://mexopuwyw.lookseekpages.com/hihyky.html
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