A special gift for you 

Essentially, this is the part which I wanted to share with you as a gift for 2021 after you fill in some of your information. I know most of you don’t have your information with you, but what I want you guys to do is to do a guesstimate. So I’ll walk you through the instructions later and once you submit, then you’ll get a report personalized to you. In fact, this gift in our engagement with our clients, we actually charge about 1500 ringgit. The 1500 ringgit is composed of two parts you know. So for this part, which is part one, this is my gift to you guys you know worth 750 ringgit. So I want you guys to pay close attention if you find that is something that is going to be helpful or if you are in a similar situation. 

How to check your MND percentage

So I’m going to give you two examples here. One is that you’re going to get a result, which is that your MND percentage is below a hundred percent. And the other one, of course, naturally is above 100. So, what does below a hundred and above a hundred mean, right? So let me just share with you step-by-step. So below a hundred, it basically means that you can see here under accumulator of wealth or average accumulator of wealth as compared to this person, right? You can see his total assets is 2.6, his total liability is 773 and his current networth is 1.8 is only expected based on his income and age of only 882 thousand. So his percentage is above 100 percent which is 208. And this guy is actually growing his assets very well.

Humble MND Calculator

This is my humble calculator, which we develop ourselves. And I’m just going to go through quickly so that you guys understand how to do it and you can do it at your own pace at your own time, at your own space, but most importantly, you need to be able to key in the right address because if you key in the wrong address, then your report will never be sent to you. If your age, let’s say, for example, if your birthday is 31st, December and your age 30, so right now, you should be age 29, So you want to key in the current age that you have, which is 29. 

Over here annual income you want to key in let’s say you are earning 10,000 per month, you want to annualise it times 12. You want to key in a 120,000 here Then you click next. Now this part, as I said, I know that all of us don’t have all the numbers with us. It’s okay. Just do a guesstimate but later when we know your numbers, more accurately, you can redo this exercise as many times as possible. So, if you want to key in your EPF, this EPF should consist of Account 1 and Account 2. A lot of people forget that the majority of the assets are in the EPF. 

If you start investing, unit trust, shares or property, you want to put the market value. So for example, you invested 10,000, right? And then right now, the market value of the unit trusts say for example is 20,000, you want to put 20,000 here, same goes for your share, and same goes for a property. So in case, some people ask about the property, where should I put it? I bought it at 300,000 but the value right now says now 400,000 so you put the 400,000 amount anything that doesn’t fall into this 4 key category, you just lump it up and the other assets. Because you have your gold, cash and some of you have Bitcoin. 

This is the part where you key in the liability. Again, I know that you guys don’t have the number, let’s do a guesstimate. So for example, if some of the people who are more hardcore property investor, they have like five housing loan, You want to put your current outstanding amounts in say for example, you got that property, your loan originally was 400,000 but right now, after paying it you only left back with over 200,000, you want to put a 200,000 here. And if you’ve got five, you multiply times 5, so you put a million here. 

The same goes for personal loans, car loans and other loans. You want to put your current outstanding amount, I know you don’t have the amount, just put a rough estimate you know once you click submit then you want to check your spam folder because after two minutes if you still don’t get in the inbox you should get it in your spam folder, And from there you’ll be able to go back to this screen to see whether you are, a hundred percent above or below.

If you guys are keen to do this exercise, you can just scan the QR code, if not, you can just click on this link https://tinyurl.com/MNDCalc