Service Overview

Since your child’s education costs span many years, efficient fund management is important. We recommend optimal investment methods tailored to your asset situation and goals, including Malaysia’s high-interest fixed deposits, savings insurance, and education fund plans.

Benefits of Asset Management in Malaysia

High Interest Rates: Fixed deposit rates are about 5-10 times higher than Japan (3-4% annual interest)
Ringgit Holdings: Reduces exchange risk as it can be used directly for tuition payments
Tax Benefits: Some insurance products are eligible for tax deductions
International Diversification: Risk diversification through holding assets other than Japanese Yen

Recommended Plans

1. Fixed Deposit

Interest Rate: 3.0-4.0% annual interest (1-3 years)
Minimum Deposit: From RM10,000
Benefits: Principal guaranteed, definite growth at maturity
Recommended Banks: Public Bank, CIMB, Maybank

2. Education Savings Plan

Features: Save a fixed amount monthly, receive lump sum at maturity
Monthly Savings: RM500-2,000
Maturity: Choose from 10, 15, 18 years, etc.
Benefits: Includes death coverage, tax deductible

3. Unit Trust (Investment Funds)

Expected Return: 5-8% annually (market dependent)
Minimum Investment: From RM1,000
Risk: Medium to High (principal not guaranteed)
Benefits: High returns expected long-term

Investment Simulation Example

Case: Preparing RM500,000 (approximately JPY17,500,000) in education funds over 10 years

Fixed Deposit: Invest RM45,000 annually at 3.5% → RM530,000 after 10 years
Savings Insurance: Save RM3,500 monthly for 10 years → RM500,000+ insurance at maturity
Unit Trust: Invest RM40,000 annually at 6% → RM530,000 after 10 years

Support Services

Financial Plan Creation: Analyze your child’s grade, expected tuition, family income and expenses
Investment Plan Proposal: Multiple proposals tailored to your risk tolerance
Financial Institution Introduction: Introduce reliable banks, insurance companies, investment firms
Contract Support: Interpretation and document preparation support during contract
Regular Follow-up: Investment status confirmation, review consultation

Important Notes

Financial products carry risks. Products without principal guarantee (such as unit trusts) may result in losses due to market fluctuations. Our company recommends optimal plans after thoroughly assessing your risk tolerance.

Asset Management & Education Planning