Client Financial Health Check | Semakan Kesihatan Kewangan

STEP 1 OF 5

Let's start with you

A little context helps us make the conversation relevant to you.

What should we call you? *

Your age

This helps with time-based goals.

Occupation (optional)

Current situation

People who depend on your income

State / area (optional)

Privacy note

Please do not enter account numbers, passwords, identity-card numbers or other highly sensitive details. Your answers are used to prepare this discussion summary. This version does not send your answers to a server or save them after you close or refresh the page.

STEP 2 OF 5

Your monthly money

Approximate take-home amounts are absolutely fine. Enter RM amounts.

Monthly take-home income

Other monthly income

Essential monthly expenses

Housing, food, bills, transport and essentials.

Lifestyle / other expenses

Monthly loan / debt payments

Car, personal loan, credit card, study loan, etc.

Amount you save or invest monthly

How does your monthly budget usually feel?

ComfortableManageable, but tightOften difficultNot sure

Tip: if your income changes each month, use a cautious average rather than your best month.

STEP 3 OF 5

Your savings and commitments

This helps estimate your financial buffer and overall position. Skip anything you do not know.

Cash / savings you can access quickly

For example, bank savings or cash you can access easily.

Investments outside EPF

For example, ASB, unit trusts, shares or ETFs.

Approximate EPF / KWSP balance

Other assets (optional)

Only include a rough value if you know it.

Approximate total outstanding debt

Outstanding balances, not monthly instalments.

Do you have insurance / takaful protection?

What worries you most financially right now? (optional)

STEP 4 OF 5

Your goals and investing

There are no right or wrong answers. This helps us understand what matters to you.

Which goals matter to you? Choose any that apply.

Emergency fundGrow my savingsBuy a homeFamily / educationRetirementPassive incomeStart a businessOther

When might you need this money?

How familiar are you with investing?

Imagine RM10,000 you invested falls to RM8,000 during a market downturn. What would you most likely do?

Sell to protect what is left — losses make me very uneasyFeel worried, but hold and review my planStay invested because I understand markets can fluctuateConsider investing more if my finances and plan allowI'm not sure yet

Your answer helps us understand your comfort with risk; it is not a formal suitability assessment.

Anything else you'd like help with? (optional)

Investment options should only be considered after your needs, time horizon, financial capacity and suitability have been properly reviewed.

YOUR SUMMARY

Your financial snapshot

Here's an estimate based on what you entered. Use it as a starting point for a conversation, not a score or judgement.

Estimated monthly balanceRM—Income less entered outgoings and savings

Monthly savings rate—Savings ÷ take-home income

Savings buffer—Accessible savings ÷ essential expenses

Estimated net worthRM—Entered assets less outstanding debt

Your summary will appear here.

YOUR INVESTOR STYLE · EARLY INDICATION

What to focus on next

This is an educational starting point, not an official investor classification. Your goals, time horizon, emergency savings, ability to absorb losses and investment experience also matter.

Want help making sense of your results?

Chat with Nasrul Hakimi about your financial goals and possible next steps. Your survey answers are not sent automatically.

Chat with Nasrul on Telegram ↗

This self-check is for educational discussion only. It is not financial advice, a formal risk assessment or a product recommendation. Figures depend on the accuracy and completeness of your answers.