Hi there! My name is Emily and I live in Kuala Lumpur Malaysia, home of the Petronas Twin Towers. A multi-racial country of 28 million people, Malaysia is divided into Peninsular Malaysia (at the southern tip of South-east Asia) and East Malaysia (part of Borneo Island). It has great weather, rainforests & mountains, beautiful beaches, clear blue seas and THE best food in the world.
I’ve worked in the media/content industry in the APAC region, and am passionate about music and films. As far as music goes, I like listening to soul, funk, jazz and anything on a groove tip (Jill Scott anyone??) and I’ve really enjoyed movies directed by Wim Wenders, Woody Allen, Wes Anderson and recently, Alexander Payne (Sideways) and Michel Gondry (Eternal Sunshine)
My other passions are investments and astrology. I enjoy going to property launches and making up financial plans for family and friends alike (nerd!). I think a key ingredient to creating wealth is to increase one’s financial IQ. My financial education came from attending seminars, courses, reading books and testing out with a small online share portfolio – the best way to force oneself to learn! The quest to financial freedom continues for me…
An Aquarius with Cancer rising and Taurus moon, my progress in studying astrology has unfortunately been put on hold (for now) with too many competing pastimes……….!
Last but not least, I am a trained Chartered Accountant and Certified Financial Planner, but certainly not a licensed investment adviser. The contents of this blog are my opinions only, and not my recommendations. Please read my disclaimer for more on this.
If you have any questions, you can write me: mywealthplanner@gmail.com
Enjoy reading this blog 
PS. the pic is me in Jaipur India – most of the pics you’ll see in this blog are from my travels
August 30, 2006 at 3:37 pm
Hi Emily,
Wonderful blog!
September 1, 2006 at 2:03 pm
Great site! Keep up the good work.
September 8, 2006 at 6:21 am
Hi Emily, welcome to blogsphere. I believe this is the first blog on general investments(not just stocks) in Malaysia. You are also a rare female investment blogger. Welcome.
September 19, 2006 at 2:08 pm
Hello,
I have surfed on the net I have found your blog. It’s amazing.
October 2, 2006 at 9:33 am
Hi Emily, your blogs help me to understand the investment industry in Malaysia. Thank you to you and your effort.
Cheer…
October 5, 2006 at 3:11 am
Hi Emily, your blogs have been very interesting and simple to understand for investment idiots like me. Keep up the good effort.
October 21, 2006 at 10:53 am
Hey! Emily, Nice to see you picture , I am shirley from hongkong like to know you better and to know your business model .pls give call: 0082-92896362 shirley.
October 31, 2006 at 6:53 am
Hi Emily,
Nice blog. Finally a Malaysian page worth bookmarking!
December 2, 2006 at 5:02 am
Hello Emily. Been looking for this kind of blog.
December 26, 2006 at 5:56 am
This is cool..first of its kind in Malaysia..A place to start for a noob like me.
January 6, 2007 at 12:06 pm
Hi Emily,
One of your readers throw a good light on Profitiable plots , the land banking company from uk which was helpful.
And your blog is amazing.
Thanks
N.Ellango
http://benzeneinternational.blogspot.com
January 6, 2007 at 2:05 pm
Hi Emily, your blogs are very interesting and it has helped me to get a better understanding on malaysian reits. By the way, is there any website that i can visit to read more on m-reits, ie how to get listed, what are the procedures, documentations required for the submission etc….
Many thanks!
Rebecca ^_^
January 7, 2007 at 1:27 pm
Hi Rebecca, there are not many websites that I could find but I googled “REIT listing requirements” and was able to get the following link to the Malaysian Securities Commission’s guidelines on the topic – http://www.sc.com.my/eng/html/resources/guidelines/UTs/GL_REIT.pdf…it’s 224 pages long so quite a bit of info. Also if you’re serious about going ahead, then I suppose you should seek professional advise from trustee companies like OST Trustees who have experience with some of the previous Malaysian REIT listings. Good luck!
March 6, 2007 at 1:54 am
dear emily,
i was just wondering maybe u can help me by explaining the difference between ROI and ROCE…which i’ve searched via the web and i can;t find any difference!!
March 10, 2007 at 5:27 am
well…i just happen to bump into your blog accidentally and i think it’s pretty interesting as I am into investments or anything to do with $$$ …hehehe…
March 11, 2007 at 3:19 pm
hi Zarina – ROI is quite common – it means return on investment and refers to the money you make (capital appreciation plus income distribution) on your investment. Normally ROI is expressed as a percentage
ROCE – I’m not so familiar with. According to Investopedia it stands for Return on Capital Employed and is a ratio that indicates the efficiency and profitability of a company’s capital investments. The ROCE calculation is EBIT (earnings before interest and tax) divided by {total assets less current liabilities}.
Interpreting all this in layperson’s language, ROI is used to compare different types of investments eg equities, bonds, fixed deposits, buying a business etc whereas ROCE is a means to compare performance of different types of businesses and whether the business generates enough income or returns to cover its cost of capital (i.e. shareholder’s equity and borrowings)
April 26, 2007 at 4:12 pm
Hi Emily,
Indeed this is a great blog site. Keep it up. Thanks for sharing those great infos and insights.
May 3, 2007 at 7:53 am
Nice blog emily, just needed to know about unit trusts and how it works, i tried some invesment in the past and got my fingers burnt big time. I am not going to give up yet.
Any advise for a novice on how to choose a unit trusts ?
Kana
May 10, 2007 at 4:29 pm
Hi Kana thanks. I have written quite a bit about investing in unit trusts on this blog so if you have time, take a look under the Mutual Funds section. Some quick advice would be to do some research into the funds. Check out the special reports section of this site for funds that have performed well in the past, newspapers also publish performance reports eg Star Biz Week section. Be prepared to hold for at least 3-5 years. Start off small, and grow as you feel more comfortable. Happy investing!
May 15, 2007 at 2:27 am
Great info. It is fun to read your opinion on investment. Thanks!
June 11, 2007 at 4:13 pm
Financial astrology seems to be the thing on Walls street. Is tha fate of the market written in the stars? Am still wondering….
Scorpio
Codee
July 10, 2007 at 9:44 am
ur topic discussion quite interest for me and found helpful to me also…
but u may refer to my current blogs and mind to give some comments on its…
his is the latest investment news…hope u may enjoy viewing wif its..
http://dave-corner.blogspot.com/2007/07/public-mutual-to-launch-its-first.html
July 17, 2007 at 3:43 pm
dear Emily,
hi, would like to get your opinion on topic regarding financial planning.
frankly, i consider myself new bird in this field but i have huge interest on this.
lately i come across these two organisation on financial planning. FPAM (Financial Planner Association Malaysia) and CFP (Certified Financial Planner). Can you help to descrip the different between the two. if i would like to involve myself in financial planning. Which one should i go for?
thanks
July 20, 2007 at 11:04 pm
Hi Michael, FPAM is the association that you become a member of after you’ve obtained your CFP. CFP is an accreditation i.e. once you’re a qualified CFP you can use these letters after your name just like CA (chartered accountants) or other professionals do and practise as a financial planner. So in fact, they are one and the same. One good thing about the course is that you’ll meet plenty of others in the FP industry to help you decide which career path is the best one for you.
July 21, 2007 at 11:57 am
hi Emily,
thanks for the advice. i will register on the course asap. How long it took you to become a CFP? anyway, i found there are limited website for FP for Malaysia itself. do you have any recommendation on these website? have a nice day.
September 11, 2007 at 2:33 pm
Hi Emily,
Good blogs….. have put include into my favorites folder for futher reference and communication…. stayed in touch!!
keep it up…. alvin lean
September 13, 2007 at 5:14 pm
Hi Emily,
You have been writing about investment stuff I have been trying to figure out on my own the past year! Great site. Keep it up!!
September 14, 2007 at 10:29 pm
Hi Emily, i love your blog… it’s cool! Great stuff for the financial illiterate like me
September 18, 2007 at 2:01 am
Salute to a female investor like you.
September 27, 2007 at 10:59 am
Hi Emily,
very nice blog and very helpful specially on the mutual funds stuff. I am new here in Malaysia and luckily I found your site regarding what mutual funds I should consider. Keep on informing, helping and educating. Terima Kasih Banyak – rad
October 4, 2007 at 1:43 pm
Hi Emily,
Really good blog for invesment info.
I would like to investment in share market. Is’t right time?
Do u hv any good remiser contact number?
Great blog site. Keep it up.
October 5, 2007 at 6:04 pm
Hi Emily
I stumbled on your blog accidentally yesterday and must say that it was a very pleasant surprise. I am currently figuring out my investment strategies! Your blog has been helpful. Thanks!
October 23, 2007 at 7:15 pm
Hi Emily:
Like other people here, I stumbled on your blog accidentally last night when I was looking for some information on Mutual Fund…(basically I don’t like to surf net)…your blog is great, easy to understand. I have shared your blog with some of my friends that currently very keen in making $$. Thanks.
November 1, 2007 at 10:31 am
Hi Emily,
Keep up the good work..!! Nice blog..
November 12, 2007 at 11:59 pm
Found out your blog while reading other people’s blog.
Read a few posts of yours. Really informative. Will be coming back soon!
Keep up the good work!
December 15, 2007 at 1:21 pm
i recently register my CPF course, i knowing that,there are 6 module on it. i will try the module 1 on Jan 2008. Any question i will come to u, hope u would’t mind. i love your blog.
Pan
January 5, 2008 at 11:07 pm
Can i ask why you had to remove the PP posts ?
January 7, 2008 at 10:21 pm
yes…got a bunch of harassing emails…from someone purporting to be their rep…for the strong comments…
January 15, 2008 at 8:34 am
Just wondering because thats what i was getting as well.
January 15, 2008 at 6:35 pm
wonderful website. continue to educate, emily! u’re doing the right thing.
February 26, 2008 at 1:42 pm
hye emily,
it was really kind of you to take some of your time and teach us this managing money skills.
Good effort!! Really appreciate it and hope that you will keep on writing ^_^…
March 6, 2008 at 10:14 pm
March 19, 2008 at 9:13 pm
Added your site into Malaysia Finance Search Engine (http://www.google.com/coop/cse?cx=014279744107172327251%3Afw3ftqrxn8u)
April 9, 2008 at 10:09 pm
Emily! Update your blog more often! Hehe
July 5, 2008 at 6:03 pm
I am looking for a financial planner and I can be contact at 019-2430173
July 10, 2008 at 7:58 pm
Hi, i’m in my mid 20s. I never saved before this, but the reality of paying up my education loan really bites me hard.. I’ve just woke from my imprudence & low financial IQ mentality and now i’m resolved to take steps to control myself financially. I’m just starting to learn what is financial planning is all about and i hope this would be the start for me to achieve financial independence one day. Thank you for the wonderful blog you have created.
September 11, 2008 at 12:01 pm
I am a private investor based in the United Kingdom. I focus on seed capital, early-stage, start-up, ventures, LLC and all round completion and expansion of investment projects that need funding. I am interested to invest in your company on a long-term business relationship. If this is alright with you kindly get back to me with more details about your company. Dr. Frank Morgan.(Individual/Angel investor)
October 30, 2008 at 12:57 pm
Hi Emily, I’m Malaysian and I’m very interested with Henderson Global Investors planned. How I want to get more information about it. Can you help me…….TQ
April 13, 2009 at 10:38 pm
Hi Emily,
I am still blurr in investment but going to retire in a couple of years.Need help please. only investment I got are EPF withdrwal to buy Public Mutual Funds.Could you recommend some reading items/books please.your help would be very much appreciated….TQ
May 5, 2009 at 2:21 am
emily,
If you want to add Facebook or email sharing buttons to your blog posts, there’s a plugin that does it for you:
http://tinyurl.com/sharebuttons
Hope you find it helpful!
Cheers,
Jerry