Enter promo code HELLO2021 to receive a 20% rebate on your first year's premium.
The following Terms & Conditions shall apply to Fi Life Sdn Bhd’s (“FIL”) YEAR-END 20% REBATE PROMOTION Campaign (“the Campaign”) which shall be held from 9:00AM on 08/12/2020 until 11:59PM on 10/01/2021 (hereinafter referred to as “Campaign Period”).
By participating in this Campaign, you hereby agree to be bound by the following Terms and Conditions.
The Campaign’s Terms and Conditions shall only apply to purchase made during Campaign Period.
Campaign Mechanics
A valid “promo code” (obtainable from FIL’s website, events, advertisements or other sources) must be entered by an eligible participant (“Participant”) during the purchase of Life Insurance or Personal Accident Cover (“Policy”) for this offer to be valid.
During the Campaign Period, Participants will be given 20% rebate on their first year’s premium (“the Reward”).
The applicable Rebate is only payable to the cardholder (“Payor”).
The Payor will receive the applicable Rebate within 45 days after the Campaign Period.
The applicable Rebate is withdrawn and will no longer be valid if Participant cancels the Policy within the 15 days free look period.
The applicable Rebate will be paid to the Payor via direct bank transfer.
Participant is expected to provide Payor’s bank details when asked by FIL, for the purpose of rebate payment via direct bank transfer.
The applicable Rebate is not exchangeable or replaceable under any circumstances.
General
By participating in the Campaign, Participants are deemed to have agreed to be bound by these Terms & Conditions. FIL’s decision on all matters relating to the Campaign is final, binding and conclusive. No correspondence, queries or appeals will be entertained.
FIL reserves the right to cancel, terminate, suspend or extend the Campaign with or without any prior notice. For the avoidance of doubt, cancellation, termination or suspension by FIL shall not entitle any of the Participants to any claim or compensation against FIL for any losses or damages suffered or incurred by the Participants as a direct or indirect result of the cancellation, termination or suspension.
FIL reserves the right at its absolute discretion to amend, delete or add to any of these Terms and Conditions at any time with or without prior notice. Any variation, additions, deletions or amendments to the Terms and Conditions herein shall be binding on the Participants and be deemed to be brought to the attention of the Participants through any notice via email or website, if applicable.
FIL shall not be held liable and/or responsible for any loss, damage or any other form of liability (including indirect, consequential or economic losses, loss of profits, and loss of opportunity) in whatsoever nature and howsoever arising or suffered by any Participants directly or indirectly from the Campaign.
FIL shall not be held liable for any default of its obligation under the Campaign due to any force majeure event which include but is not limited to an act of God, war, riot, lockout, industrial action, fire, flood, drought, store or any event beyond the reasonable control of FIL.
This Campaign shall be governed by and construed in accordance with the laws of Malaysia and subject to the exclusive jurisdiction of the Courts of Malaysia.
The Co-Founder & Chief Financial Guy at Akru. I have 20 years of experience in the investment banking and fund management industries with companies such as CIMB, J.P. Morgan and Public Mutual. I was formerly a producer and presenter on BFM 89.9, where I host shows on business and finance including how it impacted ordinary folks.
1. What is your best investment and worst investment?
My best investment is investing in myself. My worst investment is failing to invest enough in myself.
2. What was your first-ever investment? (and how did that go)
I didn't realise that a long time ago when I made my first investments in the stock market, I was actually gambling. I thought that what went up would not come down and that everything I picked was going to be a sure thing just because I wanted them to be. Obviously, that didn't turn out well.
3. Your investment no-nos (why not and what happened)
Don't waste time trying to pick the right stocks to buy. Buy into whole markets which have given decent, inflation-beating returns over the long term. Better still, pay someone who doesn't charge too much (like Akru) to invest for you. Use your time for things you love doing.
4. What are you investing for?
I think we can be content and happy without needing too much stuff. It's enough to be enlightened and healthy and have close friends and family. Having said that, some affordable vices and toys won't hurt :)
5. Julian's investment philosophy and approach
Investing in yourself gives the best returns because minimal financial capital is needed. Once you reap career dividends, you can invest savings passively so that you can continue to have time to do whatever fulfils you. I personally use a robo-advisor which invests my money into diversified global portfolios which contain about maybe 10,000 securities. My assets are split roughly 70-30 into equity and bonds.
About “This is How I Invest” - As Fi Life’s motto is “Buy Term (Term Life Insurance) & Invest the Rest”, this series features how different personalities “Invest the Rest.”