FA Advisory Sdn Bhd

30/09/2026

Two employers offer a similar salary.

One of them also includes Group Hospitalisation & Surgical coverage worth RM150/month.

In our hypothetical scenario, that additional benefit changes which offer the candidate chooses.

SOCSO and EIS provide important statutory protection, but they aren’t the same as an employer-provided medical benefit.

It’s a useful reminder that when employees compare opportunities, they may be looking at more than salary alone.

Swipe through for the breakdown.

27/09/2026

A business can have insurance in place and still have gaps it never realised were there.

In this hypothetical scenario, faulty parts supplied by an SME damage a client’s equipment, leading to a RM380,000 liability claim.

The important distinction is that property insurance and product liability insurance address different risks.

Property cover protects against damage to insured property, while product liability cover can help when products supplied by a business cause injury or damage to someone else’s property.

Swipe through to see how the scenario plays out.

26/09/2026

The fire damage is covered, but rebuilding takes 4 months.

During that time, the business still has bills to pay — payroll, rent and other ongoing costs — even with no income coming in.

At RM50,000 a month, that becomes RM200,000 over 4 months.

That’s where Business Interruption (BI) cover can come into the picture — helping address lost income and certain ongoing costs while a business is unable to operate.

Swipe through to see why protecting the building is only one part of protecting the business.

25/09/2026

We modelled a hypothetical SME with 20 employees and RM3 million in annual revenue.

Its insurance was still based on an old figure: RM750,000 insured, even though the property at risk is now worth RM1.5 million.

Then a fire causes RM300,000 in damage.

You might expect the payout to be RM300,000. But where an average clause applies, underinsurance can mean the business has to bear a proportion of the loss itself. In this example, being 50% underinsured reduces the modelled payout to RM150,000.

Swipe through to see how it works — and perhaps ask yourself one simple question:

When was the last time your business reviewed whether its sum insured still reflects what it would cost to replace or reinstate today?

*Illustrative scenario only. Actual claims depend on the policy wording, basis of valuation, terms, conditions and applicable endorsements.*

25/09/2026

May this season bring you and your loved ones moments of togetherness, good health, happiness, and plenty of reasons to celebrate.

Here’s to brighter days, meaningful reunions, and sharing good moments with the people who matter most.

Happy Mid-Autumn Festival!🌕🥮
From all of us at FA Advisory 💙

24/09/2026

A heartfelt thank you to all our wonderful partners who sent us such thoughtful Mid-Autumn gifts and mooncake baskets. 🌕🥮

We truly appreciate the kindness, generosity, and thought behind every gift.

More than the mooncakes themselves, it’s the relationships, trust, and support we’ve built together over the years that mean the most to us.

Wishing all our partners and friends a joyful Mid-Autumn Festival filled with warmth, togetherness, and meaningful moments with the people who matter most.

With appreciation,
FA Advisory 💙

24/09/2026

What does “enough” actually look like for retirement?

That was one of the most important questions explored in our recent Asian Century Podcast session, recorded live at WORQ KL Gateway, featuring our Licensed Financial Planner, Xandra Lim, in conversation with host Bob Low.

Rather than focusing on a single formula or retirement number, the discussion went deeper into the thinking behind retirement planning defining what financial freedom means personally, understanding the lifestyle you want, and recognising the trade-offs that come with every financial decision.

Xandra also shared from her own journey towards financial freedom by 40, while touching on topics such as:

➡️ How to work out your retirement number
➡️ Whether EPF alone may be enough
➡️ Planning as a couple
➡️ Balancing retirement with a child’s education
➡️ The role of property and alternative investments
➡️ Recovering after financial setbacks
➡️ Protecting your savings from scams

One takeaway stood out clearly: clarity matters more than simply earning more.

The earlier you understand what you are working towards, the easier it becomes to make more intentional decisions with your money today.

A big thank you to Bob Low and the Asian Century Podcast for hosting such a meaningful conversation, and to our community partner WORQ for making the live session possible.

If retirement planning has been on your mind, this is a conversation worth watching.

Watch the full episode below:
https://youtu.be/35umPiLVRHo?si=y7HmV5pgabXfxW-O

Recorded live at WORQ KL Gateway, this episode is a conversation wi...

19/09/2026

Are you ready for a market crash? 💥

Sani Hamid shares that as a long-term investor, diversification matters because you need to be able to take the hits and recover.

Because when you over-invest in one opportunity and take a loss you can’t recover from, game over.

Watch the full episode:
Investing Through Uncertainty: How To Build A Portfolio That Holds Up In Any Market with Sani Hamid

18/09/2026

Do you know what is stagflation?

Sani Hamid explains why stagflation is one of the biggest nightmares for policymakers.

So what should investors do when policymakers are caught in this difficult balancing act?

Watch the full episode:
Investing Through Uncertainty: How To Build A Portfolio That Holds Up In Any Market with Sani Hamid

16/09/2026

Selamat Hari Malaysia!

Different cultures. Different backgrounds. One Malaysia. ❤️

Today, we celebrate the people, communities, and diversity that make our country truly special.

No matter where we come from, there is so much more that brings us together—and when we stand together, we become stronger.

Here’s to a future filled with greater unity, progress, and opportunities for all Malaysians.

Selamat Hari Malaysia from all of us at FA Advisory!