Joshua Teoh S.Y. 张津瑞Licensed Senior Financial Advisor · Malaysia

Insights

Guides and insights

Clear, sourced explanations of the questions Malaysian families ask most. Educational only, never a product pitch.

Guide

Will vs Private Trust in Malaysia: Which One Does Your Family Actually Need?

A plain-language 2026 guide to the difference between a will and a private (living) trust in Malaysia: how each works, probate, control, cost questions to ask, and when families use both.

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Guide

How to Check if a Financial Adviser in Malaysia Is Licensed (Step by Step)

A step-by-step guide to verifying a Malaysian financial adviser, planner or unit trust consultant using the official Bank Negara Malaysia, Securities Commission and FIMM registers, plus scam red flags.

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Guide

Hibah vs Will vs Trust: Which Suits Your Family in Malaysia?

A plain-language guide to hibah, wills (wasiat) and trusts in Malaysia for Muslim and non-Muslim families, including how insurance and takaful nominations fit in.

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Guide

Investing Overseas from Malaysia: What to Know About Cross-Border Assets and Estate Planning

What Malaysian residents should know before investing abroad: BNM foreign exchange rules, tax on foreign income, currency risk, and how to keep cross-border assets manageable for the family.

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Coming soon

  • What happens to your assets if you die without a will in Malaysia
  • Insurance and takaful trusts: making sure the payout reaches your children as intended
  • Education planning: what KL international schools cost and how to protect the fund
  • Malaysians working abroad: your EPF, property and will back home