Shirley Shim

Wishing all the wonderful women a Happy Women’s Day!
Let’s continue to Give to Gain a better world!

Create your own Career Development Plan to get the job that you have been wanting. Better job, better life!
Whatsapp 016-304 0065 now to secure your seat.

Job seekers,
Create your own Career Development Plan to get the job that you have been wanting!
WhatsApp 016-304 0065 now to secure your seat with an offer price.

Job seekers, are you looking for your dream job?
Here’s to start… guiding you to create your Career Development Plan on 17 March.
Whatsapp 016-304 0065 to register with an International Women’s Day offer!

Feeling stuck and bored in the same old job?
Start to plan your Career Development Plan.
Whatsapp 016-304 0065 before 8 March to enjoy an International Women’s Day offer.

Today I received my KWSP dividend for 2025.
RM56,697.41 credited. Dividend rate: 6.15%.

Let me say this in simple words.
This is not “extra money”.
This is money that works for you quietly.

Most of us work 8–12 hours a day.
But if you don’t force yourself to save, one day you will still need to work at 60.

KWSP is not sexy.
You don’t see it.
You cannot show it.
You cannot flex it.

But one day, it will protect you.
Why this matters for retirement
When we are young:
We think business will always be good.
We think salary will always increase.
We think we are strong forever.

Reality:
Business can drop.
Health can change.
Energy will reduce.

At 55 or 60, you don’t want to:
❌ Depend on children
❌ Depend on luck
❌ Start from zero again

You want options.
KWSP gives you:
✔️ Annual dividend (compounding)
✔️ Capital protection
✔️ Emergency buffer
✔️ Retirement income

It is boring.
But boring builds security.
Especially important for self-employed people

If you are self-employed or business owner:
No company is contributing for you.
If you don’t voluntarily contribute,
you are basically saying:
“I will figure out retirement later.”

Later comes very fast.
Business is high return.
But also high risk.
KWSP is lower return.
But very stable.

Even if you start small: RM500 a month.
RM1,000 a month.
Over 20–30 years,
compounding will shock you.

Don’t wait until you “earn more” to save.
Save first.
Then adjust your lifestyle.
Your 60-year-old self will thank you.

Steve Jobs once said, "When fishermen cannot go to sea, they repair nets."

This metaphor underscores the importance of continuous improvement and preparation.

Even when you can't engage in your primary activities, you can still work towards your goals by enhancing your skills, refining your strategies, or organizing your resources.

Just as fishermen fix their nets to ensure success in future voyages, we should always find ways to stay productive and ready for the next opportunity.

Follow Founders Fule for more insights like this

Create Your Own Career Development Plan to have a better future!
Whatsapp 016-304 0065 to secure your seat today with an offer price - RM112 only!

Start investing in yourself to reach your dream. Create Your Own Career Development Plan today!
Whatsapp 016-304 0065 to secure your seat with an offer price - RM112.

Looking out for a new job for a better paying? Or a job that you love?

Let’s join the Workshop - Create Your Own Career Development Plan on 17 March, 9am to 1pm at G Ofis Coworking Space, Prudential Building, Hiltop.

Whatsapp 016-304 0065 to get a seat with an offer price…

Toxic colleagues who belittle, criticize, or undermine others poison the workplace, making even meaningful work feel heavy. Approach every task with passion, patience and kindness, regardless of rank or position. Treat everyone as a fellow human, not a rival. Your integrity and compassion can inspire respect, build collaboration and transform a hostile environment into one of support.


-GalawangFrancisco

Waiting for a promotion or looking for a higher salary job?
Let's start with a Career Development Plan. WhatsApp 016-304 0065 before 8 March to enjoy an offer price.