What is The Career For Foundation in Physics in Malaysia?

Foundation in Physics in Malaysia is one of the courses in Science. This Foundation in Physics in Malaysia is kinda hard when we as a “regular” student learn. But actually we can try another course in this Science course. Have You wondered what you can do with this physics course?

Click Here For Why We Must Study Hard to Become Doctor

Career in Physics in Malaysia

Data Scientist

Data scientists use their area expertise, programming abilities, and information of facts and arithmetic to extract which means from complicated information. They will use their specialized abilities to look for and get right of entry to records from diverse assets to investigate and interpret how a commercial enterprise performs. They assist to shape big volumes of unstructured information that companies often battle with. They create synthetic intelligence (AI) tools to automate procedures in the company. In short, they may be analytical information experts. As a scientist, you’ll want to have remarkable programming, computational, gadget learning, communication, problem-solving, analytical abilities, amongst many others. It is an excessive-paying process.

Aeronautical Engineer

This is a remarkable process choice for college students who desire to challenge into the protection and aviation industry. As an aeronautical engineer you’ll be required to plan aircrafts and propulsion systems. Aspirants have to have suitable velocity and accuracy alongside robust manual, technical, and mechanical aptitude. With time, however, there might be growth in process obligations. With non-stop increase occurring withinside the protection established order and civil aviation industry, there are golden possibilities for an engineer to make a mark withinside the field.

Click Here For Where To Start Building A Good Foundation In Physics

Design Engineer

Using your information in CAD software, or Computer Aided Design, you’ll create and put in force product designs. Keeping elements like cost-efficiency, consumer experience, and environmental standards, an engineer designs production procedures and products, creates prototypes, analyzes information from exams on prototypes, and prepares development reports. You want to have interest in elements with robust analytical abilities. You have to additionally be capable of supplying initiatives on time.

Accelerator Operator

A particle accelerator is a tool used to supply restrained beams of charged debris in extraordinarily excessive velocity. As an accelerator operator, you’ll paint at once with the studies crew and the physicist in charge. You will assist them to run the test efficiently preserving all of the parameters in tune. Your obligations will contain calibrating the systems, reviewing schedules, making modifications to the particle beam earlier than walking the test, and assisting examine the results.

Applications Engineer

There are numerous obligations to carry out as an programs engineer. The number one process is to layout and enhance software. They spend time comparing the particular dreams of every undertaking and assessing them earlier than implementing. They can be tasked with upgrading or constructing a brand new database platform for his or her clients, presenting them tech support, presenting hardware upgrades, making income recommendations, documenting provider calls, and preserving special facts of installations. Besides information in designing and growing software, you’ll want to be ready at crew collaboration and patron provider.

IT Consultants

IT consultants work closely with companies to identify, plan and implement technology projects and help them achieve their digital transformation goals. His main responsibilities include developing proposals, setting project goals, defining a scope, planning deadlines and collaborating with the company’s technical team to deliver impactful digital solutions.

Laser Engineer

A laser engineer is responsible for research and development of commercial laser systems. You will work with small interdisciplinary teams within a company developing innovative laser products and related technologies. Must have sturdy hassle fixing and conversation skills. You will often be asked to turn ideas into prototypes and high-level design concepts.


buy retail pos system malaysia

A guide to SAP integrated business planning Malaysia

As time progresses, businesses can no longer rely purely on past experience, but have to adopt more modern means. This is mainly due to the rapid development of modern business, where traditional means are no longer able to cope with the complexity and diversity of modern business. For this reason, many companies have started to adopt an integrated business planning approach to help them run their business. If you are not familiar with integrated business planning and SAP integrated business planning Malaysia, the following article will provide you with some information.

What is integrated business planning and what are benefits of integrated business planning?

By bringing all the various functions that have an impact on the business together, integrated business planning is a process that enables businesses to optimise their planning and execution processes. This can apply to departments like operations, finance, sales, and marketing. Businesses can create a more coordinated and effective plan that can be executed more smoothly by integrating these various functions.

Numerous advantages of integrated business planning exist. The ability to help businesses become more adaptable and receptive to market changes is one of the main advantages. Businesses can respond to new opportunities or threats more quickly when all the various functions are coordinated. Additionally, by offering a more comprehensive view of the business, integrated business planning can assist businesses in improving their decision-making process. This can help companies make better strategic decisions that can have a positive impact on the bottom line.

What is SAP integrated business planning Malaysia?

A software programme called SAP integrated business planning (IBP) enables businesses to plan, optimise, and carry out their operations more effectively. IBP is integrated with other enterprise software from SAP, including ERP and SCM, to offer a thorough understanding of a business’s operations. This makes it possible for businesses to more precisely forecast demand and supply, optimise inventory levels, and better match production with customer demand.

SAP integrated business planning Malaysia is important because it enables companies to plan and forecast their sales and operations in a more efficient and collaborative manner. By integrating business planning processes, companies can more easily identify and resolve potential problems before they become issues. In addition, SAP integrated business planning can help companies improve their decision-making processes and ultimately their bottom line.

What are the benefits of SAP integrated business planning Malaysia?

SAP integrated business planning Malaysia has many benefits. One of the most obvious benefits is that it can help companies improve the accuracy of their forecasts. sap IBP can also help companies improve their product mix and inventory levels, as well as improve customer service levels. In addition, SAP IBP can help companies improve their planning processes and make better decisions faster.

How do I implement SAP Integrated Business Planning in my organisation?

The best way to implement SAP Integrated Business Planning in your organisation is to follow these four simple steps.

Understand your current business processes.

Define your future business processes.

Map the two processes.

Implement the new business processes.

easy microwave recipes malaysia

Easy microwavable meals


In this fast paced world, everyone wants things to be done faster and efficiently. One of the things that people often do to sustain this busy lifestyle is having their meals on the go. This is definitely not the best thing to do but oh well people are forced to do that in order to get many things done at the same time. Students often have meals while they are studying and working adults often have their meals while in the midst of meetings or while working. As for that they often rely on quick and easy microwavable food that would save them time, energy and cost for preparing the meal. People often go for easy microwave recipes in Malaysia, for their food needs. Listed below are easy one portion, microwave meals that you could try which does not compromise on its taste and are still worth your penny !

Breakfast egg frittata 

Ingredients needed: 

2 whole eggs

½ diced tomatoes 

½ diced onion

½ teaspoon each of salt and pepper 

¼ cup of shredded cheddar cheese 

¼ cup of milk

Easy Frittata in the Microwave • Steamy Kitchen Recipes Giveaways


Scrabble both the eggs and milk in your mug until frothy and add in all the diced vegetables. Carry on adding the salt, pepper and cheese. Microwave for about 2 minutes until it is light and fluffy. You can add about a teaspoon of butter to make your frittata even more tastier. There you have it, your easy and nutritious breakfast.

Microwave Mac “N” Cheese 

Ingredients needed: 

¼ cup of macaroni 

¼ cup of cheese (mixture of cheddar and mozzarella cheese) 

½ cup of milk 

1 pinch salt

1 pinch pepper 


Place your macaroni and milk in a mug and microwave it for 30 seconds. Once it’s done take it out and stir it with a fork. Go ahead and add in the cheese, salt and pepper and continue to microwave it for another 20 seconds. At this point if you notice your mac and cheese is getting dry, you could add a splash of milk to it and stir it around. Voila there you have your easy and delicious Mac and cheese.

If you are not up for a meal and are simply craving a light dessert, this recipe is for you. This microwave mug cake might just be the treat for you. 

The Best Chocolate Mug Cake | Eggless Microwave Mug Cake

Microwave Mug Cake

Ingredients needed :

2 tablespoon vegetable oil 

3 tablespoon milk

1 tablespoon water 

¼ teaspoon vanilla essence 

⅛ teaspoon salt 

¼ cup sugar 

⅛ teaspoon baking soda 

¼ cup flour 

2 tablespoon cocoa powder 


All you need to do to make this delicious mug cake is simply combine all the dry ingredients in a separate bowl/plate. Then combine together all the wet ingredients in the mug that you are going to microwave. Put in all the mixed dried ingredients together and whisk using a fork. Make sure there are no lumps. You can then proceed to microwave it for about 1- 2 minutes depending on the microwave that you are using. You know your cake is done when a toothpick inserted comes out clean. You can add chocolate chips of sprinkles to make your cake more yum 

Best Way To Store Breastmilk in Freezer, How About Refrigerator?

Best Way To Store Breastmilk in Freezer, How About Refrigerator?

Breast milk frozen in storage bag and baby lying on background

All of us know that babies always need breast milk for their growth. We often think about what is the best way to store breastmilk in freezer. But actually there is another way to store breastmilk. Maybe the best way to store breastmilk in freezer but actually you can store it in another way.

Click Here For 10 Weird Pregnancy Symptoms That Are Actually Normal

Store Your Breast Milk In Refrigerator

Other than keeping your milk in the freezer, you also can keep your breast milk in the refrigerator. If you plan to use the expressed breast milk immediately, store it in the refrigerator to avoid thawing. But how long does breast milk last in the refrigerator?

The refrigerator should be considered a short-term storage solution for breast milk. Refrigerated breast milk is best used within 24 hours, but properly stored breast milk can be kept for up to 4 days. Here’s how to store breast milk in the refrigerator.

We start with a suitable container. Use clean containers to store breast milk. You can use bottles with screw caps, hard plastic cups with tight caps, or sturdy breast milk storage bags. Regular plastic storage bags are not recommended to store breast milk. That is because regular plastic storage is prone to leaks and spills.

Second, you need to choose the right place to store the breast milk. The space you allocate for storing breast milk is important. Especially when you store your breast milk in the refrigerator. Freshly expressed milk is the coldest part of the refrigerator, so always keep it in the back of the refrigerator.

A door that changes temperature every time you open and close it is the worst place to store breast milk in your refrigerator. That is because if you put them in any place they can last a long time.

You might be confused whether you can mix the milk from multiple pumps or not? Actually mixing milk from multiple pumps is no problem. Many mums wonder if a single pumping may not produce enough milk. Can fresh milk be added to chilled milk? Answer Yes, it is okay to combine expressed milk from multiple sessions, but there is one caveat.

You need to always chill new milk before adding it to old milk. A better idea is to put both, new chill milk and old milk in the refrigerator for a few hours before mixing in the milk. If the milk is not going to be used immediately, label it with the old milk date and put it in the freezer.

Do not reheat milk once it has been heated. This is because repeated reheating of breast milk increases the risk of bacterial growth. Therefore we should avoid our babies to drink breast milk that has been reheated multiple times. So you must offer fresh breast milk at your next feed for your babies to make sure they’re healthy.

Click Here For Benefits of Breastfeeding for the Baby

How To Warm Your Milk?

The last thing you want to do when your baby is crying for milk is wait for those breast milk to warm up. But actually you can do it sooner than you think. Gently stir the milk in the bottle. For sachets, massage the milk while immersing it in warm running water for a few minutes.

You can also warm the milk by filling a bowl with lukewarm water. Use lukewarm, not hot, water to avoid overheating the milk. Another way to warm your milk is to use a bottle warmer. Again, stay away from the microwave. This is because uneven heating can burn your baby or damage your milk, Clark says.

Whichever method you choose, always make sure your milk is the right temperature for your baby. Try putting a drop on the inside of your forearm before feeding your baby. You need to make sure the milk feels warm and not hot.

buy child education savings plan Malaysia

The Importance Of Your Child’s Primary School Subjects

Your child’s years of education are about to start months after you buy child education savings plan Malaysia, which guarantees that they will be going smoothly and the school fees will not be the biggest issue you will face in your life. So far, so good.

Now it might sound silly as to why you are about to be explained about the importance of the usual subjects in your child’s primary school, but if you think about it, these highlights are more for your child than yourself. You can take them and use it as advice to them when they might ask why they need to go to school.

We have all been there. At some point in our school lives, we wondered why we needed to learn about this and that, and it wasn’t until long after school that we knew why. We may also be eventually interested in some of the subjects like chemistry or history in our free time, and we paid more attention to them than we were at school.

So what to explain to your child about the importance of the subjects that they will definitely learn?


Bahasa Melayu and English

As both are language classes, they are lumped together as one category. As Malaysians, Bahasa Melayu is our national language, so it is natural that we learn it from kindergarten. English is also just as important because it is practically the universal language of most humans.

Regardless of nationality, English is always the secondary language of those not living in English speaking countries including Britain, United States, Australia, Canada and Ireland, though accents and the language structure can differ.

BM and English are very important in developing your dictionary and communication skills. It doesn’t just end at your school, you will continue to learn and develop your language skills even in your free time. The more you spend time practicing BM and English, the better you can speak them appropriately in certain situations.



Science is about the curiosity of nature and matter all around us. How do our phones work? How is rain formed? What are the species of certain mammals? Why can we breathe oxygen?

Science gives you logical explanations to make sense of how things work, and why. As a kid, it may be a subject that you will be drawn into. Maybe you like science because changing chemical colors look cool or the visuals of your science textbook are pretty to look at, but you are also curious about the world and want to know more. 

You want to discover and explore new things, and you are fascinated by the mechanisms of life and the world itself. If you want to be a doctor, scientist, or other science-related careers, this is the starting point for you.



buy child education savings plan malaysia is calculating

Mathematics may be the bane of your existence as a school student. You will yawn at the numbers, calculations and the problems you have to solve. You might not plan to become anything related to maths, so why bother?

To start with, learning how to count and work the numbers by adding, subtracting, multiplying and dividing are crucial because in your daily life, you will use even the basics of mathematics. Say you get RM50 from your mother, and she tells you to buy five donuts and return the correct balance of RM30. One donut costs RM4, so you buy at a total of RM20.

Subtract RM20 from RM50 and you now have RM30. That will be your answer when you return the balance to your mom after she asks you how much is the change now, just to test you.

Mathematics is also important because it helps you solve problems, which isn’t always just numbers but anything else too. You have to think and decide the correct or best solution to solve the problems, and if one answer fails, try again.

ppe cabinet malaysia

Personal Protective Equipment Malaysia

Personal Protective Equipment or PPE is special clothing or equipment that protects users from infectious material and substances when handling it. Infections could come from when handling chemicals, electrical, mechanical, radiological etc. PPE is often used in the workplace or laboratory that faced risk from hazardous materials every day. Personal protective equipment may include gloves, safety shoes, earplugs, coveralls etc. 

These types of equipment need to be designed following the guidelines to enhance user safety. PPE need to be stored in a designated place that will ensure its safety in a sanitary surrounding. Most workplaces or laboratories own PPE cabinet Malaysia and locate them somewhere that has easy access. 

Level of Personal Protective Equipment

There are three main levels to determine what type of ensemble is needed for the user to wear. 

Level A: Protect respiratory, skin, eye and mucous membranes at the highest level. Its ensemble includes gloves, chemical resistance, innerwear or outerwear, boots, steel toe and shank. 

Level B: Protect the respiratory at the highest level but lower level for skin and eye protection. This level of protection is the minimum that is recommended on common site entries. Before any hazardous situation is inspected more carefully by running a detailed analysis, users need level B protection. The ensemble is similar to level A with the addition of chemical-resistant clothing which includes disposable chemical-resistant overalls, long-sleeved jackets, chemical hooded splash suits and coveralls. 

ppe cabinet malaysia

Level C: Used when the type of airborne substance is confirmed, done measuring any concentration, and met every criterion of using air-purifying. When using level C personal protective equipment, skin and eye exposure are improbable. The ensemble is similar to the two other levels plus a full-face or half-face mask, and an air-purifying respirator that is approved by NIOSH. 

Level D: The lowest level where mainly used as a work uniform for people that work in the hazardous environment every day. Users only need coveralls and safety boots. Other equipment or ensemble will be needed according to the situation whichever is suitable. However, this level should not ever be the PPE for sites where respiratory or skin infection exists. 

Personal Protective Equipment Cabinet

When you already know the level of protection needed and its ensemble, you need to store the equipment in a secured area. A specially designed PPE cabinet is used to store this equipment so that it will protect its function. There are a few types of cabinets in the market but the common is a steel two-door cabinet. The cabinet also comes with four levels with the same diameter for each to store every piece of equipment properly. 

ppe cabinet malaysia


Personal Protective Equipment is solely to protect human beings from hazardous substances. Health workers who deal with Covid-19 patients also need to wear PPE so they would not get infected by the virus. When the number of PPE was reducing rapidly, we still remember how Malaysian provided the health force self-made PPE. The equipment is important for people who work with infectious substances. You will never know when the risk is up. Always prioritize your safety then you can save others. 

What are Benefits of Artificial Intelligence inside Business?

Artificial Intelligence (AI) has become a modern technology in all aspects. The application of artificial intelligence greatly facilitates various jobs, including in the business world. Artificial intelligence no longer only appears in science fiction films. But it has manifested in your daily life. Let’s find more about Omron automation component Malaysia.

Omron automation component Malaysia

What is Artificial Intelligence (AI)?

Artificial Intelligence is a broad branch of computer science, concerned with building smart machines capable of performing tasks that would normally require human intelligence. AI collects and processes various data into useful information in order to complete tasks. This term has emerged since the 20th century, both in various studies and fantasy films. Starting from the presence of the Atanasoff Berry Computer (ABC) in 1940, which aroused the enthusiasm of scientists to develop the idea of ​​making an electronic brain. The idea evolved and continues to evolve as the artificial intelligence we know today.

What Are the Uses of Artificial Intelligence?

Performing Data Analysis

For artificial intelligence to be able to analyze various kinds of data, because the system in it uses an array of algorithms. For example, you do a search for fashion in Malaysia on a search engine. The AI ​​system then collects data for later analysis. As a result, when you open social media, advertisements about fashion immediately appear. That’s how artificial intelligence works.

Processing Big Data

Technology is not only capable of analyzing data, but also processing big data.

Correct Documents Accurately

One of the benefits of artificial intelligence is being able to detect errors in documents better. Spelling errors can be detected immediately and then corrected by the AI ​​system. It’s very important to know when an application crashes due to an input error.

Omron automation component Malaysia

Uses of Artificial Intelligence for Business

The use of artificial intelligence is starting to be massive in various sectors, one of which is the economy and business. Small-scale companies or SMEs, medium, to large can take advantage by implementing AI systems. Here are some of the benefits and applications of artificial intelligence in business.

More Optimal Data Processing

Companies need the best data analysis and processing to increase production and sales. The existence of artificial intelligence really helps a business to do several things. You name it, studying market trends, and collecting customer behavior data. How big are the consumer shopping opportunities, and many others.

Support 24 Hours Customer Service

Business will not be successful if it does not prioritize customer satisfaction. Both in terms of service and quality of services or products offered. For customer service or customer service, companies are greatly helped by its application to AI. The company can serve customers in real-time for 24 hours. Customer service with AI technology can save budget costs. The company does not need to add employees to be able to serve its customers 24 hours a day. Companies only need to implement AI-powered applications such as virtual assistants, maps, place locations, available services, and more.

laboratory research equipment Malaysia

Essential Chemistry Glassware For Your First Lab

So, you have finally set up your first lab that mainly deals with chemistry, and now all you need is laboratory research equipment Malaysia. Maybe you know a thing or two about flasks, but you need way more than just a few tubes or cylinders. 

Glassware are the icons of chemistry for a good reason. They are your primary containers of chemicals and also work as measuring tools for the liquids. There are a variety of glassware that come in different shapes and sizes to suit different needs.


A beaker is a large cylindrical container with a flat bottom and usually comes with a spout at its upper rim. The purpose of the spout is to ensure that liquids are poured effectively without wasting the excess and causing a risk of chemical splashes or contact.

A beaker can hold varying volumes of liquid, and comes in different sizes. Heating and mixing of substances can take place in a beaker. It is not really used for accurately measuring chemicals despite coming with measurements. There are other glassware that do a better job at such.

Conical flask

Also known as an Erlenmeyer flask, its neck is cylindrical and narrow,  joined by a large, conical body and a flat bottom. It is one of the most used flasks in laboratories to carry out different experiments such as filtrations, crystallizations and titration. 

The flask also makes stirring easier as thanks to its conical body, chemical spills are impossible unless the bottom is smashed, cracked, or the chemical is poured out of the neck on purpose. Besides, it can also be capped with a rubber cap or cork, but it must never be sealed when boiling liquids or the pressure will build inside and explode the flask.

Boiling flask

A boiling flask is round at the bottom and is connected by a long, narrow neck. Similar to conical flasks, it can be used to mix and heat chemicals, and can also be capped. Again, it must never be boiled while sealed or it will meet the same consequence as conical flasks.

Test tube

A test tube is a small, cylindrical pipe with one circular opening and a rounded bottom. They are used to store or mix reagents in any chemical or biological reactions. Very useful when a qualitative assessment is required when testing a large amount of samples.

Watch glass

laboratory research equipment Malaysia

A round glass that is slightly concave like a lens that holds a small amount of liquids, solids or other substances as needed. It can also be used as a lid for a beaker.

Volumetric flask

Also known as a graduated or measuring flask, this is primarily used to prepare solutions. Its neck is long and narrow, attached to a flat, conical bottom. Its precise volume measurements enable liquids to be measured accurately.

In addition to a number that indicates the size of a correct stopper, the volumetric flask is also calibrated for a specific temperature as indicated on itself.

Graduated cylinder

A graduated or measuring cylinder is a primary tool to accurately measure liquids to achieve a specific, precise volume. It has several unit measurements up and down the body, and comes in a variety of sizes. The smaller its diameter is, the more specific the volume measurements will be.

study mbbs course in ireland

Why We Must Study Hard to Become Doctor

MBBS, or Bachelor of Medicine and Bachelor of Surgery, is one of the most prestigious and difficult bachelor degrees in the field because it combines two degrees into one in the medical field. Despite being the most coveted degree in the medical sector, obtaining it and going through all the requirements to succeed is undoubtedly not a walk in the park for students. Instilling in medical students the essential information, skills, and practical experience is difficult, and teachers must also put in a lot of work. But most importantly, imprinting into their brains and hearts the vital notion that they will be accountable for human lives and making them aware of the magnitude of the weight it places on their shoulders. Given a student’s enthusiasm and sincerity for the course of study and the ultimate career, it is unquestionably a sound, reputable, and richly gratifying vocation to choose. That’s why we must study mbbs course in ireland.


A prospective student who wants to become a doctor has no choice but to meet the requirements for that department. One of the dreams of many people is to become a doctor. This relates to the benefits of studying medicine as opposed to other majors or scientific disciplines. The medical field is one that holds out a lot of promise. In the areas of health and humanity, a doctor has a lot of wonderful things they can accomplish. From an economic standpoint, the medical field is also extremely promising for high income, particularly if it is successful in building a reputation as a reliable doctor and has the chance to keep selling specialized education levels. The following are some of the advantages that can be obtained when studying in the medical department:

  • Possess the Chance to Become a Doctor

Being admitted into the medical department is the only way to pursue a career in medicine because it is where the fundamental skills required to become a doctor are taught. Thus, enrolling in and successfully completing the medical department is the only option a prospective student who wants to become a doctor must take advantage of.

  • Have a Secure Future

It must be acknowledged that majoring in medicine has the potential to lead to a career with a bright future. Because health issues are one of the problems that will always exist and because doctors are one solution to these issues, the community will always require a doctor. The size of Indonesia and the demand for medical personnel, particularly doctors, in diverse regions of the nation show that there are still plenty of prospects for a doctor to succeed in the future. If he dares to devote himself to fields that still need the presence of a doctor, even a doctor who struggles to compete in a big metropolis still has a chance to succeed.

  • Possibility of Making a Large Income

The potential for a high income level based on the requirements set by the Indonesian Doctors Association is another benefit of concentrating in medicine. Additionally, a doctor’s standard of living will rise if they are able to complete a level of specialist education. A doctor may open their own practice in addition to working in many hospitals or clinics. A doctor can generate more revenue thanks to this circumstance.

Be an MBBS: Your gateway to a secured future as a Doctor – Kashmir Reader

single premium investment-linked insurance plan Malaysia

Know What Single Premium Investment-Linked Insurance Plan Is

Choosing the right insurance plan for you will not only cover the entirety of your life and your dependent’s life but there are many types of insurance plans that link and combine other benefits as well. To further elaborate on this matter, let’s go ahead and understand what a single premium investment-linked insurance plan Malaysia is all about. 

single premium investment-linked insurance plan Malaysia

What is an investment-linked plan in general?

An investment-linked plan is an insurance AND an investment, linked together, where you will get the chance to enjoy benefits such as possible returns of the investment you made in various investment funds, as well as the insurance protection for unexpected situations or challenges. 

Insurance, as we know it, covers unexpected threats, or challenges that are unforeseen in the near future. With insurance, you will be covered from spending or paying a total amount of the damage (or hospital bills). Moreover, your dependents too will be covered if the unexpected happens to you.

Investment-linked plan, on the other hand, allows you to withdraw some value from your account to be used to cover or maintain your financial needs; all this on top of the payout given to your dependents (if any) if anything unexpected happens to you. 

So, the investment-linked plan is 50/50?

In a way, it is. Part of the portion from the investment-linked plan will be saved up for insurance protection, and the other portion of the plan will be invested in investment funds. From the name of the plan itself, it is obvious and understandable that this insurance plan does not cover life insurance only. Kind of like, double the benefits, but bear in mind, it can be risky too with the lack of research and guidance in choosing which one suits you the most. 

Are they many types of ILP to choose from?

ILP (investment-linked plans) are classified into two categories, so no, there are not many types of ILP to choose from. However, do bear in mind that choosing ILP itself requires a lot of consideration, so having two categories to choose from seems efficient enough. 

The two types of ILPs are these:

  1. Single premium ILPs
  2. Regular premium ILPs

Any differences between the two categories? Yes. The differences are as follows:

  • Single premium investment-linked plans mean you pay a lump sum premium to buy units in a sub-fund. What this means is, that you pay the full amount of the premium to buy the units for your investment, and It is said that most single premium ILPs provide lower insurance protection.
  • Regular premium investment-linked plans mean you pay premiums on a regular basis (or in other words, on an ongoing basis). Compared to the single premium ILPs, you have the flexibility to vary the level of insurance coverage that you needed. 

single premium investment-linked insurance plan Malaysia

Since ILPs are a linked plan, what are the risks that I need to be aware of?

One thing about ILPs that you need to bear in mind is since it is an investment-linked plan, sometimes when you are investing in funds, the return value might not consistent or guaranteed. For ILPs, that is one of the risks you need to face as the value of an ILP fully depends on how the sub-funds perform. 

Another risk or challenge that you will have to keep in mind is the insurance coverage charges. As we know, insurance charges rise with age. Hence, it is also why most people will recommend young people to get an insurance plan when they’re younger because it’s cheaper. So, with regular premium ILPs, there may also be an increase in the cost of insurance coverage. Therefore, another reason why you need a lot of consideration when opting for ILP. 

Hence, do bear in mind this:

  • Those with a longer investment range can opt for ILPs
  • Different ILPs have different insurance coverage
  • Take time to consider if you are able to keep up with the premiums
  • Do comparisons of ILP with other investment products 
Little Penang Market Street