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	<description>Independent Licensed Financial Adviser Malaysia</description>
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		<title>What Risks Should Be Checked Before Switching Insurance Policies?</title>
		<link>https://howtofinancemoney.com/what-risks-should-be-checked-before-switching-insurance-policies</link>
					<comments>https://howtofinancemoney.com/what-risks-should-be-checked-before-switching-insurance-policies#respond</comments>
		
		<dc:creator><![CDATA[CF Lieu]]></dc:creator>
		<pubDate>Thu, 27 Aug 2026 14:09:20 +0000</pubDate>
				<category><![CDATA[Insurance]]></category>
		<guid isPermaLink="false">https://howtofinancemoney.com/?p=28226</guid>

					<description><![CDATA[Switching insurance can reduce costs or improve protection, but it can also quietly remove benefits you have spent years building. The central question is not whether a new policy has a lower premium. It is&#160;what risks should be checked before switching insurance policies so that the replacement actually improves your financial protection. TL;DR:&#160;Do not cancel&#8230;&#160;<a href="https://howtofinancemoney.com/what-risks-should-be-checked-before-switching-insurance-policies" rel="bookmark">Read More &#187;<span class="screen-reader-text">What Risks Should Be Checked Before Switching Insurance Policies?</span></a>]]></description>
		
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		<title>How to Decide Whether Cancelling an Old Policy Is Financially Sensible</title>
		<link>https://howtofinancemoney.com/how-to-decide-whether-cancelling-an-old-policy-is-financially-sensible</link>
					<comments>https://howtofinancemoney.com/how-to-decide-whether-cancelling-an-old-policy-is-financially-sensible#respond</comments>
		
		<dc:creator><![CDATA[CF Lieu]]></dc:creator>
		<pubDate>Wed, 26 Aug 2026 14:03:44 +0000</pubDate>
				<category><![CDATA[Insurance]]></category>
		<guid isPermaLink="false">https://howtofinancemoney.com/?p=28224</guid>

					<description><![CDATA[Holding an legacy insurance policy that no longer seems to align with your personal goals or budget can create a persistent financial dilemma. When monthly or annual premiums feel heavy, or when newer financial products advertise seemingly superior returns and features, it is natural to ask whether letting go of an old policy is the&#8230;&#160;<a href="https://howtofinancemoney.com/how-to-decide-whether-cancelling-an-old-policy-is-financially-sensible" rel="bookmark">Read More &#187;<span class="screen-reader-text">How to Decide Whether Cancelling an Old Policy Is Financially Sensible</span></a>]]></description>
		
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		<title>When Should a Malaysian Policyholder Replace an Existing Insurance Plan?</title>
		<link>https://howtofinancemoney.com/when-should-a-malaysian-policyholder-replace-an-existing-insurance-plan</link>
					<comments>https://howtofinancemoney.com/when-should-a-malaysian-policyholder-replace-an-existing-insurance-plan#respond</comments>
		
		<dc:creator><![CDATA[CF Lieu]]></dc:creator>
		<pubDate>Tue, 25 Aug 2026 13:54:30 +0000</pubDate>
				<category><![CDATA[Insurance]]></category>
		<guid isPermaLink="false">https://howtofinancemoney.com/?p=28221</guid>

					<description><![CDATA[Deciding when should a Malaysian policyholder replace an existing insurance plan is one of the most consequential personal finance choices you will face. Replacing insurance is rarely as simple as switching to a cheaper subscription service. Canceling an existing life insurance policy or medical card to purchase a new one can expose you to unexpected coverage gaps,&#8230;&#160;<a href="https://howtofinancemoney.com/when-should-a-malaysian-policyholder-replace-an-existing-insurance-plan" rel="bookmark">Read More &#187;<span class="screen-reader-text">When Should a Malaysian Policyholder Replace an Existing Insurance Plan?</span></a>]]></description>
		
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		<title>Business Owner Retirement &#038; Exit Planning in Malaysia: The Complete Guide</title>
		<link>https://howtofinancemoney.com/business-owner-retirement-exit-planning-malaysia</link>
					<comments>https://howtofinancemoney.com/business-owner-retirement-exit-planning-malaysia#respond</comments>
		
		<dc:creator><![CDATA[CF Lieu]]></dc:creator>
		<pubDate>Mon, 24 Aug 2026 04:05:29 +0000</pubDate>
				<category><![CDATA[Retirement]]></category>
		<guid isPermaLink="false">https://howtofinancemoney.com/?p=28149</guid>

					<description><![CDATA[How do Malaysian business owners plan for retirement? Differently from employees, because nothing happens automatically. There&#8217;s no employer EPF autopilot, income is irregular, and &#8211; the part most owners underestimate &#8211; the biggest asset in the plan is usually the business itself, which is worth nothing for retirement until it&#8217;s converted into income you can&#8230;&#160;<a href="https://howtofinancemoney.com/business-owner-retirement-exit-planning-malaysia" rel="bookmark">Read More &#187;<span class="screen-reader-text">Business Owner Retirement &#38; Exit Planning in Malaysia: The Complete Guide</span></a>]]></description>
		
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		<title>Financial Planning for Malaysians Working Overseas (and Returning Home)</title>
		<link>https://howtofinancemoney.com/malaysians-working-overseas-financial-planning</link>
					<comments>https://howtofinancemoney.com/malaysians-working-overseas-financial-planning#respond</comments>
		
		<dc:creator><![CDATA[CF Lieu]]></dc:creator>
		<pubDate>Sun, 23 Aug 2026 03:05:38 +0000</pubDate>
				<category><![CDATA[Retirement]]></category>
		<guid isPermaLink="false">https://howtofinancemoney.com/?p=28128</guid>

					<description><![CDATA[What should Malaysians working overseas do about their finances? Keep two financial systems running deliberately &#8211; one in your host country, one in Malaysia &#8211; instead of letting either drift. That means structured cash buffers in both currencies, voluntary EPF contributions to keep your Malaysian retirement base compounding, insurance that doesn&#8217;t lapse while you&#8217;re away,&#8230;&#160;<a href="https://howtofinancemoney.com/malaysians-working-overseas-financial-planning" rel="bookmark">Read More &#187;<span class="screen-reader-text">Financial Planning for Malaysians Working Overseas (and Returning Home)</span></a>]]></description>
		
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