Who we are

MQ companies focus on assisting our clients since 1998 to excel in their wealth management. Our unique model has helped many entrepreneurs to embark on a strong footing in their line of business and life. It has successfully assisted many existing clients or affiliates to witness breakthrough improvement in terms of wealth management and life.  

What we do

You will find this one stop money quotient hub here in MQ with our areas of services to assist you.

Personal Financial Planning
Insurance planning
Retirement planning
Estate planning
Business Financial Planning
Business Funding
Guarantor Indemnity Plan
Keyman Compensation Plan
Business Succession Plan
Professional Value Plan
Group Employee Benefit Scheme
General Insurance
0
years
0
clients

Your reliable partner

MQ is committed to providing excellent service in wealth management of our clients and strive to be the central hub of financial services excellence with extreme passion to serve and share in personal or corporate level.

We love making positive impacts.

Thank you for taking great care of us on our insurance. You and your team at MQ Consultancy Sdn Bhd have been wonderful to work with. Just list out one of the friendly customer service that given, MQ’s staff is stationed in Ee-Lian café every Friday and ready to give professional insurance advice to our employees without extra charges. Jason has always been tried his best to provide the better coverage than the prior and save us in term of premium charges at the same time. I would recommend Jason to anyone without hesitation or reservation.

Dr Teoh Han Chuan
Group Managing Director
SWS Capital Berhad

Good,Affordable,Fast ; Products following market trend and demand; Feel personalized services provided by the MQ Team

10 years ago, MQ did my wife medical claim and handed the pay cheque to my house on my hand within 3 working days! Truly appreciated MQ founder Mr Jason Koeh efficiency in helping me to go thru my life most difficulties period. Mr Jason Koeh even think of the best on how to made claim for chemo therapy treatment on my wife using the medical card ( very lucky Mr Jason Koeh proposed the Medical Card to my wife as her first Insurance Policy). After all those sour and painful story we become very good friend and we treasure each other until today. Life is Great. I love u bro.

Ng Cheng Hoe
Director
Inno PDA Sdn Bhd

Friendly, reliable and efficient

MQ provides excellent service in many aspects since the beginning till now and the people in MQ has always been there for me like a family when needed. Hence, this is very important for me and as a customer as I felt MQ is reliable and efficient in providing their service.

Geoffrey Teoh
Manager
Financial Institution

Informative, latest update and financial newsletter

Dr Chong Yen Nee
Chief Executive Officer
Yayasan Penjaja dan Peniaga Kecil 1Malaysia

Quick response, competitive quote and comprehensive product info

Sheley Teoh
General Manager - Sales
Blu Inc Media Sdn Bhd

FAST,

EFFICIENT, 

HELPFUL!
Aster Lim
Group Managing Editor
Blu Inc Media Sdn Bhd

Professional advice on insurance, Effecient and effectiveness MQ team

I will recommend MQ due to the professionalism of the team. Look forward to see this organisation grow!

Eric Gan
Regional Sales Manager
MBNS (ASTRO)

Consult, Advise, Reference. Train all staff to implement same character.

Dr. Samsudin Wahab
Lecturer
UiTM

Service is professional and personalized. 

Efficient, competitive and attentive. Thank you for taking care of us and we look forward to many more years with you.

Aanear You Chee Chien
Executive Director
Yee Loong Engineering Sdn Bhd

Always updated service, knowledgeable consultation,

None of the financial company can provide such great service like they do!

Dr Shirley
Doctor
AOKlinik
ppl

Need professional advice on financial management?

Let our team assist you!

bino

Looking for something new to venture in your career?

Join our team and make a difference now!

Meet Our Partners

Our Corporate Social Responsibility

The most important objective of our company is to obtain profitability in the long term. Guided by its mission and values we seek to achieve profits without prejudice to society and the environment.

Latest Updates

MQ: Money Quotient: Putting money in the context of life.
MQ is in the Busi-ness to enrich your Wealth always.

3 Ways Your Private Car Insurance Will Burn A Hole in Your Pocket

In Malaysia buying a car serves as a mark of independence and adulthood in most of our lives. However, do you know what is the extent of coverage that your standard private car insurance policy provides and what it does not cover?

What's your Standard Private Car Insurance Policy WILL NOT Cover.

There are many instances that the insurance company will deny liability, and some of them are called “Special Perils”, which includes flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, land-slip, subsidence, or other convulsion of nature.

Furthermore, the generic Policy does not cover loss or damage caused by riot, strike, civil commotion, and also Legal Liability to Passengers.

For better understanding of the calculations herein, we shall use the example of a motor car insurance for a Toyota Avanza, a 7 seater car with an engine capacity 1,496 cc, and insured at a sum of RM70,000.

Flood, Storm, and Tempest (Special Perils)

Going through the list of special perils as stated above, one cannot help but wonder “Would I be covered if my car is stuck in a flood?” The answer to that is No.

Your common Policy does not cover for the payment of any mechanical breakdowns, engine failure or other damages that are caused by flood water entering the interiors of your car.

One of our clients had to replace the engine of his C Class, after his car was hit by flash flood in the City, the replacement cost of the engine was a whopping RM80,000.

Endorsement for Flood
You have the option to supplement your policy by the payment of an additional premium with a flood, storm, hurricane, and tempest Endorsement.

An endorsement is basically an additional coverage that you may subscribe together with the original Policy with a fee.

For the Endorsement for Special Perils, the additional premium required is 0.5% of the value of the car.

For example, the calculation for a car with a sum insured of RM70,000 is as follows:
0.5% x RM 70,0000.00 = RM 350.00

Riot, Strike, and Civil Commotion (RSCC)
In view of the current events, riots and other public disturbances are becoming a common issue worldwide.

The generic Policy does not cover for damages inflicted upon your car consequence to a violent act, or any disturbance of the public peace.

Endorsement for RSCC

To avoid being devastated by such events, subscribing to the endorsement providing protection against riots, strikes, and civil commotions will be beneficial as it specifically covers the following:

The act of any person taking part in any disturbance of the public peace or the acts of a lawful authority done in suppressing or minimizing the said disturbance; and
The willful act of any striker or worker done in the demonstration of a strike or resistance to any lockout from the working premises, or the acts of any lawful authority done to suppress or minimize the consequences of the worker’s acts.

To obtain the Endorsement for RSCC, one has to pay a premium of 0.3% of the sum assured.
For example, the calculation of the additional premium for a Toyota Avanza with a sum insured at RM 70,000.00 is as follows:
0.3% x RM 70,000.00 = RM 210.00

Legal Liabilities to Passengers

The generic Policy has a clause on the Exclusion of Legal Liabilities to Passengers (“LLP”).
The insurer will not cover you for any injury sustained by the passengers.

Endorsement for LLP

You can choose to extend the cover by removing the existing LLP clause (Endorsement 100) for a fee, then, the Insurers will cover you with some exceptions as stated herein.

The premium for LLP endorsement is 25% of the Third Party Premium whereby RM 10.00 is added for every seat that is in excess of five seats.
For example, for a Toyota Avanza, with a sum insured at RM70,000 the Third Party Premium is estimated to be RM 168.75. Therefore, the calculation for the LLP Endorsement is as follows:

25% x RM 168.75 =RM 42.19
RM42.19+ RM20.00 (for the additional two seats) = RM 62.19

The Insurers WILL NOT pay for any bodily injury or death of a passenger who is:
- paying for the ride; or
- your employee; or
- your family member, transported in the course of a leisurely travel.

Vehicles Entering Singapore
Another point to note is that, if you are planning to drive to Singapore with your vehicle, you are required to have the Endorsement for LLP as it is compulsory in Singapore.

Source: Alex Chang & Co.
... Read moreHide

4 hours ago

MQ: Money Quotient: Putting money in the context of life.
MQ is in the Busi-ness to enrich your Wealth always.

3 Ways Your Private Car Insurance Will Burn A Hole in Your Pocket

In Malaysia buying a car serves as a mark of independence and adulthood in most of our lives.  However, do you know what is the extent of coverage that your standard private car insurance policy provides and what it does not cover?

Whats your Standard Private Car Insurance Policy WILL NOT Cover.

There are many instances that the insurance company will deny liability, and some of them are called “Special Perils”, which includes flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, land-slip, subsidence, or other convulsion of nature.

Furthermore, the generic Policy does not cover loss or damage caused by riot, strike, civil commotion, and also Legal Liability to Passengers.

For better understanding of the calculations herein, we shall use the example of a motor car insurance for a Toyota Avanza, a 7 seater car with an engine capacity 1,496 cc, and insured at a sum of RM70,000.

Flood, Storm, and Tempest (Special Perils)

Going through the list of special perils as stated above, one cannot help but wonder “Would I be covered if my car is stuck in a flood?”   The answer to that is No.

Your common Policy does not cover for the payment of any mechanical breakdowns, engine failure or other damages that are caused by flood water entering the interiors of your car.

One of our clients had to replace the engine of his C Class, after his car was hit by flash flood in the City, the replacement cost of the engine was a whopping RM80,000.

Endorsement for Flood
You have the option to supplement your policy by the payment of an additional premium with a flood, storm, hurricane, and tempest Endorsement.

An endorsement is basically an additional coverage that you may subscribe together with the original Policy with a fee.

For the Endorsement for Special Perils, the additional premium required is 0.5% of the value of the car.

For example, the calculation for a car with a sum insured of RM70,000 is as follows:
0.5% x RM 70,0000.00 = RM 350.00

Riot, Strike, and Civil Commotion (RSCC)
In view of the current events, riots and other public disturbances are becoming a common issue worldwide.

The generic Policy does not cover for damages inflicted upon your car consequence to a violent act, or any disturbance of the public peace.

Endorsement for RSCC

To avoid being devastated by such events, subscribing to the endorsement providing protection against riots, strikes, and civil commotions will be beneficial as it specifically covers the following:

The act of any person taking part in any disturbance of the public peace or the acts of a lawful authority done in suppressing or minimizing the said disturbance; and
The willful act of any striker or worker done in the demonstration of a strike or resistance to any lockout from the working premises, or the acts of any lawful authority done to suppress or minimize the consequences of the worker’s acts.

To obtain the Endorsement for RSCC, one has to pay a premium of 0.3% of the sum assured.
For example, the calculation of the additional premium for  a Toyota Avanza with a sum insured   at  RM 70,000.00 is as follows:
0.3% x RM 70,000.00 = RM 210.00

Legal Liabilities to Passengers

The generic Policy has a clause on the Exclusion of Legal Liabilities to Passengers (“LLP”).   
The insurer will not cover you for any injury sustained by the passengers.

Endorsement for LLP

You can choose to extend the cover by removing the existing LLP clause (Endorsement 100) for a fee, then, the Insurers will cover you with some exceptions as stated herein.

The premium for LLP endorsement is 25% of the Third Party Premium whereby RM 10.00 is added for every seat that is in excess of five seats.
For example, for a Toyota Avanza, with a sum insured at RM70,000  the Third Party Premium is estimated to be RM 168.75. Therefore, the calculation for the LLP Endorsement is as follows:

25% x RM 168.75 =RM 42.19
RM42.19+ RM20.00 (for the additional two seats) = RM 62.19

The Insurers WILL NOT pay for any bodily injury or death of a passenger who is:
- paying for the ride; or
- your employee;  or
- your family member, transported in the course of a  leisurely travel.

Vehicles Entering Singapore
Another point to note is that,  if  you are planning to drive to Singapore with your vehicle, you are required to have the  Endorsement for LLP as it is compulsory in Singapore.

Source: Alex Chang & Co.

想要說走就走的事業嗎?並及於你長期被動式的收入

欲了解我們的保險經營系統與生意模式!
请按此 goo.gl/forms/vNPJxvwEG7q17VGt1

•成功的策略聯盟組織
•締造無數個驕人業績
•系統化的訓練方程式
•全國代理社網絡和軟硬體設備
•組織優質文化和精神
•人才薈集的成功磁場
•活力十足的創業環境
•愛心社會

備註:視頻源於xx航空公司
... Read moreHide

1 week ago

MQ : Money Quotient : Putting money in the context of life.
MQ is in the Busi-ness to enrich your Wealth always.

It is great opportunity to capture profit. Buy low, sell high.
RM is to be strengthening in the soonest time besides the stock market is quite low now.

www.mqbusinesswealth.com
... Read moreHide

3 weeks ago

MQ : Money Quotient : Putting money in the context of life.
MQ is in the Busi-ness to enrich your Wealth always.

Why a Property May Not Be the Best Form of Investment

Amongst the many investment vehicles available in the market, properties remain one of the best. It’s relatively safe, and through leverage, can yield fantastic returns. However, if we were to look at it from another point of view, they aren’t as liquid as people would like to think they are. You can convert shares into cash almost immediately. You could make a withdrawal on your fixed deposit as soon as the bank opens, if you urgently need the cash.

Yet, it’s impossible to convert a property into cash overnight. Even if you managed to find a willing buyer for your property immediately, it would take you anywhere between three to six months in order to complete the transaction.

So what’s liquidity all about? It can be defined as “how quickly an asset can be bought or sold in the market without affecting the asset’s price”, but do people truly grasp the importance of having that?

For this topic, we’ve got LivingSpace.com.my founder and property analyst Ikhram Merican on-board to talk about it in greater detail. He’ll cover whether an increase in your property’s value will translate to real wealth, and here’s what he has to say.

How It All Began
There’s a particular episode which taught me the important lesson of fully comprehending what liquidity is. You see, many years ago, my father built his dream home in Petaling Jaya. It was a masterpiece of its time.

He hired a well-established architect from Canada, and together with my mum, raised a beautiful structure. Not so many years later, my father’s company was forced to restructure. Top management was laid off, including my father. Keeping the house became a burden. Eventually, my parents decided that they’d have to sell it.

Although they weren’t happy at the prospect of selling the house, they weren’t too worried. They knew that after they sold this house, they’d still have enough equity to buy another bungalow, with cash to spare. It was just going to be a small downsizing exercise. They were very wrong. Two years passed without a buyer in sight.

By this time, they had gotten desperate. The house was eventually sold at a loss.

Valuation Has Little Meaning (Source: Pexels)
Paper gains and real gains are two completely different things in the world of investments. Many investors are not aware of this, and even if they are, it’s easily forgotten. Everyone buys property with the expectation that the value of the property will increase. Most of the time it does. But does an increase in your property value actually translate to real wealth?

I knew a person who wanted to sell his apartment unit. The market value of the property at that time was RM3.35mil, whereas he had acquired it at RM2.2mil. His gains looked great on paper. However, more than a year passed, without him being able to sell it. The property value thus meant nothing to him, as long as it remained the way it was – merely figures on a piece of paper.

Until he can sell that unit, a value of even RM5mil would mean very little to him. And if his circumstances were to suddenly take a turn for the worse and the bank forecloses on his apartment, he may not have a property anymore and still be in debt.

Avoiding Liquidity Pitfalls
You’d be forgiven for thinking that only high-end properties face liquidity problems because that couldn’t be further from the truth. Apart from the fact that it takes three months or more to complete the sales transaction, there are many other factors to be taken into consideration that will prolong the sale of any property.

For example, an RM300,000 house located in the heart of Klang Valley may be difficult to sell because it’s located right next to a sewage treatment plant. An otherwise attractive and affordable condo unit may be impossible to sell because there was a suicide case on the same floor.

Some liquidity factors may be out of your control, but with a bit of careful planning, you can make it easier for you to sell.

Some Tips for You to Take Away (Source: Pexels)

1. Remember that property is not very liquid: Never plan to solely rely on your capital gains for emergencies. You still need to have very liquid assets like cash, stocks or insurance as contingency reserves, not property.

2. Plan your exit well: When you buy a property, remember to also plan for your exit strategy. You may want to sell it after a couple of years to upgrade or to pay for your child’s tertiary education fees. Whatever the reason may be, knowing when you want to exit is important to realise a gain.

3. Look at demand factors: Conduct in-depth research so that you’re able to buy properties that have a strong potential for demand. You should consider infrastructure, connectivity, affordability, as well as the layout of the property.

4. Emphasise perceived value over market value: Your property may have a market value of RM500,000 but if it’s perceived to be worthless because of its rundown condition, you’d almost certainly face a tough time finding the right buyer. By investing some cash on your property to refurbish it to more presentable levels, you’d not only be able to attract genuine customers, you might even be able to sell it at a marginally higher price!

Properties Are Not Very Liquid
While there’s no doubt that a property is one of the best forms of investment you could choose, it’s still vital for you to know how to manage the liquidity factor that comes along with it. It’s this ability to properly identify and handle it that will differentiate between a sound and a risky investment.

It’s also important to make sure that you use an accurate and reliable tool to check for your home loan eligibility before you commit to what is possibly one of your biggest financial decisions.

Source: iProperty

www.mqbusinesswealth.com
... Read moreHide

3 weeks ago

MQ : Money Quotient : Putting money in the context of life.
MQ is in the Busi-ness to enrich your Wealth always.

Why a Property May Not Be the Best Form of Investment

Amongst the many investment vehicles available in the market, properties remain one of the best. It’s relatively safe, and through leverage, can yield fantastic returns. However, if we were to look at it from another point of view, they aren’t as liquid as people would like to think they are. You can convert shares into cash almost immediately. You could make a withdrawal on your fixed deposit as soon as the bank opens, if you urgently need the cash.

Yet, it’s impossible to convert a property into cash overnight. Even if you managed to find a willing buyer for your property immediately, it would take you anywhere between three to six months in order to complete the transaction.

So what’s liquidity all about? It can be defined as “how quickly an asset can be bought or sold in the market without affecting the asset’s price”, but do people truly grasp the importance of having that?

For this topic, we’ve got LivingSpace.com.my founder and property analyst Ikhram Merican on-board to talk about it in greater detail. He’ll cover whether an increase in your property’s value will translate to real wealth, and here’s what he has to say.

How It All Began
There’s a particular episode which taught me the important lesson of fully comprehending what liquidity is. You see, many years ago, my father built his dream home in Petaling Jaya. It was a masterpiece of its time.

He hired a well-established architect from Canada, and together with my mum, raised a beautiful structure. Not so many years later, my father’s company was forced to restructure. Top management was laid off, including my father. Keeping the house became a burden. Eventually, my parents decided that they’d have to sell it.

Although they weren’t happy at the prospect of selling the house, they weren’t too worried. They knew that after they sold this house, they’d still have enough equity to buy another bungalow, with cash to spare. It was just going to be a small downsizing exercise. They were very wrong. Two years passed without a buyer in sight.

By this time, they had gotten desperate. The house was eventually sold at a loss.

Valuation Has Little Meaning (Source: Pexels)
Paper gains and real gains are two completely different things in the world of investments. Many investors are not aware of this, and even if they are, it’s easily forgotten. Everyone buys property with the expectation that the value of the property will increase. Most of the time it does. But does an increase in your property value actually translate to real wealth?

I knew a person who wanted to sell his apartment unit. The market value of the property at that time was RM3.35mil, whereas he had acquired it at RM2.2mil. His gains looked great on paper. However, more than a year passed, without him being able to sell it. The property value thus meant nothing to him, as long as it remained the way it was – merely figures on a piece of paper.

Until he can sell that unit, a value of even RM5mil would mean very little to him. And if his circumstances were to suddenly take a turn for the worse and the bank forecloses on his apartment, he may not have a property anymore and still be in debt.

Avoiding Liquidity Pitfalls
You’d be forgiven for thinking that only high-end properties face liquidity problems because that couldn’t be further from the truth. Apart from the fact that it takes three months or more to complete the sales transaction, there are many other factors to be taken into consideration that will prolong the sale of any property.

For example, an RM300,000 house located in the heart of Klang Valley may be difficult to sell because it’s located right next to a sewage treatment plant. An otherwise attractive and affordable condo unit may be impossible to sell because there was a suicide case on the same floor.

Some liquidity factors may be out of your control, but with a bit of careful planning, you can make it easier for you to sell.

Some Tips for You to Take Away (Source: Pexels)

1. Remember that property is not very liquid: Never plan to solely rely on your capital gains for emergencies. You still need to have very liquid assets like cash, stocks or insurance as contingency reserves, not property.

2. Plan your exit well: When you buy a property, remember to also plan for your exit strategy. You may want to sell it after a couple of years to upgrade or to pay for your child’s tertiary education fees. Whatever the reason may be, knowing when you want to exit is important to realise a gain.

3. Look at demand factors: Conduct in-depth research so that you’re able to buy properties that have a strong potential for demand. You should consider infrastructure, connectivity, affordability, as well as the layout of the property.

4. Emphasise perceived value over market value: Your property may have a market value of RM500,000 but if it’s perceived to be worthless because of its rundown condition, you’d almost certainly face a tough time finding the right buyer. By investing some cash on your property to refurbish it to more presentable levels, you’d not only be able to attract genuine customers, you might even be able to sell it at a marginally higher price!

Properties Are Not Very Liquid
While there’s no doubt that a property is one of the best forms of investment you could choose, it’s still vital for you to know how to manage the liquidity factor that comes along with it. It’s this ability to properly identify and handle it that will differentiate between a sound and a risky investment.

It’s also important to make sure that you use an accurate and reliable tool to check for your home loan eligibility before you commit to what is possibly one of your biggest financial decisions.

Source: iProperty

www.mqbusinesswealth.com

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