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      <title>List down your common concerns  by premalatha rengasamy</title>
      <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3</link>
      <description></description>
      <language>en-us</language>
      <pubDate>2025-06-24 02:26:41 UTC</pubDate>
      <lastBuildDate>2025-07-02 14:50:18 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
      <image>
         <url></url>
      </image>
      <item>
         <title>HQ Prema</title>
         <author>premasuccessformula</author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501758730</link>
         <description><![CDATA[<p>Market is slow</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 11:46:27 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501758730</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501759674</link>
         <description><![CDATA[<p>Worry about UTC knows too much of PnC</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 11:47:56 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501759674</guid>
      </item>
      <item>
         <title>Finding leads when you have exhausted most of your connections.</title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501759815</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 11:48:10 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501759815</guid>
      </item>
      <item>
         <title>How to close sales if client said think about it and does not show great interested on the presentation?</title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501760043</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 11:48:21 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501760043</guid>
      </item>
      <item>
         <title>How to be confident &amp; prepared for presentation</title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501760112</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 11:48:30 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501760112</guid>
      </item>
      <item>
         <title>Siva</title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501760214</link>
         <description><![CDATA[<p>Annualized return is not attractive in overall</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 11:48:41 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501760214</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501760306</link>
         <description><![CDATA[<p>client already b top up using EPF withdrawal  7 to 8 times already. now that already not working so dont want to continue to top up EPF withdrawal already.. so let it be ? </p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 11:48:47 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501760306</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501760415</link>
         <description><![CDATA[<p>1. Lack of interest/need</p><p>2. Financial constraints</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 11:48:56 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501760415</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501760786</link>
         <description><![CDATA[<p>Investor/client feels the current global issue esp with the Tariff from latest USA president they wonder if how many of PMB funds been affected </p><p><br/></p><p>How to give investor the confidence to retain their investment or top up in current market condition </p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 11:49:23 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501760786</guid>
      </item>
      <item>
         <title>BKI Cicilia Yih</title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501760809</link>
         <description><![CDATA[<p>Not confidence on public mutual return</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 11:49:27 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501760809</guid>
      </item>
      <item>
         <title>Prospects felt not confident with public mutual, coz previously always make losses</title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501761344</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 11:50:17 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501761344</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501761698</link>
         <description><![CDATA[<p>Can presentation but difficult to close prospects</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 11:50:52 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501761698</guid>
      </item>
      <item>
         <title>Sven Chong</title>
         <author>jianyanc123</author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501761897</link>
         <description><![CDATA[<p>Clients are greedy &amp; always want to buy funds at low price make they always wait and can't close sales.</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 11:51:08 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501761897</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501762060</link>
         <description><![CDATA[<p>Worry presentation skill</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 11:51:13 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501762060</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501762312</link>
         <description><![CDATA[<p>Comfortable with EPF and FD, doesn't want to take any risks.</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 11:51:18 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501762312</guid>
      </item>
      <item>
         <title>As majority of the funds portfolio were towards AI or Technology or even EV shares and how to give clients more info as being ask how bad is the funds in PMB affected esp China or those involve Technology shares </title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501762460</link>
         <description><![CDATA[<p><br/></p><p>Thanks ya </p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 11:51:23 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501762460</guid>
      </item>
      <item>
         <title>KTG Syafiq Aiman </title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501762720</link>
         <description><![CDATA[<p>Can't commit monthly </p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 11:51:46 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501762720</guid>
      </item>
      <item>
         <title>how to understand fund performance</title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501763304</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 11:52:45 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501763304</guid>
      </item>
      <item>
         <title>comparison from ASN, ASB with Public Mutual </title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501776334</link>
         <description><![CDATA[<p>Most of my prospects prefers invest in ASN and ASB , What is your most useful point to win their heart .</p><p><br/></p><p> </p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 12:11:21 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501776334</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501856577</link>
         <description><![CDATA[<p>DDA is a lifestyle to have a habit to safe and invest systematically </p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 13:44:02 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501856577</guid>
      </item>
      <item>
         <title>They prefer FD</title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501856811</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 13:44:17 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501856811</guid>
      </item>
      <item>
         <title>after sales services, nak up to date dgn fund performance, nak consult tu...</title>
         <author>rebelseventh</author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501859780</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 13:47:49 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501859780</guid>
      </item>
      <item>
         <title>FD</title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501867280</link>
         <description><![CDATA[<p>Client say prefer to invest in FD than Public Mutual Fund</p><p>Client no confidence whether his investment can make money or not</p><p><br></p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 13:57:00 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501867280</guid>
      </item>
      <item>
         <title>Cool market</title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501870910</link>
         <description><![CDATA[<p>Challenge on closing cool market.</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-25 14:01:24 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3501870910</guid>
      </item>
      <item>
         <title>Get an Appointment</title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3502660634</link>
         <description><![CDATA[<p>Client said they already have some investment or saving plan, don't want to commit at this movement &amp; may be later.</p><p>How to make them understand on their future cash flow growing with the higher inflation rate</p><p> </p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-26 05:04:44 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3502660634</guid>
      </item>
      <item>
         <title>Jasmine Yong </title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3504068273</link>
         <description><![CDATA[<p>Client make loses for previous epf investment and not feeling confident on unit trust </p>]]></description>
         <enclosure url="" />
         <pubDate>2025-06-27 09:14:36 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3504068273</guid>
      </item>
      <item>
         <title>How to explain and use the Build wealth Education planning calculator?

After these Reboot classes, where and who can i get help to understand how to use the investment calculators that are available in the PM website?</title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3508453928</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2025-07-02 12:32:52 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3508453928</guid>
      </item>
      <item>
         <title>I have a tendency to overexplain things to prospects, like with Ada Takaful and similar cases. Once, a client asked about hibah under PM, and I got stuck. It made me feel inadequate and a bit down.</title>
         <author>xms66c62x2</author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3508454833</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2025-07-02 12:34:25 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3508454833</guid>
      </item>
      <item>
         <title>My prospects said China market in Unit Trust not performing, the price keep dropping since he has invested for 15 years ago. He said he better invest in XXX Bank products with 10% return. </title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3508460355</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2025-07-02 12:42:46 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3508460355</guid>
      </item>
      <item>
         <title>How to present when prospect is interested in investing for her child&#39;s education fund? What tools to use and how to estimate?</title>
         <author></author>
         <link>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3508560019</link>
         <description><![CDATA[<p><br/></p><p>Thanks in advance for your guidance.</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-07-02 14:50:16 UTC</pubDate>
         <guid>https://padlet.com/premasuccessformula/5f5ql8bih9gjanp3/wish/3508560019</guid>
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