RFP Module 4 case studies
RFP Module 4 · Put your knowledge to work in context.
The Registered Financial Planner (RFP) is a professional financial planning designation awarded by the Malaysian Financial Planning Council (MFPC), an independent self-regulatory body. The programme was launched in November 2002 by the then Governor of Bank Negara Malaysia, and the designation has since been approved by Bank Negara Malaysia (March 2005) as a qualification for applying for the Financial Advisers' Licence and Financial Advisers' Representative Licence under the Insurance Act 1996, and by the Securities Commission Malaysia (November 2005) as a qualification for the Investment Advisers Licence, with later approval for the Capital Markets Services Licence (CMSL) under the Capital Markets and Services Act 2007. The RFP Module 4 case studies are 5 cases and about 4,260 words.
1Case 1 - The Penang couple who want everything at once
Ravi and Mei Ling, aged 39 and 37, both work in Penang. Ravi earns RM9,800 gross a month and Mei Ling RM6,200; after EPF, SOCSO and PCB, their combined take-home pay is about RM13,100.
671 words, about 3 min2Case 2 - Nurul asks whether she is already over-insured
Nurul Aisyah, 41, is a senior laboratory manager earning RM11,400 gross (about RM9,300 net). She is divorced with custody of two children, aged 12 and 9.
847 words, about 4 min3Case 3 - Ong's employer shares and the 'capital guaranteed' switch
Ong, 52, plans to retire at 58. Net worth is RM3.4 million: RM1.15 million in shares of his listed employer (vested awards plus ESPP), RM780,000 in EPF, RM620,000 in three unit trust funds bought through a bank (5.5% sales charge, 1.6% annual management fee plus 1% trailing fee), a rental apartment worth RM430,000, RM310,000 in cash and RM120,000 in PRS.
959 words, about 5 min4Case 4 - Farid's zakat rebate and an unfiled shop-lot disposal
Farid, 46, is a Muslim Malaysian who runs a hardware trading sole proprietorship in Shah Alam. For YA 2025 the business made a net profit of RM240,000 after all allowable expenses; his only other income is rental of RM18,000 a year.
879 words, about 4 min5Case 5 - Chong's will, his mother, and a RM1.5m guarantee
Chong, 49, is a non-Muslim Malaysian living in Kuala Lumpur. He owns 60% of an engineering Sdn Bhd, estimated at RM4.2 million for his stake.
904 words, about 5 min