The FinancialRuler in 10 seconds

Edu-Fun Net 25%

Essential Net 55%

Safety Net 20%

Fun Money (10%)

Education Funds (10%)

Charity (5%)

Necessity Expenses (55%)

Serviceable Debts (35%)

Insurance
(10%)

Purpose Fund
(10%)

Financial Freedom (10%)

Emergency Funds ( 3 ~ 6 Months Expenses )

Step 1: Essential Net ( 55% )

Spend within the zone.
Limit your expenditure to 55% on needs and not wants.
For expenses that we incur in our every day lives which supports individual as well as family's health, welfare and facilitate the generation of income.

Necessity Expenses

Up to 55% for necessity expenses incurred in our every day lives such as housing, household, insurance, food, transport and serviceable debt.

Serviceable Debts

Up to 35% in serviceable debt, ie. property loans, vehicle loans, student loans.

Insurance

Up to 10% income goes into insurance.
Insurance that covers H&S, disability, major illness, death, personal accident

Safety Net ( 20% )

Do not utilize funds until objectives are met.
Comprises of Emergency Fund, Purpose Fund, Financial Freedom Fund.
Contractual saving & accumulation for purposes such as purchasing property, cars, wedding.

Emergency Funds

Never use these funds unless emergency happens.
Equivalent to 3 ~ 6 months of your monthly expenses.
Sum of money set aside for sudden injury, accidents, or an unexpected loss of income.
Why based on expense and not income?
A: For efficiency and attainability, we use expenses and not income to help you set aside minimum amount of money you need in an emergency fund which gives you the buffer you need to pay out-of-pocket expenses

Purpose Fund

10% of income for milestone, ie. property, wedding.

Financial Freedom Funds

10% of income for contractual saving & wealth accumulation.
Build passive income.

Edu-Fun Net

The edu-fun is for having fun. 25% is to regulate the spenders and the saver.

Fun Money

To regulate spending habits between the spender and saver.
10% to be spent in 3 months time else transfer to charity.
To enjoy money and be able to spend it guilt free.

Education Funds

10% is for education for your future, family education, children education, experiential learning and life long learning.

Charity

5% charity is for spreading the joy and love. Use this to give and love; to build relationships. You can't be financially successful without the ability to give.
Not limited to gifts such as wedding, charity, relief missionary. Birthdays, sponsorships, charity organizations are also part of charity.

The FinancialRuler in 10 seconds

Edu-Fun Net 25%

Essential Net 55%

Safety Net 20%

Fun
Money (10%)

Education
Funds (10%)

Charity (5%)

Necessity Expenses
(55%)

Serviceable Debts (35%)

Insurance
(10%)

Purpose
Fund (10%)

Financial Freedom
Funds (10%)

Emergency Funds ( 3 ~ 6 Months Expenses )

Step 1 Essential Net ( 55% )

Spend within the zone.
Limit your expenditure to 55% on needs and not wants.
For expenses that we incur in our every day lives which supports individual as well as family's health, welfare and facilitate the generation of income.

Necessity Expenses

Up to 55% for necessity expenses incurred in our every day lives such as housing, household, insurance, food, transport and serviceable debt.

Serviceable Debts

Up to 35% in serviceable debt, ie. property loans, vehicle loans, student loans.

Insurance

Up to 10% income goes into insurance.
Insurance that covers H&S, disability, major illness, death, personal accident

Step 2 Safety Net ( 20% )

Do not utilize funds until objectives are met.
Comprises of Emergency Fund, Purpose Fund, Financial Freedom Fund.
Contractual saving & accumulation for purposes such as purchasing property, cars, wedding.

Emergency Funds

Never use these funds unless emergency happens.
Equivalent to 3 ~ 6 months of your monthly expenses.
Sum of money set aside for sudden injury, accidents, or an unexpected loss of income.
Why based on expense and not income?
A: For efficiency and attainability, we use expenses and not income to help you set aside minimum amount of money you need in an emergency fund which gives you the buffer you need to pay out-of-pocket expenses

Purpose Fund

10% of income for milestone, ie. property, wedding.

Financial Freedom Funds

10% of income for contractual saving & wealth accumulation.
Build passive income.

Step 3 Edu-Fun Net

The edu-fun is for having fun. 25% is to regulate the spenders and the saver.

Fun Money

To regulate spending habits between the spender and saver.
10% to be spent in 3 months time else transfer to charity.
To enjoy money and be able to spend it guilt free.

Education Funds

10% is for education for your future, family education, children education, experiential learning and life long learning.

Charity

5% charity is for spreading the joy and love. Use this to give and love; to build relationships. You can't be financially successful without the ability to give.
Not limited to gifts such as wedding, charity, relief missionary. Birthdays, sponsorships, charity organizations are also part of charity.

About Us

Meet Mark, an experienced financial advisor and all his frustrations

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Why Choose Us

What makes us unique

All-In-One Financial Solution

Your complete financial picture at a glimpse - view your cash flow, income , assets, insurance and retirement information all in one platform.

Document Repository

Data management solution to store, manage and track your documents and correspondents - keep track of your data anytime anywhere.

Augmented Intelligence

FinancialRuler aggregates external public information for your personal use; an experience that is personal and engaging.

Social Connectivity

Connect with any financial professionals and users, track and manage the finances of you and your loved ones.

CRM, SCRM, CEM, CXM Tool

Connect digitally with your clientele and prospects, interact with our proprietary engagements tools. Deliver a whole new experience to your clientele.

Establish Trust with Clients

FinancialRuler empowers your client by providing transparency to take control of their own financial data in documents (eg: insurance review, tax review), helping build a strong rapport and trust with your client.

Financial Visualization

Leave the number crunching to us! Let FinancialRuler convert your complex data into easy-to-view reports, charts and graphs.

Time Saving

Let FinancialRuler take care of tedious tasks for you through integrated technologies in the platform like data aggregation, augmented intelligence and automated document completion tools. Save time managing fragmented data and increase productivity.

Ease of Use

Navigate through our platform with ease and without any training, FinancialRuler is an easy to use software and enables financial advisors to confidently adopt it in their daily operations

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