About
From Science to Finance: My Journey 👩🏻🔬
The path was never straight, but it was always mine.
🔬 From the Lab…
I began my professional journey in white coats and petri dishes, holding a degree in Microbiology & Immunology. Working in a pathology department in India, I found meaning—but also a quiet whisper inside me: "There’s something more I’m meant to do."
💔 A Shift in Priorities
Coming home to Malaysia changed everything.
💡 The Bold (Scary) Pivot
An inspiring woman—my aunty, with over 30 years of success at Public Mutual—planted a seed: “Why not become a Unit Trust Consultant?” But I was scared. No basic salary, no experience. So, I took what I felt like a safer route I joined CIMB as a Personal Financial Consultant. Yes, I had basic pay. But the pressure? Immense. Despite giving my all, I was invisible in a world that only saw numbers. That pain became my push. With my family’s support, I made a bold choice: I resigned after 3 months and stepped into the unknown with Public Mutual.
💪🏻 The Grit Phase: Starting from Zero
My first month’s income? RM632. I nearly gave up. But I saw people success stories—and I knew they must’ve paid the price. So, I made a promise to myself: “Give it 6 months. If it doesn’t work, I’ll go back to the lab.” Here’s where I really began:
🌟 Breakthrough & Purpose
After 6 years of relentless effort… At 30 years old, I became a Group Agency Manager at Public Mutual. Today, I:
💖 The Heart of My Mission
I believe in second chances, fresh starts, and hidden potential. That’s why I co-founded G.E.M.S Agency—✨ Get Everyone Moving to Success. We’re not just a team—we’re a movement. We mentor young minds, spread financial literacy, and help others build passive income so they can live life on their own terms.
🌈💬 To Anyone Just Starting Out…
Yes, it’s hard. Yes, it’s uncomfortable. But don’t run from it—run through it. “Success is on the other side of discomfort.”
You’ve got what it takes. And I’m right here to help you discover it.
🔬 From the Lab…
I began my professional journey in white coats and petri dishes, holding a degree in Microbiology & Immunology. Working in a pathology department in India, I found meaning—but also a quiet whisper inside me: "There’s something more I’m meant to do."
💔 A Shift in Priorities
Coming home to Malaysia changed everything.
- My father had passed away.
- My mother, living alone in Perlis, needed me close. But in a small town, opportunities felt few and far between.
💡 The Bold (Scary) Pivot
An inspiring woman—my aunty, with over 30 years of success at Public Mutual—planted a seed: “Why not become a Unit Trust Consultant?” But I was scared. No basic salary, no experience. So, I took what I felt like a safer route I joined CIMB as a Personal Financial Consultant. Yes, I had basic pay. But the pressure? Immense. Despite giving my all, I was invisible in a world that only saw numbers. That pain became my push. With my family’s support, I made a bold choice: I resigned after 3 months and stepped into the unknown with Public Mutual.
💪🏻 The Grit Phase: Starting from Zero
My first month’s income? RM632. I nearly gave up. But I saw people success stories—and I knew they must’ve paid the price. So, I made a promise to myself: “Give it 6 months. If it doesn’t work, I’ll go back to the lab.” Here’s where I really began:
- ❌ ZERO financial knowledge
- ❌ ZERO network
- ❌ ZERO sales experience
🌟 Breakthrough & Purpose
After 6 years of relentless effort… At 30 years old, I became a Group Agency Manager at Public Mutual. Today, I:
- Lead a team of 50+ passionate agents
- Serve over 700 unit holders
- Manage RM63+ million in total sales
- Hold the Certified Financial Planner (CFP) designation
💖 The Heart of My Mission
I believe in second chances, fresh starts, and hidden potential. That’s why I co-founded G.E.M.S Agency—✨ Get Everyone Moving to Success. We’re not just a team—we’re a movement. We mentor young minds, spread financial literacy, and help others build passive income so they can live life on their own terms.
🌈💬 To Anyone Just Starting Out…
Yes, it’s hard. Yes, it’s uncomfortable. But don’t run from it—run through it. “Success is on the other side of discomfort.”
You’ve got what it takes. And I’m right here to help you discover it.
G.E.M.S AGENCY MISSION & VISSION
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Our vision is to focus on helping our clients to achieve financial goals, as well as understanding each client’s unique purpose, mission, and values. We strive to empower clients by offering education, tools and resources aimed at facilitating clear communication and bringing definition to their ambitions and investment objectives.
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We strive to provide financial peace of mind by developing appropriate strategies and long-term support for clients to achieve their goals by setting and maintaining the highest standards in trusted advice, knowledge, and professionalism.
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Core Values
Our core values are the foundation of everything we do. They define who we are, why we do, what we do and how we do it.
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Integrity
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Success will come and go in your life, but integrity remains with you forever. Integrity means doing the correct things all the time, regardless of the consequences. Thus, our GEMS Agency ‘s consultant must not over promise or under deliver. We are committed to the highest standards of professionalism, trust, and honesty.
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Client Focus
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We build long-lasting relationships by always keeping our clients’ best interests as our top priority. Our primary focus is to provide personalized and creative solutions based on clients' needs and to achieve their financial goals.
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Teamwork
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We are committed to a teamwork environment where every person is a valued family member, treated with respect and encouraged to contribute with recognitions and rewards for his/her efforts.
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Innovation
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Innovation is exponential. With the rise of AI and new technologies, almost every industry is going through some sort of digital change. We need to adapt to changes, adopt new technologies and processes with open arms.
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Culture of Learning
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Learning Cultures in our agency are Important for Success and Improve Performance. A learning culture supports people to design their own career paths, allowing them to establish feelings of connectedness and engage in meaningful work
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LIST OF AWARDS
Personal Awards
2012 - Champion Top New Unit Trust Consultant (Branch Level)
2012 - Champion Top New Unit Trust Consultant (Special Awards) (Branch Level)
2012 - Champion Top Personal Sales Producer (Branch Level)
2013 - Champion Agency Supervisor (Branch Level)
2013 -1st Runner up Top Personal Sales Producer (Branch Level)
2014 -1st Runner up Top Personal Producer (Branch Level)
2015 -2nd Runner up Top Personal Producer (Branch Level)
2016 -Top Recruiter (Branch Level)
2017 - Group Agency Manager Promotion Recognition
2018 - Champion Group Agency Manager (Branch Level)
2019 - 2nd Runner Up Group Agency Manager (Branch Level)
2020-2nd Runner Up Group Agency Manager (Branch Level)
2021-2nd Runner Up Group Agency Manager (Branch Level)
2022-1st Runner Up Group Agency Manager (Branch Level)
2023- Double Champion Group Agency Manager & Top Personal Producer (Branch Level)
2024- Champion Group Agency Manager (Branch Level)
2012 - Champion Top New Unit Trust Consultant (Special Awards) (Branch Level)
2012 - Champion Top Personal Sales Producer (Branch Level)
2013 - Champion Agency Supervisor (Branch Level)
2013 -1st Runner up Top Personal Sales Producer (Branch Level)
2014 -1st Runner up Top Personal Producer (Branch Level)
2015 -2nd Runner up Top Personal Producer (Branch Level)
2016 -Top Recruiter (Branch Level)
2017 - Group Agency Manager Promotion Recognition
2018 - Champion Group Agency Manager (Branch Level)
2019 - 2nd Runner Up Group Agency Manager (Branch Level)
2020-2nd Runner Up Group Agency Manager (Branch Level)
2021-2nd Runner Up Group Agency Manager (Branch Level)
2022-1st Runner Up Group Agency Manager (Branch Level)
2023- Double Champion Group Agency Manager & Top Personal Producer (Branch Level)
2024- Champion Group Agency Manager (Branch Level)
Speaker Award
2017 & 2018 Nationwide Speaker
National Sales Convention
2013 - Amsterdam
2014 - Turkey
2015 - Vienna & Budapest
2016 - New York & Canada,
2017- Seoul & Jeju
2018 - Moscow
2019 - Cape Town
2020 - India
2021- Paris & London
2022 - French Riviera
2023 - Gold Coast, Australia
2024- Portugal
2025- Croatia
2014 - Turkey
2015 - Vienna & Budapest
2016 - New York & Canada,
2017- Seoul & Jeju
2018 - Moscow
2019 - Cape Town
2020 - India
2021- Paris & London
2022 - French Riviera
2023 - Gold Coast, Australia
2024- Portugal
2025- Croatia
lATEST UPDATES
Nationwide annual dinner | 18.5.2025
Last night was the Annual Award Dinner—a celebration of nationwide achievers from all over the country. One moment that truly inspired me: Watching a fellow consultant from Penang Walk up the stage as the
Nationwide Top No. 1. 👏So proud of him—and at the same time, I couldn’t help but think,
“One day, I want to be like him.” To stand on that stage. To be the best, not just for myself, but for my team, my family, and everyone who has supported me. That moment lit a fire in me. The dream is big—but I believe it’s possible.
One day, I’ll Walk that stage too. And when I do, I’ll remember this feeling.
Nationwide Top No. 1. 👏So proud of him—and at the same time, I couldn’t help but think,
“One day, I want to be like him.” To stand on that stage. To be the best, not just for myself, but for my team, my family, and everyone who has supported me. That moment lit a fire in me. The dream is big—but I believe it’s possible.
One day, I’ll Walk that stage too. And when I do, I’ll remember this feeling.
Northern Region Branch Award Night | 21.4.2025
Feeling happy and blessed to be awarded Champion Group Agency Manager again this year.
It’s truly an honour to be seated at the VVIP table, together with our seniors and CEO. Moments like this remind me how far I’ve come, and how much more I want to achieve.
Every award is not just a recognition, but a motivation—to work harder, grow stronger, and help more people succeed in this business.
Looking forward to a better and more exciting year ahead. Let’s aim higher, do better, and keep moving forward. 💪
It’s truly an honour to be seated at the VVIP table, together with our seniors and CEO. Moments like this remind me how far I’ve come, and how much more I want to achieve.
Every award is not just a recognition, but a motivation—to work harder, grow stronger, and help more people succeed in this business.
Looking forward to a better and more exciting year ahead. Let’s aim higher, do better, and keep moving forward. 💪
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2025 Nationwide February Top Submission of COA
2023-Rise and Race Ahead Challenge (Campaign Period: 28 December 2022 – 27 March 2023 )
one of the Nationwide Top 77 Achievers
one of the Nationwide Top 77 Achievers
2020- Corporate PRS Cash Bonanza Campaign 2020
one of the Top Nationwide Winner
one of the Top Nationwide Winner
bE part of our teams now!
Northern region branch annual awards 2024
Double-champion achiever
Despite the challenges that 2023 brought, I've managed to overcome them and continue achieving my goals. Having my mom by my side to witness my success each year since 2013 is incredibly meaningful.
Cherishing these moments together and knowing that my mom able takes pride in my accomplishments is a beautiful motivation to keep striving for even greater heights. One of my wishes is to continue celebrating these milestones with my loved one every year.
Here's to many more years of shared happiness, achievements, and cherished memories with her by your side!
Cherishing these moments together and knowing that my mom able takes pride in my accomplishments is a beautiful motivation to keep striving for even greater heights. One of my wishes is to continue celebrating these milestones with my loved one every year.
Here's to many more years of shared happiness, achievements, and cherished memories with her by your side!
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Featured on company Bulletin:
Our gems teams
~If you want to go far, go T.O.G.E.T.H.E.R! Teamwork!
nATIONWIDE tHE bULLETIN sEPT/OCT 2023 issue
honoured be interviewed for one of the columns related to Building Social Media Presence.
ladies talk 6.6.2024
Yesterday, I reached out to K-ling, a talented makeup artist and incredible mom, to reminisce about our ladies' opportunities talk from 9 years ago (10.7.2015) and to discuss our upcoming seminar on 6/6. I told her, "Wow, K-ling, can you believe it’s been 9 years already? 🤭"
It’s amazing how time flies. Looking ahead, I’m thrilled that in another 9 years, we’ll have the chance to collaborate again on ladies' business opportunities and makeup tutorials. It’s deeply touching and fulfilling to see how we’ve both grown stronger over these years.
I still remember the early days of my career in the financial industry, when people questioned how I could survive without a basic salary and whether I regretted leaving my pathology job. Despite my initial shyness and lack of enthusiasm for sales and marketing, I’ve managed to persist and thrive for over 13 years.
Through this journey, I’ve learned that determination and focus are key. Setting clear goals provides direction and helps overcome challenges. I believe that growth comes not from ease but from facing and overcoming difficulties. Those who persevere through challenges can succeed in any sales industry 💪🏼💪🏼.
Over the past 14 years, consistency in daily and weekly work has made a significant impact. I’ve spent more than 800 days doing roadshows and face-to-face activities, which led to my promotion to Group Agency Manager at the age of 30 in 2017. I’ve built a diverse team, started a family, and now, as a mother of two, I cherish the flexibility this career offers.
On 6/6, we’ll host a ladies’ afternoon party featuring a makeup tutorial by K-ling and a brief sharing of my journey from starting in the financial industry at 24 with a non-financial background to becoming a Certified Financial Planner and Group Leader in Public Mutual. I’m excited to share my experiences and hope they provide guidance for those considering a second source of income or a career switch 🥳.
Looking forward to seeing you on 6/6! 🥳🥳 Thursday, 2:30-4:30 pm
It’s amazing how time flies. Looking ahead, I’m thrilled that in another 9 years, we’ll have the chance to collaborate again on ladies' business opportunities and makeup tutorials. It’s deeply touching and fulfilling to see how we’ve both grown stronger over these years.
I still remember the early days of my career in the financial industry, when people questioned how I could survive without a basic salary and whether I regretted leaving my pathology job. Despite my initial shyness and lack of enthusiasm for sales and marketing, I’ve managed to persist and thrive for over 13 years.
Through this journey, I’ve learned that determination and focus are key. Setting clear goals provides direction and helps overcome challenges. I believe that growth comes not from ease but from facing and overcoming difficulties. Those who persevere through challenges can succeed in any sales industry 💪🏼💪🏼.
Over the past 14 years, consistency in daily and weekly work has made a significant impact. I’ve spent more than 800 days doing roadshows and face-to-face activities, which led to my promotion to Group Agency Manager at the age of 30 in 2017. I’ve built a diverse team, started a family, and now, as a mother of two, I cherish the flexibility this career offers.
On 6/6, we’ll host a ladies’ afternoon party featuring a makeup tutorial by K-ling and a brief sharing of my journey from starting in the financial industry at 24 with a non-financial background to becoming a Certified Financial Planner and Group Leader in Public Mutual. I’m excited to share my experiences and hope they provide guidance for those considering a second source of income or a career switch 🥳.
Looking forward to seeing you on 6/6! 🥳🥳 Thursday, 2:30-4:30 pm
6.6.2024 Lady Biz Opportunities & Make up Tutorial at Subway.
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Parent day 16.6.2023
See you on 16.6.2023 for Parent's Day celebrations!
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WHAT MAKE U STARTED THE unit trust industry?
I was first introduced to unit trust investment through my late father, who was a postman living in a small town in Perlis. He started saving for my education and that of my brother early on, even though I didn’t fully understand it at the time. He used to tell me about how he was investing his hard-earned money into unit trusts, but back then, I didn’t grasp the significance. However, he always disciplined himself to save whenever his salary came in.
Sadly, in 2010, my father passed away unexpectedly, without leaving any messages for my mom and siblings. After we settled everything, my sister shared with me that our father had invested some money for us in unit trusts. When I checked, I realized that the fund he had invested in back in 2008 had performed better than just putting the money in a savings account or fixed deposit. Thanks to my dad's foresight, I was able to use some of that money to pay for the down payment on my first car.
My background is actually in microbiology, and my first job was at SSHV Hospital in Uttar Pradesh, India. Although I had no prior experience, they provided accommodation and food, which helped me get by. When I returned to Malaysia, I searched for hospital jobs, but the salaries were low and the locations were far from my hometown in Perlis.
Wanting to spend more time with my mom, I began exploring other job opportunities that could provide a higher income. It was my mom who encouraged me to join my aunt, who had 30 years of experience with Public Mutual, Public Bank. She explained that I could create financial planning awareness, especially among younger generations, as the awareness to start saving early is still low in Malaysia. Of course, she also mentioned that I could earn a good income along the way.
At first, I wondered what the unit trust business would be like and how long I would stay in this field. I never expected that I would still be here today, nearly 13 years later.
Since 1st September 2011, my journey as a Unit Trust Consultant has been ongoing. Now, I do the same for my own kids—I educate them about saving by putting their angpow and festive money into unit trusts, with the goal of withdrawing it when they turn 18.
Sadly, in 2010, my father passed away unexpectedly, without leaving any messages for my mom and siblings. After we settled everything, my sister shared with me that our father had invested some money for us in unit trusts. When I checked, I realized that the fund he had invested in back in 2008 had performed better than just putting the money in a savings account or fixed deposit. Thanks to my dad's foresight, I was able to use some of that money to pay for the down payment on my first car.
My background is actually in microbiology, and my first job was at SSHV Hospital in Uttar Pradesh, India. Although I had no prior experience, they provided accommodation and food, which helped me get by. When I returned to Malaysia, I searched for hospital jobs, but the salaries were low and the locations were far from my hometown in Perlis.
Wanting to spend more time with my mom, I began exploring other job opportunities that could provide a higher income. It was my mom who encouraged me to join my aunt, who had 30 years of experience with Public Mutual, Public Bank. She explained that I could create financial planning awareness, especially among younger generations, as the awareness to start saving early is still low in Malaysia. Of course, she also mentioned that I could earn a good income along the way.
At first, I wondered what the unit trust business would be like and how long I would stay in this field. I never expected that I would still be here today, nearly 13 years later.
Since 1st September 2011, my journey as a Unit Trust Consultant has been ongoing. Now, I do the same for my own kids—I educate them about saving by putting their angpow and festive money into unit trusts, with the goal of withdrawing it when they turn 18.
Career Talk 31.5.2022
It is our pleasure to be selected as one of the UUM's career event speaker for coming 31.5.2022.
I'm so honour to be one of the continuous speaker for UUM career event. I still remember my 1st talk with UUM Students was on April 2012. Time pass so fast!
See You soon! All UUM Juniors.
I'm so honour to be one of the continuous speaker for UUM career event. I still remember my 1st talk with UUM Students was on April 2012. Time pass so fast!
See You soon! All UUM Juniors.
1st Live for Series <MEET THE YOUNG ENTREPRENEURS> in English throughout Malaysia
我们9月9号见！！
