This personal platform offers consultation services on financial protection, precious metals and lifelong learning.
EXPLORE MY PORTFOLIOS →Different interests, connected by one philosophy: making better decisions for the future.
Helping individuals and families explore medical card, critical illness protection, education fund, retirement and legacy planning through takaful and hibah.
Explore Takaful →Discover gold ownership, precious metals, buying and selling opportunities, and the role of gold in wealth diversification.
Learn Gold →Explore selected books and reading materials for personal growth and lifelong learning.
Knowledge Investment →I believe that a meaningful life is built on three things: protecting the people we love, making thoughtful financial decisions and continuously expanding our knowledge.
Through my three portfolios, I aim to share useful insights, products and opportunities that create lasting value.
MEMAYUNG began with takaful and a simple purpose: helping individuals and families protect what matters most.
That same spirit of care now extends into building wealth through gold and enriching lives through knowledge — three connected pillars, one personal commitment.
Founded by Mohd Zarulsyafiq Mustafa
A track record built across technology, takaful and entrepreneurship.
Started as a part-time Takaful Advisor in Jan 2023.
A books and bullion venture, including Pustaka Buluisme and Public Bookz.
Over 7 years with a global healthcare company.
Takaful is Islamic-principle protection where participants contribute to a shared fund to help one another when a covered misfortune occurs.
How can this benefit me? →Takaful is built on mutual help and contributions (tabarru’) pooled among participants, and is managed under Shariah guidance. Conventional insurance transfers risk to the insurer in exchange for a premium.
How can this benefit me? →A takaful medical card helps cover eligible hospitalisation and medical expenses, up to the limits and subject to the terms in your certificate.
How can this benefit me? →Critical illness protection provides a lump-sum benefit if you are diagnosed with a covered critical illness, which can help with treatment costs and loss of income. Covered conditions and terms vary by plan.
How can this benefit me? →Takaful plans can be structured to build savings for your child’s education or your retirement, alongside protection. The right option depends on your goals, budget and timeline.
How can this benefit me? →Hibah is a voluntary gift of property made during one’s lifetime to a person of your choosing. It is often used in legacy planning alongside a will and faraid.
How can this benefit me? →Legacy planning is arranging in advance how your assets, protection and responsibilities are passed on to the people you love, so your family is not left with uncertainty.
How can this benefit me? →Many people see gold as a store of value and a way to diversify their assets. Its price can rise and fall, and no return is guaranteed.
How can this benefit me? →Start with knowledge. The easiest, most affordable and lowest-risk way is to read books on self-help, personal development, personal finance and business.
Get your reading materials here →Yes, I serve clients across Malaysia. Message me on WhatsApp to start a conversation.