Takaful & unit trust · the R Cubed teamFamily & Life Takaful
Life cover that keeps your family protected, sized to your real needs.
Takaful & unit trust · the R Cubed teamR³
Hi, I'm Raff. I help Malaysian families manage money with confidence.
I help you with protection and investment, plus the know-how to manage money yourself through Urus Wang Mudah. Learn first, decide once it clicks.
"Tak susah. Janji faham."
- Independent: 9 takaful companies & Public Mutual
- Explain first, no hard selling
- Free review of existing policies & investments
500+
families
helped
helped
Protection · Capspring Temasik
The takaful I manage for you.
Pick whatever weighs on your mind right now. We start there.
Children's Education Takaful
Build your child's university fund while protecting them if anything happens to you.
Takaful Medical Card
Covers rising hospital bills so your savings stay intact.
Critical Illness
A lump-sum payout on diagnosis, so you can focus on recovery, not lost income.
Existing Policy Review
Already covered? I review it free: gaps, overlaps, or overpaying?
Hibah & Estate Planning
Benefits reach the right people, following faraid and your wishes, without dispute.
Every family is different. Let's chat and find the plan that fits →
Independent & not tied
I'm not tied to one company.
Access to 9 takaful companies, so I recommend what truly fits you, not what pays the highest commission. You choose, I explain.
Investment · Public Mutual
Put your money back to work.
Start investing small and consistent, toward your real goals, with a Public Mutual unit trust consultant.
Unit Trust Funds
From as little as RM100 a month, in funds that match your risk and goals.
Retirement Savings
Build your retirement fund earlier with the Private Retirement Scheme (PRS), so you retire with peace of mind.
EPF Investment (i-Invest)
Invest part of your EPF savings in selected funds, straight from i-Akaun.
Investing carries risk; unit prices can rise and fall. I explain every risk before you start.
Guidance · Urus Wang Mudah
UWM OS, the AI money coach for Malaysian families.
Urus Wang Mudah (UWM) is the money hub Raff founded. UWM OS is its AI money coach: enter your real numbers and get a clear plan you can actually follow.
Guided, not generic. 25 modules, based on your own ringgit.
Not a budgeting app, not a course. A money coach in plain Malay and English.
Pay once, yours forever. Works with everyday AI assistants.
Explore UWM OS From RM47 · education, not licensed advice
About me
Why I do this work.
I started because of one frustrating truth: financial guidance in Malaysia is usually too generic, or too expensive to reach. Most of us just feel lost talking about money.
So I work differently: explain first, sell later. Understand every decision before you sign, with no hard selling and no jargon.
I'm not a licensed financial adviser. I'm a takaful and unit trust consultant who helps you understand your options, then choose what fits. I run my practice under R Cubed, and founded Urus Wang Mudah.
Raff Abdullah Let's get acquainted
My team · R Cubed
My service stands on one team: R Cubed.
The takaful & unit trust advisory team under the Raff Abdullah brand, with one standard for every client.
Where I operate
Capspring Temasik Financial Group Takaful platform · Marketing Representative
Public Mutual Unit trust · Consultant
Chat with me Raff Abdullah out front. R Cubed the team behind.
R CubedR³
Takaful & unit trust advisory team
Three sides. One cube. Drop one, no cube.
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Rooted. Every client is a trust, not a sales target.
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Refined. Study the products, refine the approach, explain clearly.
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Resolute. Keep promises, care for clients through to claims.
R Cubed is the team I run. Raff Abdullah is the person you meet. One standard, one promise.
Join the team · R Cubed
Want to build a takaful & unit trust career the right way?
R³ is Rooted, Refined, Resolute: three sides, one cube. If those values are yours, build your takaful & unit trust practice with us.
Mentored, not left alone
Learn the "explain first, sell later" craft, not a sales script. Guided step by step.
Platform & resources
Access to 9 takaful companies and Public Mutual, plus UWM OS for your clients.
One standard, one team
You carry the R Cubed name: Rooted, Refined, Resolute. You are never on your own.
Apply to join R Cubed
For people who want to help others understand money, not just sell.
Got a question about takaful or investing? Let's chat, free.
Just starting out, or want a second opinion on an existing policy? No hard selling. I listen first, then suggest.
Chat with Raff on WhatsAppI usually reply within a few hours.