Innovation-driven healthcare and retirement financing for Malaysia’s seniors
What we do at KALSIS
We invest in people to create a progressive society that is meaningfully invested in each other.
Our Impact
Healthcare Financing
KALSIS enables seniors battling cancer to fund their treatments and retirement by unlocking wealth from their biggest assets: their homes.
Retirement Resilience
KALSIS enhances the financial resilience of seniors with lump sum payouts and monthly annuities for life while being able to age in place without moving.
Capital Markets Innovation
KALSIS is Asia’s first impact scheme to harness the power of capital markets and is funded by institutional investors with Kenanga Investors Berhad leading the charge.
Eligibility Criteria
What you need to know
Senior must be:
- Malaysian, Permanent Resident or MM2H Resident
- 60 years old and above (includes spouse or partner)
- Owner of the home and has the requisite legal capacity to sell the home
- Currently undergoing treatment for cancer (If two seniors own the home, one of the two seniors must be undergoing treatment for cancer)
Home must be:
- Freehold, landed and located in Klang Valley (certain postcodes excluded)
- Occupied by owner as their primary place of residence
- Free from all encumbrances, such as mortgage and/or other financial liabilities. All property taxes, management fees (where applicable) and utility bills have to be paid up to date
- Not built on Malay reserved land, not a low-cost/ medium-cost affordable home, not a designated Bumiputera unit
- Valid and effective legal title issued under the name of the senior
- Valid Certificate of Completion and Compliance / Certificate of Fitness for Occupation
- Meets KALSIS evaluation criteria
What Will You Get
Scheme Benefits
Immediate lumpsum payout for healthcare needs in Year 1
From Year 2 onwards, monthly lifetime annuities for living expenses
Age in place without moving and in the comfort of home
Complimentary Services
Testimonials
What Our Clients Say
THE PEOPLE BEHIND KALSIS
A partnership with innovation and impact at its core
AN LIVING
AN LIVING is a Singapore-based company with a mission to create healthcare and retirement financing solutions for ageing populations.
AN LIVING is a product of Modern Ageing – an innovation programme jointly administered by NUS Enterprise (the entrepreneurial arm of National University of Singapore) and ACCESS Health International to catalyse ageing and healthcare related innovations.
KENANGA INVESTORS BERHAD
Kenanga Investors Berhad (‘KIB’) provides investment solutions ranging from collective investment schemes, portfolio management services, and alternative investments for retail, corporate, institutional, and high-net worth clients via a multi-distribution network.
The Hong Kong-based Asia Asset Management’s 2024 Best of the Best Awards awarded KIB under the following categories, Malaysia Best Impact Investing Manager, Best Impact Investing Manager in ASEAN, Malaysia Best Equity Manager, Malaysia CEO of the Year, Malaysia CIO of the Year, Malaysia Best House for Alternatives, Malaysia Most Improved Fund House and Malaysia Best Investor Education.
At the LSEG Lipper Fund Awards Malaysia 2024, KIB received awards for the Kenanga Malaysian Inc Fund (“KMIF”) under the best Equity Malaysia Diversified – Malaysia Pension Funds over 10 Years and the Kenanga Diversified Fund (“KDF”) under the best Mixed Asset MYR Flexible – Malaysia Pension Fund over 10 Years.
The FSMOne Recommended Unit Trusts Awards 2023/2024 named Kenanga Growth Fund Series 2 as “Sector Equity – Malaysia Focused”, Kenanga Shariah Growth Opportunities Fund as “Sector Equity – Malaysia Small to Medium Companies (Islamic)” and Kenanga Shariah OnePRS Growth Fund as “Private Retirement Scheme – Growth (Islamic)”.
For the seventh consecutive year, KIB was affirmed an investment manager rating of IMR-2 by Malaysian Rating Corporation Berhad, since first rated in 2017. The IMR rating on KIB reflects the fund management company’s well-established investment processes and sound risk management practices. As at end-June 2023, most of KIB’s funds had performed better than benchmarks and were comparable to peers.
KENANGA TRUSTEES BERHAD
Kenanga Trustees Berhad (formerly known as Kenanga Funds Berhad)(“Kenanga Trustees”), a subsidiary of Kenanga Investors Berhad, is a registered trust company under the Trust Companies Act 1949. The company specialises in a comprehensive range of trust services, including private trust solutions for individuals.
Kenanga Trustees’ tailored estate planning and strategic trust administration offerings serve the dual purpose of wealth preservation and growth across multiple generations, catering to the unique needs of its esteemed clientele.
In addition to private trusts, Kenanga Trustees also provides custodial and escrow agent services to corporate clients, making it the trusted partner for safeguarding and enhancing commercial interests.
Our decisions and actions are guided by these philosophies
Innovation
Innovation is key to delivering asymmetrical outcomes as the scale of healthcare and retirement issues to be addressed requires it.
Impact
Impact is intentionally measured as an end in itself and of itself to yield meaningful outcomes greater than the sum of efforts
Integrity
We act only in the aligned interests of our community of seniors and the Scheme’s institutional investors
KALSIS partners and investors creating a better tomorrow
News & Articles
Updates on our work
November 4, 2024
Lorlatinib (Lorviqua / Lorbrena) for Lung Cancer for Elderly Patients Malaysia
Lung cancer remains a significant health issue in
October 28, 2024
Understanding Colorectal Cancer Treatment Costs for Seniors in Malaysia with KALSIS
In our second installment focusing on the costs
October 28, 2024
The Challenge Facing Seniors In Malaysia: Paying For Pembrolizumab (Keytruda) For Lung Cancer, Triple Negative Breast Cancer, and Other Approved Treatments
Cancer is one of the leading causes of
Grow your career at KALSIS
Welcoming the fearless who pursue excellence and are searching for a mission to set their soul on fire.
Upload Your CVWe are constantly looking for highly talented and ambitious team players to help us deliver on KALSIS’ mission. Whether you are a professional, university graduate or returning to the workforce, we welcome you to share your career details.
Important Notice
Our communications with you start from a safe and trusted place to protect you and the public. As policy to help keep you safe:
- We do not appoint individuals other than our employees to represent us.
- We will never ask you for your banking details or passwords.
- We will never ask you for any payments or fees as KALSIS is funded by institutional investors participating in the Scheme.
- We will never send you links in any SMS or emails from us.
When in doubt, always connect with us via the KALSIS website to verify.