Yes, we want to make it official and pen it down, black and white. We are coining the term “Movement Insurance”.

Wait… What does it mean?

In the past 2 years, other than Covid-19 taking over the news, there’s another virus gaining massive attention in the media and we’re sure you have seen them in your Facebook or YouTube ads.

All your friends have already started, don’t get left behind!

The investment of your wealth. Heard any of these recently?

“This opportunity will never come again in another 10 years”

“This is the best time to start, don’t miss this chance”

“Stop trading your time for money”

“Better start compounding the interest of your idle inflated money”

The wealth industry like those of stocks, cryptocurrency, property, wealth protection, insurance and many others have taken over the people’s attention by storm in these 2 years.

While it’s good to invest time, effort, and money in creating your financial health, the advertising agencies seem to be forgetting about your actual health.

Where is the voice of the health and fitness industry?

It’s okayyy…we will do it!

All that time, money and effort spent on building your wealth. But what about the body that you are living in, day in, day out? The body that is with you from the day you are born and will be with you till the day you die.

Doesn’t that body require some sort of time, effort, and money too if you want to create a stable body/health and life?

If you said yes to this, then read on.

Because we are about to introduce you to…

“Movement Insurance”

(and we want to officially coin this term with this article. Yes, we have done our research and it doesn’t exist yet)

The compounding interest of your health and fitness

A basic economic principle, interest rates, is one you are most likely familiar with. Money in your bank account would roughly get a 2% interest rate on it. This means that leaving a thousand ringgit in a savings account will be credited with a 20 ringgit interest rate after a year.

Great, isn’t it? Getting a reward for not doing anything —  just by letting your cash sit.

Next year, when you let the 20 ringgit sit again in the bank account, the institution rewards your 1,020 ringgit with another 2% interest rate. As a result, RM40.40 ringgits are added to your account, which then shows RM1,060.40 on the atm screen.

And the process repeats unless the person withdraws the money, amazing.

Better strategy than squid games

But you can’t do much with that RM60 which means 1000 ringgit is not really enough to give you great returns.

As Gary V. said, it is not enough, you need to create capital first through labour to have enough to invest.

A boatload of hard work still needs to be done.

Now let’s replace the cash with exercise sessions or healthy meals.

And replace capital with your physical health (healthy heart and strong muscles/joints)

We have good news and bad news for you.

Good news: The interest rates of health and fitness are much more rewarding than money (thankfully).

If you are just starting out as an exerciser, you can already reap the benefits of your exercise routines and diet in just a few weeks.

weekly returns > yearly returns

Bad news: There is a downside to quick returns of healthy habits, if you just let it sit .. (geddit?), it goes back to square one. That’s why you have got to consistently do it. (think flappy bird)

Tap, tap, tap, tap, tap, tap, tap tap

After consistently doing this for a long period of time, let’s say a year or two, you will now have a healthier “capital” which in our bodies mean stronger muscles and improved heart and lung functions i.e. better stamina.

And after more years of that lifestyle, you are just riding the wave of your “investments” in the past. Compounding interests of exercise include:

  • You regularly work out because it feels weird if you don’t and your healthy meals are just now regular meals.
  • You are free from aches and pain caused by weak muscles and joints
  • You are biologically younger than most of your peers
  • You have a stronger immune system to fight off diseases
  • You still get to enjoy time playing with your children/grandchildren/pet
  • You get to do many of your favourite activities that require physical capabilities
  • You’re still able to go for holidays without worrying about wheelchair access.

And just like that, you have discovered the magic of compounding interest by having good food, good movement, and good sleep.

A wise man once said, (and no it’s not Einstein), that compounding interest is the 8th wonder of the world.

We strongly believe that healthy living and exercise can also be applied to this theory.

FinFit Ad1: Invest early in movement today to ensure the freedom of your future!


The money you will save from exercising

Now we take a more practical look at how exercising can actually save you money. We want to show you how movement is a form of insurance as well.

Think about it, it is not by coincidence or accident that you see giant insurance companies promoting health and fitness to all of their customers.

You can even get cheaper rates if you exercise regularly and have a healthy BMI

The idea is simple, the healthier you are, the less you’ll claim money from them. Now whether they do it because they care about your health or they want to keep your money, that’s for you to decide.

Regardless, it is a good thing for us all as this is helping us in our journey to make the world a better place by movement.

If you would like to see the math in how exercising will literally save you money, take a look at these three studies:

Study 1:

An American Heart Association study (1) did a study of 26,000 Americans found that even moderate exercise saved an average of $2,500 per year (and with rising costs, that number would be even higher today).

Study 2:

Another research (2) from the University of Hawaii, National Institute of Health studied elderly people (average age of 80) who did strength and flexibility training. This group of 96 older adults actually saved 20% a year in health costs! Well, this might not apply to you but maybe you have parents that would need some movement insurance (which doesn’t come with an age limit and certainly doesn’t become more expensive as you get older)

Study 3:

And the last one comes from the US Journal of Labor and Research (3) which found that men who exercise regularly make 6% more in salary than their counterparts—and women who work out regularly earn 10% more! This study isn’t about the money you save but the money you make from exercising, which is amazing as well (if not more)!

If this still isn’t good enough for you, we haven’t mentioned how good health and fitness will spill over to other aspects of your life such as your cognitive abilities, energy levels, and just plain ol’ physical strength.

Which will in turn make you more efficient at work, help you learn faster, invoke your creativity, sharpen your skillsets like communication, and thinking strategically.

Talk about a good ROI.

So, think again if you ever say you don’t have time for exercise, it might actually cost you more.

FinFit Ad2: Increase your income today with movement!

Getting started with your “investment”

Let us draw you two scenarios:

Scenario 1

Investing in the stock market or investing in real estate needs time, patience, expertise, and acquiring the necessary skills to pick the right assets.

And only then it can generate wealth for those who are willing to take it seriously. Those who treat it like a job and invest many, many hours daily will most likely create great amounts of wealth.

And it is no mistake that 90% of the people are losing money by trading or investing in the stock market (4) because they think and assume investing is their ticket to getting rich quickly.

Everyone aspires to be in the top 10 per cent who consistently make money when investing, but few are willing to put in the time and effort to achieve this.

Scenario 2

Obtaining the fitness levels and body of your dreams needs time, patience, expertise, and acquiring the necessary skills to pick the right exercises and foods.

And only then it can generate health for those who are willing to take it seriously. Those who treat it like a job and invest many, many hours daily will most likely achieve great health and fitness.

It is no mistake we have seen people fail countless times in the fitness industry because 90% of people think and assume that buying the latest chocolate shake or taking that secret pill will help them lose weight quickly.

Everyone aspires to have a healthy, lean, and good-looking body but few are willing to put in the time and effort to achieve this.

Okay, I think you can see where we’re going with this.

So now the question is, where do you start?

Let’s take a look at great investors of our time like Warren Buffet, who highly credits Benjamin Graham as his reason for success (5) and real estate mogul Donald Bren who believes that the greatest investment he can make is in education. (6)

Benjamin Graham was the mentor of Warren Buffet who showed him the ropes of the trade and paved way for his success in life. Without the advice and guidance of Graham, he would not be the man he is today that we see on Forbes magazine covers.

Donald Bren on the other hand doesn’t really talk about his mentors except for the lessons he learned from his father. But Bren strongly believes that education is the best gift an individual can give to a young person. His future priorities and focus is still and will be education.

Based on this, we can learn from the best of the best by replicating 2 things that they did which you can do if you truly want to be successful in getting the best movement insurance:

  1. Look for a credible teacher or mentor to guide you
  2. Get yourself educated about health and fitness as early as possible

Of course, in the world of health and fitness, you can look for fitness professionals you trust and if you need a guide on how to look for a great personal trainer, we are here to help you.

If you want to take the path of learning and doing it by yourself, it shouldn’t be a problem in today’s world of the internet and social media. Instead of following accounts of influencers and their cats, follow a few health and fitness accounts today and see how your mindset changes in the next couple of weeks.

Shameless plug for an IG follow pt2

The rules of success for health and fitness is not very different from the rules of success for investing.

It’s never going to be a smooth journey but if you can look far and close enough, you might actually learn how to enjoy the journey and achieve the success you have been looking for.

Over here at KD Trainer, we believe in #Movement Over Medicine. So, if you resonate with these three words, share this simple read with your friends and family so they too can be prepared for their future health and wealth by “purchasing” Movement Insurance.

Share This Story, So Your Friends Will Be Movement Insured!


  1. Preidt, R. (2016, September 8). What’s regular exercise worth? Maybe $2500 per year. Medicine Net.
  2. Sugihara, Naomi, et al. “Cost-Benefit Estimates of an Elderly Exercise Program on Kaua ‘i.” Hawaii medical journal 70.6 (2011): 116.
  3. Kosteas, V. D. (2012). The effect of exercise on earnings: Evidence from the NLSY. Journal of Labor Research33(2), 225-250.
  4. Gillham, D. (2019, November 25). Shocking But True: 90% People Lose Money In Stocks – Research & Ranking. Https://Www.Researchandranking.Com/. Retrieved November 21, 2021, from
  5. CNBC, & Elkins, K. (2017, September 29). Warren Buffett credits his success to these 3 people. CNBC. Retrieved November 21, 2021, from
  6. Loudenback, T. (2017, October 10). Donald Trump is not America’s richest real estate tycoon — it’s another Donald who’s worth almost $17 billion. Business Insider. Retrieved November 21, 2021, from