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is a good start.... i ada training materials from EPF.. tp i tatau macamana nak share.. 34 pages
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most welcome.. u bleh view link kwsp yang i share tu.. i also have more detailed version.. tp tatau cemane nak share through this forum
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Bermula dgn simpanan ckit boleh ke utk unit trust? Nk handle sndri ni. Kwsp i dh tolak ke ptptn haritu. So ada saving ckit ingat nk invets |
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sis.. pm me your email add.... i nak forward bahan bacaan managing your money...
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TQ2 today pun terus jumpa public mutual agent nak kena aggresively simpan duit untuk hari tua..
nak masuk cash savings pulak duduk kat tabung haji tak byk pun dividen
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Author |
Post time 18-8-2020 02:34 PM
From the mobile phone
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yogamat replied at 18-8-2020 02:29 PM
TQ2 today pun terus jumpa public mutual agent nak kena aggresively simpan duit untuk hari tua..
...
Dekat tabung haji boleh maintain minimum 25k.. sbb senang nak buat rayuan hj private package |
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Author |
Post time 18-8-2020 02:37 PM
From the mobile phone
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yogamat replied at 18-8-2020 02:29 PM
TQ2 today pun terus jumpa public mutual agent nak kena aggresively simpan duit untuk hari tua..
...
public mutual agent u tu rajin ke update you? Make sure u bgtau dia target u apa.. u nak target dpt dividen or nilai units turun naik?
Actually if you have public mutual online, u boleh urus sendiri tanpa perlu agent pun.. |
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agent tu janji nak rajin2 update sebab dia full time. Before this agent i org yg sama office dia buat part time kenangan la eastspring la. Last month katanya locked untung masukkan balik dalam epf. Bila kira2 semula setahun dalam 3++% je.. haih baik la remain je dalam epf tu
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green~tea replied at 16-7-2020 10:51 AM
back in 2013, when i'm starting to have stable fund, i invested my savings, bonuses utk bina resort ...
based on pengalaman u, mcm mana hebat plan kita, plan Allah lebih hebat. sorry kalau u bukan muslim. sbb i ada jugak bisnes rekated to events, pump money betul2 sblm pkp, skali pkp pulak dah. luckily i x resign, rezeki company masih bertahan walaupon dlm industri yg sgt terkesan dan kebetulan bisnes lain jalan.
now wedding related gerak, bisnes pulak slow. so i just go with the flow. mcm u ckp its like a reset button. duit kwsp n mora, i jdkan modal & emergency saving. selama ni boros x ada saving now syukur ada jugak 1-2k.
apa yg i belajar, u xnk suffer masa retirement, make sure u plan ank betul2. kalau u dah retire, ank masih kecik & sekolah, u have to work smpai mati. jgn merungut penat because its ur desicion. |
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green~tea replied at 16-7-2020 10:51 AM
back in 2013, when i'm starting to have stable fund, i invested my savings, bonuses utk bina resort ...
lg 1 i lupa nk tambah. biasanya sifus marketing xbg buat bisnes byk2. kena fokus 1 type je but after economy break down during pkp buat i sedar, kena ada backup bisnes in case covid strike again |
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green~tea replied at 16-7-2020 06:50 PM
Ok now nak sharing basics of financial management... sorry ya uols if what i write here sounds so la ...
asb loan i ada sejak zmn belajar tp xkuat iman selalu keluarkan dividen  next year ingat nk buat again asb loan. at least another 30y ada duit asb tu kalau umur panjang. i xhabis lg on cash saving. sbb selalu boros. now i terpaksa lompat for gold savinh. ada duit beli emas. kalau x, merepek2 i beli. masih xdpt kawal perbelanjaan terhadap makanan |
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NurAlia14 replied at 17-7-2020 12:03 AM
My plan for retirement is duit sewa rumah, duit epf, duit pencen, divident asb th etc..hopefully cuk ...
sbb org2 mcm ni xnk invest utk ilmu. ada phone pon main fb. bkn gali ilmu. dpt epf besarkan rumah. nk nasihat pon susah sbb nanti dia ckp pulak, selama hidup dah susah. ni je duit yg ada utk besarkan rumah. walhal i dah suggest why not simpan dlu dlm asb bg matang setahun? 100k u can get free money around 5-7k. ank2 pon berderet. xmampu tp masih nak beranak. so agak susah nk educate org2 mcm ni |
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kalo saye , i akan max out asb, sebab fixed price kan, no sales charge lagi. untungnya...
lepas tu, max epf tax relief, jimat personal tax lagi satu, end of the day duit dalam kwsp milik kita jua, kadar pulangan xrendah mana pun berdasarkan pulangan terdahulu....
dalam masa sama,boleh la cuba2 ngan robo advisor eg wahed, stashaway, raiz, dan mcam pelbagai lagi product at pasaran...
jika ada lagi duit extra, cuba la letak sekitar 10% dalam emas, silver...
sekiranya ada mood nak main high risk, ble la peruntukkan 5-10% dalam crypo
paling penting sekali, budget....budget...budget.... tanapa perancangan, percayalah semua tak akan berlaku. cuba guna pakai kaedah budget 50/30/20.... bole dijadikan rujukan |
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what is 50/30/20 rule? 50% spending, 30% commitment (asset investment), 20% savings?
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Author |
Post time 19-8-2020 06:03 PM
From the mobile phone
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anony-mous replied at 19-8-2020 02:01 PM
asb loan i ada sejak zmn belajar tp xkuat iman selalu keluarkan dividen next year ingat nk buat ...
If you borong and ada prob cashflow sbb suka sopping, u kena buat forced saving lah.. asb loan is a good tool for leveraging... forced saving, and maximize money... tp kena disiplin la.. satu sen dividen pun u takleh cuit tau sebenarnya kalo nak buat asb financing ni... |
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Author |
Post time 19-8-2020 06:04 PM
From the mobile phone
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mygreentea replied at 19-8-2020 03:09 PM
kalo saye , i akan max out asb, sebab fixed price kan, no sales charge lagi. untungnya...
lepas t ...
what is epf max tax relief? Yang 6k setahun tu ke?? |
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Author |
Post time 19-8-2020 06:32 PM
From the mobile phone
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anony-mous replied at 19-8-2020 01:50 PM
based on pengalaman u, mcm mana hebat plan kita, plan Allah lebih hebat. sorry kalau u bukan musli ...
Yeah.. kita mampu merancang, tp Allah's plan is greatest... but still we need to plan.. failing to plan means planning to fail....
About kids.. i rasa dah cukup kot 1-2 anak... membesarkan babies renyah OK anak2 ni amanah, and tanggungjawab tu sangat berat... i'm not part of the mindset yang keep thinking that "anak2 itu rezeki"... bagi i, anak2 is amanah... tanggungjawab kita didik sampai dia jadi insan berguna dan berdikari... ramai melayu fikir anak2 itu rezeki, so kalo nak murah rezeki, banyak2 lah beranak.. sorry i dont quite agree with that understanding |
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green~tea replied at 19-8-2020 06:32 PM
Yeah.. kita mampu merancang, tp Allah's plan is greatest... but still we need to plan.. failing to ...
kan uols. xphm la yg ckp lg byk ank lg byk rezeki. yg i phm, ank tu rezeki is dpt ank rezeki. belum dpt, belum ada rezeki. ni sedap2 je ckp xpe beranak lagi dan lagi, sbb setiap ank ada rezeki dia. tp ko makan pon bercatu.
i ni kalau byk duit nk sgt byk sedekah tp hati i susah nk tlg org miskin yg byk ank. i lebih suka sedekah dkt haiwan, dgn abg posmes/grab/fp, mcm mana ye nk jernihkan hati ni? ishhh kdg2 i marah diri sdri sbb ni.
sorry off topic sikit tp ni part off tabung akhirat  |
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Author |
Post time 19-8-2020 06:44 PM
From the mobile phone
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anony-mous replied at 19-8-2020 06:37 PM
kan uols. xphm la yg ckp lg byk ank lg byk rezeki. yg i phm, ank tu rezeki is dpt ank rezeki. belu ...
Eh. U tak off topic tau... its part of financial planning.. under wealth purification... i rasa u should just continue do whatever yang menenangkan hati u... and that sukuk prihatin is one of this.... bantu negara keluar selamat dari recession... help the businesses...
Let me recap....
1. Wealth creation - your employment, your business
2. Wealth protection - protection of your physical asset, protection of your income... insurance,
3. wealth accumulation - unit trust, shares, properties, ASB, FD
4. wealth management - cash flow management, taxation
5. wealth distribution - will , hibah, harta sepencarian
6. wealth purification - derma, zakat |
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green~tea replied at 19-8-2020 06:44 PM
Eh. U tak off topic tau... its part of financial planning.. under wealth purification... i rasa ...
wah i suka uols buat pecahan mcm tu. nnti nak tulis la n listkan apa yg perlu buat. sbb selalu lupa nak bg percent dekat yg last tu. pahala dah la xbyk mana. agknya kalau boleh tgk amount berapa mcm duit, mesti i malu dgn tuhan |
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