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Post time 22-8-2022 03:52 PM
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card_reader replied at 22-8-2022 03:44 PM
sekarang nie tumpu tabong haji je dolu, sebab estimate nak buat haji 2025....so simpan situ dolu
as ...
Muda lagi.. sempat je lagi tu aim for retirement yang selesa.... yang penting ada target, ada kesedaran... |
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tak muda dah la.....saing2 pon dah naik beruban dah
cuma buat yg mana mampu je utk plan pencen tu.... |
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i x ada specific retirement plan. my commitment hanya loan rumah sebiji. kereta semua habis byr..ada saving asb, th, epf and gold bar..both my parents pun dah x ada utk ditanggung, and i x ada anak jgk. so i x rasa nak menyimpan byk2 utk dihari tua..maybe just allocate some utk ddk rumah org tua jer kot  |
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owh i ada tanah pusaka bbrp lot. tp rasa mcm nak wakafkan jer. belum contact pejabat agama lg tanya mcm mana procedure. |
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I pun dah masuk 40an and I baru sedar I only ada single investment iaitu ASB tapi with cost living sekarang ni rasa takut nak boleh survive.
I jenis takut nak take a risk invest selain ASB sebab gaji I pun kecik saja.
Cuma alhamdulilah I tak ada hutang apa.
Lately ni macam nak beli rumah for investment bila tua nanti. Cuma dah tua2 ni takut bank tak approve saja.
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asb tu ok ke...i ada join kat fb pasal ASB ni...tgk pro and cons... skrg ni cuma ada TH and monthly saving je...skrg ni baru try2 nak join gold itu pun was2 jgk
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Author |
Post time 1-2-2023 05:50 PM
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kimoree replied at 1-2-2023 03:38 PM
I pun dah masuk 40an and I baru sedar I only ada single investment iaitu ASB tapi with cost living ...
Tak payah la investment lain2 tu.. i dah tried and very risky... peluang utk kehilangan sebahagian duit pokok tu ada.. tp kalo EPF, AHB, ASB123, TH, insyaAllah selamat semua duit pokok dan kalis inflasi.. tp nak buat duit tu makan masa.. sbb pakai compounding kan.. 5 tahun ke atas baru nampak hasil |
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Author |
Post time 1-2-2023 05:52 PM
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elecom replied at 13-12-2022 09:49 PM
owh i ada tanah pusaka bbrp lot. tp rasa mcm nak wakafkan jer. belum contact pejabat agama lg tanya ...
Baru baca posting u ni.. sbb tak masuk notification...
I sendiri takde pengalaman wakafkan tanah... yeah best utk contact pejabat tanah direct je.. sbb depa ni pengurus pusaka kecil & majistret |
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Author |
Post time 1-2-2023 05:53 PM
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Edited by green~tea at 1-2-2023 05:54 PM
elecom replied at 13-12-2022 08:30 PM
i x ada specific retirement plan. my commitment hanya loan rumah sebiji. kereta semua habis byr..ada ...
Ada survey ke rumah2 org tua.. arwah pakcik i ada duduk rumah org tua ni... standby dalam 3-4k per month la.. paling murah i tengok 2.6k.... ni yg swasta lah.. i tatau plak jenis lain.. pakcik i tu dia tak kawen.. tp masa muda2 dia mmg rajin kerja & menyimpan... pastu dia masuk rumah retirement ni... sampai meninggal lah dia duk situ.. kebetulan masa covid tu dia jangkit dgn nurses penjaga situ.. ramai geng2 yg duduk retirement home tu meninggal sama dgn dia.. |
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Author |
Post time 1-2-2023 05:55 PM
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faradani36 replied at 1-2-2023 05:37 PM
asb tu ok ke...i ada join kat fb pasal ASB ni...tgk pro and cons... skrg ni cuma ada TH and monthl ...
Isue syubhah pasal asb ni issue lama.. circa 2003 -2006 camtu.. tp mufti dah keluarkan fatwa... selangor, jakim, mufti penang, perak.. masing2 ada keluarkan fatwa kat website memasing boleh check... harus hukumnya |
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ASB ni bila lah nak naik semula dividen rate nya..sedeh |
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Thanks for your advise.
Suka tengok your investment. You very smart and well planned jugak.
Alhamdullilah maybe you have good income plus stabil husband.
Yg penting you ada kesedaran.
I akan stick dengan ASB saja setakat ni.walaupun dividen tak banyak.
Cuma lepas baca your posting. I baru perasan I ada saham Bank Rakyat jugak.
Semua yg low risk investment saja I buat. Im not risk taker dan jugak gaji I ciput
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Sebab I ni bukan risk taker punya type.
I ada ASB and saham bank rakyat saja.
Main reason gaji I kecik saja so takut nak invest tak tentu hala.
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Author |
Post time 2-2-2023 06:38 PM
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kimoree replied at 2-2-2023 01:29 PM
Thanks for your advise.
Suka tengok your investment. You very smart and well planned jugak.
Alhamd ...
Oh ya.. saham bank rakyat pun i ada tp tak byk lah... i dpt masuk rm52k aje... sbb ada collab biz dgn mara |
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Author |
Post time 2-2-2023 06:47 PM
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Edited by green~tea at 2-2-2023 06:48 PM
kimoree replied at 2-2-2023 01:29 PM
Thanks for your advise.
Suka tengok your investment. You very smart and well planned jugak.
Alhamd ...
I pun no longer risk taker.. pernah manage sendiri UT.. murung laa kejap dalam 3-4 bulan sbb i kena UNREALIZED loss 76k... pastu i sabor je tak usik tak gerak UT tu for another 3-4 months sambil2 murung.. . lama OK i feeling down tu..
tetiba UT tu mcm recover, jadi UNREALIZED profit 85k... terus i redeem cepat2 sebelum bertukar... i was just lucky back then sbb market correction RM160k... dpt untung pun i takmo tamak, terus redeem kesemua tu sblm market bergerak lain...
mmg tobat nasuha dah i sakit dada manage UT sendiri |
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I can say you ni very smart person. You know how to play with the money.
Rugi tu biasa la. Nama pun investment and advantage you pun ada duit.
Tapi persiapan for retirement ni yg penting kita berani nak ubah life style.
Life style tu yg boleh buat kita sustain or jadi papa kedana.
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Author |
Post time 2-2-2023 08:55 PM
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kimoree replied at 2-2-2023 08:24 PM
I can say you ni very smart person. You know how to play with the money.
Rugi tu biasa la. Nama pu ...
Part ubah lifestyle tu im still struggling.. tp banyak dah berubah alhamdulillah... i sebenornya ada target nak menten certain expenses per month.. lepas berjaya 6 bulan straight baru rasa confident..
I ni ada target lagi 14-17 bulan utk dpt reduce my forced saving & target amount.. lepas tu buleh retire ulang alik KL-Ganu je life.. |
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Retirement is a great opportunity to pursue the things I love without the stress of work. I can travel, spend time with family, and focus on my hobbies.
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I'm starting to think about retirement and it's a bit daunting. I'm not sure if I have enough saved up and I'm worried about maintaining my standard of living.
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Post time 15-2-2023 10:12 PM
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mieyrasfea replied at 15-2-2023 09:47 PM
I'm starting to think about retirement and it's a bit daunting. I'm not sure if I have enough saved ...
Start early.. insyaAllah everything gonna be smooth sailing 
When you've reached financial freedom and good retirement plan.. going to work is easy breezy |
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Post time 22-8-2022 04:08 PM
Post time 13-12-2022 08:30 PM
