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KitA x terlibat dgn aktiviti dorg, ke kita terlibat dgn berurusan dgn bursa nih yer?
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Post time 21-2-2022 02:24 PM
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Edited by green~tea at 3-1-2025 06:53 PM
I am currently "retired"... unpaid leave setahun, nak test water before i fully retire next year...
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Post time 21-2-2022 02:26 PM
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axl_bach replied at 21-2-2022 02:23 PM
KitA x terlibat dgn aktiviti dorg, ke kita terlibat dgn berurusan dgn bursa nih yer?
I tanak terlibat dan tanak tahu aktiviti market speculation tu.. mcm insider info lah kan... so i avoid bursa trading..
i do have companies yang buat legit business supplying products... |
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Ooooo, sbb u knal geng2 market makers lah nih......baguslah dah ada 1st hand infos pun xnak amik kesempatan....
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Post time 21-2-2022 02:31 PM
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axl_bach replied at 21-2-2022 02:28 PM
Ooooo, sbb u knal geng2 market makers lah nih......baguslah dah ada 1st hand infos pun xnak amik k ...
Ada jugak depa yang terciduk sbb kena scam sesama geng yang cooking the market.. hahahahhah like seriusly shit terciduk level rm100 mil... |
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Giler lah level terciduk 100mil...
Kita nih baru start nk buat 20-30% monthly jer....bleh dpt gandakan capital setiap 3-4 bulan dah kira ok dah...so far nmpk promising lah dgn bursa nih
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Post time 21-2-2022 02:34 PM
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axl_bach replied at 21-2-2022 02:33 PM
Giler lah level terciduk 100mil...
Kita nih baru start nk buat 20-30% monthly jer....bleh dpt gan ...
Yer.. level PN17 mmg tak dpt cut loss la kan... |
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Post time 21-2-2022 02:36 PM
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axl_bach replied at 21-2-2022 02:33 PM
Giler lah level terciduk 100mil...
Kita nih baru start nk buat 20-30% monthly jer....bleh dpt gan ...
For now SC mmg nampak mcm menjalankan tugas and those market speculators hanya focusing on legit businesses je... since early last year kot SC ni on watchdog |
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Post time 21-2-2022 02:39 PM
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axl_bach replied at 21-2-2022 02:33 PM
Giler lah level terciduk 100mil...
Kita nih baru start nk buat 20-30% monthly jer....bleh dpt gan ...
Menarik nya dpt make money thru bursa trading... insyaAllah lepas my businesses stabilize and dah boleh automate i boleh la focus study mende lain...
Skang ni i banyak nak kena buat paperwork utk business plan, nak closing financial report ni.... pastu ada few program i kena jadi committee/guidance utk support usahawan... |
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Berapalah kapital dorg kalau level terciduk 100mil tu.....perghhhhh
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Rasanya market speculators nih mmg sentiasa ada kan.... ke ada beza market speculators dgn market makers?
bagi bilis2 traders level mcm aku nih x perlu tau sgt pun semua tu just yg aku tau dorg adalah smart money....hahahahah
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Entahlah lain org lain pengalaman lah kot...ada yg terciduk dgn bursa....aku pun baru mula2 berjinak, harap dpt ikut my trading plan lah, x jadi too greedy.....
for now dah beli 5 kaunter,
satu dah cutloss bila harga jatuh 8%...xnak pegang lama
2 kaunter dah berkembang >25%
1 lagi baru start buat kenaikan dlm 5%
the last one baru masuk pagi ni, now adalah untung dlm 2.45%
pegang baru dlm 2 minggu, cadang nak main mid term jer kot pegang max sebulan dua ikut pergerakan carta then jual
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Post time 21-2-2022 03:50 PM
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Edited by green~tea at 3-1-2025 06:53 PM
axl_bach replied at 21-2-2022 02:47 PM
Rasanya market speculators nih mmg sentiasa ada kan.... ke ada beza market speculators dgn market ...
I pernah make money based on capital gain bluechips... contoh kan.. sbb some market share ni being evaluated based on
1. Physical assets termasuk yang bakal startup (FID - final investment decision) payah nak speculate sbb real assets..
2. Transactions - commercial deals yg announced
3. Digital/venture capitals - yang ni boleh speku
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saham mmg ada syndication activities, tapi futures tak bole manipulate market dan advantage dia two-way.
saya dah lama tinggal saham. saham ni kalau utk investing mid-long term okay sahaja.
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Tea, i-Invest via EPF tu akan effect tak kita punya total sum of contribution???
Resort you kt mana?? Nk pegi 
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Post time 15-3-2022 12:21 AM
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solarlunar replied at 14-3-2022 10:34 PM
Tea, i-Invest via EPF tu akan effect tak kita punya total sum of contribution???
Resort you kt ma ...
Yes dia akan update dekat total sum nanti.. biasa lepas 2 minggu dia akan update dalam EPF apps u tu...
Resort i kat terengganu... PM tepi sis...  |
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Post time 20-8-2022 03:41 PM
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Found great tips for retirement planning and financial management
Pasni tepek.. kredit from FB |
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Post time 20-8-2022 03:42 PM
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Tip pengurusan kewangan dari Sifu.
Kadangkala dalam Tik-Tok ada short video menemu-ramah jutawan di US meminta nasihat dan tips mengenai kewangan.
Jarang kita dapat tips demikian dari jutawan di Malaysia.
Baru-baru ini saya melayari satu page FB lokal mengenai kewangan dan admin telah bertanya satu soalan kepada para sifu kewangan tempatan yang rata-rata berumur 40 ke atas:
“Apakah nasihat kewangan terbaik untuk diberikan kepada mereka yang baru bekerja dan ingin berjaya sebelum umur 40?
Saya senaraikan beberapa nasihat terbaik dari sifu-sifu kewangan tersebut dan sedikit komen rengkas dari saya.
1. The first 10 years of your career don't chase money. Chase knowledge and connection.
Pada 10 tahun pertama jangan fokus cari duit tetapi kejar ilmu kewangan dan networking.
Siapkan diri dengan berbagai ilmu kewangan dan belajar dari mentor.
Sebaik mungkin cari ‘connections, networking and cables’.
2. Buy car only if need be. Buy landed house in KL and sell back when retire to hometown.
Banyak nasihat sifu agar jangan membeli kereta terlalu awal dan beli ‘landed property’ di KL tetapi bersara di kampong. Ini nasihat seorang sifu yang sudah bersara.
3. Save as much as possible. Dont spend on car. You can do this when u are financially stable. Don't own any credit card.
Jimat cermat berbelanja semasa awal pekerjaan dan hanya beli kereta apabila sudah kukuh kewangan. Seboleh-bolehnya jangan guna kad kredit.
4. Work smart and invest. Be debt free.
Berhutang jika sangat perlu sahaja.
5. Find a wife that cooks.
Jika isteri pandai masak, banyak penjimatan jika makan di rumah. Lagipun ianya menyihatkan.
6. You need to think how to earn more money. Hard work is the key, there is no shortcut. Work until the day when you don’t care about the price of the food in the restaurant, air tickets and hotel fees. Good luck!
Kerja keras untuk berjaya sehingga anda tak perlu memikirkan mengenai harga barangan lagi.
7. 30% of your pay for need (house and car), 30% of your pay for wants and 30% of your pay for investments and savings, 10% travel.
30% - bayaran hutang besar rumah dan kereta.
30% - belanja sara hidup makanan, buku, utiliti dll.
30% - simpanan dan pelaburan
10% - tabung travel.
8. Dont spend in "stuff". Invest in income producing assets.
Cari pelaburan yang akan membuat pendapatan pasif setiap bulan.
9. I wished they introduced a course on financial & debt introduction and management course in school. Most of us didn't know that as soon as we try to get our 1st job, the capitalism/company will make you go into debt first before you can earn your first paycheck, with the requirement to own a car-so car loan, owning or renting property-so loan/ contract obligations, and then credit cards and the hidden costs, interests, renewal fees that comes with it. All this should be introduced and taught at secondary school level. Its life skills.
Pentingnya pelajaran pengurusan kewangan yang wajib dipelajari dari kecil.
10. Don't choose your career based on your interest. Choose based on what brings you money. Use that money to fund your passion & interest.
11. Avoid toxic people.
Banyak artikel yang saya sudah tulis mengenai manusia toksik yang perlu dihindarkan dari kehidupan anda.
12. Before advising what to do, i will advise what NOT TO DO. Don’t put your head inside Forex, GRR schemes (Guaranteed Rental Return), Crypto etc etc.
13. Don’t buy your first car on loan if you don’t need it. Use credit card with discipline to build credit history. Buy your first property first.
14. Commit into a car loan at the early stage of your career is one of the most unwise decisions you can make that is going to impact your life way bigger than you can imagine. You could’ve invest 1k a month for the next 9 years the money you will have is going to qualify you to a much bigger opportunity.
Pinjaman kenderaan selama 9 tahun akan memiskinkan anda.
15. Spend below your means.
Berbelanja ikut kemampuan.
16. Don't buy depreciating assets (new car).
17. Investment diversification. |
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Post time 20-8-2022 03:42 PM
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Pelbagaikan pelaburan.
18. Give back (parents, zakat/charity, community, etc).
Sedeqah.
19. Don't fall for get rich quick schemes.
Jangan terjerat dengan skim cepat kaya.
20. Live within your means, buy what you need, not what you desire.
Hidup mengikut kemampuan anda dan beli barangan mengikut keperluan bukan ikut nafsu.
21. Force saving at least rm100 per month. Be it in unit trust, asb or TH. Ignore the deduction when you daily checking your bank account. In your 30s, you will have 12-13k++.
Kesimpulan.
Rata-rata sifu kewangan yang telah mempunyai banyak pengalaman sebelum berjaya menasihatkan:
• Jangan beli kereta dengan pinjaman pada awal pekerjaan tetapi tunggu hingga kewangan stabil.
• Guna sistem 30:30:30:10 dalam bajet kewangan bulanan.
• Hutang besar seperti rumah guna rule of 36 agar kehidupan tidak sempit dengan hutang.
• Belajar ilmu kewangan dan dapatkan ‘connections’ semasa zaman muda.
• Forced savings.
• Hindarkan diri dari manusia toksik.
• Berjimat cermat dan cari income pasif.
Wallahua’llam.
Ir.Hj.Zainuddin.Bin.Hj.Omar
FB: Zainuddin Omar
* Safranbolu Turkiye sebuah Unesco World Heritage site kerana terdapat banyak rumah era Uthmaniah. |
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Post time 21-2-2022 02:23 PM
Post time 22-8-2022 03:44 PM
