Simpanan Wang

Cerita bab duit ni....sapa yang tak nak duit....
Tapi kadangkala kita leka macam mana nak jadi orang berduit...

Sebenarnya, kita kena selalu beringat ...

Terkenang kisah saya dulu dan hingga kini.....Saya akan sentiasa memastikan setiap hari saya akan memasukkan sekurang kurangnya RM1 kedalam tabung....Inilah yang saya amalkan sejak zaman sekolah menengah dulu dan hingga kini....ALhamdulillah, dengan tabiat menabung macam ni (walau pun RM1), dapat saya mengumpul untuk menampung macam macam....Berkat dengan menabung tu, pada usia saya 27 tahun, saya mampu memiliki 3 buah rumah (1 apartment, 1 kondo dan 1 semi D) serta sebidang tanah di Melaka dan 3 buah kenderaan. Walaupun ada dugaannya dan cabaran...tetapi jika kita sentiasa beringat....segalanya boleh dicapai.....

Bukan saya nak riak atau takbur dengan rezeki Allah swt ini, tetapi sekadar ingin mengingatkan....jika kita tahu menghargai wang, Insya-allah keberkatannya akan diperolehi dimasa masa yang akan datang.....Beringatlah...

sany48

Originally posted by ahmad_albab at 22-3-2005 03:45 PM


7% Su boleh dpt dr ASB..... kalau nak ikutkan turutan,

Bank - 2%
Fixed deposit - 4%
UT termasuklah ASB - 7-8%
property
stock, forex etc

of course yg kat bawah list tu risk dia lebih t ...

Hi,

I like to point out a few things here..

Bank Saving acc, max 3% per year

Bank Fixed Deposit, Min 3% peryear for 12 months, for more than 12 months, 3-4% per year

Saham BANK RAKYAT 15% per year for the last 7 years - Fund is already fully subscribed.. To wait for a new one..

Unit trust/Back up by government No risk, Moderate return
- ASB (2004) 9.25% (7% dividen + 2.25% unit split), Average about 9%

Unit trust / Done by private esp SBB Mutual Fund, Public Mutual Fund, TA, Hwang DBS, etc ..there is a risk available..HIGH RISK HIGH RETURN concept,

-For SBB itself, we have more than 25 diffrent funds, So,
   2004, For conventional funds range from 10-30%, Average 8-12%
             For Islamic funds range from 10-20%, Average 8-12%

Stock & FOREX exchange.. depend... there is no exact figure..as far as I am concern...

For this case,

I would like tt recommend you to invest in unit trust. It is because you will be be getting more profit in the long run. Even if you have some investment in ASB, you can diversify some portions of your invesment into unit trust too. Then you make comparison..as simple as that..

There are a few ways to invest in SBB unit trust in particular
   1. Lump sump money (Individual/Corporate)
   2. Autodebit/SI - As low as RM50.00 permonth with 1st investment RM500.00 - Not compulsory if do not use SI
   3. Loan (Not advisable)
   4. EPF scheme (Acc 1 must be a minimum of RM55,000.00)
                55,000.00
           -    50,000.00 (To be retained in EPF at any time)
            ------------------
                5,000.00

            Only 20% of balance can be invested at every 3 months
  
           So, RM5,000.00 x 0.2 = RM1000.00 only (100,000/1,000 = 1% from you EPF only)

           If you you have 80,000 in EPF/Acc 1, (80,000-50,000)x0.2=RM6000.00 to be invested

  5. Diversify you investment from ASB/TABUNG HAJI/FD/Sav Acc etc.


If you like to know more, feel free to contact me at 013 322 9160/78443822..WAIT NO MORE.....


Sany

banyak yg aku belajar dr thread ni.  tahniah & thanks kpd semua.

flowerjun

Originally posted by tengku.indra at 11-9-2005 12:53 AM
Cerita bab duit ni....sapa yang tak nak duit....
Tapi kadangkala kita leka macam mana nak jadi orang berduit...

Sebenarnya, kita kena selalu beringat ...

Terkenang kisah saya dulu dan hingga ...

you invest duit tu kat mana?

sany48

[b]hasaru wrote:

sungguh bagus forum ni....kalau la aku tahu sejak dulu...alangkah bahagianya aku sekarang..
Yeap.. kita sama2 mendapat faedah...

aku start kerja tahun 1995.masa start keje dulu, gaji dekat 2000. .. skrg dah 10 tahun kerja, harta yg aku ada skrg :

seorang isteri.
3 anak.
1 kereta (nama isteri)
saving bank + tabung haji+ ASB : lebih kurang 5000.00
insurans : bayar 21000 utk 11 tahun, cover 120000 selagi tak ambil keluar duit tu...

I start masa 1995 gak.. masa tu gaji I baru je 1700... now dah 10 tahun keje... sekarang

seorang isteri
3 anak
2 keta
saving + tabung haji  + ASB + Unit trust   = RM16000 + RM200 + 0  
insuran = 0 (Fed up.. dah masuk 4 tahun ledih dulu.. stop..) kena ambik lagi nih..

dulu aku memang hairan, pergi mana duit yg dapat selama 10 tahun tu...
member perkenalkan buku azizi ali tahun lepas. lepas tu baru aku tahu pasal personal finance....

hopefully tak terlambat ....

Nak tanya jugak....ada sesapa still beli ASN tak ?

As for me, there is no such you are late or anything.... as long as you start now.. there are chances ahead...

Do you have any plan to diversify your investment in unit trust besides your existing one, ASN/ASB/Tabung Haji/etc? You can use EPF scheme.. Your Acc 1 exceeds RM55K already.. No need to take out any single cent of your pocket money.. everything will be done by me... or someone else too

You can also invest as low as RM50.00 permonth.. consider as a saving too.. cuma 1st investment je start dgn RM500.00

If you need to know more... please feel free to contact me.. at 013 3229160/78443822



Sany

lonely_surina

Originally posted by bumbun at 12-9-2005 10:59 AM
banyak yg aku belajar dr thread ni.  tahniah & thanks kpd semua.

selalu2 laa join sini...

Hi everybody im new here

fuh..at last sampai gak sy kat page ni.
penat membaca n berfikir kat thread ni dr minggu lepas. thanks to all 'sifu' yg byk share info pasal simpanan wang ni.
ok as an intro..sy nak share my background n financial planning. kalau ada sape nak comment n bagi ape2 nasihat..please do so.

personal bground
22 tahun
gaji lepas tolak epf socso n company's medical plan rm1765
tinggal with parents
in a relationship with somebody (planning to get married in 2 years time)
do not have any loan yet
baru 3 bulan bekerja (baru 2 kali dpt gaji)
simpanan setakat ni ASB = rm 500

Monthly financial planning (gaji dpt dlm tgn rm1765)
I am planning to save min 500- max1000 per month kat ASB kalau larat. tp setakat ni bulan 1st tak dpt save sbb pakai duit utk convo and bulan 2nd dapat simpan 500 je (tu yg ade dlm asb tu)
LRT+bus = rm90 + rm20 = rm110
Makan at office = rm20/week = rm80~rm100
Duit api air phone rumah n hp = ~rm400 (rm100 each)
Duit mak ayah = rm0 (sbb dah bayar the utils bills) <--bole ke eh?

baki dlm rm155 kalau amik max number of all perbelanjaan (1000+110+100+400 = 1610  |   1765-1610= 155)

rm 155 tu la sy nak beli ape2 makanan kalau terasa nak beli or kalau nak keluar jln2.
n sy dah apply credit card but insya allah i'll just use it for paying the utils bills (to get the point out of it).
planning to buat potongan gaji terus utk ASB tu.. tp rasa mcm rm1000 tu byk sgt utk sy. plus kekadang i need to use the money kalau nak beli baju kasut barang pc or kalau ade birthday org2 yg rapat dgn sy. nak gak merasa duit gaji kita kan..sbb time study dulu dah puas bajet perbelanjaan. so skarang ni nak enjoy sikit la.

saya simpan duit ni utk perbelanjaan kawin n downpayment rumah. sbb mmg planning nak beli rumah cepat2. jadi mcm mana sekarang ni...saya nak bahagikan simpanan tu utk 1-duit kawin 2- rumah 3- simpanan tetap.
tak tau nak planning mcm mana and nak simpan kat mana duit ni. patut asingkan simpanan or sekalikan je dlm asb. pening pening~

sany48

Originally posted by pearl_eye at 13-9-2005 12:39 PM
fuh..at last sampai gak sy kat page ni.
penat membaca n berfikir kat thread ni dr minggu lepas. thanks to all 'sifu' yg byk share info pasal simpanan wang ni.
ok as an intro..sy nak share my back ...

Hi..

You have managed to save like RM500.00 wow.that is very good of you..... Lke Chinese proverb. "The moeny will take careof you once you take of the money". It is not easy to save that much..even myself.. so many commitment...

Would you like to diversify to more than one saving arm so that you can get much more return from it? You can just do that by aking as low as RM50.00 a month from existing investment vehicle.. Then you wil be able to compare. which one give you more return.. fair enough?





Sany

hasaru

masuk site ni..baru sedar tahap kewangan kita. ramai yang baru je kerja, tapi rumah dah ada, saving banyak kat sini.

bila kat "luar", tak ramai dari kawan2 dan saudara mara saya yang ada simpanan/ aset macam orang2 kat "sini".

ini membuatkan saya bertambah azam/ tekad utk menyimpan maxima mungkin.
maklumla....usia pun dah dekat 40 dah..baru nak kumpul harta.

sany48

Originally posted by hasaru at 14-9-2005 03:01 PM
masuk site ni..baru sedar tahap kewangan kita. ramai yang baru je kerja, tapi rumah dah ada, saving banyak kat sini.

bila kat "luar", tak ramai dari kawan2 dan saudara mara saya yang  ...

Hi!

Almost all  successful people advice, "If you want to be successful in life, there are three (3) proven ways to follow which are:
  1. How much motivational/good books do you read?
  2. How many good seminars, exhibiition, training you attend?
  3. What type of people you mingle with.good.. or bad...?

I guess all these people in this threads are all good... there have all the criteria to follow..I am learning from these people too.. BRAVO you all!

There are lotsa of ways to save money.

Would you like to know how to double up your investment in a long run?



Sany

shahgti

Originally posted by hasaru at 14-9-2005 03:01 PM
masuk site ni..baru sedar tahap kewangan kita. ramai yang baru je kerja, tapi rumah dah ada, saving banyak kat sini.

bila kat "luar", tak ramai dari kawan2 dan saudara mara saya yang  ...

sebab tu tak ramai yg minat nak masuk forum Stock & Economy nih....ppl yg ada kesedaran yg rajin jenguk2 thread kat sini.

hasaru

tak ramai yang masuk, becoz tak ramai yg sedar..
keinginan banyak..upgrade handphone, uprade komputer, upgrade kereta la.....pendek kata bermacam2 upgrading  boleh menghalang kita dari saving.....

sebab tu saya tekad utk mengajar anak2 saya supaya menjadi financially wise...from young age..

shahgti

dua buku yg aku baca tiap kali 'terlalai' or 'terhanyut' dari matlamat merdeka kewangan ialah first book from azizi ali (millionaire fr different planet) & first book fr Robert T. Kiyosaki (rich dad poor dad). buku2 susulan oleh penulis yg sama  tu baca gak tapi yg the best still their first book. baca dua buah buku ni cukup membuatkan aku sentiasa bersemangat dan 'pandai jaga diri'. kalau dulu hingat tak hingat bikin sound system kereta, perabih ratus2 ringgit tiap bulan beli VCD/DVD, hobi tukar2 keta, tapi sekarang ni berjaya jugak utk berubah....lepas baca buku2 tu, demi nak increase saving/investment sanggup downgrade from pakai keta import yg installment bulanan hampir cecah seribu ringgit kpd local car walaupun keselesaan memandu agak kureng. sanggup beli motor utk nak gerak dekat2 spt pegi kedai, bank. so jimat minyak, jimat duit parking. tremendous  improvement. rasa syok jer bila tengok investment & saving naik every month. tapi bukan pulak perlu jadi kemut sangat. aku still boleh buat benda yg aku suka spt pegi backpack merata dunia etc tapi berpada2 lah. so tiap kali aku rasa terlupa or hilang semangat, aku akan selak2 balik buku azizi & robert T. Kiyosaki.

LimpBizkutMerri

Originally posted by shahgti at 14-9-2005 06:34 PM


sebab tu tak ramai yg minat nak masuk forum Stock & Economy nih....ppl yg ada kesedaran yg rajin jenguk2 thread kat sini.

walaupunnn aku tak pernah post dlm stock n economy niii.. setiap ari aku masuk.. bace post kat sini.. lelebih lagii pasal financial freedom.. although im still a student .. hidup mesti berpikiran jauhh:cak:

sany48

Hi!

Kepada saper yang berminat nak tahu lebih pasal investment unit trust.. particularly SBB Mutual Berhad, you may also log on to www.sbbmutual2u.com .





Happy investing..

Sany

lonely_surina

Originally posted by whoever at 12-9-2005 10:53 PM
Hi everybody im new here

welkem to da club

lonely_surina

Originally posted by pearl_eye at 13-9-2005 12:39 PM
fuh..at last sampai gak sy kat page ni.
penat membaca n berfikir kat thread ni dr minggu lepas. thanks to all 'sifu' yg byk share info pasal simpanan wang ni.
ok as an intro..sy nak share my back ...

hehehehhee... saving best..

lonely_surina

Originally posted by sany48 at 15-9-2005 10:23 AM
Hi!

Kepada saper yang berminat nak tahu lebih pasal investment unit trust.. particularly SBB Mutual Berhad, you may also log on to www.sbbmutual2u.com .





Happy investing..
...

dah gi site tu tp tak paham :stp: