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Author: hani85

ASB VS Loan ASB: Mana pilihan anda?

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Post time 3-1-2020 02:56 PM | Show all posts
Thanatus replied at 3-1-2020 02:31 PM
InsyaAllah u pon boleh buat jugak sebenarnya. Just set aside part of your monthly income for sav ...

insha Allah, skang baru nak bulatkan hati istiqamah utk menyimpan..terasa menyesal lak xmenyimpan time study kat u dulu sbab memula buka asb n as1m tu  tahun 2012..kalu time tu tekad nk simpan setiap bulan mau beribu2 ada dlm acc boleh buat deposit beli rumah ke..ni sume gara2 nafsu remaja asal ade duit trus belanja habiskan sume..kesedaran nak saving pun baru dtg tengah tahun lepas ..
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Post time 3-1-2020 04:24 PM From the mobile phone | Show all posts
Thanatus replied at 3-1-2020 10:55 AM
Dana ASB2 dah penuh sebenarnya, Kak. Size dana dia 10 billion jer. kalau ada org keluar duit, baru ...

Mcm ASW la ek... Susah gak tu..
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Post time 3-1-2020 07:53 PM | Show all posts
chicozinn replied at 3-1-2020 11:18 AM
nak tnya AHB cam senyap je skang ni..iklan pun da takde kat tv da skang..ke dana dia da ttup?

Lopak kan duta AHB ni dulu
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Post time 3-1-2020 08:01 PM | Show all posts
Thanatus replied at 3-1-2020 10:36 AM
Sorry tak baca the whole thread. Just nak menjawab soalan TT.

Aku tak buat ASBf. Simpan biasa jer ...

Tahniah sis. U mmg berdisiplin tinggi & komited dlm meyimpan I is kagum.

I cuma wonder kalau kita ada prinsipal cash saving katakan 100k dah cukup haul setahun. Kena bayar zakat 2.5% kan which is 2,500 setahun kan.
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Post time 4-1-2020 03:14 PM From the mobile phone | Show all posts
Edited by Thanatus at 4-1-2020 03:30 PM
iwan007 replied at 3-1-2020 08:01 PM
Tahniah sis. U mmg berdisiplin tinggi & komited dlm meyimpan I is kagum.

I cuma wonde ...


Ikut pengiraan pusat zakat negeri jugak. Kat KL takde pengiraan zakat khusus untuk asb mcm kat selangor, so guna pengiraan zakat wang simpanan. 2.5% ke atas baki terakhir wang simpanan asb (cukup nisab & haul). So, principal & dividend kena zakat.

Kalau kat selangor ada pengiraan specific zakat asb... principal + part of the dividend kena zakat (bukan 100% dividend kena zakat mcm kat kl). Kadar sama 2.5%. Kiranya lagi rendah sikit lah zakat asb kat selangor berbanding KL. Zakat kat negeri lain tak tau camana pengiraan.

Itu utk asb savings lah.. pengiraan zakat utk asb financing tak tau macamana.
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Post time 4-1-2020 05:25 PM From the mobile phone | Show all posts
iwan007 replied at 3-1-2020 07:53 PM
Lopak kan duta AHB ni dulu

Haah. Terus snyap AHB skang. Jgn ckp dana xjalan
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Post time 4-1-2020 07:17 PM From the mobile phone | Show all posts
swimswim replied at 31-12-2019 09:44 PM
I tgh tunggu nak beli tanah lot and buat rumah sendiri. I ada asb and funds from prusavings yg wil ...

Good strategy sis when u decide to sewa je rumah... just duduk rumah ikut keperluan dan keselesaan u je... skang ni susah nak cari rumah yang reasonably priced, and kalo compare rate sewa pun, usually sewa jauh lg murah dari beli..  bg i kalo camni la keadaan dia, let the owner of the house subsidize your home ya... why i say subsidize.. if beli rumah kat bangi or semenyih... monthly installment busuk2  cecah 3-6k sebulan... tp rate sewa baru rm1k (termasuk maintenance fee plak tu?)... so go ahead... sewa... if ever rumah rega jatuh tergolek2... grab the opportunity.... for now, peoperties owners are bleeding tauuu... bleeding

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Post time 4-1-2020 07:38 PM From the mobile phone | Show all posts
green~tea replied at 4-1-2020 07:17 PM
Good strategy sis when u decide to sewa je rumah... just duduk rumah ikut keperluan dan keselesaan ...

Yeee.. I pun fikir mcm u juga which is one of the reasons juga i x beli rumah. I dpt rumah prima in cyberjaya harga at 300k. Saja2 je apply tp bila kira rate monthly kena byr dkt rm1.8k incl maintenance fee.. I menyewa skrg baru rm800 je sorg dpt satu rumah and dkt dgn my work place. i x willing nak commute cyber-kl last2 i let go je. Kena byr penalty rm500 sbb cancel agreement lolz. Also bcos career wise i mcm nak migrate and waiting opportunities overseas so i malas nk stuck dgn assets yg susah liquidate.

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Post time 4-1-2020 09:21 PM From the mobile phone | Show all posts
Edited by green~tea at 4-1-2020 09:32 PM
chicozinn replied at 4-1-2020 05:25 PM
Haah. Terus snyap AHB skang. Jgn ckp dana xjalan


Bukan tak jalan... tp properties tgh teruk sekarang.. so maybank wont be venturing new properties, sbb tu AHB takde bukak investment baru.... i pun ada roger staff maybank yang jaga i... kalo ada peluang AHB, i nak grab...

For now, i mmg simpan all dalam low risk investment....
ASB1 full (partially financing, sbb i nak maximize capping ceiling ASB)
ASB2 full  (cash sbb jual rumah last year, masuk my account max and selebihnya masuk acc ASB2 husband)
Maybank smartcash saving
Koperasi (persatuan staff office)
PRS (private retirement scheme) dpt claim taxxx
Insurance savings (i amek AIA masa ING dulu2)
Unit Trust (i amek both CWA and PB)
Tabung Haji
SSPN anak.. mmg max terus simpan 8k setahun, buleh claim taxxx

I dulu ada gak investment kat BURSA, dengan petronas chemical... lepas peram bertahun2 and dpt 100% return investment, i jual je lah... sbb dividen seciput cam haramm..
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Post time 4-1-2020 09:28 PM From the mobile phone | Show all posts
swimswim replied at 4-1-2020 07:38 PM
Yeee.. I pun fikir mcm u juga which is one of the reasons juga i x beli rumah. I dpt rumah prima i ...

U have a very good plan there...  work for it ya...

Keje oversea ni frw things u kena consider..
1. Be clear on your target, cth savings certain2 amount, then u call it off  balik Malaysia
2. Kesihatan parents
3. Family

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Post time 4-1-2020 10:50 PM From the mobile phone | Show all posts
bagus bagus komen kat sini semua... x habis baca nnt sambung and bg tacang kat u alls ya..

baru nak buat utk anak tp mcm pening.. so stick pd savings je la
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Post time 4-1-2020 11:16 PM From the mobile phone | Show all posts
Edited by green~tea at 4-1-2020 11:31 PM
adila39 replied at 4-1-2020 10:50 PM
bagus bagus komen kat sini semua... x habis baca nnt sambung and bg tacang kat u alls ya..

baru n ...


Utk anak u buat SSPN-i (dpt claim tax max 8k setahun)... dengan ASB bijak (bawah 18 tahun) max 50k cap limit dia.. lain2 tu i masuk tabung haji.. register awal2 terus giliran haji anak... i park duit raya my son selama2 ni sume dlm tabung haji je.. utk SSPN dgn ASB i carum bulan2 from gaji.... all the best sis
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Post time 5-1-2020 02:53 AM From the mobile phone | Show all posts
green~tea replied at 4-1-2020 09:28 PM
U have a very good plan there...  work for it ya...

Keje oversea ni frw things u kena consider. ...

Thank u for the advise. I suka bincang options yg open mcm ni dgn u drpd bincang mana yg betul atau salah. Ikut org tu la kan mana risk plan yg dia nnak ikut.

Kalau sspn ni boleh ke org yg xde anak masuk caruman. Sbb i ada around rm4k yg i nak kuramgkan from my yearly tax. Harap2 u boleh cadangkan yg sesuai
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Post time 5-1-2020 07:09 AM | Show all posts
Thanatus replied at 4-1-2020 03:14 PM
Ikut pengiraan pusat zakat negeri jugak. Kat KL takde pengiraan zakat khusus untuk asb mcm kat s ...

Oo gitu. Byk jugak tu contribution utk zakat kalau mcm tu. Tapi tak per la byk keluar zakat, nanti byk pulak rezeki yg masuk kan. Amiin
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Post time 5-1-2020 09:37 AM From the mobile phone | Show all posts
swimswim replied at 5-1-2020 02:53 AM
Thank u for the advise. I suka bincang options yg open mcm ni dgn u drpd bincang mana yg betul ata ...

U ada masuk private retirement scheme kat ppa online.. dpt tax relief 3k
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Post time 5-1-2020 03:54 PM From the mobile phone | Show all posts
green~tea replied at 5-1-2020 09:37 AM
U ada masuk private retirement scheme kat ppa online.. dpt tax relief 3k

Takde. Ok cun.. Tks for the advise green tea
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Post time 7-1-2020 11:26 AM | Show all posts
airisa replied at 22-12-2019 09:56 PM
Asb2 loan dah close since early this year sebab dah hampir penuh fund dilanggan ... i pun terlamba ...

I sempat asb2..alhamdulillah

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Post time 7-1-2020 08:15 PM From the mobile phone | Show all posts
green~tea replied at 4-1-2020 07:17 PM
Good strategy sis when u decide to sewa je rumah... just duduk rumah ikut keperluan dan keselesaan ...

Wahh.. byk sgt gap dia tu
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Post time 7-1-2020 08:17 PM From the mobile phone | Show all posts
green~tea replied at 4-1-2020 11:16 PM
Utk anak u buat SSPN-i (dpt claim tax max 8k setahun)... dengan ASB bijak (bawah 18 tahun) max 5 ...

Skrg ni asb anak dah cap ke 200k dah.. asb2 anak pn sama cap 200k. Kalu ada cash lebih boleh sumbat lagi
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Post time 7-1-2020 08:46 PM From the mobile phone | Show all posts
airisa replied at 22-12-2019 09:03 AM
I think u missed the point ... u tahu tak, max asb limit bukan lah rm200k? Max limit rm200k adalah ...

I like the way u think.. i baru tau ms 2016.. tgh bosan2 kat rumah, baca la annual report asb. Dlm report tu bgtau ada 20ribu org yg ada duit dlm asb lebih 500k. Then i terpikir, mcm mane diorg boleh over limit 200k. Dlm report tu ada bgtau dividen yg dapat, dan tidak dikeluarkan akan jadi limit baru. So better penuhkan cepat2 supaya bila pencen nnti boleh makan duit dividen jer..kalu dah penuh, masuk pulak asb anak..
By calculation dividen 5.5%, kalu kita penuhkan asb 200k skrg, next 30 year akan dpt RM1mil jika div compound. Bunyi mcm best kan??let do this.

Kalu prasan, sy newbie kat sini.. sy tersesat kat sini lepas search kat google annual report asb 2019.. haha. Xsabar nk baca report sbb nk predict MAYBE near the future, div ASB2 akan mengatasi div ASB1.
Mcm mane benda ni boleh terjadi?? 1st yg kita kene tau, div = (jumlah profit / jumlah unit terjual). Kalu tgk annual report, size tabung asb1 makin lama makin sarat.. jika profit x bertambah baik, tapi size tabung btambah sarat (kesan drp ASB loan jgk ni) maka div akan makin sikit. Berbeza dgn asb2 yg mana size tabung terhad 10bil je.. sedangkan prospec pelaburan hampir sama.

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