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Author: wjv2212

Financial planning

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 Author| Post time 13-6-2007 09:37 AM | Show all posts

Reply #20 NadiaMurad75's post

Care to share what kind of investment is that??
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Post time 13-6-2007 09:39 AM | Show all posts
Originally posted by wjv2212 at 12-6-2007 11:34 PM
Selain daripada ASB, is there any other investment/unit trust/fund/bond yang you all invest? Setau I Bank Rakyat also gives good return (I think better than ASB) but unfortunately skang nie dah p ...


unit trust mcm public mutual, cimb ... ok jugak la .. tapi, kena tgk fund manager .. dpt yg malas .. hancus!!

tak pun, ASW2020 ..dpt 7%
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Post time 13-6-2007 11:55 AM | Show all posts

Reply #20 NadiaMurad75's post

ye la Nad, investment apa tu...
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Post time 13-6-2007 12:51 PM | Show all posts
nak jawab macam segan sbb student lagik

dami bukan byk sgt duit tapi iadela menyimpan sikit2 sbb wat part time.

asalnye dami nak save utk kegunaan mase depan(sekolah anak,haha )

tapi duit mesia dah naik banyak compare mase dami dtg sini dulu.

means kalo tukar duit mesia,dpt sikit aje.so me ambik keputusan beli kereta aje.

tapi pada mase yg same.dami ade save dlm asb@bank islam(dah lame,dr dulu lagik)

sbb asb kan,duit tu die beranak.kalo sini,percentage untung cume 0.001 peratus kot.hampir zero.

so me biarkan duit tu beranak kat mesia.mane yg baki me gune kat sini.

me tgk sesetengah my friend ade yg save duit nak byr deposit rumah di mesia la pape je.

ade yg main habiskan je duit scholar.

bg dami,biar ade tujuan duit tu disimpan.lagipun haku kureng suke berpoya2 nih(selain shopping )

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Post time 13-6-2007 02:54 PM | Show all posts

Reply #18 wjv2212's post

Sort of mutual insurance kut something like that ... kena check balik ni
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Post time 14-6-2007 12:45 AM | Show all posts
Sepatutnye last reply si Nad, tapi tarak....
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Post time 14-6-2007 12:47 AM | Show all posts
Ku reply baru kuar si Nad.... pelik macam chipsmore.
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 Author| Post time 15-6-2007 04:50 PM | Show all posts

Reply #17 DARSITA's post

mahal dak umah kat sana? range brp? selalu ikut tmpt kan? bminat nak tau gak
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 Author| Post time 16-6-2007 02:59 AM | Show all posts
harga umah2 kt msia sentiasa naik...by the time nak kumpul duit beli, harga naik lg   

beli apartment or condo sure ada maintenance fee...mcm rugi jer kekadang tu coz maintenance xde la superb or better....sama jer.... bila komplen br buat...bila xde komplen dorg take for granted jer w/pun resident byr for maintenance ... & lg 1 parking space pun kena beli...mahal lak tu... based on my experience yg ni
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 Author| Post time 16-6-2007 05:33 AM | Show all posts
Saje la nak share kt sini apa yg my fren yg kawen ngan financial executive bgtau.

Hubby dia advise, kita mesti simpan 10% (kalau lebih lg bagus) from our salary. Then buat la joining saving also. Kalau boleh, jumlah saving tu adalah sama ngan jumlah 6 bulan gaji kita. The reason is, if kena sack atau berenti kerja suddenly, kita boleh survive in 3 months untuk kita cari keja lain atau pendapatan lain. Memang betul kalau ada emergency case nak pakai duit, ni la sourcenya. Dan benda ni penah kena kat dia. Then kalau nak buat research, dia slalu gak memnbelek majalah laki dia, PERSONAL MONEY or anything re. financial matter.

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Post time 16-6-2007 05:58 AM | Show all posts
financial planning? hem.. dulu banyaklah baca buku azizi ali ( idoklah banyak buku dia, ada la 3-4 bijik). yup, memang betul kita kena save at least 10% daripada nett income kita. dan kita kena ada at least 3 months net income kita punya saving utk emergency fund. ( ni semua aku copy apste dari buku dia). dan dia jugak cakap, dlm satu rumah, sorang jer amik insurans dah more than enought example husband kita. ( ni mampus kena shoot dgn agen insurans kalau baca statement aku ni.. uhukuhukuhuk...).. dan kena startlah saving utk college fund once anak kita lahir. bukannya masa nak ngantor gi belajor baru tergegeh-hegeh nak jaul tanah, pinjam duit org blablablabla...

kalau kita kerja gomen, kita lepas retired ada pencen, lepas tu medical covered la ( hospital gomen). tapi kalau kita kerja swasta, ader kwsp jerk. tu pasai kalau sapa kerja swasta, kenakah fikir-fikir amik health insurance bila nak dekat retired tu utk medical coverage. dan instead of saving dlm savinga ccount, cubalah invest tempat yg bg pulangan mcm syer bank rakyat, ASB, unit trust dan anything that u willing to invest.

apa yg aku tulis kat atas ni adalah mostly yg disarankan oleh financial planning yg boleh kita apply kalau kita duk kat malaysia. kalau kat oversea tu, lain ceritalah, depends on which country u duduk

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Post time 16-6-2007 09:35 PM | Show all posts
ntah .. ada baca kat mana ntah, it;s best kalau dpt save 30% of monthly income ..
utk masa tua .. skrg ni pun, whatever duit yg kita simpan, face value akan kurang by 3 bila masa kita pencen .. let's say, masa kita pencen, ada savings rm300k, tapi actual value, mcm rm100k skrg ... so .. kena la save n labur kat tempat yg sesuai
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 Author| Post time 17-6-2007 01:21 AM | Show all posts

Reply #32 azaleena's post

i know yg jd 3 sbb 3% inflasi yg diambil kira....   thanks 4 remind me re. inflasi
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Post time 17-6-2007 03:52 AM | Show all posts
Rasa2nye...kat sini ramai yg keje ovc,  lebih dari 10% boleh save. Betul tak?
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spidernfly This user has been deleted
Post time 17-6-2007 11:49 AM | Show all posts

Reply #30 wjv2212's post

itu memang.  i was trained like that. start2 dpt allowance... 10% mmg goes to savings. i know people kata inflation la and all that jazz.... but the point is... 10% is better than 0%....
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spidernfly This user has been deleted
Post time 17-6-2007 11:50 AM | Show all posts

Reply #34 zentex's post

betul... but selalu kena kirim duit ke m'sia sbb ada je yg SOS di sana.... so tak pernah nak lebey dr 10%
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Post time 17-6-2007 12:18 PM | Show all posts
Originally posted by spidernfly at 17-6-2007 11:49 AM
itu memang.  i was trained like that. start2 dpt allowance... 10% mmg goes to savings. i know people kata inflation la and all that jazz.... but the point is... 10% is better than 0%....


Betul tu. Even kalau tak dpt 10%, at least simpan yg berapa termampu. Kkdg emergency ni bukan buat appointment kalau nak terjadi.
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Post time 17-6-2007 12:39 PM | Show all posts

Reply #36 spidernfly's post

sos? selalu ke? Alamak...setakat ni tak le selalu sos. kena stand by gak ni. Sos yg cam ne tu?
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spidernfly This user has been deleted
Post time 17-6-2007 12:48 PM | Show all posts

Reply #38 zentex's post

hmm... ye la, parents in law, sister, mother, there are months where kekadang diorang ni sesak... so kena la hantar duit

then, ocassions like weddings (brother in law or close relative, memandangkan none of my sisters walaupun one is 28, belum nampak petanda nak kahwin just yet) pun kena hantar duit.....

things like that la... SOS
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Post time 17-6-2007 01:08 PM | Show all posts

Reply #39 spidernfly's post

Hmmm baik hatimu yea Spid.  Sos camni tak le selalu happen to us. Tapi rasa2nye utk wedding my sis or SIL. kena le standby...Rasa2nye kena la hulur. Tapi every month kami hantar duit for MIL/FIL RM2K...then beradik lain bagi....+ plus pencen  kami rasa total ada la RM5k every month dia rang dapat. So I think that's why tak selalu sos... I think for 2 people 5K tu more than enough. Then dia rang x perlu bayar bill2....ade yg yg settle kan. My side pulak, bila balik baru i hulur kan my dad. Dia tak kisah...i bagi ke idak.
Nak tanya u spid, kalau sos macam mintak deposit beli rumah ke...deposit kereta ke u bagi ke or bagi "loan".
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