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Salam semua.
Banyak btul pandangan and penglaman dapat dikongsi kt sini.
This is mine, hopefully will be benefit/helpful to others.
At least 50% of my salary I buy gold coin at UOB (Jln Raja Laut). My 1st coin(1oz) cost me Rm4100 (Oct 2010), and my latest coin cost me RM5290(Dec 2010). I have now total 40oz gold coin stakat ni.
So far I dont need money so there is no reason for me to cash/sell them yet. Maybe in near future ada business/tanah/rumah yg bagus/murah/menguntungkan then baru jual semua coin utk dapatkan cash. On top of that, price appreciation from my gold coin stakat ni is 28% per year. Not bad profit for coin that do nothing but sit safe somewhere secret.
Nak beli rumah rasanya sangat mahal and I think house price skrg tgah bubble. Share market definitely not for me bcause I dont have guts to risk my precious income in a blink.
So, to play safe I buy as much gold as I can and 'wait' for the right moment before spend them on best deal. Hopefully when time like 1998/99 will be here again in near future, I can spend/invest without have to apply for loan. Buy cash. Loan make me slept less. I hate loan with interest because it riba no matter how you explain them. Kan best klu ada loan without interest.
Just my 2 kupang opinion. |
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Reply 321# muda_nerq
berapa salary u...9k/mth.... |
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kadang2 saving yg kita buat utk main2 bila tgk2 balik kalau buat cara consistent bleh dpt byk gak..
last few years i menyimpan duit syiling, everytime dpt balance dr beli brg if dpt syiling i put aside cepat2..dah pernah cash in syiling tuh dlm TH around 400++. tp kejap jek abis. lps tuh dah tak cash in, biar jek berlonggok tepi meja solek..i dah siap asing2kan ikut nilai, yg 20 sen paling byk, dah kena letak kat tabung baru since tabung yg lama dah penuh..total, tetaw lah..lama dah tak keep track
this year i nak sbg balik simpan syiling secara konsisten..tahun lps ada gak simpan tp tak consistent.sbb cashier suka tanya "ada duit kecik tak dik?"..  |
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last month i main simpan note RM5 ngan kawan2 kat opis...budak2 kat forum ni pun ada join main gak..tp bukan board neh 
dlm masa satu bulan bleh save RM130..
konsep dia sama gak cam syiling, bila dpt RM5 note yg kaler ijo tuh dr balance beli brg, trus asingkan siap2...
this month nak simpan lagik  |
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Reply 323# baby_pingu
saya setiap kali cashier tanya ade suit kecik x?sy ckp xde.tp cashier kedai besar la mcm giant ke tesco ke.kalo warung2,xsampai ati jugak ckp xde huhu.memang kalo cash kan,kejap je abes kan? 
pasni cash kan masuk asb terus la.walopon seratus dua je  |
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Reply 325# damiqula
tu la pasal..kalo dlm keadaan sedar bleh lagik jawab ngan muka konpiden "takde"
tapi kadang2 separuh sedar, elok jek hulur duit syiling/kecik...
bila dah balik umah "eh, naper lah aku bg duit syiling tadik..alahai" 
takpun bila masa nak byr parking, tetiba mesin parking takleh accept notes...kena menapak ke kereta dulu amik syiling lam kereta..sedangkan tadi elok jek ada few syilings lam purse tapi baik hati bg kat cashier supaya senang dia nak kira  |
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Reply 326# baby_pingu
kene hati kering sikit  |
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Reply 327# damiqula
kan? demi memenuhkan tabung katak  |
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Reply 328# baby_pingu
at least ade katak nak temankan u saving.sy pakai taperwer biskot raye je.atas tu tebukkan lubang ngn pisau.kesian sgt  |
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Reply 322# muhdfadill
Yup. Nett income after tax and epf deduction. |
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dividen tabung haji dah announce ke?  |
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ader x sesapa kat cni join akaun simpanan i-qiradh bank rakyat...dari banner tue tulis bleh dapat pulangan setiap bulan...dalam 3% mcm tu lar...betul ker atau saya silap faham...sy dah google tp sikit sgt info sy dapat pasal skim nie...nak tau lebih lanjut ar...kalau leh dapat pulangan nak gak join... |
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Salam semua...
Dah tercapai hajat Abg_Naz untuk menambah pelaburan untuk tahun 2012 ni...alhamdulilllah.. berikut ialah senarai simpanan dan pelaburan yang telah Abg_Naz buat :
1. Baru je tambah saham ASB RM50K... menjadi jumlah sekarang RM150K...Insyaallah, tahun depan nak cukupkan RM200K... then pull stop.
2. Tambah pelaburan saham Bank Persatuan dari RM2K ke RM5K.
3. Dapat offer Bank Rakyat tambahan lagi 1K...jumlah errr... baru RM1500 je.. ( baru teringat nak join tahun lepas... hu hu..)
4. Buat pelaburan eFD Maybank - RM5K bulan Feb lepas. Profit rate 2.80% je kot..
5. Saham AHB Maybank - kekal RM10K
6. Simpanan Tetap Bank Rakyat - kekal RM10K..matang bulan pada Apri 2012....Insyallah nak tambah pelaburan lagi RM15K..dan nak mohon keuntungan profit rate setiap bulan mulai Mei 2012 ini.
Setakat ini dulu perancangan keewangan untuk tahun 2012 ni... Insyaallah, kalau ada rezeki lebih-lebih nanti, boleh la nak tambah mana2 investment sedia ada nanti atau err..apa-apa cadangan dari yang lebih arif... |
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Reply 334# Abg_Naz
bestnyer tgk list pelaburan Abg_Naz neh..jeles okeh  |
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harini FC bg nasihat srh diversify investment..katanya muda2 kena pandai diversify..
n dia mcm takleh nak accept the fact yg aku takda ASB...cos dia kata as bumiputera i should use that opportunity.cos dia bkn bumi, so dia takleh bukak asb lah..
so this few days nak pikir2 dulu should i bukak asb akaun ke tak...?  |
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Reply 334# Abg_Naz
Salam Abg_Naz ..byk betul u punya investment..but i ada nak tanya sedikit boleh?
1. Yang u kata baru tambah 50k dalam ASB tu ..is it loan asb or mmg cash yg u berjaya simpan?
2.Apa yang dimaksudkan dengan eFD Maybank?
3. Apa beza point no 3 and no 6 tu?2-2 bank rakyat ..
Mohon Pencerahan . |
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tahun nie plan nak main share ...
dapat profit semua simpan..tahan nafsu nak belanja...
plan nak beli rumah baru next year....moga ALLAH permudahkan segala urusan..
amin. |
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Reply 338# tuan_wu
Yakin boleh bro
Kat mesia ni tiada yg mustahil
Enjin kapal terbang pun bole lesap |
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Category: Belia & Informasi
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Post time 3-1-2012 09:51 PM
katak tuh sekarang jadik 2nd tabung utk doplohsen 
