Simpanan Wang

sany48

Originally posted by bumbun at 16-9-2005 10:14 AM


dah gi site tu tp tak paham :stp:

Hi,

Well, the website tells what is SBB Mutual Berhad's background, type of product/fund  offered, etc. In detail, you will be able to know the funds characteristic, where does your money have been invested, % return of investment to clients, stuff like that.

If you wanna more.. you may discuss.. there are a lot of opportunities which yet to be discovered...




Sany

MACD

Originally posted by shahgti at 15-9-2005 01:04 AM
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 (ric ...

Yup both books are fantastic! I have another one on my favorite list - The Millionaire Next Door. Here you'll learn how an average American millionaire spend their money. You'll be surprise with the findings!

Andak

Hii... best betul thread ni... baca dari mula amik masa sampai 3 jam nak abiskan dan  fahamkan sumernye... banyak knowledge yang dapat... as they say, yang penting DISIPLIN diri.. hanya satu yang nak share, apapun yang kita buat, pastikan pelaburan kita tu 100% Islamic and halal. Biar kurang sikit returnnya tapi berkatnya lebih. Itu lebih penting coz berkat u cant count and see. Memang kalau tgk conventional loan lebih murah dari islamic loan tp cukup ke murah tu ngan tanggungjawab kita sebagai muslim. Gitu gak ngan investment and insurances. Xnak menyinggung sesapa. Just my opinion sebab kita dah ada pilihan, either in loan, investment or insurances between conventional and islamic. Kita dipertanggungjawabkan atas apa yang kita lakukan..Jangan matlamat menghalalkan cara. Menabung, melabur, menyimpan dsbnya memanglah penting dan sy sokong sepenuhnya tp biarlah kena ngan caranya... Berkat penting, zakat pun penting gak..

lonely_surina

welkem to the thread andak

Andak

Tq sue.. sy pun baru kat sini..

sany48

Originally posted by sany48 at 16-9-2005 10:41 AM



Hi,

Well, the website tells what is SBB Mutual Berhad's background, type of product/fund  offered, etc. In detail, you will be able to know the funds characteristic, where does your money  ...

Assalamualaikum,

Just to inform to some of you who might have interested.. I do have come with a website

              www.investwithsany.com

to share some of my knowledge about the unit trust in general.. and SBB. .since I am attached to SBB.. It is still  new and a lot of things need to be improved. I do hope you enjoy going thru it and you wil understand it better.

Then, you have the capability toi decide which one you prefer the most. It is all absolutely no obligation at all.



Sany

Hi all,

Saya dah mintak finance dept tpt saya kerja ni utk buat potongan gaji rm500 sebulan for my ASB. so lepas ni duit dlm tgn akan lg sikit :cry:

nway.. haritu ade tgk 1 cd azizi ali yg ade kat rumah. antara info dlm tu, dia suruh 1st sekali bayar diri kita. maksudnya keluarkan siap2 tiap bulan bahagian utk diri kita sendiri dlm bentuk wang simpanan. mcm post2 sblm ni ckp, at least 10% of our income..azizi ali kata dia sendiri simpan dlm 30%. tu yg st.

yg 2nd..buat emergency fund / empangan..mcm yg lain2 ckp gak sebelum ni. at least 3 bulan gaji.

yg ke3 dan seterusnya sampai 6 saya tak berapa ingat isi n turutannye..dia ade suruh beli properties, insuredkan benda2 mahal sahaja dan ade la lg..adeh bole lupa pulak isk isk.

so sekarang saya berazam nak simpan rm500 tu n tambah lg rm100 tiap bulan selama 10 bulan utk buat emergency fund saya. baki duit bulan2 tu kalau ade lebih2 lepas bayar ape yg patut. saya nak simpan di tabung haji <<--ok ke? ataupon simpan je dlm asb tu? doa2 kan saya supaya bole simpan dlm rm700 sebulan..(kalau nak simpan rm1000 sebulan tu mcm tak terdaya je)

lepas tu saya ade tgk kat website azizi ali http://www.millionairesplanet.com ni utk beli buku. beli bundle lg murah dr bel 1 1. so planning to buy 1 set next month. sekian terima kasih.

sany48

Originally posted by pearl_eye at 19-9-2005 02:59 PM
Hi all,

Saya dah mintak finance dept tpt saya kerja ni utk buat potongan gaji rm500 sebulan for my ASB. so lepas ni duit dlm tgn akan lg sikit :cry:

nway.. haritu ade tgk 1 cd azizi ali yg ad ...

Hi,

It is good if you have start saving now. Saving is good for everyone because
  
   a. We have to have a self-discipline
   b.  We will benefit in a long run

Anyway, if you have extra money.. or you might wanna to consider as saving for long term on top of what you are using such as ASB, Tabung Haji, you might want to consider dversify you saving into SBB Islamic Unit Trust as well. The process is almost the same. except the unit is has a volatile performance. Again, it denotes like 10-20% per return peryear. In SBB, there is a fund where you invest RM500 for the first time, the subsequent saving is about RM50.00 only.. so easy.. if you are using SI..

You may also visit www.sbbmutual2u.com or www.investwithsany.com for detail.


Sany

p/s Just a little advice from me.. if you wanna do something, do something you are master about it. and yu enjoy the most.. macam orang tua kata. "kalau kain sejengkal laut dalam jangan di duga..".. But if you kinda no fear failure person. just do whatever you wanna do... JUST DO IT!

shahgti

Originally posted by pearl_eye at 19-9-2005 02:59 PM
Hi all,

Saya dah mintak finance dept tpt saya kerja ni utk buat potongan gaji rm500 sebulan for my ASB. so lepas ni duit dlm tgn akan lg sikit :cry:

nway.. haritu ade tgk 1 cd azizi ali yg ad ...

baguzzzz!!  potongan gaji yg paling berkesan sekali. makin byk makin bersemangat anda nanti. believe me!! dan yg paling penting jgn pasang angan2 utk beli benda2 yg bakal merosakkan plan anda for financial freedom spt nak upgrade handphone, tukar keta baru etc. basically kalau gaji rm2000 contohnya mestilah kekalkan life style seolah2 spt bergaji rm1000.

sany48

Originally posted by shahgti at 19-9-2005 05:59 PM



baguzzzz!!  potongan gaji yg paling berkesan sekali. makin byk makin bersemangat anda nanti. believe me!! dan yg paling penting jgn pasang angan2 utk beli benda2 yg bakal merosakkan plan anda ...

Hi,

Apa salahnya kita angan nak pakai keta besar.. rumah besar.. as long as kita ada berusaha... Kalau tak keta2 besar tu sape pulak nak beli.. kan kan kan..

Angan2 dan sedang berusaha nak pakai Toyota Harrier 2.5 Metallic black with crystal lamp.. new front grill year 2003





Sany

shahgti

Originally posted by sany48 at 19-9-2005 11:00 PM


Hi,

Apa salahnya kita angan nak pakai keta besar.. rumah besar.. as long as kita ada berusaha... Kalau tak keta2 besar tu sape pulak nak beli.. kan kan kan..

Angan2 dan sedang berusaha na ...

should delay angan2 tu until we achieve our financial independence goal. the more we save then the more we can invest. the less we save, lagi lambat nak achieve goal. depend on how fast kita nak achieve goal ni...

shahgti

last time aku drive keta import, bayor nak cecah seribu. wife pun pakai keta, bayar rm700++ gak bulan2. rumah lagik.  saving hardly achieve 10% of our income per month....then after baca buku2 self improvement baru ler ada guts utk downgrade in order to invest more. tapi bukan senang nak ubah lifestyle yg boros nih, tambah tengok kengkawan asik tukar2 keta, cepat jer semangat luntur. sebab tu kena byk bercampur dgn kengkawan with same goal.

tapi kalau kita notice, kengkawan yg boros ni senang jer nak cari. Nak cari kengkawan yg ada goal utk financial freedom ni very rare. kalau ada pun just yg ada impian tapi tak pernah put into action. for me, i dah set by 45 years old my money will work for me, aku just nak enjoy my vacation round the world.

Setakat ni saya takde terfikir pon nak tukar hp or beli kereta sbb hp masih elok lg walaupon dah pakai since 2003 (sony ericsson t100 je..beli dgn rega 300 dulu). mak ngan ayah dr dulu dah ajar beli barang ikut kemampuan jd sampai sekarang even dah keja pon alhamdulillah pesan mak ayah tu saya ingat. kereta pon mak ayah tak kasi beli, diorang suh kumpul duit beli rumah.

pasal unit trust tu saya tak berani la nak try dulu. saya budak baru belajar..so kena start slow2. takut silap langkah, rugi je nanti.

korang yg lain mcm mana progress sekarang? nak tahu jugak kalau2 ade new achievement ke ataupon tips2 baru. sila la kongsi2.

sany48

[b]Pearl_eye wrote:

Setakat ni saya takde terfikir pon nak tukar hp or beli kereta sbb hp masih elok lg walaupon dah pakai since 2003 (sony ericsson t100 je..beli dgn rega 300 dulu). mak ngan ayah dr dulu dah ajar beli barang ikut kemampuan jd sampai sekarang even dah keja pon alhamdulillah pesan mak ayah tu saya ingat. kereta pon mak ayah tak kasi beli, diorang suh kumpul duit beli rumah.

It depends on your need actually. which kinda work I do.. I need good cars.. I work like from 9am-7pm everyday.. sometimes I feel so annoyed... why I have to work so long. but whenever I drive my car and listen to radio.. I forget about all the misery..It worthwhile to work so hard. and be able to drive a car..my car is not Mercedes ..BMW.. but I do appreciat it.. that is how I look at it..

How do you go to work? LRT? Taxi? Use your parents car?

pasal unit trust tu saya tak berani la nak try dulu. saya budak baru belajar..so kena start slow2. takut silap langkah, rugi je nanti.

To be frank with you, unit trust has been working for almost 20 years now.. started with Public Mutual, SBB Mutual , etc. It does not surprise me at all when most of the people say something like that.. If it is really true..where do you get all these negative messages? Is it
a.  From you famlly whom know nothing about it?
b.  From a friend whom has never invested?
c.   From a colleague whom has invested in a wrong investment vehicle?

I would say it is just a negative thinking.. I have met so many malays who have the same feelin. I wonder why.. but most of people.. races. investing in unit trust are 2nd thing after insurance..  it is for long term investment... do you know ..or do you not know..SBB Islamic  unit trust provides return 10-20% peryear? You can even save as low as RM50.00 a month.. so what it the scary about it? You are investing your money thru a 20-year-experinence Certified Financial Planner in SBB. He will take care of your money... me. just unit trust messenger...

korang yg lain mcm mana progress sekarang? nak tahu jugak kalau2 ade new achievement ke ataupon tips2 baru. sila la kongsi2

Anyway, do whatever you have to do now.. I am just sharing like 5% information that I know more than you do..JUST DO IT!


Sany
p/s I am building a website www.investwithsany.com  It is pretty new though... you may want to take a lot at it..

I am using LRT (star n putra) everyday. cost me rm 90 (monthly travel card) and <rm20 (touch n go) every month. if i have a car, i will still use lrt to work, because my house is too far away from my office. ampang to kelana jaya everyday passing by federal highway is not really my thing. one time my bf came n fetch me from work (5.30), we reached my house almost 7pm. sama je dgn naik lrt, even sometime i can reached home 6.45 by lrt. plus i can sleep or read during the ride. benda yg dah lama saya tak dpt buat dgn aman ialah membaca. untill now (after 2 n half months working) i've finish 3 books n now reading the 4th. LRT does make my life easier..donno about you. but later i will surely buy myself a car la. maybe kelisa is enough :D

unit trust ni pulak, is it not that i dont want to involve in or have -ve perceptions influenced by people around me..it just i myself not yet prepare for it. i need to learn 1st before i commit into something rite? i know about public mutual and few others UT, even my officemate talk to me about her UT. she said the market is low now therefore her broker advice her to buy more UT to take advantage of the situation. for me i have to take things slowly..takmo la nanti jadi hangat2 tahi ayam or yg di kejar tak dpt yg di kendong berciciran.

shahgti

Originally posted by pearl_eye at 20-9-2005 10:43 AM
I am using LRT (star n putra) everyday. cost me rm 90 (monthly travel card) and <rm20 (touch n go) every month. if i have a car, i will still use lrt to work, because my house is too far away fr ...

sebelum you nak buat apa2 investment dg your hard earn money, i propose sekurang2nya you bacalah buku:

1. The Money Book - by CAP (Consumers Association of Penang).
2. Millionaires Are From A Different Planet - by Azizi Ali.

memang ada byk lagi buku self improvement yg lain (malaysian environment) but to me kedua2 buku ini tidak mengandungi muslihat/kepentingan terselindung sebab ia ditulis oleh pihak yg tidak mempunyai berkepentingan apa2. maksud i kedua2 buku ni are not making money selling any sort of their investment products. sebaliknya mrk adalah pengguna biasa mcm kita, yg mencari the best investment vehicle utk mencapai merdeka kewangan dan menghindarkan diri dari belengu hutang yg tak kunjung padam.

Buku2 ni will be an eye opener for us supaya tak silap langkah dlm investment. A word of advice...if at any time someone approaches you dgn mcm2 jenis investment opportunities where you can make more than 30% per annum return with minimal risks, barang harus diingat, quite likely it will be a 'con' job (putar alam). so hati2lah.

seperkara lagi, kita perlu tulis goals kita atas kertas & pelekat kertas tu ditempat yg kita senang nampak. kalau rasa malu, biasa ler orang melayu ni pemalu... boleh lekat sebelah dlm pintu almari baju, so tiap kali kita bukak almari tu kita boleh nampak jelas setakat mana our progress. spt yg selalu disebut oleh bijak pandai "people don't PLAN TO FAIL, they just fail to PLAN".

contoh PLAN atau GOAL bertulis:

1. to buy my first property 10-20% below market within 2 years, with ZERO Down Payment & POSITIVE Cashflow.  
2. to have rm15k saving in ASB within 5 years.
3. etc...etc...

sany48

Originally posted by pearl_eye at 20-9-2005 10:43 AM
I am using LRT (star n putra) everyday. cost me rm 90 (monthly travel card) and <rm20 (touch n go) every month. if i have a car, i will still use lrt to work, because my house is too far away fr ...

Hi,

About the car stuff..That is what I have thought.. You are right.. there is no point to get a car now...life is about choice.. you have made your choice though

I wish I could use LRT too..I wish I can. but I could not..there is not LRT yet...

Let say if you want to invest at any unit trust later, I would suggest you a few things:

  1. Identify what is the risk level of any unit trust. The higher the risk, the higher the return or vice versa.
  2. Look for a fund which has low level of liquidity. It means that you can redeem the money as soon as 3-6 working day
      Some unit trust company offer minimum one year maturity period. It means there is no way no can get the money
      less an maturity date.
  3. Look for a good agent. A good agent will sometime help to double up your return as much as 50% higher. It is
      because he/she should be able to advice you when the right time to sell and buy back the share. We call it Buy at
      low sell at high. I have had a client whom claim he has lost money all the times. When I throughly analyse, it is the
     agent whom has failed to notify him when he is supposed to sell. He has ended selling when the unit price was down.
     So, there is nothing wrong with the unit trust. A client also need to know something about it.
  4. Start with a small number of amount advance as low as RM50.00 a month. I am sure you can do it right away. You
       may diversify some of your saving and compare the return with existing investment vehicle.

I guess that is about it.

Regards,
Sany

zamz00

Originally posted by pearl_eye at 20-9-2005 10:43 AM
I am using LRT (star n putra) everyday. cost me rm 90 (monthly travel card) and <rm20 (touch n go) every month. if i have a car, i will still use lrt to work, because my house is too far away fr ...

as long as u comfortable ok je kan..nak jalan kaki pun boleh..

tapi mmg betul ramai gak yg tak aware sgt pasal risk unit trust ni..
main masuk je..tak tgk market pun...
nak ikutkan mcm2 jenis unit trust kat msia ni..ada yg fund manager invest dekat fixed income, ada yg kat equity, ada plak kat money market..

so sesapa nak invest kenala ambik tau ...jgn main belasah je..tu yg loss tu

Andak

aku bukan agent unit trust k... yang aku tau, unit trust is for mid to long term investment... minimum 3 years... kalau shorter dari tu... memang xnampak untungnyer lagi kecuali market masa tu betul2 down and within 2 years dah naik... but cycle tu dah berlalu... wait another cycle kot... with market condition sekarang, at least 3 years baru nampak pulangannyer ok... pepun, maybe leh tanyer bro sany.. i think he is an xpert abt unit trust..

ahmad_albab

Originally posted by pearl_eye at 20-9-2005 10:43 AM
I am using LRT (star n putra) everyday. cost me rm 90 (monthly travel card) and <rm20 (touch n go) every month. if i have a car, i will still use lrt to work, because my house is too far away fr ...

Attitude yg bagus.... actually semua investment vehicle tu ada baik ngan buruknya..... semua org tak mau yg buruk... utk mengelakkan drp dpt yg buruk tu, hanya knowledge yg boleh membantu kita.... of course la tuhan faktor no one...... Jadi, sebelum kita membuat satu satu keputusan, pastikan kita tahu benda yg kita nak buat tu.....

Nak dptkan knowledge ni akan amik masa, utk sementara tu, kita boleh invest kat vehicle yg simple.... cth ASB and bank rakyat......