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Reply 19# Dynz
macam ejen jer |
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ok, i tak tahu apa nak kongsi sebenarnya, juz apa yg i blh bagitahu this is the summary yg i dap ...
Dynz Post at 17-8-2010 10:03 
rata2 smpai feb 2010 ya,mmg itu yg plg latest ek.ok kalau kita mula dgn 1k/2k/5k pastu monthly dlm 200-500 kita still bergantung dgn ejen ke?let say sy nk biarkan aje wit dlm tu dlm 5 thn tak usik2 mcm mana,rugi tak? |
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memang ada org yang berpendapat macam ni, at least ada protection n medical card itu penting t ...
Dynz Post at 17-8-2010 09:36
itula psl awt slama ni sy tak trpikir lgsg!sy ada ada 2 ank,sy amik takaful siswa sjk mrk kecil.dh 12 thn sy byr setiap seorg rm100.bila matang nnti kakak dpt 16k,adik dpt 18k.coverage kematian/kemalangan 50k dan cover wad je!apala 16-18k dgn kos belajar skrg kan!
thn lps sy amik cuepacs care utk kga 40.85 dan tmbh lg 12.00 utk 2 ank(tmbhn kemalangan)dia cover 60k per family,ada medic card la tp caruman kita burn mcm 2 la!aduhh pening kpala sy! |
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Reply 21# ibm632
tapi ilmu saya tak sebanyak en ibm, saya budak baru belajar....tengah study lagi |
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rata2 smpai feb 2010 ya,mmg itu yg plg latest ek.ok kalau kita mula dgn 1k/2k/5k pastu mon ...
mambangkuning Post at 17-8-2010 11:16 
Yg latest nanti i boleh bg sampai 16 Aug 10, nanti I PM U. Memang start dgn 1k, lepas tu depends berapa u nak top up berapa. Susah nak promise u akan dapat untung berapa banyak, coz ini utk medium to long term investment n ada risiko turun naik, then kos utk pengurusan memang tinggi, but so far u blh nampak apa ug i bagi tadi ada +/- . selalunya average yg UT bagi setakat ni return dlm 15%. Kalau u tak nak ambik risiko better u letak dlm ASB je. but so far, i belum lagi rasa tergugat dgn return dr UT, n i harap2 dia punya return akan terus2 bertambah.
selagi u tak tukar ejen, so yr ejen must every time to monitor yr fund.....peranan ejen pun penting |
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Reply 23# mambangkuning
tak per, at least ada jugak daripada takder langsung. U masih mudah lagi, still ada banyak masa untuk menyimpan cuma kena tempat dan cara yg betul dan kena jumpa dgn orang2 yg betul...itu je |
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Yg latest nanti i boleh bg sampai 16 Aug 10, nanti I PM U. Memang start dgn 1k, lepas tu depend ...
Dynz Post at 17-8-2010 12:01
ok nnti PM sy ya,byk betul nk tnya!dh lam ke u join?kalau letak 1k then biar je betapa slama 5 or 10 thn apa jd ek? |
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Reply mambangkuning
tak per, at least ada jugak daripada takder langsung. U masih mudah lagi, ...
Dynz Post at 17-8-2010 12:04
emm tak muda lg lo!sevis lg 23 thn je |
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..caruman bulanan yg sama tp keuntungan dan hasil berlipat ganda!sy ngah menimbang kati ni nk stop insuran pendidikan dan stop salah 1 insuran sy yg takaful msia tu.bila belek balik upanya takaful msia selain dia cover sy 80k saja,apa yg leh klim cuma mati/mati kemalangan n elaun hospital/wad.penyakit elek!mcm tak berbaloi plk sy carum tiap2 bulan 112.60 dari bulan nov 1998!takaful ikhlas lak sy byr monthly 161.48,leh cover 60k n cover 36++ penyakit.agknya monthly sy sikit kot cover pun tak byk!
mambangkuning Post at 17-8-2010 06:37 
salam Puan,
cuba puan list kan jenis insuran yg puan ada bersama benefit nya..
sbb bila belek2 balik..pemium mahal, benefit sikit.. |
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Reply 28# mambangkuning
servis lagi 23 thn, panjang lagi tu....macam-macam ada. umur lahir sampai 20 semua makpak tanggung, 20~40 masa cari duit utk expenses/saving memang kena kerje lebih sikit, sbb nak guna sampai umur 100 thn klu panjang umur. That why depends pada kita camner kita nak manage kita punya financial. let say gaji RM1....s/ada u belanja 50sen simpan 50sen, belanja 10sen simpan 90sen atau belanja 90sen simpan 10sen.....bak kata nabil Lu Pikir La Sendiri! |
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memang ada org yang berpendapat macam ni, at least ada protection n medical card itu penting t ...
Dynz Post at 17-8-2010 09:36
ada ker insurans yg x burn bl byr? mksd burn cash tue kite x dpt apa2 bl spai tempoh matang ker? |
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Reply 29# jenglut
itu la pasal....... |
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ada ker insurans yg x burn bl byr? mksd burn cash tue kite x dpt apa2 bl spai tempoh matang ker?
lostnfaun Post at 17-8-2010 12:30
kalu u ambik loan rumah, selalunya bank akan suruh u ambik MRTA. ok yg ni bank just nak cover hutang rumah if happend dekat buyer, so u tak kan dpt cash just cover utk hutang rumah je, so tak yah bayar lagi. Tempoh matang dia sama dgn berapa lama harga rumah yg u beli dan coverage dia pun base on brapa banyak lagi yr o/standing loan. That way if u ak cah return just tukar pada life Ins. Klu u nak ambik Mortgage n life pun blh, tak salah kalu u ada duit lebih. |
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Islamic Select Treasures Fund - 31 July 07 to 23 Feb 10 -11% (fund yg agak slow), sekarang ada nampak naik sikit
Islamic Divided Fund - 18 Feb 08 to 23 Feb 10 +13.12%
Islamic Sector Select Fund - 17 Jun 09 to 23 Feb 10 +12.49%
Islamic Equity Fund - 29 Oct 09 to 23 Feb 10 -1.19%
Ittikal Fund - 31 May 06 to 23 Feb 10 +26.41%
Dynz Post at 17-8-2010 10:03
kat mana yg average dapat 15% tu?
15% per year atau 15% over 3 years?...
cuba kira betul2.. jangan harapkan UTC jer..
kita pun kena tahu jugak camaner nak kira
kalau tak camaner nak advise orang nanti... |
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kalu u ambik loan rumah, selalunya bank akan suruh u ambik MRTA. ok yg ni bank just nak cover h ...
Dynz Post at 17-8-2010 12:39
mksdnya klu bank suh ambk MRTA kite ckp xnk n ckp nk ambk life insurans, camtu ker? sory sy x bape pham psl insurans, tgh blaja2 psl insurans... |
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kat mana yg average dapat 15% tu?
15% per year atau 15% over 3 years?...
cuba kira betul2.. ...
aarie Post at 17-8-2010 12:40
cik/puan aari....summary yg bagi tu memang i punya sendiri, so itu yg i dpt setakat ni. u blh nampak clear
Ittikal return +26.41%, 1thn average +13.21% (capital 1000 return 1264.14)
PIE return -1.19% , 1 thn average -1.19% (capital 3372 return 3331.9)
PISS return +12.49%, 1 thn average +12.49 (capital 3620 return 4072.12)
PID return +13.12%, 1 thn average +6.56 (capital 16857 return 19068.76)
PIST return -11%, 1 thn average -5.5 (capital 1877 return 1670.53)
that why i cakap selalunya UTC bagi average 15% and may u get less n u get more. u blh nampak i punya return ada plus minus tapi still lagi untung overall.
one of my fren baru je complaint dia invest 11K dah 2 thn dari harga beli 0.4++ dah 2 thn turun pada 0.2++ fund tak naik2. Rugi kan? coz sleepy agent.
ada lg fren, tp i tak tengok detail dia, jeling2 je, invest >< 100K++ n return about 90K++, retun about 98%, tapi yg ni i tak tahu berapa average dia 1 thn, but so far, dia happy dgn apa yg dia dpt...that mean...untung la... |
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Reply 35# lostnfaun
yes, u blh tak nak ambik MRTA, U cakap....i tak nak ambik MRTA coz i dah ada life insurans coverage 1M |
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dia pun ada sentuh abot insuran trmasuklah insuran pendidikan!
katanya tak berbaloi lgsg dgn kos belajar akn dtg yg mmg dh sedia maklum semakin mhal.
dia cdgkan better duit tu masuk kt unit amanah.caruman bulanan yg sama tp
keuntungan dan hasil berlipat ganda!
sy ngah menimbang kati ni nk stop insuran pendidikan dan stop salah 1 insuran
sy yg takaful msia tu
mambangkuning Post at 17-8-2010 06:37
ramai orang yg terkeliru dan kadang2 sengaja dikelirukan antara insurance dgn investment
especially bila citer pasal insurance with investment link policy........
kena ingat principal nyer:
insurance untuk perlindungan
investment untuk pulangan... nak buat duit
insurance with investment link policy... bukan untuk buat duit sambil ada insurance
macam yg ramai ejen insurance tak bertauliah selalu citer...
investment yg link to the policy tu is to protect the policy...
objective masih untuk protection/perlindungan berterusan
kalau ada lapse in payment.. return dari UT tu boleh cover dulu buat sementara
itupun kalau ada profit dari investment tu.. bukan nya automatic..
serupa dengan insurance policy yg ada cash value...
kalau lapse payment.. cash value yg ada boleh tampung selagi ada...
so.. main objective is to get protection....
return kalau ada.... hanyalah bonus...
sebab itu... sesiapa yg very sure dia takkan lapse in their payment
atau mereka2 yg jenis 'money is not a problem'..
can save a lot by just buying term insurance...
saving tu buat lah investment proper..
kalau simpan kat ASB (@ 8%)...
rm50 sebulan pun after 30 yrs ada >70k...
ini baru invetment....
kalau terlebih berani lagi baru cuba pulak UT...... |
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that why i cakap selalunya UTC bagi average 15% and may u get less n uget more.
u blh nampak i punya return ada plus minus tapi still lagiuntung overall...
Dynz Post at 17-8-2010 13:18
tujuan investment is to get the best return within our limits..
rule of thumb is... the higher the risk, the higher the return shud be..
kalau setakat nak untung saja.. masuk fix deposit, ASB, ASW, ASD etc..
low risk.. low return..
meaning 8.5% per yr still can be considered as low return.. ASB maa...
UT carry higher risk and cost... obviously we shud expect higher return
kalau kita base on ASB return tu.. at least 8.5% yearly compounded
average return over a 4 years period shud at least be more than 11% per yr average
meaning over 4 years yr investment shud have grown by more than 40%..
anything less than that is a LOST.. maybe not quantum lost but OPPURTUNITY lost...
taking unnecessary risk without any reward... is not good investment.
ps: bukan cik atau puan...  |
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cik/puan aari....summary yg bagi tu memang i punya sendiri, so itu yg i dpt setakat ni. u b ...
Dynz Post at 17-8-2010 13:18
maafkan saya menyampuk...detail figures yg kat atas tue hanya show simple estimated return..u kena deduct dgn service charge, annual fee, dan trustee fee...baru dpt absolute return (nett)..
kita kena amik kira nilai kos skali baru dpt pulangan bersih pelaburan...which is selalunya, less than ASB ... |
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Category: Belia & Informasi
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Post time 17-8-2010 10:42 AM
Author
