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Originally posted by MACD at 24-9-2005 12:27 PM
I am more interested in sales than unit trusts! It's amazing that you could use certain techniques to influence your potential customers into becoming one. After reading Brian Tracy's books, I am ...
Assalamualaikum,
I am a new trust consultant with SBB..no doubt about it...but I am very helpful...like to share with any people in here.. whether you are going to invest or not..that is secondary...and I am smart too..by just a few clicks.. I can reach potential clients everywhere in Malaysia as long as they open this forum..
My question.. what is so wrong about it? Am I committing a sin just to share my 5% knowledge about unit trust with everyone here?
Regards,
Sany |
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Originally posted by sany48 at 24-9-2005 02:30 PM
Assalamualaikum,
Are you kiddin me? Whattttttttt.. Wah Wah... easy to ask huh!. Well.. I have it right on the finger tips.. but I am not gona do that now.. if you are really interested..
a. You may log on to www.sbbmutual2u.com ..
b. Ask you friends..someone you know ..who becomes SBB unit trust financial consultant
c. Get yourself a SBB Master prospectus (Valid until Jan 2005) - Appoved by Security Commision
The reason I can't publish it here.. we are oblighed by Security commission.. we cannot simply publish.well..I am not sure..anddddddddd I do not want to get in trouble.. I have a few mouths at home to feed.. everyday... being a unit trust agent is part of my income..I am still attached to fulltime job at one company tough....hahahaha
I will only show to you..once we meet face to face.. that one is permissable...call me at 0192709160..is you wish.. we can set an appointment at your convenience..
Regards
Sany
Somehow your answer does not impress me. Either you are too lazy or you're just afraid to open a can of worms. If you think I am stupid then you are dead wrong. Under which regulation that SC prohibits you from publishing the unit trust performance. Anyone can see it in newspaper or magazines like Personal Money. The only reason you dont want to publish it because you dont want to let the general public know that the performances of the funds are not as good as you claim them to be. Typical underqualified agent, I am here for a discussion on unit trust performance & return. Dont give me stupid excuses like that. |
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Originally posted by sany48 at 24-9-2005 02:55 PM
Assalamualaikum/Hi,
Who are you to say so...just because some agents do somethind bad.... you can't apply to all of us too..that is not fair.
OK, agree that does not apply to everyone. That's why I qualified myself with this sentence "Sad but true this is normally the case". Now if you care enough to read it carefully...
There are good reasons why we like fresh graduates to invest for both the clients and agents perspective:
a. They have less commitment as compared to 10 year work experience like I do..so they can easily invest as low as
RM50.00 a month by using SI/Autodebit
b. They are well educated.. easy to explain..and open minded as well., as compared for those who have
been investing in ASB for almost 10 years...these people sometimes are like an glass with full of water. no matter
how much you pour.. it will never take it..so STATIC..
c. These people can start to manage their financial in advance... to develop saving habit.. good for their own futur..
a) Of course they dont have much commitment but do they have much money? Those who have many years of working experience would have make more money than fresh graduates but then why dont you go for these people? Because their level of knowledge in unit trust is more sophisticated and you really need to work hard to convince that you could actually make them money.
b) Yes true enough but it is your responsibility to explain everything from A-Z including the potential risks, loss and etc. In many case, unit trust agents would approach fresh graduates with false expectations that they could easily make money.
c) I agree with you that people need to be educated about money and subsequently develop their own strategic financial planning. Savings is good but for fresh graduates and the best short-term place for them is ASB and Bank Rakyat where the capital is protected.
There are lot of case in Malays community..to loan from any bank for marriage..Why do I say that?
It is good to get marriage.. but applying a loan is no good.. marriage is oblighed by Islam..for everyone when is the
right time but getting a loan in not practical... can u just imagine... you apply a loan from conventional Bank for
RM10000.00 and you have to pay it back for 7 years..
The money you get..you will use to give to the bride..plus to have buy things for the kenduri.. Do you think that is
money is "berkat" that is why some of the marriage nowadays have so many problems...
Plus, you have to pay it back later... I think by the time you get you 3rd child, you will still owe to the bank..
Now you are really getting on my nerve with this kind of st2pid statement. How can you prove that problematic marriages are a result of getting bank loan, no, how could you say that in the first place. What exactly did your teacher taught you about critical thinking????? nf:
So, for all fresh graduates..please plan yourself... now. you won't regret it..
On its own, this is a sensible advise.
if you are planning to get married in
3-5 years.. perfect! all unit trust also is a medium to long time investment. 3-5 years... in 5 years from now, you can
take out the money. and get married!
InsyaAllah
See.. that is why.. fresh graduate need to invest now...please look for a good agent in a good unit trust to manage
you money..see your nearest clients ASAP!
But this is necessarily not!
[ Last edited by MACD at 24-9-2005 04:26 PM ] |
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Originally posted by sany48 at 24-9-2005 03:27 PM
Assalamualaikum,
I am a new trust consultant with SBB..no doubt about it...but I am very helpful...like to share with any people in here.. whether you are going to invest or not..that is secondary...and I am smart too..by just a few clicks.. I can reach potential clients everywhere in Malaysia as long as they open this forum..
Great! Why dont you write a book about it?
My question.. what is so wrong about it? Am I committing a sin just to share my 5% knowledge about unit trust with everyone here?
Ohhh my friend, no there is nothing wrong about it. Did I said it wrongly? I'm sorry because I did not mean that!
Selling is a good job. Maybe I should just qualify myself by relating to my experience on salespeople. Have you ever get someone coming to you asking to buy their products (buku cerita bermuzik ke perfurmed-crayon color ke...whatever)? How do they approach you? Do they first introduce themselves and try to connect with their potential customers? If they do, then you can tell that they are not newbies. But if they don't, save your money to perhaps the other guy.  Connecting to potential customers is one of the powerful techniques that should be executed by salespeople. After you connect, you ask and find out how you could offer anything to solve their problems, make them feels better and etc. Many newbies just shove the benefits of their products into the potential customers' throats and the next thing you know is the potential customers will walk away from them...:cry:
That, based on my readings and observations, is how you can differentiate a newbie from an experience one
[ Last edited by MACD at 24-9-2005 04:24 PM ] |
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Originally posted by MACD at 24-9-2005 03:46 PM
Somehow your answer does not impress me. Either you are too lazy or you're just afraid to open a can of worms. If you think I am stupid then you are dead wrong. Under which regulation that SC pro ...
Assalamualiakum/Hi,
Up to you to do whatever you wanna do.. Like I have told you earlier...please do some homework.. do not expect to get if just like that.. once you can find on your own...you will appreciate it more.. it is not a matter whether I am lazy or not.. but I did mention.. just surf to the internet www.sbbmutual2u.com ..not only you can know about the performance..you get the whole master prospectus on line..you will know a lot of things about SBB Mutual Berhad..what is so difficult about it..
Another things is that..I did also have some secrets which I can't publish to the net. But if you are unit trust agent from SBB, you can come and see me.. I can show everything...
Yes I am scared...who knows it might have against the SC..but yet I should also be carefully enough.. of some enemies within SBB or even outside SBB.. coz like the old saying says "Rambut sama hitam, hati lain2"
Look Mr/Ms. MACD.. I am not looking for trouble here..... coz I am not a troublemaker.. I am a trouble shooter..whether I am impress you or not.. it is up for you to decide..and I have never undermine people capability.. esp you..but I dunno who you really are...
So, can you let us know here...who are you... if you a real salesman.. just share with us anything you know... the way I can see it.. you like to comment most of the time...which are very easy...this is no good.!.this is bad.!.this wrong.. do not do this.. do not do that.... at one time, a speaker says ' In order for you to succeed, do not come with so many rules".
Regards,
Sany
[ Last edited by sany48 at 25-9-2005 06:16 PM ] |
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MACD wrote:
Personally, I think Malays are comfortable with the return that ASB or Bank Rakyat has to offer. I myself am not comfortable with unit trust especially the charges / fees. If I want to put my money into equity market, I will go straight directly into the Bursa Malaysia. Why do I have to pay 1.5% for annual fee, 6.5% for initial charge and perhaps x% for selling charge? I dont need to do that by investing in Bursa Malaysia. Hi,
The difference between unit trust and shares in Bursa
Well..let me approach in a few ways (Actually it the same answer I have posted in another thread - The same person whom come up with the question...)
1st Approach- Time to monitor
Let say you are a full time employee of a company..and have RM1000.00 cash in hand.
If Bursa Malaysia if you buy from blue chips counter ..let say TELEKOM at RM10.00 per unit, you will get 1000.00 . My question is..will you be able to monitor it all day long? Do you have enough capabities to analyse the market? Please remember you are the Manager of the company.with 10 or more people to manage.. can you afford to do that?
For unit trust, again.. you money is managed by professional Fund Managers..and TRUSTEE..these people are paid to look after your money.. their merit is base on performance..so they MUST perform.. but you don't expect this people to work and perform for free, right? then...let us go to the next one..
2nd Approach
In Bursa, there are also some charges...Of course you TELEKOM will impose some entry and exit charge whenever there is a transsations
Let say for RM1000.00 investment, you will charge like 0.75% per entry for brokerage fee..plus exit fee whenever you wanna sell... that is fair..nobody question it..
Iin unit trust, let say if you have RM1000.00, your money is invested in not only once single counter..do not be surprise your money also contributed to Bond - if you invest in Dana AlMizan (Even minimum investment is RM 5 mil)
Now, if you invest in Dana Al-Ihsan, your money will be invested into (Base on Fund Fact Sheet, May 2005)
1. MISC 8.80%
2. Maxis(4.43%
3. Digi 3.89%
4. Transmile 3.55%
5. Scomi 3.37% TOP 5 HOLDINGS
6.
7.
8.
9.
10. etc - Total 100%
So you might be asking how on earth you would be able to do that?
Well, there are another 10,000 people who are investing like you do.. now the funds, it become
1,000 x 10,000 = 10,000,000 .00
With these funds, the fund is diversified into 12 counters..
If you use the same charge applied in Bursa, it means that 0.75 x 12= 9%
Whereas Unit trust fund / Dana AlIhsan only charge you 6.5% + 1.5% annual fee = 8% (That is it-no hidden
charge, no exit charge)
As a result, investing in unit trust is much more economical as compared to normal counter in Bursa
3rd Approach
Since you have more than 12 counters invested in, it will actually balance up you profit because not all the shares will
do own..some go up....
But if you invest in Bursa, with that kinda money.. let say in Telekom, you will expose yourself to one single share.. so it igoes up.you make profit.. it goes down, you can say anything...
MORALE of the story
It is better to invest in unit trust than share in Bursa. Unit trust offer less risk, diversify in investment, less monitoring in ur side., etc
But if you still want to invest in Bursa, JUST DO IT! |
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Originally posted by sany48 at 24-9-2005 03:20 PM
Assalamualaikum,
There are 6 ways to invest in unit trust.. EPF scheme is one of them....you may invest thru
i i. Single Sum Investment Plan/CASH (Individual/Corporate)
...
Dude... I baru keje 4 thn..... kalau keje as CEO, duit dlm acc 1 dah cukup ler..... ni kuli org ajer..... insyallah 3 thn lagi dapatlah..... so far, my conclusion for UT ni not that positive.... Tapi dr dok biar epf kita yg bagi 4-5% lately, I plan nak masukkan duit I tu dlm UT bila sampai masanya...... NO need to rush... my principal in investment "buat benda yg kita tahu"..... And setakat yg I tahu skang ni, I akan penuhkan ASB dulu....
Anyway, SBB you tu ada tak indeks tracker utk syariah punyer..... Because apa yg I nampak skang ni, this kind of fund yg boleh buat conclusion I trehadap UT ni positif..... If any, please let me know... |
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Originally posted by sany48 at 24-9-2005 03:13 PM
Andak,
Cool! When can I come and meet you? I am not promoting unit trust to you.. every unit trust agent has his/her own way of DESCRIBING what is unit trust.. I do have my own way...if yo ...
Hi sany....
4 wifes??? are u kidding... i dont even have 1..
nasi ayam business is only my part timer... i do have permanent job like you... I work for people and also got people work for me... we have GOAL to achieve... we have to plan our life...
I will give u a call.... maybe we have something in common.... at least we can meet new friend but remember, our intention must be clear... as u say, nak berkat..... |
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best baca korang semua punya posting... |
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Just nak share some info...
I called LTH to get some info on their tract record on previous bonus... The figure are: 2000 (5.5%), 2001 (3.25%), 2002(3.5%), 2003(4.0%), 2004(4.3%). Not really facinating...
Since ASB/ASN is not my favour, Bank Rakyat dah close, UT kira dah cukup (% of investment), ada idea mana lagi nak invest but base on syariah?? Any ideas my friend?? |
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Originally posted by sany48 at 24-9-2005 06:12 PM
Up to you to do whatever you wanna do.. Like I have told you earlier...please do some homework.. do not expect to get if just like that.. once you can find on your own...you will appreciate it more.. it is not a matter whether I am lazy or not.. but I did mention.. just surf to the internet www.sbbmutual2u.com ..not only you can know about the performance..you get the whole master prospectus on line..you will know a lot of things about SBB Mutual Berhad..what is so difficult about it..
Honestly, I really think it funny that you dont want to go extra miles to provide us the list. I'd imagine you would do that if your UT products are really good.
Another things is that..I did also have some secrets which I can't publish to the net. But if you are unit trust agent from SBB, you can come and see me.. I can show everything...
I am not asking how much did you make last month in commission. I was just asking your 3-year and 5-year performances / returns and the total costs incurred to keep our investment during that period. There's nothing secret about it. Why cant you just be transparent about it.
Yes I am scared...who knows it might have against the SC..but yet I should also be carefully enough.. of some enemies within SBB or even outside SBB.. coz like the old saying says "Rambut sama hitam, hati lain2"
Did you just watch some scary movies recently? Really, I dont understand this enemy stuff you are talking about. We are all here in this thread to help and learn from each others on how to manage our money. So tell me, who is this enemy of yours ? Putting our money in ASB and Bank Rakyat?
Look Mr/Ms. MACD.. I am not looking for trouble here..... coz I am not a troublemaker.. I am a trouble shooter..whether I am impress you or not.. it is up for you to decide..and I have never undermine people capability.. esp you..but I dunno who you really are...
So, can you let us know here...who are you... if you a real salesman.. just share with us anything you know... the way I can see it.. you like to comment most of the time...which are very easy...this is no good.!.this is bad.!.this wrong.. do not do this.. do not do that.... at one time, a speaker says ' In order for you to succeed, do not come with so many rules".
Well thats just me. I am not so merciful with someone who like to take advantage on others' lack of knowledge for his or her own benefits. That includes scrupulous MLM, insurance and UT agents who are interested only in enriching themselves. Don't get me wrong. I am not referring to anyone in particular. I know there are good agents who really wanted to help others by giving the right advices and not hiding or omit any information to their potential customers. They can answer all questions and address any of our concerns. I respect these people. They are not newbies. They have been in the industry for so long on permenant basis. I have to be brutally honest with you by sharing what financial gurus have to say when you want to select an agent - choose a full time agent who have been in the industry for at least three years. That way I wont get any st2pid answer for my request. |
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uMi fAiRoZ iN dA hOuSe <[email protected]> wrote:
Assalamualaikum...
I really interested with your discussions here...Nak tanyer dulu...If let say I have extra cash of RM5,000, can I invest in the unit trust? How much would be the return if let say in 10 year time.
Thank you so much......
Walaikumsalam,
It is good to hear that you are interested once.. I hope it can be maintained..I do have got so many replies ..just sooo interested like you do....but their interests does not last long enough.. blown by the wind....I am wondering why..hahahahah...sometimes it was like chipsmore..now you see.. now you don't..
Before answering your question, let me clarify you a few things though. This is to ensure you understand quite a bit before investing. I do not plan to mislead any of my clients "Dulu, Kini, Dan Selamanya".
So,
1. Unit trust is a medium to long term invest which can be translated into 3-5 years. There is no such a short-term
invest. That is the different between unit trust and counters in Bursa Malaysia.
2. All agents are advice not to predict what is the future dividen as a lot of things might be considered. For this
calculation, I have used 2004 as my base calculation.
3. We have more than 26 funds in SBB (2 more to come), so the dividen varies from one to another. But, I have
classified them into Conventional and Islamic Funds which the AVERAGE dividens range of 10-30% and 10-20%
respectively. For this calculation, I have taken 12% an example (medium).
4. The moment your invest in unit trust, you will deducted with certain initial charge (one-time-charge only). But the
10-20% or 10-30% is calculated after the initial charge has been deducted in advance.
5. For unit trust there are some risk as compared to others because some of the funds are exposed to Bursa Malaysia
(But you can still choose others if you do want). We say "High risk high return".
I have done some comparisons for you to see with some other investment vehicles as well.
if you invest RM5000.00 for the next 10 years, your total money will be as below,
- Unit trust, RM15,529.24 (210.58%)
- EPF, RM 7,952.62 ( 59.02%)
- Fixed Deposit (FD), RM 7,401.22 ( 48.02%)
- ASB RM11,836.82 (136.74%)
- Saving Acc, RM 6719.58 ( 34.39%)
- Tabung Haji, RM7,764.85 ( 55.30%)
I myself, has invested RM6000.00 in advance for next 20 years. (The only cash money I save so far...)
Thanks.
Sany |
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Andak wrote:
Hi sany....
4 wifes??? are u kidding... i dont even have 1..
Yeap.. you have so much money.. by having 3-4 different UT agent.. if you can be fair...you are allowed to have 4 wives.. you can help other unfortunate women out there too..
nasi ayam business is only my part timer... i do have permanent job like you... I work for people and also got people work for me... we have GOAL to achieve... we have to plan our life...
What else business you got.. what sort of other plan do you have.. like to share with us too here?
I will give u a call.... maybe we have something in common.... at least we can meet new friend but remember, our intention must be clear... as u say, nak berkat.....
Yeap.. Andak. Let's be friend.. But if you are willing to invest with me just because I am your friend.. just forget it. I won't accept it..not a UT agent and A client......I like to get a client whom really understand what is this UT all about. the risk. the expected returns.. the time horizon...available. so we might just as well be new friends..
Sany |
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pearl_eye This user has been deleted
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Thank you mr MACD sbb paham situasi saya yg baru start keja ni. tak perlu saya nak terangkan panjang2 lg =D
Hari ni hari gaji. dah tgk thru maybank2u. duit dah masuk. n my 1st potongan utk ASB pon company dah buat. tinggal la dlm 1.2k je duit saya.. haritu ade bincang dgn my bf pasal simpanan duit ni. based on cd Azizi Ali tu, saya kena ada emergency fund 3 bulan gaji. jadi nak kena ade 6k dlm simpanan (based on current salary). jadi dia kata better for me to save rm600 sebulan so in 10 months time dah cukup 6k n lepas tu bole teruskan ngan planning simpanan yg lain. lama nye rasa 10 bulan!! bole kira short term goal ke tu?
kalau la bole simpan 1k sebulan kan best. tp i still have responsibility over my family. oo ya..duit mkn bulan depan maybe bole la simpan kot sbb bulan puasa kan.sebelum ape2 SELAMAT MENYAMBUT BULAN RAMADAN & SELAMAT BERPUASA!
ok sambung.
saya setuju pasal menjaga harta benda esp hp, laptop n car yg forumers kita bincangkan b4 this. please please n please jaga sungguh2 barang2 mcm tu. bila benda2 ni hilang or rosak, mmg financial planning kita utk bulan/tahun tu akan terganggu. setakat ni alhamdulillah saya tak pernah hilang hp or laptop or even my purse/handbag..mintak jauh. tp ade la 2 3 kali poket me n my bf 'koyak' sbb membaiki kereta. 2 kali my dad's car n sekali his mom's. total duit yg kitorang kena keluarkan ade la nak dekat rm1000. tp masa tu student lg..duit biasiswa masing2 ade..so bayar guna duit tu la n kena ikat perut. mmg terasa la impact accident tu..bukan dr segi fizikal tp financially.
saya nak tanya..what do you think of my way in budgeting. saya selalu buat bajet lebih sikit dr ape yg saya akan pakai. cthnye
1. kalau nak keluar jln2 n i know that i will use around rm30 for mkn n movies..saya akan genapkan bajet jd rm50.
2. bill hp kurang dr rm100 saya akan genapkan bajet jd rm100
normally utk perbelanjaan yg tak fix. n bila ade lebihan2 dr perbelanjaan tu, duit tu saya akan buat duit beli jajan/benda2 mkn yg tak penting cth burger, ice cream etc. n also utk coverup balik mana2 yg terlebih bajet.
do u think it is a good way of budgeting or not?
TQ |
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Originally posted by Andak at 26-9-2005 05:03 PM
Just nak share some info...
I called LTH to get some info on their tract record on previous bonus... The figure are: 2000 (5.5%), 2001 (3.25%), 2002(3.5%), 2003(4.0%), 2004(4.3%). Not really fac ...
Andak,
LTH = Lembaga Tabung Haji right?
Let us assume it is ..
There are a lot of funds in UT which is 100% syariah.....SBB.= 9, PB = 4.. Hwang DB2 = 2.., etc
Since you mentioned about LTH.. could you still remember there was a case where, a receptionist, 24 was brought to court. She unvoluntarily withdrew money from a LTH account for RM 1.4M. The client was 27.. a women.. congratulations for the woman though...at the age of below 30.. managed to be a millionaire...
Well.. what I am trying to tell you here.. it is good to save the money in LTH. LTH is founded to make sure that Malays muslim will be able to save the money partially. Once the money hit certain much, they will be able to perform Haj..Alhamdullillaih. a lot of people have benefited from it..
Currently, it you like to perform to Haj.. you need to have like RM10,000 ++ . so if a couple need to go, they gotta have like RM20,000++ in advance..I would say, they need to have another RM5000.00 to buy some souveners.. stuff like that..
Looking at the earlier scenario.. this young womah lost RM 1.4M due to forgery..I bet she must have at least another RM 1.6M in the account. Now it becomes RM 3 million.
My question is... are she aware of the dividen given by the LTH..
Let say,
If it is 5.5%/2000 (LTH) 3,000,000 x 5.5% = RM 165,000.00
If it is 15% (Amanah Bank Rakyat) 3,000,000 x 15% = RM 450,000.00 (Too bad it is closed now)
If it is 8-12%min,
make it 10%,avg (UT) 3,000,000 x 10% = RM300,000.00
Now, if she invest in Bank Rakyat, annually she will get RM285,000.00 extra..
if she invest in UT, annually she will get RM135,000.00
With this amount of extra money, she could sponsor 13-28 people to perform Haj for free. Do you think it is a generous thing to do.. well.. all these 3 investment vehicles also are 100% Islamic...not only she can help lotsa people, but also will be blessed by Allah as if she perform 28 times Haj
Morale of the story:
1. Saving in LTH is just good to perform Haj... so just make it enough for you. It is a good investment vehicle..
2. To save the money in LTH, because of the Islamic, is relevant for the last 10 year. Not it is no longer relevant.
There are a lot of investment vehicles which can give you more returns.
3. We cannot blame on the government if we get less return in LTH.. Government thru Security Commission, Bank
Negara and Islamic Panel advisorr have approved so many 100% Islamic institutions to look after your money and
give the return more.
4. It is just individual choice now.. LIFE IS ALL ABOUT CHOICE...
Regards,
Sany |
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Yup Sany, u r right... LTH is Lembaga Tabung Haji... as i said, the return is not that great... The reasons i call LTH is to get that info... so i can make some comparisons as i thought to invest some in them.. As u said, its good for our preparation for Haj but not so good as investment vehicles, i fully agreed...
Thats why, i request for any other investment vehicles as i think my investment in UT is enough. I want to diversify... i think i should go more in properties, as what Azizi Ali did... maybe i should buy more properties...
Another point is, we had financial crisis in 87 and 97.. Will it happens again in 2007?? Will the cycle come back?? It is only 2 years from now... With the oil price keep on increasing, wont it possible?? What should we do then??? |
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Originally posted by Andak at 27-9-2005 04:05 PM
Yup Sany, u r right... LTH is Lembaga Tabung Haji... as i said, the return is not that great... The reasons i call LTH is to get that info... so i can make some comparisons as i thought to invest s ...
Andak,
How much do you think you like to diversify your investment? May I know...if you don't mind.
Another things, whenever I approach some of my clients., they always mention about that.. I ask my superior once. He mentions that when 1997, our economy esp KLSI like 1300++.. we were at the optiomun.. that was why we were hit so bad... As of now, our BURSA index is like 900++.. so even there is a problem with economy downturn.. we will not be hit so hard..but we must be ready..at any time...
But quite often I tell my clients, "Kalau kita dengar kilat sabung-menyabung dilangit.. jangan la kita dah curah air dari tempayan". Pada dasarnya it is just a speculation. Something that we will never know...so just beat it!
Sany
[ Last edited by sany48 at 27-9-2005 06:13 PM ] |
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Originally posted by pearl_eye at 27-9-2005 02:44 PM
Thank you mr MACD sbb paham situasi saya yg baru start keja ni. tak perlu saya nak terangkan panjang2 lg =D
Hi Pearl.
You are most welcome. As I am about your age & profile, I think I can relate and understand you better than anyone who is slightly more senior. Anyway, we must always open our mind and learn from them because they have gone through good and bad experiences in managing their money and learnt how to best handle those situations.
Hari ni hari gaji. dah tgk thru maybank2u. duit dah masuk. n my 1st potongan utk ASB pon company dah buat. tinggal la dlm 1.2k je duit saya.. haritu ade bincang dgn my bf pasal simpanan duit ni. based on cd Azizi Ali tu, saya kena ada emergency fund 3 bulan gaji. jadi nak kena ade 6k dlm simpanan (based on current salary). jadi dia kata better for me to save rm600 sebulan so in 10 months time dah cukup 6k n lepas tu bole teruskan ngan planning simpanan yg lain. lama nye rasa 10 bulan!! bole kira short term goal ke tu?
I have a good news for you. You dont have to wait until 10 months to fill up your emergency fund, it take less than that. The idea of having emergency fund is to give you protection while you are unemployed so that you can continue with your current standard of living while looking for another job. Based on the information provided, you only need RM1.2k monthly instead of RM2k. If you could compromise with your current standard of living in the event of unforeseen retrenchment (not likely for you I hope), you need even less than RM1.2k. So, in total you will need about RM1.2K * 3 months = RM3.6k in your emergency fund. And with your current rate of savings (RM600 per month right?), you will need only 6 months to achieve that.
kalau la bole simpan 1k sebulan kan best. tp i still have responsibility over my family. oo ya..duit mkn bulan depan maybe bole la simpan kot sbb bulan puasa kan.sebelum ape2 SELAMAT MENYAMBUT BULAN RAMADAN & SELAMAT BERPUASA!
Haha are you sure about that? People tend to spend more in Ramadan. Tak percaya cuba you rekod your spending and compare it over non-Ramadhan month. Buka puasa nak beli byk food, then nak beli kuih raya lagi, baju raya, the list goes on....So be careful ya. Oh before I forget, you better have some savings - nak kena bagi duit raya sekali tau nanti...:lol
ok sambung.
saya setuju pasal menjaga harta benda esp hp, laptop n car yg forumers kita bincangkan b4 this. please please n please jaga sungguh2 barang2 mcm tu. bila benda2 ni hilang or rosak, mmg financial planning kita utk bulan/tahun tu akan terganggu. setakat ni alhamdulillah saya tak pernah hilang hp or laptop or even my purse/handbag..mintak jauh. tp ade la 2 3 kali poket me n my bf 'koyak' sbb membaiki kereta. 2 kali my dad's car n sekali his mom's. total duit yg kitorang kena keluarkan ade la nak dekat rm1000. tp masa tu student lg..duit biasiswa masing2 ade..so bayar guna duit tu la n kena ikat perut. mmg terasa la impact accident tu..bukan dr segi fizikal tp financially.
I like your last sentence there. Yeah the impact might have not been felt physically or emotionaly, but financially it will have an impact on you.
saya nak tanya..what do you think of my way in budgeting. saya selalu buat bajet lebih sikit dr ape yg saya akan pakai. cthnye
1. kalau nak keluar jln2 n i know that i will use around rm30 for mkn n movies..saya akan genapkan bajet jd rm50.
2. bill hp kurang dr rm100 saya akan genapkan bajet jd rm100
normally utk perbelanjaan yg tak fix. n bila ade lebihan2 dr perbelanjaan tu, duit tu saya akan buat duit beli jajan/benda2 mkn yg tak penting cth burger, ice cream etc. n also utk coverup balik mana2 yg terlebih bajet.
do u think it is a good way of budgeting or not?
Personally I dont have any preference on how I should do my budgeting. My philosophy on this (though it might not be the best) is that as long as I have first save a fixed amount of money into ASB, then I dont care how should I spent it. Asalkan jangan korek dari tabung ASB balik sudah. I did some budgetting when I started working but am increaslingly realize that it wont create any value for my money. You may want to differ with me on this. I just spent my money on what I really need (yeah I am not a fan of you buying jajan and burger just to make sure you spend your budgetted money 100%) and trust me most of the time the best things in life are free.
P/S: Do not forget to set aside 5% of your total income to education. You can use this budget to buy books or attending seminars though I think the former is more cost efficient. |
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Originally posted by pearl_eye at 27-9-2005 02:44 PM
Thank you mr MACD sbb paham situasi saya yg baru start keja ni. tak perlu saya nak terangkan panjang2 lg =D
Hari ni hari gaji. dah tgk thru maybank2u. duit dah masuk. n my 1st potongan utk ASB pon ...
aku dulu masa mula kerja byk buat major financial mistake. untunglah you all sedar awal2 lagi. zaman you all start keja buku Azizi Ali pun diterbitkan. masa aku dulu bukannya tak ada buku self improvement, tapi gaya penyampaiannya tak berkesan & tak relate dgn suasana msia, so mcm tak ada feel.
mistake pertama yg aku buat masa mula2 kerja ialah beli keta satria. bila dah kawin terpaksa jual keta tu sebab tak muat bonet nak isi barang, lagi pun dua pintu tak convenient for family. mistake seterusnya ialah bikin sound system sampai habis RM3000. lepas tu tukar sport rim baru, make up keta. beribu abis. maklumlah darah muda. lepas tu beli life insurance from one insurance agent yg diperkenalkan oleh my own housemate. memang dah tolak, tapi mamat ni hari2 datang ketuk pintu rumah, selagi tak ambik continue call & pushing. last2 aku beli, dah byr dalam setahun aku quit sebab budget selalu lari, duit pun burn...gone with the wind.
but ppl learn from mistake. bila aku kawin (masa tu my wife an auditor in audit firm) aku learn a lot from my wife. dia guna ENVELOPE METHOD/sistem SAMPUL utk belanjawan bulanan dia. actually aku dah pernah baca tentang sistem ni dlm satu magazine tapi tak realize keberkesanannya dlm mengontrol personal budget. ENVELOPE METHOD ni ialah kita keluarkan semua gaji kita & mesti asing2kan dlm sampul berdasarkan apa payment yg kita nak buat.
Contoh caranya ialah kita ambil sepuluh sampul surat (....tak semestinya sepuluh, ikutlah berapa kategori perbelanjaan kita) dan tulis jenis2 perbelanjaan bulanan kita atas setiap sampul tu. Tiap kali dapat gaji mesti dikeluarkan semua sekali gus dan asingkan dlm sampul. jangan sesekali biar duit gaji duduk dlm wallet, for sure secara diluar sedar kita akan terbelanja, dan lepas tu purak-purak heran duit cepat habis.
Contoh SISTEM SAMPUL. Perlu dingatkan bahawa 10% SAVING anda tak termasuk dlm list di bawah sebab memang sudah deducted at source to avoid getting the money in your hands. So tulis setiap jenis perbelanjaan atas sampul dan asingkan duit gaji siap2 dlm sampul. :
CONTOH2 perbelanjaan yg kita tulis atas sampul berasingan.
Installment keta
Loan rumah
Maintainance Apartment
MAKAN(belanja dapur)
credit card
AIR
API
TELEFON RUMAH
Handphone
Parents
FUEL/TOL
Duit Poket
Meaning semua gaji kita sudah diasing2kan dlm sampul. Yg masih tinggal dlm wallet cuma dari sampul 'Duit Poket' yg kita keluarkan dari sampul sedikit demi sedikit ikut keperluan, bukan sekali gus, sebab lagi byk cash dlm wallet lagi senang utk terbelanja.
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Sany,
Of course thats speculating, anything we dont know, we speculate... but better be carefull, in case its come back... if it doesn't, then its good for everybody... but as they say, anything goes up will come down...
Aku baru baca buku investment in property by Azizi Ali... makes a lots of sense... rugi sebab baru baca coz ada bagi tips about being millionares landlord... banyak aku sedar tang kesilapan being landlord, especially tenants aku yang cam siot sekarang ni... pepun, bulan 11 ni ada workshop dia about being Millionares Landlord... jomlah join.. |
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Category: Belia & Informasi
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Post time 24-9-2005 03:27 PM
Author
