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Sume investment ada RISIKO..depends on our risk tolerance level..then tgk objective kita, nak simpan utk berapa lama..bila kita perlukan duit tuu..keuntungan duit tu apa tujuannya..Kita bole minimize risk dgn diversify..
Kalau utk emergency fund, letak la di tempat yg selamat eg. saving account/fix deposit/investment-linked
Kalau utk retirement plan, eg. EPF sumbat la dlm UT..sbb high return, walaupun masuk dlm Bon..
Kalau utk Mother Goose..masuk dlm ASB..then breed many mother geese..
Strategy ni based aku punya motive & financial strength..so masing2 ada cita rasa snediri..
Rule of thumb..SIMPAN dulu..BELANJA kemudian..berjimat! InsyaAllah slamat..
Good Luck |
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mmm... kite nak tanya la pendapat korang semua.. let say kite nak menyimpan rm 150.00 sebulan.. simpan nie tetap la... insyaallah  ...kite cadang nak masuk kan dalam asb rm 100.00 pastu nak masukkan rm 50 dlm kwsp (caruman sendiri).. agaknya2 nyer ok tak atau nak sumbat semua dalam asb ?... |
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Reply #962 hiriko's post
aku nak tanya sat...
Ko keja sendiri ke..?
pasal nak sumbat 50 kat KWSP sendiri..?
asalkan ko buat saving kat ASB (yakni asas/basic simpanan yg terjamin)
itu dah cukup baik...tak kira la berapa pun ko saving kat ASB...
Tiap MELAYU patut ada akaun ASB.....
Paham dak ni..? |
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Reply #962 hiriko's post
aku nak tanya sat...
Ko keja sendiri ke..?
pasal nak sumbat 50 kat KWSP sendiri..?
asalkan ko buat saving kat ASB (yakni asas/basic simpanan yg terjamin)
itu dah cukup baik...tak kira la berapa pun ko saving kat ASB...
Tiap MELAYU patut ada akaun ASB.....
Paham dak ni..? |
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Aku tak walaupun aku melayu aku invest dlm unit trust gak... sebab tu aku galakkan melayu invest dlm unit trust |
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sudh2la tu edy........ |
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What makes millionaires different?
Millionaires do several things we don抰 do, but should be doing.
Here are a couple of key things you should be doing.
1.Educate yrself about money.
Learn as much as you can about eliminating debt, saving, and investing by reading books, going to seminars, on the internet, etc.
2.Learn to recognize opportunities to make money.
Always on the lookout for new business opportunities.
3. Buy assets, not liabilities.
An asset puts money in your pocket, a liability takes money out of your pocket. Liabilities, not only do they go down in value the minute you take possession, they cost money to maintain.
A mutual fund, eg Public Mutual unit trust, a rental property are assets as they put money in your pocket.
4. Delay Satisfaction
Most of us do not know how to delay satisfaction. They want things now and are willing to get into debt to get it. The rich will wait to get things or will buy assets that generate income so they can buy the things they want. The rich don抰 get into debt.
5. Network with other successful people
Money and assets may come and go through the whims of lady luck, however the reservoir of contacts you build up during your lifetime can be a priceless commodity.
6. Share what you know and help others achieve the same level of success
Not only do you get to help others, but you never know who you'll meet who can help you in future. What goes around definitely comes around!
In conclusion, make it a point to follow the above and you too can become a millionaire. |
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Reply #955 koko2's post
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kije gomen... makan gaji daa.. kiter tgk org cina selalu wat penambahan epf melalui caruman sendiri.... |
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ada ker org cina tambah dlm epf ?.. ko agak aje kot... setahu aku dari invest dalam EPF baik invest ASB or unit trust.. dah tepu duit dlm epf tu |
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Originally posted by koko2 at 3-10-2007 02:37 PM 
aku nak tanya sat...
Ko keja sendiri ke..?
pasal nak sumbat 50 kat KWSP sendiri..?
asalkan ko buat saving kat ASB (yakni asas/basic simpanan yg terjamin)
itu dah cukup baik...tak kira la ...
nie yg buat i sedih nie...
i blom ada ASB lagi.
Tapi i ada simpanan kat sini yg lebih kurang mcm ASB jugak. |
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hi i baru lagi kat sini tapi i ingin mencelah
Originally posted by frapamocha at 4-10-2007 01:00 AM
[What makes millionaires different?
Millionaires do several things we don抰 do, but should be doing.
Here are a couple of key things you should be doing.
1.Educate yrself about money.
Learn as much as you can about eliminating debt, saving, and investing by reading books, going to seminars, on the internet, etc.
2.Learn to recognize opportunities to make money.
Always on the lookout for new business opportunities.
3. Buy assets, not liabilities.
An asset puts money in your pocket, a liability takes money out of your pocket. Liabilities, not only do they go down in value the minute you take possession, they cost money to maintain.
A mutual fund, eg Public Mutual unit trust, a rental property are assets as they put money in your pocket.
4. Delay Satisfaction
Most of us do not know how to delay satisfaction. They want things now and are willing to get into debt to get it. The rich will wait to get things or will buy assets that generate income so they can buy the things they want. The rich don抰 get into debt.
5. Network with other successful people
Money and assets may come and go through the whims of lady luck, however the reservoir of contacts you build up during your lifetime can be a priceless commodity.
6. Share what you know and help others achieve the same level of success
Not only do you get to help others, but you never know who you'll meet who can help you in future. What goes around definitely comes around!
In conclusion, make it a point to follow the above and you too can become a millionaire.
i think ramai lagi masih lagi belajar bab2 kat atas nie.
i think semua org belajar mcmana nak eliminate debts first. sbb kalau ada debts kita sukar nak buat apa kita ndak. secondly about simpanan. nie susah sket sbb bukan semua org ada displin nak menyimpan. kalau ada displin, shouldnt be a problem, kalau tak menyimpan... memang melayang la duit.
contacts? nie susah sikit, bukan semua org boleh nak bergaul dgn pelbagai lapisan. tapi kalau ada peluang keemasan why not kan.
[ Last edited by eva at 4-10-2007 10:52 PM ] |
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tak kira thread tajuk apa.......penuh ngan nak iklan produk masing2.... |
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[quote]Originally posted by frapamocha at 4-10-2007 01:00 AM 
What makes millionaires different?
Millionaires do several things we don抰 do, but should be doing.
Here are a couple of key things you should be doing.
1.Educate yrself about money.
Learn as much as you can about eliminating debt, saving, and investing by reading books, going to seminars, on the internet, etc.
2.Learn to recognize opportunities to make money.
Always on the lookout for new business opportunities.
3. Buy assets, not liabilities.
An asset puts money in your pocket, a liability takes money out of your pocket. Liabilities, not only do they go down in value the minute you take possession, they cost money to maintain.
A mutual fund, eg Public Mutual unit trust, a rental property are assets as they put money in your pocket.
--------------------------------------------------------------------------------------------------------------------
Wakaka........
cth Public Mutual UT tu ko la yg highlight kan..?
Tak salah kalo nak PROMOTE produk sendiri....
Tapi berpijak la di bumi nyata....
Bahawa.....
ASB jugak salah satu drp UT @ Unit AMANAH SAHAM...
dan Unit Amanah ASB ni tidak dipengaruhi oleh sebarang BENCANA EKONOMI...
Sebarang perbezaan dlm nilai UT ASB (aku guna UT sbb korang dok sebok promote UT)
adalah ditanggung oleh kerajaan....(akibat dari bencana ekonomi jika adaaa)
Tetapi...
Sebarang perbezaan dlm UT selain dari UT ASB akibat dari bencana ekons adalah
ditanggung oleh pelabur...
Jadinya...PENUHkan/ADAkan dulu basic saving yg tetap...kalo dah tau RM tu tak bykkk mana
[ Last edited by koko2 at 5-10-2007 09:27 AM ] |
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Tgklah sampi bila kerajaan nak tanggung org melayu mcm kau en koko |
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woiittt!!! tak habis2 lagi ke isu UT vs ASB ni ?? 
ni thread utk wang simpanan......bukannya nak kondem produk2 pesaing |
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duit masing2 punyer kan !! terpulang le nak simpan / melabur kat mana2 pun.
dapatkan info lengkap tentang satu2 produk sebelum ambil langkah utk menyimpan.
TAK PERLU nak kondem produk2 pesaing tu |
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hmm..cuba korang senaraikan pro & contra P.M vs ASB? |
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provokasi?? |
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Category: Belia & Informasi
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Post time 3-10-2007 11:12 AM
