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mr_brown

Reply 36# aarie

aku still rasa sedih tak angkat MHB IPO tahun lepas.....

missdirector

1. Settle hutang terus ---> kita tak tau bila kita dipanggil ilahi
@ invest in one investment scheme yang boleh dikembangkan dan make sure kalau kita mati semua RM tu diguna utk bayar hutang tu dulu. ( Wasiatkan )

2. Beli property ( rumah / apartment ) ----> boleh dapatkan untung dari sewa. Jangan invest semua sebab aset tak cair n risiko lain ada jgk ( bencana alam, dsb) + ada liabiliti tersembunyi ( repair / cukai / dan sebagainya).

3. Masuk sikit dalam ASB. - Aset Cair

4. Invest in physical Gold sikit.

5. Simpan sikit in Unit Trust ---> Aset Cair ---> choose beberapa fund. jangan ambik satu je. Ada mcm2 fund untuk dipilih. ( Commodities, FD, Money Market, Big Companies dan sebagainya )

Diverse your investment. Be Safe

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MsIda

mcm my father, before dia pencen dia beli rumah price RMxyz, at the same time dkt tangan pon ada cas ...
jentayujingga Post at 4-4-2011 17:59

Wanted to do the same coz baru beli condo for RM385K
Cash ada tapi dalam asb, so ingat dividen asb boleh cover payment + sewa condo itself (RM1800-RM2000)
Tapi tak sure dapat bank loan tak sebab dah tak kerja lagi + ccris anak not gud(apply 2 nama dengan anak)
Dah apply 5 bank , satu bank dah reject..huhuhu sbb ccriss anak tak cantik.
Kalau x dpt bnk loan terpaksalah pakai cash... terasa mcm rugi pulak

Same scenario cam tt, ada cash in hand
If im tt, I'll invest the money in asb , bank rakyat, etc ... low risk investment
Dividen dia can  pay off yr debts earlier

ruffleen

1. Settle hutang terus ---> kita tak tau bila kita dipanggil ilahi
@ invest in one investment scheme yang boleh dikembangkan dan make sure kalau kita mati semua RM tu diguna utk bayar hutang tu dulu. ( Wasiatkan )
missdirector Post at 7-7-2011 23:32

setuju

sribayu

i have  a question abt selesaikan hutang dulu.

bila kita beli rumah atau ambik personal loan, kita di wajibkan mengambil insuran nyawa supaya bila kita mati sebelum selesai bayar balik hutang, insuran nyawa tadi akan membayar on our behalf. Betul ke? kalau betul, perlu ke kita selesaikan hutang secepat mungkin sebelum waktu nya?

chaintea

jap2 MRTA tu bukan utk cover hutang ke if anything happen to peminjam..ini utk housing loan
je la..bukan utang kereta

merujuk pd website ini http://www.propertick.com/article/what-is-mrta
Mortgage Reducing Term Assurance (MRTA) is also frequently referred to Mortgage Life Insurance. MRTA helps you settle your housing loan in the event something happens to you.

Although many people don't like talking about it, disability, illness or death can occur any time. MRTA will cover the unpaid portion of your loan if this happens. It gives you peace of mind and protects your family from losing a home. It provides coverage even during the construction period. The premium is reasonable, and it can even be financed by your bank.

liyanur

banyak betul ilmu aku dapat dlm tred ni.....
syok juga lepak bod ekonomi.....

dari aku yg pestaim masuk.....

aarie

Reply  aarie

aku still rasa sedih tak angkat MHB IPO tahun lepas.....
mr_brown Post at 18-6-2011 23:15

wakakaka... Bumi Armada angkat tak?....

kalau tak angkat........ lagi sedihhhhhhhhh.....

HerSheys

banyak ilmu dpt kat sini... apsal la 2 bulan lepas aku xsentuh thread ni.. tp nasib baik segalanye masih selamat

asian

Thanx sbb ade thread nie...informative sgt.

lurve82

i have  a question abt selesaikan hutang dulu.

bila kita beli rumah atau ambik personal loan, ki ...
sribayu Post at 21-7-2011 09:40

yup..jika meninggal dunia insurans akan cover..sama ada separuh atau semua...tengok la berapa insurans anda...jika tidak ada insurans itu yang akan menyusahkan ramai pihak...mungkin penama kedua etc...

alfredfx

Step 1: Settle personal loan (60k)
Step 2: Purchase the house (80k)
Step 3: Balance (50k)
if you are aggressive, buy 50% malaysia equity fund and 50% asiapac fund
if you are conservative, buy balance fund

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