Bicara tips kewangan harian

Archive for the ‘Islamic Unit Trust’ Category

Tahniah kerana anda suka menyimpan wang.

Kini, saya ingin bertanya dimanakah anda menyimpan wang anda? Soalan kedua pula, mengapa anda menyimpan?  Sudah tentu anda sendiri mempunyai jawapannya.

Namun yang paling kurang disedari oleh orang ramai adalah akan kadar pulangan instrumen simpanan tersebut. Seperti yang Dave Ramsey katakan:

A savings without a mission is a rubbish

Saya pasti anda mempunyai misi tersendiri, samalah seperti saya. Jadi takkan anda hendak lepaskan peluang untuk menyimpan ke dalam instrumen yang memberi pulangan rendah. Bahkan, inflasi sendiri membuatkan dividen yang anda terima semakin kurang nilainya ( atau mungkin tiada nilainya) terhadap simpanan anda.

Secara perbandingannya, Dana Islam Unit Amanah mempunyai potensi keuntungan antara 10-%-15% setahun. Jadi, bayangkan jika inflasi adalah 8%, anda masih mempunyai keuntungan.

Bayangkan jika duit anda disimpan dalam Fixed Deposit yang memberi kadar pulangan terkini 3.75%, lihat anda tidak untung apa-apa pon.

Dan secara perbandingan antara instrumen simpanan lain…

ASB memberi pulangan purata 8% setahun

KWSP memberi pulangan 5.8% tahun 2007

Tabung Haji memberi pulangan 7% tahun 2007

Mengapa Dana Islam Unit Amanah menjadi pilihan saya?

Bukan sahaja kerana ia berpotensi memberi pulangan yang tinggi, pastinya kerana ia dilaburkan di tempat-tempat halal mengikut shariah islam. Sudah pasti ia tidak dilaburkan di medan perjudian, arak atau sebagainya. Dana Islam juga diuruskan oleh Pengurus Dana yang professional. Wang pelaburan para pelabur dikawal oleh Pemegang Amanah yang dilantik seperti Amanah Raya Berhad. Kini Dana Islam turut menjadi pilihan pelabur bukan Islam kerana potensi pulangannya.

Terdapat banyak Dana Islam yang ditawarkan oleh PM seperti PCIF, PIttikal, PIOGF, PAIF, PIOF dan lain-lain lagi. Jadi saya ingin mencadangkan anda membuat pelaburan di dalam Dana Islam Unit Amanah untuk simpanan masa depan. Public Mutual juga akan melancarkan 2 Dana Islam yang juga boleh dilaburkan melalui KWSP tidak lama lagi. Jadi, jangan tunggu lagi. Semak penyata anda sekarang, dan hubungi saya 013-3413040


Advertisements

This is a very quick review on Dave’s tool in his TMM:

Baby step 1: Save approximate RM250 (in the book is US1,000) for your emergency fund. It should be saved in most liquid account like the normal savings account so that we could use it during emergency like when car need repair, etc. Pls note that Hari Raya is not emergency okey.

Baby step 2: Start the Debt snowball. It’s not complicated, but it’s difficult. It requires us to list down our debts and start attacking the debt with smallest to largest so as to have some quick wins. I really love this principle.

Baby Step 3: Finish the emergency fund. A fully funded emergency fund covers 3-6 months of expenses. So, we would have enough money in 3-6 months if we lost our income.

Baby step 4: Invest 15% of your income in Retirement. You tool is Mutual Fund. He suggested to invest in Growth -stock mutual funds for long term. Growth-stock mutual funds are lousy short term investment because they go up and down in value, but they are excellent long terms investments when we are leaving the money longer than 5 years. He choosed mutual fund that have a good track record winning for more than 5 yrs, preferably 10 yrs. He didn’t took 1-3 years because he thinks long term.  He also spread the retirement investment ie: 25% Growth and income, 25% Growth, 25% International, 25% Aggressive growth.

Baby step 5: Invest for college funding. Make sure the Kids are fit too. Dave said we need to do some reasearch on the cost of attending college. Find out the college costs today and predict the costs when our kid is abut to enter the college let say in 10 years time. Stay away from loans; make plan to avoid borrowing. If you have scholarship, go! The first rule will be always pay cash for the kids college fee.

Baby step 6: Pay off your home mortage. You mortage term should be only 15 years duration. It is the best.

Baby step 7: Build wealth. Why we build wealth? The reasons is to have FUN, INVEST and GIVE.

Money Myths(MM) #2

Myth: Debt consolidation saves interest, and you have one smaller payment.

Truth: Debt consolidation is dangerous because you treat only the symptom.

Shocking Stats (SS) #2

Shocking stats : 49% American could cover less than one month’s expenses if they lost their income

My TMM progress

1- Starting last week, I’ve stopped made payment by Credit Card. All payment made by cash and Maybank Debit Card.

2- Today,  we just have a big shopping: 1) RM2000 invest in PISTF 2) RM2000 invest in PIDF. 3) While hubby invest in RM1,600 in PIDF.

3- To get rid off my two credits card: Maybank & Citibank. My Hubby is the lucky one. he don’t own any Credit Card

I was listening to Radio 24 yesterday, while driving back home yesterday. The DJ said something that really caught my attention. Some investors says that “ Bursa Malaysia is like having Mega Sales right now”. The market price is down and therefore, some investors taking this opportunity to buy more shares. I also found one article that I cannot recall the source right now. What Warrant Buffet does when market is in turmoil? He replied, “ Just smile and buy”