5 Jenis Pengurusan Kewangan Bijak


Menurut Robert Kyosaki ada 5 jenis Financial IQ.


Kunci ini biasanya ramai boleh buat, boleh buat partime, atau bisnes, atau trading Forex, atau saham pun.

Ini jenis Financial IQ pertama.


Benda ini susah sikit, ambil basic menyimpan. Berapa ramai orang boleh buat simpanan? Ramai yang habiskan semua kerana expenses yang tinggi.

Jadi nak buat simpanan satu hal, satu hal lagi ialah ada je masalah.

Tayar kena ganti, kereta pandai pulak rosak, itu ini.

Dan tak kira pulak, Cukai dari kerajaan lagi, kalau tinggi pendapatan, maka tinggilah cukai korang.

Ini sama mindset masa trading,

Jangan lebur modal, itu kunci utama.

Selagi ada modal selagi tu boleh buat semula.


Ini maksudnya ialah, tadi saya ada sentuh hal menyimpan.

Selain menyimpan, berapa banyak korang laburkan semula untuk dapatkan lebihan duit secara bulanan dan tahunan.

Paling basic, ada tak masukkan dalam ASB ke apa ke?

Dan masa sama ada tak buat profit tambahan daripada trading yang paling selamat korang boleh trade.

Contohnya 5% sebulan? x 12 bulan = 60% setahun.

Akaun nak bedal, kamikaze tu korang pilih sendiri.


Ini contoh paling mudah, tapi tak boleh berapa boleh buat pun kebanyakan. Bukan tak boleh buat 100%, tapi tak tahu macam mana nak buat.

Konsep mudah ialah, nak tambahkan return dalam setahun.

Mereka yang financial IQ lebih tinggi, akan fikirkan nak dapatkan lebih return setahun.
Bukan sekadar 50% malah lebih.

Tapi jangan mengarut sangat nak trading cara high risk.

Tapi ada pelbagai cara, contohnya ialah gunakan konsep sistematik trading, konsep diversify porfolio , masukkan juga ke stock, CFD, hedge fund, ASB , Fix Deposit , dan lain lain.


Maksudnya ialah, korang kena spend masa belajar dan terus belajar pasal duit nie, pasal nak simpan dan selamatkan duit, pasal nak kembangkan duit lagi banyak.

Kena jadi expert dalam pengurusan kewangan korang.

Jangan harapkan IB ke, Financial Planner ke, ye korang sendiri kena kuatkan foundation kewangan nie.

Gero Ftt

Sekarang ini banyak jumpa orang sikit, nak tengok dan plan 2019. Nak increase financial Info.

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