Bagi mereka yang memiliki simpanan persaraan KW5P, majoriti pencarum samada pernah dengar atau tahu tentang akaun 1 KW5P boleh dilaburkan ke unit amanah. Skim ini membolehkan ahli memindahkan sebahagian simpanan akaun 1 untuk membuat pelaburan bagi menambah dan meningkatkan simpanan persaraan untuk menyara kehidupan semasa persaraan.
Tetapi, sejauh mana kah kefahaman rakyat Malaysia tentang skim pelaburan ahli yang dibenarkan KW5P ni? Hakikatnya ramai rakyat Malaysia yang salah faham atau tak faham langsung tentang skim KW5P unit amanah ni. Berikut merupakan Top 5 perkara yang sering disalahfaham oleh pencarum KW5P:
❎ Salah Faham 1: “KW5P saya dah guna untuk bayar rumah, PTPTN dan lain-lain.”
✅Fakta Sebenar: Ramai orang salah faham antara akaun 1 dan akaun 2 KW5P. Bila kita mula mencarum dalam KW5P, duit caruman akan terus dibahagi kepada akaun 1 & akaun 2. 70% untuk akaun 1 & 30% untuk akaun 2. Akaun yang memboleh ahli membuat pengeluaran untuk deposit/bayaran bulanan rumah, perubatan, pendidikan dan umur 50 tahun adalah AKAUN 2. AKAUN 1 pula, hanya boleh dikeluarkan pada umur 55 atau untuk melabur dalam Unit Amanah. Oleh itu, sebarang pelaburan anda ke unit amanah menggunakan Akaun 1 KW5P, langsung TIDAK mengganggu pengeluaran anda melalui akaun 2 KW5P.
❎ Salah Faham 2: “Duit KW5P saya habis nanti kalau asyik invest Unit Trust je”
✅Fakta Sebenar: Mengikut rule KW5P, ahli hanya boleh melaburkan simpanan tidak boleh melebihi 30% daripada jumlah yang melebihi Simpanan Asas dalam akaun 1 melalui syarikat Unit Amanah yang dilantik. Jika anda layak melabur sehingga umur 55 tahun sekalipun, jumlah akaun 1 KW5P anda tidak akan kurang dari RM228,000 pada umur 55 tahun seperti dalam jadual Simpanan Asas KW5P. Dan jumlah itu akan naik jika pihak KW5P menaikkan lagi jumlah dalam jadual Simpanan Asas KW5P tersebut di masa hadapan. Oleh itu, adalah mustahil duit simpanan KW5P anda akan habis jika melabur dalam Unit Amanah.
❎ Salah Faham 3: “Bila invest Unit Amanah, maka boleh la saya gunakan dividen/keuntungan/duit yang dipindahkan dari akaun 1 KW5P tersebut.”
✅Fakta Sebenar: Setiap pelaburan ke Unit Amanah menggunakan akaun 1 KW5P wajib mengikut terma & syarat yang sama seperti Akaun 1 KW5P. Dah nama pun melabur guna duit KW5P, maka konsep dan syarat2nya juga haruslah mengikut syarat2 dalam KW5P. Jika pihak KW5P menetapkan ahli hanya boleh gunakan duit Akaun 1 pada umur 55, maka pelaburan yg dibuat ke Unit Amanah melalui akaun 1 KW5P juga hanya boleh dikeluarkan pada umur 55.
❎ Salah Faham 4: “Setiap dividen/keuntungan yang dapat dari pelaburan Unit Amanah akan masuk semula ke dalam Akaun 1 KW5P?”
✅Fakta Sebenar: Sebaik sahaja dipindahkan ke dalam Unit Amanah dari Akaun 1 KW5P, setiap dividen/keuntungan dari Unit Amanah tidak akan masuk semula ke dalam Akaun 1 KW5P. Setiap kali mendapat dividen/keuntungan dalam Unit Amanah, duit tersebut akan maintain dan reinvest semula dalam akaun Unit Amanah tersebut. Duit yang dah dipindahkan ke Unit Amanah akan mendapat dividen/keuntungan mengikut dana Unit Amanah yg dimasukkan, manakala selebih yang tinggal dalam akaun 1 akan mengikut jumlah dividen yg diberikan KW5P.
❎ Salah Faham 5: “Habislah duit KW5P saya jika penyedia dana Unit Amanah jatuh bangkrap atau muflis”
✅Fakta Sebenar: Tahukah anda, apabila anda melabur di unit amanah, anda dijamin oleh Bank Negara Malaysia dan Suruhanjaya Sekuriti? Malah jika anda melabur di unit trust patuh syariah, ia dijamin patuh syariah oleh para penasihat syariah yang bertauliah. Dalam unit amanah, setiap dana pilihan pelabur mempunyai TRUSTEE ataupun pemegang amanah yang bertanggungjawab untuk menjaga aset-aset sesuatu fund itu. Trustee ini merupakan satu entiti yg dilantik oleh Suruhanjaya Sekuriti (SC) untuk memastikan penyedia dana mengikut syarat-syarat yang ditetapkan semasa prospektus dikemukakan kepada bakal pelabur. Setiap perubahan yang ingin dilakukan perlulah mendapat kelulusan dari TRUSTEE dan juga pelabur-pelabur. Jadi tak perlulah anda risau akan pelaburan anda sekiranya institusi dana unit amanah anda mengalami masalah. Sepanjang penubuhan Unit Amanah, tak pernah lagi ade orang hilang duit sebab invest dalam unit amanah. Paling kuat pun penyedia dana unit amanah tu tukar nama atau diambil alih bank lain , sebagai contoh pelabur unit amanah dari zaman Southern Bank kemudian merge dgn Bumiputera Commerce sampailah CIMB bank sekarang ni, pelaburan mereka masih selamat. Malah, pihak KW5P semestinya tidak akan membenarkan pencarum melaburkan duit persaraan mereka sewenang2nya jika mereka tidak yakin akan keselamatan dan kekukuhan penyedia dana unit amanah yang dilantik.
🔷 Kesimpulannya, sebelum membuat apa2 jenis pelaburan, yang pertama sekali perlu ada matlamat yang jelas untuk apa pelaburan itu. Sebab pelaburan tanpa matlamat atau suke2 nak try memang takkan pergi jauh. Kalau pelaburan tu untuk persaraan, plan betul2 untk persaraan. Yang kedua, mesti kena ada ilmu. Dan ilmu tu mst la dtg dr hasil research atau sumber yg betul, bukan dr dgr2 gossip jiran sebelah rumah atau rakan office yg bukan datang dr bidang yg berkenaan.
🔷 Tak pernah tahu boleh invest guna akaun 1 KW5P? PM saya segera untuk settkan janjitemu anda.jom 2018 kita rancang untuk double or triplekan simpanan perasaan anda. Happy Investing😉
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