ASBF: Teknik Compounding atau Rolling Dividen, Yang Mana Lagi Baik ?

Dalam pelaburan Amanah Saham Bumiputera Financing (ASBF) Ramai yang tertanya-tanya, teknik mana yang lebih baik sama ada teknik compounding atau rolling dividen. Jom kita kupas satu persatu.

Pengiraan seterusnya adalah berdasarkan keuntungan bank 5% dan dividen ASB 7.25%. Kiraan hasil simpanan selama 5 tahun.

Hasil sebenar mungkin berbeza.

Contoh:
ASB Financing RM100,000
Kadar keuntungan bank: 5%
Tempoh pembiayaan 30 tahun.
Tanpa takaful.
Bayaran bulanan RM537
Bayaran Tahunan RM6,444

1) TEKNIK COMPOUNDING

Teknik compounding memerlukan simpanan secara konsisten selama 5 tahun (60 bulan) sebanyak RM537. Jumlah simpanan RM537x60 = RM 32,220.

Hasil simpanan:

Dengan modal permulaan RM100,000 dan dibiarkan dividen berkembang selama 5 tahun tanpa diusik dengan kadar 7.25% setahun, jumlah dividen terkumpul adalah sebanyak RM41,900.

Manakala jumlah principal yang sudah dibayar kepada bank adalah sebanyak RM 100,000 (nilai sijil) – RM 91,828 (Baki Hutang) = RM 8,172.

Jadi jumlah simpanan terkumpul = RM 41,900 + RM 8,172 = RM 50,072

2) TEKNIK ROLLING DIVIDEN

Teknik rolling dividen pula memerlukan modal simpanan selama setahun sahaja iaitu sebanyak RM6,444. Modal ini boleh menggunakan simpanan tunai sedia ada atau pun melakukan bayaran setiap bulan RM537 selama setahun sahaja (12 bulan). Bermula bulan ke 13, bayaran bulanan dibayar menggunakan dividen yang diperoleh untuk tahun pertama.

Hasil simpanan:

Tahun 1.

Jika dividen diumumkan sebanyak 7.25% maka pelabur akan mendapat tunai sebanyak RM7250. Ambil RM6444 untuk bayar ansuran tahun kedua. Baki RM806 simpan di dalam ASB.

Tahun 2.

Jika dividen diumumkan sebanyak 7.25% maka pelabur akan mendapat tunai sebanyak RM7250. Ambil RM6444 untuk bayar ansuran tahun ketiga. Baki RM806 simpan di dalam ASB.

Tahun 3.

Jika dividen diumumkan sebanyak 7.25% maka pelabur akan mendapat tunai sebanyak RM7250. Ambil RM6444 untuk bayar ansuran tahun keempat. Baki RM806 simpan di dalam ASB.

Tahun 4.

Jika dividen diumumkan sebanyak 7.25% maka pelabur akan mendapat tunai sebanyak RM7250. Ambil RM6444 untuk bayar ansuran tahun kelima. Baki RM806 simpan di dalam ASB.

Tahun 5.

Jika dividen diumumkan sebanyak 7.25% maka pelabur akan mendapat tunai sebanyak RM7250. Tidak perlu bayar ansuran tahun keenam kerana gameplan hanya untuk 5 tahun.

Jumlah dividen terkumpul = RM806 + RM806 + RM806 + RM806 +RM7,250 = RM 10,474

Manakala jumlah principal yang sudah dibayar kepada bank adalah sebanyak RM 100,000 (nilai sijil) – RM 91,828 (Baki Hutang) = RM 8,172

Jumlah simpanan = RM 10,474 + RM 8,172 = RM18,646

PERBANDINGAN

Teknik Compounding:
Modal RM32,220;
Hasil RM50,072

Teknik Rolling Dividen:
Modal RM6,444;
Hasil RM RM18,646

Dari segi hasil, teknik compounding memberikan hasil yang lebih lumayan. Tetapi modal yang dikeluarkan juga adalah tinggi.

Dari segi peratus keuntungan, teknik rolling dividen memberikan pulangan yang lebih tinggi. Namun disebabkan modal yang kecil, hasil simpanan juga kecil.

Macam mana nak dapatkan peratus keuntungan yang tinggi dan jumlah simpanan yang banyak ?

Jawapan: Kalau mampu simpan konsisten RM537 selama 60 bulan, buatlah Teknik Hybrid. Teknik Hybrid adalah gabungan kedua-dua teknik Compounding dan Rolling Dividen.

3) TEKNIK HYBRID

Pada tahun pertama, Apply ASBF 100K. Guna teknik rolling dividen selama 5 tahun sama seperti cara di atas. Modal RM6,444.

Hasil bagi sijil pertama adalah sebanyak RM18,646  (seperti di atas).

Pada tahun kedua, Apply ASBF 100K sijil kedua. Jangan risau, komitmen bulanan tetap RM537 kerana sijil pertama dibayar menggunakan dividen. Kita hanya perlu bayar sijil kedua sahaja menggunakan duit gaji. Guna teknik compounding selama 4 tahun. Modal RM537x48 = RM25,776.

Hasil:

Dividen: RM32,300
Prinsipal: RM100,000 (Nilai sijil) – RM93,630 (Baki hutang) = RM6,370
Jumlah: RM 32,300 + RM 6,370 = RM 38,670

Jumlah keseluruhan kedua-dua sijil:

Modal:
RM6,444 + RM25,776 = RM32,220

Hasil:
RM18,646 + RM38,670 = RM57,316

Modal yang sama dengan Teknik Compounding iaitu RM32,220, tetapi memberikan hasil RM57,316 iaitu sebanyak RM7,244 lebih tinggi berbanding Teknik Compounding.

So, Teknik Hybrid adalah lebih baik bagi mereka yang mampu menyimpan secara konsisten !

Melaburlah dengan ilmu

Untuk pertanyaan lanjut, boleh hubungi 0133360161

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