Baru Sah Jawatan Tetap Kerja Kerajaan

Bagi pekerja sektor awam (Kakitangan Kerajaan) yang baru mendapat pengesahan jawatan tetap, mereka bagaikan mendapat durian runtuh. Ini kerana mereka boleh mengeluarkan duit KWSP yang dicarum sebelum ini.

Awas. Jangan rambang mata bila dapat duit yang berpuluh-puluh ribu. Pastikan disimpan di tempat yang memberikan pulangan yang tinggi. Salah satu tempat yang sesuai adalah di ASB. Ini kerana simpanan di ASB hampir tiada risiko.

Terdapat 2 cara simpanan di ASB iaitu secara tunai atau secara sijil.

1. Simpanan Secara Tunai:

Andaikata anda menyimpan tunai RM25,200 di dalam ASB. Dengan purata dividen sebanyak 6.75%. Hasil terkompoun simpanan dan dividen selepas 5 tahun adalah sebanyak RM34933. Memberikan keuntungan sebanyak RM9733.

Pokok: RM25,200.
Keuntungan: RM9,733.
Hasil: RM34,933.

2. Simpanan melalui sijil ASB.

Dengan modal RM25,200 anda boleh memiliki sijil ASB RM400K (2 sijil bernilai RM200k). Gunakan teknik rolling dividen untuk membayar kos sijil setiap bulan. Jika purata dividen ASB ialah 6.75% setiap tahun, hasil selepas 5 tahun ialah RM67,940 (Setiap sijil memberikan hasil RM33,970).

Pokok: RM25,200.
Keuntungan: RM 42,740
Hasil: RM67,940.

Rumusan:
Kedua-dua cara simpanan tetap memberikan keuntungan. Tetapi dengan kaedah yang berbeza, hasil simpanan juga berbeza. Jika ada sedikit ilmu kewangan, kita dapat memaksimumkan keuntungan walaupun disimpan di tempat yang sama dengan modal yang sama. Hasilnya, jauh berbeza.

Penafian: Segala teknik dan tips yang dikongsikan adalah berdasarkan pengalaman dan kajian Penulis Zulhanif secara peribadi untuk meningkatkan keuntungan pelaburan ASB. Tidak ada kaitan dengan amalan mana-mana bank atau syarikat.

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