Cara Guna Akaun 1 KWSP untuk Pelaburan, Kumpul Modal Beli Rumah

Ramai kenalan saya yang bertanya bagaimana nak melaburkan modal mereka  dalam Unit Trust atau Unit Amanah ini. Tapi cabaran yang paling utama adalah tiada simpanan khas untuk digunakan sebagai pelaburan di Unit Trust.

Kini masalah tersebut dapat diselesaikan sekirannya anda menggunakan Akaun 1 KWSP, tanpa modal cash di tangan mahupun di bank. Berikut saya mengambil beberapa petikan dari majalah labur yang dapat dijadikan panduan berguna.

Syarat Pengeluaran Akaun 1 Untuk Pelaburan Unit Trust

  1. Mulai 1 Januari 2017, ahli boleh melaburkan simpanan di bawah Skim Pengeluaran Ahli (SPA) tidak melebihi 30% daripada jumlah simpanan yang melebihi Simpanan Asas dalam Akaun 1 (Sebelum ini tidak melebihi 20%)
  2. Pelaburan mesti dibuat menerusi Institusi Pengurusan Dana (IPD)yang dilantik.
  3. Jumlah minimum pelaburan ialah RM1,000.00.
  4. Syarat-syarat am prosedur di bawah SPA yang lain masih kekal dan tidak berubah
  5. Pelaburan ini boleh dibuat setiap 3 bulan selepas tarikh pelaburan sebelumnya.

Formula Pengiraan

Kalau nak tahu sama ada kita layak untuk melaburkan wang KWSP, dan berapa jumlah maksimum yang boleh dilaburka; formulanya adalah seperti berikut:

(Akaun 1 – Jumlah Simpanan Asas) x 30% = Jumlah maksimum yang boleh dilaburkan

Kalau nak tahu berapa jumlah dalam Akaun 1, boleh tanya melalui pejabat KWSP atau layari laman web rasmi mereka. Jumlah Simpanan Asas pula adalah seperti dalam jadual yang ditetapkan di bawah.

Jumlah Simpanan Asas adalah satu jumlah simpanan dalam Akaun 1 yang ditetapkan mengikut umur. Ia bertujuan untuk melindungi ahlinya supaya dapat membiayai keperluan asas persaraan sebelum membuat pengeluaran.

Jumlah Simpanan Asas yang ditetapkan oleh KWSP adalah seperti berikut:

Umur
(Tahun)
Simpanan Asas
(RM)
Umur (Tahun) Simpanan Asas
(RM)
18 1,000 37 60,000
19 3,000 38 66,000
20 5,000 39 72,000
21 6,000 40 78,000
22 8,000 41 85,000
23 10,000 42 92,000
24 12,000 43 100,000
25 14,000 44 108,000
26 17,000 45 116,000
27 20,000 46 125,000
28 23,000 47 134,000
29 26,000 48 144,000
30 29,000 49 154,000
31 33,000 50 165,000
32 37,000 51 176,000
33 41,000 52 188,000
34 45,000 53 201,000
35 50,000 54 214,000
36 55,000 55 228,000

Contoh Pengiraan

Contoh 1: Encik Azman berusia 22 tahun yang mempunyai simpanan RM 9,000 dalam Akaun 1 KWSP.

Kalau rujuk pada jadual di atas, Jumlah Simpanan Asas yang dia perlu ada dalam akaun adalah RM 8,000.

Jadi, kalau kita gunakan formula tadi:

(Akaun 1 – *Jumlah Simpanan Asas) x 30% = Jumlah maksimum yang boleh dilaburkan

(RM 9,000 – RM8,000) x 30% = RM300

Seperti yang ditetapkan dalam syarat di atas, jumlah minimum untuk pelaburan adalah RM1,000. Maka, Encik Azman tidak layak untuk melabur unit trust menggunakan Akaun 1 KWSP.

Contoh 2: Puan Dalila berusia 30 tahun dan mempunyai simpanan RM40,000 dalam Akaun 1 KWSP.

Menggunakan formula yang sama,

(RM 40,000 – RM29,000) x 30% = RM3,300

Jadi, mengikut perkiraan ini Puan Dalila layak untuk membuat pengeluaran. Jumlah maksimum yang boleh dikeluarkan untuk tujuan pelaburan ini adalah RM 3,300 dan RM1,000 adalah jumlah minimum.

Guna Duit KWSP Untuk Melabur, Ada Risiko Tak?

Setiap pelaburan pasti ada risikonya.

Ini bermaksud, kita perlu membuat research dan mengetahui serba sedikit tentang prestasi kewangan sesebuah syarikat sebelum membuat pelaburan. Melalui I-Akaun KWSP juga, kita boleh membuat penilaian dana-dana yang boleh dilaburkan melalui KWSP beserta prestasi mereka.

Tentulah ada dana pelaburan unit trust yang lebih menguntungkan berbanding KWSP dan mencatatkan pulangan yang amat memberangsangkan. Tetapi melalui sebuah laporan akhbar tempatan bertarikh Mei 2016, hanya 20% daripada pelabur yang untung apabila melaburkan wang KWSP ke dalam unit trust. 80% lagi? Dapat pulangan yang lebih rendah atau hanya balik modal.

Kenyataan yang dibuat oleh CEO KWSP ini menggesa pelabur agar mengetahui selok-belok dalam pelaburan sebelum membuat pengeluaran. Kalau nak tahu ada dana unit trust yang mencatatkan pulangan sehingga 30% dalam masa setahun pada 2015.

Siapa Yang Sesuai Melabur Dalam Unit Trust?

  1. Ibu bapa yang mempunyai anak bagi simpanan pendidikan anak-anak.
  2. Anak muda yang plan untuk kahwin lagi 5 tahun ke atas.
  3. Anak muda yang plan beli rumah lagi 5 tahun ke atas.
  4. Kakitangan kerajaan yang nak menyimpan untuk persaraan selain pencen. Wang pencen boleh digunakan sebagai gaji bulanan selepas bersara manakala duit dalam akaun persaraan unit trust boleh digunakan untuk belanja besar selepas bersara seperti kenduri kahwin anak, belanja haji dan sebagainya.

Ramai pakar kewangan juga menasihatkan agar pelabur tidak bergantung kepada satu dana unit trust semata-mata. Sebaliknya, ia boleh dipelbagaikan ke dalam beberapa dana, dari beberapa syarikat yang diyakini.

Oleh itu, jangan sekadar ikut-ikut orang dan terpengaruh dengan ejen-ejen unit trust tanpa membuat pembacaan yang menyeluruh terlebih dahulu.

klik untuk mendaftar kelayakan Unit Amanah atau ASB ini:

 

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