Dividen ASB Masuk Setiap Awal Tahun

Ada yang tanya saya “ASBF ni kalau buat teknik compounding ke Hybrid lebih baik ?”

Ok, Jom tengok contoh di bawah

Sijil : RM100,000
Interest : 5.0%
Tenure : 30Tahun
Dividen : 7%
Monthly : RM536.82
Yearly : RM6,441.84

Teknik Compounding

Tahun 1

Dividen : RM100,000 x 7%=RM7,000

Tahun 2

Bayar ASBF RM100,000 seperti biasa

Awal tahun ke 3 jual sijil anda

Dividen daripada RM7,000 : RM7,000 x 7%=RM490
Dividen : RM100,000 x 7%=RM7,000
Principal : RM3,026.17

Jumlah yang anda akan dapat selepas tamatkan sijil :
RM7,000+RM490+RM7,000+RM3,026.17= RM 17,516.17

Teknik Hybrid

Tahun 1

Dividen : RM100,000 x 7%=RM7,000

Guna RM6,441.84 untuk bayar sijil pertama selama setahun

Baki RM7,000 – RM6,441.84 = RM558.16 biarkan compounding

Tahun 2

Mohon Sijil kedua RM100,000 dan bayar seperti biasa kerana sijil pertama telah dibiayai oleh dividen nya sendiri

Awal tahun ke 3 jual sijil anda

Dividen daripada RM558.16: RM558.16×7%=RM39.07
Dividen Tahun ke 2 : RM200,000 x 7%=RM14,000
Principal Sijil 1 : RM3,026.17
Principal Sijil 2 : RM1,475.35

Jumlah yang anda akan dapat selepas tamatkan sijil :
RM558.16 + RM39.07 + RM14,000 + RM3,026.17 + RM1,475.35 = RM19,098.75

Nampak tak mana lagi untung ?

Hybrid adalah teknik yang menggunakan kuasa sijil tapi kekalkan modal yang sama

Ok dah pikir nak guna teknik mana satu ?

Hubungi perunding yang terdekat.

RALAT : Post ini tidak mewakili mana-mana pihak dan sekadar berkongsi ilmu sahaja


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