Hanya Bermodalkan RM3,283 Setahun, Dapat Menghasilkan Dana Pendidikan Anak Hampir Mencecah RM40,000.

Sekarang ni tengah HOT pasal isu PTPTN. Ramai yang gembira sebab kerajaan baru hilangkan beban bayaran PTPTN walaupun hanya sementara. Bagi fresh graduate yang baru mendapat pekerjaan dengan gaji yang cukup-cukup makan untuk hidup di kotaraya, pasti ia satu yang sangat bermakna.

✅ Isu utama sekarang kerana rata-rata kenaikan gaji tahunan fresh graduate sekarang adalah lebih rendah daripada kenaikan kos hidup. Jadinya, nak survive hidup pun susah, apatah lagi nak membantu mak ayah dan keluarga. Ada yang terpaksa kahwin lambat sebab tak dapat nak kumpul duit, apatah lagi nak membeli rumah.

🎯Mahukah perkara yang sama berlaku kepada anak-anak kita nanti?

🎯Bayangkan jika kenaikan kos hidup setiap tahun seperti sekarang dibandingkan dengan kenaikan gaji yang rendah, mampukah mereka nak survive hidup?

✅ Bagi mengurangkan beban anak-anak nanti, lebih baik kita sebagai ibu-bapa membuat persiapan awal untuk anak-anak. Jangan terlalu bergantung kepada PTPTN, nanti anak-anak kita akan mulakan hidup dengan hutang puluhan ribu.

✅Sediakanlah BIASISWA FAM untuk anak-anak anda. Jadi mereka tak perlu nak membuat pinjaman PTPTN untuk melanjutkan pelajaran.


FAM adalah singkatan daripada perkataan “Father and Mother”. Yess!! Ibu-bapa prihatin kena sediakan dana pendidikan untuk anak-anak. Tapi janganlah guna cara biasa. Kita kena bijak dan memilih cara luar biasa.


Untuk mewujudkan BFAM, ibu bapa perlu mengeluarkan sedikit modal permulaan. Sama juga seperti mewujudkan tabung SSPN untuk anak. Tapi cara mewujudkan dana BFAM memerlukan ilmu dan strategi yang betul.

Strategi BFAM:

✔ Step 1;
Ibu atau bapa mohon ASB Financing RM50K. Ikat tempoh pembiayaan 30 tahun. Dengan kadar keuntungan bank 5.0%, bayaran bulanan adalah sebanyak RM268.

✔ Step 2;
Bayaran secara konsisten RM268 selama 12 bulan. Modal: 268×12= RM3220 (Dibundarkan)

✔ Step 3;
Selepas setahun andai dividen ASB yang diperoleh adalah 7.25%, maka dapatlah cash sebanyak RM3625.

✔ Step 4;
Pada bulan ke 13, keluarkan dividen sebanyak RM3220 dan buat bayaran lump sum untuk setahun. Setel bayaran tahun kedua. Baki RM405 tinggalkan dalam ASB.

✔ Step 5;
Ulang step 4 sehingga cukup 18 tahun.

✅ Hasilnya: Selepas 18 tahun, jumlah simpanan terkumpul adalah sebanyak;
Dividen Terkumpul RM17,324
Principal Terkumpul RM20,979
Jumlah: RM38,303

✅ Modal yang ibu bapa perlu keluarkan hanyalah RM3220 + RM63 yuran proses.

Ya, hanya bermodalkan RM3,283 dapat menghasilkan dana pendidikan anak hampir mencecah RM40,000.

🎯 Jadi, anak anak anda tak perlulah nak meminjam PTPTN lagi untuk sambung belajar. Kalau anak tak minat nak sambung belajar, boleh sumbangkan duit tersebut untuk dia buat modal bisnes. So peluang untuk anak anak berjaya di masa hadapan adalah lebih cerah.

🎯 Kalau ada bajet lebih, buatlah lebih. Bina tabung pendidikan untuk setiap orang anak.

🎯 Katakan ada empat orang anak, setiap orang anak diperuntukkan ASBF RM50K untuk dana pendidikan. Ibu bapa hanya perlu menyimpan modal sendiri setahun sahaja untuk setiap anak. Jadi hanya perlu menyimpan RM268 sebulan selama 4 tahun sahaja. Selepas 18 tahun usia setiap sijil, dana pendidikan anak yang dibina berpotensi mencecah hampir RM160,000.

🎯 Jadi bertindaklah sekarang !

Jika ada sebarang pertanyaan, boleh whatsapp saya.


✅ Tolong share jika bermanfaat.

Pengiraan adalah berdasarkan dividen 7.25% dan kadar keuntungan bank 5.0%. Hasil sebenar mungkin berbeza.

#TabungPendidikanAnak #TabungPendidikan #Keluarga #Anak #Pendidikan #HartanahWilayah #TakafulKeluarga

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