Modal Ada RM 50,000. Bagaimana Untuk Kembangkan Duit Supaya Lebih Banyak. – Diversify Technique

Berkat dari berniaga dan kumpul duit dari lebihan gaji selepas kahwin, Alhamdulillah berjaya kumpul modal sebanyak RM 50,000 (RM 50K). Persoalannya, macam mana caranya untuk saya membiakkan duit supaya berkembang dengan lebih subur dan cepat ?

Ini Jawapannya:

Jika kita ada RM50K simpanan di dalam ASB, jika dibiarkan selama 5 tahun hasil yang diperoleh sekiranya dividen setiap tahun 6.75% ialah RM69,312. Bertambah sebanyak RM19,312.

Untuk membiakkan duit dengan subur dan cepat, kita boleh diversify pelaburan atau simpanan. Contohnya dengan cara mengagihkan simpanan ke beberapa tabung. Kaedah diversify bukan saja dapat menambah keuntungan, malah dapat mengurangkan risiko. Bak kata pepatah orang Kedah “Dont put all the eggs in one basket“. Kalau jatuh basket tersebut, pecahlah semua telurnya.

Daripada RM 50K tersebut, asingkan kepada beberapa tabung.

1. RM 12,600 – ASBF
2. RM 10,000 – Unit Trust
3. RM 12,600 – ASB2F
4. RM 14,800 – Tabung Haji (Emergency Fund)

Hasil selepas 5 tahun:

1. ASBF 200K.
Modal RM12600.
Guna teknik rolling dividen. Jika dividen ASB kekal 6.75%, hasilnya
= RM33,970.

2. Unit trust.
Dengan modal RM10,000, jika purata pulangan unit trust 10% setahun, hasilnya
= RM16,100.

3. ASB2F RM200K
Modal RM12600.
Guna teknik rolling dividen. Jika dividen ASB2 kekal pada 6.50%, hasilnya
= RM31,470.

4. Tabung Haji
Jika purata pulangan TH 5% setahun, hasil simpanan RM14,800 selepas 5 tahun
= RM18,890.

Hasil keseluruhan = 33,970+16,100+31,470+18,890
= RM100,430.

Keuntungan = RM100,430 – RM50,000
= RM50,430. Lebih dari 100% keuntungan.

Perbandingan dengan simpanan tunggal di ASB
=RM100,430 – RM69,312
=RM 31,118 lebih menguntungkan.


Jika ada cash, jangan simpan di satu tempat. Diversify pelaburan/simpanan supaya dapat menjana lebih keuntungan dan mengurangkan risiko. Bagi bumiputera, manfaatkan kelebihan ASB Financing supaya dapat memaksimumkan pulangan.

Untuk personal coaching ASB Financing & Unit trust, hubungi saya:


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