Panduan Bersara Sebagai Jutawan Dan Bebas Hutang

Sebagai manusia normal, kita tidak akan lari daripada 5 perkara ini:

1. Beli Kereta
2. Kahwin
3. Beli Rumah
4. Pendidikan Anak
5. Persaraan

Kereta, kahwin dan rumah merupakan matlamat jangka masa pendek antara 3-5 tahun dari tarikh kita mulakan simpanan. Manakala Dana pendidikan anak dan dana persaraan merupakan matlamat jangka masa panjang iaitu bagi tempoh 15 tahun ke atas.

Bagi matlamat jangka masa pendek, platform pelaburan yang paling sesuai adalah ASB Financing. Ini kerana kuasa volume daripada sijil ASBF mampu menjana pulangan yang tinggi daripada hasil dividen dan prinsipal.

Tetapi, pelaburan jangka masa panjang perlu fokus kepada kuasa compounding. Kuasa compounding adalah kuasa gandaan simpanan setiap tahun. Semakin lama tempoh simpanan, semakin banyak simpanan kita akan digandakan.

Jika simpanan dibiarkan dalam tempoh yang lama, kita boleh menjadi jutawan diwaktu persaraan dengan hanya modal simpanan bulanan sekitar RM200 sehingga RM500 sebulan bergantung kepada prestasi dana.

Platform apakah yang mampu menjadikan kita jutawan?

Salah satu platform yang selamat yang berisiko rendah adalah Unit Amanah (Unit Trust – UT) yang memberikan pulangan purata sekitar 8-12% setahun.

Sebagai contoh, jika Ali mulakan simpanan ketika berumur 25 tahun dengan membuka akaun pelaburan awal sebanyak RM1000 dan simpanan bulanan RM350, hasil simpanan ketika berumur 55 tahun adalah sebanyak RM 1.1 juta (jika purata prestasi dana setiap tahun 12%).

Berapa simpanan sebenar Ali ?

RM1000 + (RM350 x 360) = RM127,000 sahaja.

Ya, walaupun hanya bermodalkan simpanan RM127K, Ali berpotensi menjana simpanan sebanyak RM1.1 juta kerana dia bermula awal dan simpanan beliau telah digandakan (compounding) selama 30 tahun.

Perbandingan

Andai Abu bermula lewat ketika berumur 40 tahun. Beliau perlu membuka akaun sebanyak RM1000 dan membuat simpanan bulanan sebanyak RM2,300 untuk mendapatkan simpanan persaraan sebanyak RM1.1 juta ketika berumur 55 tahun (jika purata prestasi dana setiap tahun 12%).

Berapa jumlah simpanan Abu?

RM1000 + (RM2300 x 180) = RM 416,000.

Walaupun jumlah simpanan ini lebih banyak (lebih 3 kali ganda), tetapi hasil simpanan adalah sama kerana Ali bermula lewat dan wang beliau tidak dapat digandakan dengan maksimum.

Kenapa perlu ada simpanan 1 juta ketika bersara ?

Jika kita mengharapkan simpanan KWSP semata-mata, kemungkinan besar wang persaraan akan habis digunakan dalam tempoh beberapa tahun sahaja. Justeru, kita perlu ‘menanam pokok’ yang mampu menghasilkan ‘buah’ untuk dimakan pada masa hadapan.

Jika kita ada simpanan sebanyak RM1 juta (pokok), simpan di tempat yang memberikan pulangan sekitar 7% setahun, dividen tahunan (buahnya) adalah sekitar RM70,000. Jika dibahagikan kepada 12 bulan, bermakna kita mempunyai wang pencen sebanyak RM5,833 sebulan. Jika berpasangan, pendapatan isi rumah hampir mencecah RM12,000.

Pokoknya jangan ditebang, kita hanya makan buahnya (dividen) sahaja.

Wariskan kekayaan

Lakukan simpanan persaraan bersama pasangan. Jika pasangan suami isteri mempunyai simpanan RM2 juta yang tidak diusik dan mempunyai 4 orang anak, mereka bakal mewariskan wang tunai sebanyak RM500K setiap seorang.

Ajar anak anda menyimpan dari awal. Katakan anak anda melakukan plan simpanan yang sama seperti Ali, jumlah simpanan sendiri ketika berumur 55 tahun juga sebanyak RM1.1 juta.

Jika anak anda mendapat wang RM500K yang diwariskan ketika berumur 35 tahun, dan wang tersebur disimpan di platform yang sama selama 20 tahun sehingga berumur 55 tahun, nilai simpanan akan menjadi sebanyak RM4.8 Juta.

Kini, jumlah simpanan anak anda menjadi RM1.1 Juta + RM4.8 Juta = RM 5.9 Juta.

Ajar anak anda konsep ‘makan buah sahaja’ dan cucu anda bakal menjadi jutawan hanya daripada harta yang diwariskan.

Moral of the story: Mulakan simpanan seawal yang mungkin supaya kita tidak terbeban. Biarkan duit kita berganda (compounding) dalam tempoh masa yang lama. Hasilnya pasti tidak mengecewakan.

Wariskan harta, jangan wariskan hutang.

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