Pelabur Taik Kucing

šŸ”„PELABUR TAIK KUCINGšŸ”„

Ini kisah Budin. Budin seorang pelabur taik kucing. Orang nak melabur dia pun nak melabur, tapi sikit2 dah goyang.

Tahun 2016.
Budin start simpanan ASBF tahun 2016, lepas setahun dividen diumumkan 6.75%. Budin meroyan. terus terminate.

Tahun 2017.
Budin dah terminate ASBF. Niat nak simpan sendiri. Tapi sebab tak terikat dengan bank, simpanan pun kadang2 je buat. Duit habis dibelanja. Tahun 2017 dividen ASB diumumkan 7.25%. Mulalah Budin semangat nak apply ASBF semula.

Tahun 2018.
Budin kembali buat simpanan ASBF. Lepas setahun dividen diumumkan 7%. Mulalah dia nak meroyan semula. Nak terminate sebab katanya tak untung.

Dalam pelaburan, naik turun keuntungan adalah normal. Dana ASB dilaburkan ke dalam pasaran equity pelbagai syarikat sama ada di dalam atau di luar negara. Jadi, situasi ekonomi dunia akan mempengaruhi keuntungan pelaburan ASB. Ikutkan rata2 prestasi dana unit amanah pada tahun 2018, kebanyakannya tengah loss melebihan dua angka. Maksudnya kerugian lebih 10% disebabkan keadaan ekonomi yang suram. Bukan saja di Malaysia, malah di seluruh dunia.

Namun ASB masih mampu memberikan dividen 6.5% dan bonus 0.5% (Keuntungan Efektif = 7.0%). Itu kalau simpanan biasa. Kalau simpanan menggunakan pelaburan ASBF, lagi tinggi untungnya.

Contoh pelaburan tahun 2018:

šŸ”¹Simpanan ASB Biasa:

RM540 sebulan x 12 bulan = RM6480.
Dividen 7% = RM243
Hasil simpanan setahun = RM6723šŸ’„

šŸ”¹Simpanan ASBF 100K
Kadar keuntungan bank 5.05%
Tempoh 30 Tahun
Tanpa takaful
Bulanan RM540 x 12 = RM6480 Modal

Dividen 7% x RM100K = RM7000

Prinsipal = Sijil RM100,000 – Baki Hutang RM98538
= RM1462

Total RM7000+RM1462 = RM8462 šŸ’„

Prinsipal bukan dalam bentuk cash. Hanya dari segi pengurangan jumlah hutang. Untuk dapatkan cash prinsipal, perlu terminate ASBF dahulu ataupun buat penyelesaian pembayaran hutang.

Jelas simpanan ASBF lebih menguntungkan daripada simpanan cara biasa. So tak perlulah nak meroyan. Jangan jadi pelabur taik kucing. Jadilah pelabur yang bijaksana.

Yang penting follow STRATEGI ASAS ASBF.

šŸ”· ASAS STRATEGI ASB FINANCING

Perkara asas yang perlu kita faham untuk memaksimumkan pulangan pelaburan ASB Financing adalah seperti berikut:

1. Tempoh pembiayaan maksimum 30 tahun
Sebab: Semakin panjang tempoh pembiayaan, semakin murah bayaran bulanan. Kita mampu memiliki Nilai Sijil yang besar dengan modal yang kecil. Jadi bayaran tahunan adalah jauh lebih murah berbanding dividen yang lebih banyak. Tiada masalah untuk pelabur yang mengamalkan teknik Rolling Dividen, malah terdapat lebihan cash yang banyak. Bagi yang berumur lebih daripada 35 tahun, gunakan formula 65-umur sekarang untuk mendapatkan tempoh maksimum.

2. Tanpa takaful
Sebab: Bayaran takaful dimasukkan kedalam jumlah pembiayaan. Jadi jika anda melanggan takaful, hutang anda lebih tinggi berbanding nilai sijil. Bayaran bulanan juga akan meningkat. Kesan takaful bila anda menamatkan pembiayaan adalah pulangan prinsipal yang sedikit. Awas, andai pembiayaan ditamatkan terlalu awal, anda bakal dikenakan bayaran tambahan oleh pihak bank jika nilai hutang semasa adalah lebih tinggi dari nilai sijil ASB.

3. Pembiayaan Islamik
Sebab: Sebab utama perlu ambil pembiayaan islamik adalah supaya mendapat rezeki yang halal. Selain itu, pembiayaan islamik tiada “lock in period”. Maka, anda boleh menamatkan pembiayaan pada bila-bila masa tanpa perlu menunggu tempoh tertentu.

Ketiga-tiga strategi tersebut adalah asas utama untuk memaksimumkan pulangan ASBF.

Tapi, setiap orang mempunyai matlamat dan kemampuan yang berbeza. Untuk design gameplan dan teknik yang sesuai dengan matlamat masing-masing, bolehlah rujuk kepada consultant.

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