Usia 40an, Masih Belum Terlambat Untuk Membuat Simpanan Persaraan Melalui Amanah Saham Bumiputera Financing (ASBF)

Pertanyaan daripada seorang saudara yang bertanya tentang bagaimana untuk membuat simpanan untuk hari persaraan kerana usia sekarang dah mencecah umur 40an. (ASB VS ASBF)

Soalannya: Saya berumur 40 tahun. Saya merancang untuk bersara di usia 55 tahun. Tujuan saya menyimpan ni untuk kegunaan selepas bersara nanti. Sekarang saya sudah ada simpanan cash RM 15,000. Saya simpan dalam ASB. Tapi lambat sangat duit saya berkembang. Kalau saya buat ASB Financing, boleh untung ke berbanding saya simpan cara biasa ?

Jawapan: Ya. ASB Financing lebih menguntungkan. Dengan modal RM15,000, Encik boleh mohon ASB Financing RM200K.
Tempoh Pembiayaan: 25 Tahun
Keuntungan Bank: 4.8%
Bayaran Bulanan: RM 1146
Bayaran Tahunan: RM 13,752

Encik guna Teknik Rolling Dividen. Bayar lump sump RM13,752 menggunakan simpanan sedia ada. Baki RM1248 encik biarkan dalam ASB. Selepas setahun, jika dividen ASB dapat 6.75%, encik akan dapat RM 13500.

Pada tahun kedua, encik perlu bayar lagi RM13,752. Tapi dividen yang encik dapat hanya RM13,500. Kurang RM252 dari bayaran tahunan encik. So, saya cadangkan encik cool je. Jangan panik. Nampak macam dah rugi RM 252, tapi sebenarnya encik dah untung RM4000. Mana datangnya RM4000 ni ?.

Datangnya dari principal terkumpul encik. Tapi principal ni tak boleh dikeluarkan selagi sijil belum dijual atau habis dibayar. Pasal principal ni nanti kita sembang lain kali. Fokus pada cara nk selesaikan bayaran dulu.

So, dengan dividen RM13500 ni, encik short RM252. So tak perlu topup lagi. Encik keluarkan dividen untuk bayaran 6 bulan dahulu iaitu sebanyak RM6876 dan setelkan 6 bulan punya ansuran. Baki RM6624 encik biar dulu dalam ASB selama 6 bulan.

Dalam tempoh 6 bulan ini, encik akan dapat hasil dividen daripada RM6624 tersebut. Dalam masa 6 bulan tu juga, encik perlu buat simpanan extra RM42 sebulan.

RM42 x 6 bulan = RM252. So dah cukup untuk cover jumlah yang short tadi. Selepas 6 bulan, encik pergi buat bayaran secara lumpsump untuk baki 6 bulan lagi. So selesai bayaran untuk setahun. Rasanya cara ini tak akan membebankan encik.

Encik ulang langkah ini setiap tahun sampai umur 55 iaitu selama 15 tahun. Jom kita kira hasil simpanan encik.

1. Dividen Akhir = RM13,500
2. Principal Terkumpul = RM 90,950
JUMLAH = RM 104,450.

Jika encik biarkan RM15,000 di dalam ASB biasa, hasil encik selepas 15 tahun tak sampai pun RM50,000. Jadi encik dah gandakan duit simpanan encik lebih dari dua kali ganda. So encik pilihlah cara yang mana encik rasa lagi bijak.

Pengiraan bonus dan dividen-dividen sampingan diabaikan. Hasil sebenar adalah lebih tinggi daripada nilai di atas.

Pengiraan adalah berdasarkan dividen ASB 6.75% dan kadar keuntungan bank 4.8%. Kadar keuntungan bank dan dividen boleh berubah. Hasil sebenar mungkin berbeza.

Jika ada persoalan bermain diminda, boleh whatsapp saya: 0133360161

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