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

Sharing is caring!

Facebook Comments

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

  1. oprol evorter

    Hey would you mind letting me know which webhost you’re working with? I’ve loaded your blog in 3 completely different web browsers and I must say this blog loads a lot faster then most. Can you recommend a good hosting provider at a fair price? Kudos, I appreciate it!

  2. gamefly free trial

    Hello are using WordPress for your blog platform?
    I’m new to the blog world but I’m trying to get started and set up
    my own. Do you need any html coding knowledge to make your own blog?

    Any help would be greatly appreciated!

  3. gamefly free trial

    Because the admin of this website is working, no question very soon it
    will be well-known, due to its quality contents.

  4. how to get help in windows 10

    Great post. I was checking continuously this blog and I’m impressed!
    Very helpful information specifically the last part πŸ™‚ I care for such info
    a lot. I was seeking this particular information for a long time.
    Thank you and best of luck.

  5. gamefly free trial

    I like the valuable information you provide in your articles.
    I’ll bookmark your weblog and check again here regularly.
    I’m quite sure I will learn many new stuff right here!
    Good luck for the next!

  6. gamefly free trial

    If you would like to increase your knowledge just keep
    visiting this web page and be updated with the newest news posted here.

  7. gamefly free trial

    I’ve been exploring for a little bit for any high-quality articles or blog posts in this kind of
    area . Exploring in Yahoo I ultimately stumbled upon this site.
    Reading this info So i’m happy to show that I’ve an incredibly excellent uncanny
    feeling I found out exactly what I needed. I such a lot without a doubt will make sure to do not put out of
    your mind this web site and provides it a glance on a relentless basis.

  8. gamefly free trial

    I do not know whether it’s just me or if perhaps everyone else encountering issues with your website.
    It looks like some of the written text within your content are running off the screen. Can someone else please provide feedback and let
    me know if this is happening to them too? This could be a issue with my browser because I’ve had this happen before.
    Appreciate it

  9. gamefly free trial

    Magnificent goods from you, man. I have understand your stuff previous to and you are just extremely fantastic.
    I really like what you have acquired here, really like what you are stating and the
    way in which you say it. You make it enjoyable and you still
    take care of to keep it smart. I can’t wait to read much more from you.
    This is actually a wonderful site.

  10. gamefly free trial

    Hey There. I found your weblog the usage of
    msn. This is a very smartly written article. I’ll be sure to bookmark it and return to read
    more of your helpful info. Thanks for the post. I will certainly return.

  11. gamefly free trial

    I visit everyday some web sites and websites to read articles, however
    this website presents quality based articles.

  12. gamefly free trial

    Useful information. Fortunate me I discovered your site by
    chance, and I’m surprised why this coincidence did not came
    about earlier! I bookmarked it.

  13. good ps4 games

    It’s the best time to make some plans for the future and
    it is time to be happy. I have read this post and if I could I wish to suggest you some interesting things or tips.
    Maybe you could write next articles referring to this article.
    I desire to read more things about it!

  14. ps4 best games ever made 2019

    hello there and thank you for your information – I have certainly
    picked up something new from right here. I did
    however expertise several technical issues using this site, since I experienced to reload the
    website many times previous to I could get it to load
    properly. I had been wondering if your web host is OK?
    Not that I am complaining, but sluggish loading instances times will very frequently affect your placement in google and could damage your quality
    score if advertising and marketing with Adwords.
    Anyway I’m adding this RSS to my email and could look out for much
    more of your respective intriguing content. Make sure you update this again very


    Pretty! This has been a really wonderful post. Thank you for supplying this information.

  16. plenty of fish dating site

    It is appropriate time to make some plans for
    the future and it’s time to be happy. I’ve read this post and if I could I wish to suggest you some interesting things or tips.
    Maybe you can write next articles referring to this article.
    I want to read even more things about it!

  17. how to get help in windows 10

    I got this website from my buddy who informed me about this web page and now this time I
    am visiting this website and reading very informative articles or reviews at this

  18. how to get help in windows 10

    I’m not that much of a internet reader to be honest
    but your blogs really nice, keep it up! I’ll go ahead and bookmark your site to come back in the future.
    All the best

  19. plenty of fish dating site

    Excellent post. I was checking constantly this blog and I am impressed!

    Extremely helpful info specially the last part πŸ™‚ I care for such
    info a lot. I was looking for this particular information for a long time.

    Thank you and good luck.

  20. BestFrank

    I have noticed you don’t monetize, don’t waste your traffic, you can earn extra bucks every
    month with new monetization method. This is the best adsense
    alternative for any type of website (they approve all websites), for more details simply search in gooogle: murgrabia’s

  21. how to get help in windows 10

    My coder is trying to convince me to move to .net from PHP.
    I have always disliked the idea because of the costs. But he’s
    tryiong none the less. I’ve been using WordPress on several websites for about
    a year and am anxious about switching to another platform.
    I have heard great things about
    Is there a way I can transfer all my wordpress content into it?
    Any help would be really appreciated!

  22. natalielise

    Hello to every one, since I am in fact eager of reading this website’s post to be updated regularly.
    It includes good material. pof natalielise

  23. plenty of fish dating site

    Thank you for every other wonderful article. The place else
    may anybody get that kind of info in such an ideal means of writing?
    I have a presentation next week, and I’m at the search for such info.


    Hey there are using WordPress for your site platform?
    I’m new to the blog world but I’m trying to get started and
    create my own. Do you require any html coding knowledge to make your own blog?
    Any help would be greatly appreciated! pof natalielise

  25. dating site

    Its such as you read my thoughts! You appear to grasp so much
    about this, like you wrote the ebook in it or something.
    I believe that you could do with a few percent to drive the message
    home a bit, but instead of that, this is excellent blog.
    A great read. I will definitely be back.

  26. plenty of fish

    obviously like your web-site but you have to
    test the spelling on several of your posts. Several of them are rife with spelling problems
    and I in finding it very bothersome to tell the reality then again I’ll surely come again again.

  27. pof

    Pretty nice post. I simply stumbled upon your blog and wished to say that I have really enjoyed browsing your weblog posts.
    In any case I’ll be subscribing for your feed and I am hoping you write again very
    soon! natalielise pof

  28. pof

    Hey there! I could have sworn I’ve been to this site before but after checking through some of the post I realized
    it’s new to me. Anyways, I’m definitely delighted I found it and I’ll be book-marking and checking back frequently!
    pof natalielise

  29. plenty of fish dating site

    Today, while I was at work, my sister stole my iPad and tested to see if it can survive a thirty foot drop, just so she can be a youtube sensation. My iPad is now broken and she has 83
    views. I know this is entirely off topic but I had to share it with someone!

  30. minecraft games

    Thank you for the auspicious writeup. It in fact was a amusement account it.

    Look advanced to more added agreeable from you!
    However, how can we communicate?

  31. minecraft games

    excellent post, very informative. I wonder why the other experts of this sector don’t realize this.
    You should continue your writing. I’m confident, you have a great
    readers’ base already!

  32. minecraft games

    I was more than happy to discover this web site. I want to to thank
    you for your time for this wonderful read!! I definitely appreciated every
    part of it and i also have you saved as a favorite to check out new stuff on your web site.

  33. minecraft games

    Fascinating blog! Is your theme custom made or did you download
    it from somewhere? A design like yours with a few simple adjustements would really make my
    blog jump out. Please let me know where you got your design. Thanks a lot

  34. minecraft games

    Hey there! Do you know if they make any plugins to
    protect against hackers? I’m kinda paranoid about losing everything I’ve worked hard on. Any

  35. quest bars cheap

    I’m not sure where you are getting your info, but great
    topic. I needs to spend some time learning more or understanding more.
    Thanks for excellent information I was looking for this info for
    my mission.

  36. quest bars cheap

    Fantastic site you have here but I was wondering if you knew of any user discussion forums that cover the same topics discussed in this article?
    I’d really love to be a part of group where
    I can get responses from other knowledgeable individuals that share the same interest.

    If you have any suggestions, please let me know.
    Thanks a lot!

  37. quest bars cheap

    Hello! Do you know if they make any plugins to safeguard against hackers?
    I’m kinda paranoid about losing everything I’ve worked hard on. Any recommendations?

Comments are closed.