TUNAI HAJI LAGI 10 TAHUN?

TUNAI HAJI LAGI 10 TAHUN?

Realiti 2014

Menunaikan Ibadah Haji dalam masa 10 Tahun

Katakan hari ini, anda yang berusia bawah 30 tahun ke Tabung Haji. Buka akaun dan daftar untuk ke tanah suci bagi menunaikan rukun Islam kelima itu. Saya jangka anda hanya dapat ke tanah suci menjelang 2066.

Tahun ini, 2014 dan terpaksa menunggu 52 tahun untuk ke tanah suci. Itupun kalau umur panjang.

Kos

Berapa kos untuk menunaikan haji pada tahun lepas, iaitu 2013?

Sedikit carian Google membawa ke laman web rasmi tabung Haji, iaitu kos menunaikan haji kali pertama sebanyak RM16, 155. Peserta tabung haji hanya perlu membayar RM9,980 dan selebihnya ditanggung pihak kerajaan.

Pakej swasta berharga sekitar RM26,238 (http://www.safariharamain.com/pakej-haji-swasta/).

Adakah cara lain untuk menunaikan haji dengan lebih cepat tanpa rasa terlalu terbeban?

Berapa kos yang perlu ditanggung pada tahun 2066 kalau masih mengikuti pakej tabung haji?

Katakan inflasi matawang dan kenaikan kos haji pada kadar 4% setahun, dan katakana kerajaan masih lagi member subsidi haji.

Jadi kita ambil angka RM9,980 sebagai angka present value, pada tahun 2014.

Pada tahun 2066, pada kadar inflasi dan kenaikan kos haji sekitar 4% setahun, kos untuk menunaikan haji adalah sebanyak RM76,712. Peningkatan kos sebanyak RM66,732 atau RM1,283 setahun.

Alternatif

Apa kata saya cadangkan alternative terbaik menggunakan produk takaful dan juga unit amanah. Tetapkan masa selama 10 tahun dan anda ingin menunaikan haji pada penghujung tahun ke 10.

Kita gunakan pakej haji swasta sebagai asas.

RM26,238 pada 2014 adalah senilai dengan RM38,838 pada tahun 2024, iaitu 10 tahun dari sekarang. Katakan kita ambil angka RM40,000 sebagai sasaran yang mahu dicapai dalam masa 10 tahun.

Tools Pertama – Unit Amanah

Manfaatkan dana-dana unit amanah. Kenanga Shariah Growth Fund memberikan pulangan sekitar 12% setahun.

Dengan simpanan permulaan sebanyak RM1,000 dan mahu menyimpan bulanan secara tetap selama 10 tahun, anda hanya perlu mengasingkan duit gaji anda sebanyak RM175 sahaja untuk mendapatkan dana sebanyak RM40,000 untuk mengikut pakej swasta menunaikan haji.

Tools Kedua – Takaful

Apa-apa pun boleh terjadi kepada anda dalam masa 10 tahun menyimpan itu. Gunakan Takaful Hajj daripada MAA yang menjamin badal haji dilakukan oleh pihak takaful jika anda meninggal. Sumbangan yang serendah RM50 sahaja sebulan dengan takaful life minimum RM20,000 untuk ditinggalkan kepada sanak saudara. Jumlah itu juga akan diberikana sekiranya anda mengalami sebarang kecacatan kekal.

Takaful Hajj juga akan melakukan ibadah qurban, waqaf dan juga khairat kematian. Jika kematian/hilang upaya kekal  berlaku di tanah suci, takaful akan membayar sehingga 200% dana caruman life asal.

Kesimpulan

Berapa kos untuk tunaikan haji 10 tahun akan datang?

RM175 + RM50 = RM225 sahaja sebulan.

Soalannya, anda mahu atau tidak?

Saya sudah provide jalan. Terpulang pada anda untuk menelusuri jalan tersebut atau tidak.

Read More

How Much To Spend for Insurance / Takaful ?

Last week when I withdrew some cash at Maybank, there was a booth there. There was an insurance agent promoting Etiqa Takaful. I tried to ask several things about the product he was selling. As usual like normal insurance agents, he talked and boasted too much about how good he is in this subject (insurance/investment), I never try to argue with as I am not the similar kind of person as he is.

He talked on how he only promoted 4 products because he claimed these as “killer products”. He further explained that such products are perfect and suit everybody. When I raised the issue that each person has own circumstances so they may need different products, he couldn’t answer properly. As I threw to him more technical aspects of insurance, he became insecure, suspecting me as someone who may know a  lot of things, he started to be more reserved.

No one can deny we need protection, but the question is how much we should spend for insurance. The right answer is as little as possible. The more correct answer according to experts (not agents, because agents certainly want you to spend all your money on insurance), we have rules of thumb.

Everyone must only spend 5% of their gross income for life insurance.

Let say your salary per month is RM2,000, your 5% is RM100 only. Of course, this an estimate. But the 5% is very correct. Even if you want to spend more, RM150 is still reasonable, as it is within range of that RM100. Spending RM180 if your monthly pay is RM2,000 is wrong !

Once you decide that you will only spend RM150 for life insurance / takaful keluarga, you must study and buy necessary insurance only.

For example you must know these and avoid below as these usually what cost your insurance expensive.

1)      Cash value or saving – Insurance that claims will give you some money back after sometime are expensive. If you really want to save or invest money, don’t buy life insurance, just buy ASB !

2)       Riders – Riders are additional feature attached to a policy that cost you a lot of money. Trust me, unless you are rich, beware of riders. Normal people that are not rich must only buydread diseases and critical illness, don’t buy other riders.

3)      Medical card – Medical card or hospitalization insurance are actually not life insurance. It is a general insurance that works on indemnity basis. Although it is a general insurance like car insurance (except it doesn’t have Average clause), hospital/medical card is attached to saving policy or portfolio policy. As it is indemnity based, it is costly and it increases as time passes.

For Medical / hospital insurance, usually companies offer co-insurance clause, which means need to pay several hundred from own pocket, or pay half of the hospital expenses. The main purpose is insurers don’t want us to choose the more expensive hospital when cheaper is available. We,, it is reasonable. But the most important thing, Co-insurance is good as it reduce the monthly premium that we pay.

For people who are persuaded by agents to buy expensive hospital insurance, the agents claimed that if you do not buy this, you need to go to government hospital, and government hospital is slow and bad. So, people become scared and without thinking spend a lot of money on insurance.

But don’t be naïve !

Do you really think that the coverage is enough even you pay RM100 per month only for the medical card (this not include yet other insurance that comes along) , do you really think that it is enough ?

At the end of the day, you will still go to government hospital. If you just suffering 4 or 5 days not serious illness/injury, ok, you can stay in the private hospital, but still with normal people type hospital insurance, the longest they can stay in 2 weeks, after that the maximum limit is reached and you must go to hospital insurance. So, if your illness is very severe, you still need to go to government at the end.

If you are just lightly sick, ok, you can stay several days in private hospital, but come on, does it worth it to spend big proportion of your income for that medical insurance if just for staying in private hospital when you are not that sick ?

I am not saying you shouldn’t buy hospital insurance at all , but minimize it. If your company has group insurance to cover hospital costs, just do not buy medical / insurance.

Again, the most important thing in whatever we do is the product is cheap and we must can afford it.

Thus, hold that 5% rule, but this 5% rule doesn’t include general insurance like car and house insurance. Only for the life insurance/takaful you buy from the insurance agent, use the 5% rule. If you already spend more than 5% for life insurance, reduce it to about 5% of your income.

Remember the 5% rule !

Spend for life insurance / takaful – not more than 5% of your gross income only !!

Credit to http://pengurus-harta.com/2012/11/23/how-much-to-spend-for-insurance-takaful/

Read More

Jangan Buat Pinjamam ASB!

This is an original article from Pengurus Harta entitled Don’t Borrow Amanah Saham Bumiputera Loan!

Referring to my preceeding articles, Amanah Saham Bumiputera (ASB) is indeed a decent unit trust, and gives much better return than saving / education insurance. It is liquid and secured. Its decent return and security make it an income earning platform for financial institutions. This is done via providing loan for ASB acquisition.

This brings back my memory to my late father was killed 10 years ago. He was a senior manager of the largest bank in Malaysia for more than 30 years. A friend of my dad, a high school principal, who is already passed away now, visited my dad when i was teenager. He asked my dad for help because he wanted to borrow a loan from my dad’s bank to buy ASB. I sat beside them, listening the long conversation and watching my dad wrote on a piece of paper to explain. I didn’t understand anything but his friend decided not to borrow and my dad was satisfied.

The local banks of Malay based, are now pushing their sales personnel to sell this product, namely borrowing loan to buy ASB. The mechanism is like this : the Malay person take a loan, however the bank do not give the cash to him.

The cash is used to buy ASB units of equal value as the loan taken. The borrower then pay monthly installment using his own cash to the bank, but cannot resell the ASB for immediate cash. ASB is kept until the borrower fully settles all the installments, which usually up to 25 years. Nevertheless, he can always withdraw the dividend and cash it.

Since the sales people have been actively promoting it, this scheme is well known among Bumiputera. I read their different sales illustrations and listen to their sales approach. I’d say they are not doing something bad. I had seen many unethical or misleading sales tactic of insurance agents. The sales method of ASB loan is nothing.

Below is an example the sales illustration ;

Hi all,
Do you wish to become a millionaire ? You can become millionaire by using ASB !

First, you need to take a Loan to buy ASB
You just need to pay monthly installment of RM1160 for 24 years (Here, the monthly installment is emphasized)

In Year 24, your final ASB value is RM1,121,365 (Look, calculation is very simplified)
Total installments = 1160*12*24 = RM334,080 (Again, simplistic calculation)
Return = Final ASB Value – Total Installments = 1,121,365-334,080 = RM787,285
Return On Investment = 787,285/334080 = 235.66% !

Based on above, the borrower can become a millionaire …. and the Return on Investment is 235% or more than 2 times of money he gives out.

Above is if he borrows, what if he uses his own money to buy ASB bit by bit. See below :

Like above, he sacrifices same amout every month RM1160 say for just 15 years and 4 months, total cash out is RM199,864

After that period, final ASB value is RM1,016,842, so the return is 1,016,842 – 199,864 = RM816,978, Return on Investment is RM816,978/RM199,864 = 408.76% (Here, the salesperson tries to emphasize on how you cannot get RM1 million by saving using own money)
If he doesn’t borrow, if he just use his own money, at 16th year, he may mot be a millionaire yet, but his return is 400% or 4 times bigger. If he continues to save the same amount monthly into ASB, he can become millionaire. So, comparatively, borrowing loan is not good.

Well, there are another sales illustration.

Use this term loan facility to buy ASB units. While you are servicing the loan, you’ll be earning the annual dividends and bonuses from your ASB investment which you can use to partly pay for the subsequent year loan repayments.

It’s an affordable, convenient and smart way to make your money work harder.

Features and benefits:

Maximum loan amount of up to RM200,000.
High financing margin.
Low interest rates.
Flexible loan tenures.
Low handling fees.
Insurance coverage.

And CIMB’s ASB loan offer comes in 2 packages. Package 2 is attractive if you expect the BLR to increase in the 2 years period, since you can locked in the BLR rate.

Package 1: BLR – 1.65% p.a. throughout the loan tenure
Package 2: 4.65% p.a. fixed for the first 2 years, BLR – 1.65% p.a. thereafter

Under this so-called strategy, for the first 2 years, you need to sacrifice, paying the monthly installment. After that, you can start withdrawing the dividend to pay the whole subsequent annual installment. Everytime, you got the dividend, you withdraw it to pay the whole installment for next year. The Point of Sales here is , for 22 years or so, you don’t need to pay anything, after term ends, you get a huge sum of money.

In order to test this theory, I refer to one of the CIMB’s monthly repayment schedule. Say, I borrow a lowly sum of RM10,000. Accordingly, the interest calculation is based on monthly rest, so installment reduces every year since you gradually pay the loan principal via the past installments. So, as per schedule, at Year 5, the monthly installment is RM188, by right, total annual installment is RM2256. Let say ASB can maintain decent dividend of 9% at that time, RM10,000*9%=RM900. So, how are you going to pay annual installment of RM2256 using only RM900 ?? Furthermore, if you keep withdrawing the dividend/bonus, how are you going to benefit from compunding, which is the main way of multiplying your value in ASB.

Above elaboration is for demistifying the myth brought by the salespersons.

Now, for the reasons that this scheme is no good.

Low Return

If you use your own money to buy ASB, you do not need to pay interest, so you get the net dividend. However, if you borrow, there is interest. Basic Lending Rate (BLR) of retail banks usually at 6.6%, risk premium of ASB loan is 1.65%, so 6.6% minus 1.65% = 4.95%. So, interest is 4.95%. Let say ASB can somehow retain the dividend rate of 9%. The return you get is 9% minus 4.95% = 4.05% per year only ! Do you know 1 year Fixed Deposit Rate in Malaysia is around 3.20%. You borrow loan, take risk, sacrifice your money for monthly installment – what you get is a bit higher than Fixed Deposit only !

Uncertain Dividend

Highest dividend is nearly 11% and it got the lowest at 7%. The rare bonus is highest is 6% many years ago, while lowest bonus is 1% which is normal nowadays. Telling people that ASB dividend rate is 9% or 10% consistently until the next 25 years is wrong. It can go up and down, no one can guarantee it (even ASB and banks websites state this)

The able investment analysts will usually adjust the future return with risk. Risk is how much chance that the outcome will differ from expected one. If risk is high, the possibility of retaining the 9% dividend rate is low.
The method is called Expected Value. Sales illustration is usually without Expected Value and based only on single rigid rate. They wrongly assume that the return will be the same no matter what the circumstances are.

Opportunity Cost

This means if you buy ASB while there are other platform with higher rate, you loose the chance for that higher alternative income. If ASB pays you 9%, but a REIT pays you 15%, you miss the chance to get the 15% because you stay with the 9% ASB.

In any financial planner or genuine investment analyst, of in any financial textbook, this is everything. They design a formula to incorporate the above opportunity cost into analysis. This is called Net Present Value (NPV) analysis, or discounted value analysis.

NPV analysis considers rate which is higher than the one being analyzed. Although discount rate for NPV is subjective, there are so many investment which gives a lot higher rate than ASB. Same goes to Life Insurance Fund. There are too many platforms out there that give much higher income than Life Insurance Fund. NPV incorporates other rates into assessing a particular investment.

Sales person and insurance agents, of course, nearly all of them do not know or never even heard of it. Even if there is a handful of them who know it a bit, NPV analysis is something they are so scared of. In layman’s language, if you consider other better alternatives than the ones you are selling, this will reduce the positive image of products you are selling.

Inflation

Price level increases every year. Cost of living rises. This is called inflation. Sales illustration ignore inflation factor. By doing this, they assume that value of RM100 today is the same as value of RM100 25 years from now.

Read More

Pindahkan Risiko Kesihatan Anda Melalui Takaful

Hakikatnya musibah yang menimpa seseorang adalah sesuatu yang tidak terjangka. Kita pun tidak akan menjangka kalau2 5 tahun kehadapan kita bakal disahkan mengidap penyakit jantung.

Kita juga tidak dapat agak kalau2 bulan depan anak kecil kita disahkan mengidap demam denggi.

Semua ini adalah sesuatu yang tidak terjangka. Dan sesuatu yang tidak terjangka ini dinamakan risiko, yang mana antara cara menghadapi risiko ini adalah sama ada avoid (elak), reduce (kurangkan), retain ataupun transfer (pindahkan).

Takaful berfungsi sebagai risk transfer medium. Pindahkan risiko musibah itu (boleh elak ke sakit? Boleh kurangkan ke musibah, atau boleh simpan ke musibah itu? Selesai ke masalah?) kepada pihak takaful supaya kita tidaklah terlalu terbeban dengan musibah melanda.

Soalan saya, adakah anda sudah miliki sekurangnya satu polisi takaful?

Mampukah anda untuk jatuh sakit?

Read More

Kisah Wang RM50 dan Si Bijak Wang

Nilai RM50 sebenarnya banyak masa kecil-kecil dulu. Dapat RM50 sebagai duit raya memang banyak yang boleh dibeli. Buku pun banya boleh beli. Novel Ahadiat Akashah pun dulu rasanya ada yang tak sampai RM10. Minat betul say abaca novel dia dulu. Sedari sekolah rendah (91-96) saya dah mula minat baca novel. Novel 5 sekawan oleh Enid Blyton memang tak pernah terlepas. Semua buku dia saya khatam dalam perpustakaan. Sampaikan saya rasa dah tak ada dah buku yang saya boleh baca dalam perpustakaan sekolah yang tak lah besar mana pun.

Nilai RM50 hari ini (2014) memang gagal bertahan lama dalam poket saya. Malah, poket semua orang pun rasanya. Besar manalah nilainya RM50 tu kalau kita translate pada mileage yang kereta kita boleh pergi dengan nilai sebesar atau sekecil itu.

Sekali lunch mungkin dah cecah RM10. 5 kali lunch saja, habislah duit RM50 itu.

Apa yang boleh saya dan MAA Takaful tawarkan dengan nilai serendah itu hari ini?

Takafulink Hajj

Skim takaful ini sangat istimewa kerana adalah satu-satunya yang ditawarkan di Malaysia setakat ini. Ia ditawarkan kepada setiap orang Islam yang berimpian menunaikan haji walaupun selepas ketiadaan kita. Apa yang ada dalam skim takaful ini?

1.     Jaminan badal haji, qurban, waqaf dan khairat kematian yang bakal dilakukan pihak takaful kepada peserta takaful (anda) selepas ketiaadaan anda. Alhamdulillah, kita meninggal pun, ada yang menjamin kita dapat sempurnakan Rukun Islam yang kelima itu. Kalau kita daftar di Tabung Haji sekarang pun, mungkin giliran kita untuk menunaikan haji sekitar 2060 dan ke atas. Agak-agak siapa yang dapat menjamin bahawa kita masih hidup ataupun tidak lumpuh saat dan ketika itu? Badal haji ini juga boleh dilakukan apabila anda disahkan mengalami lumpuh.

2.     Hibah RM80,000 dan ditinggalkan kepada waris dan sesiapa sahaja yang anda hibahkan. Ianya bersamaan dengan RM6,666/ sebulan, cukup untuk memberi tempoh bertenang kepada isteri untuk memulakan hidup baru selama setahun, sebelum si isteri mencari jalan membesarkan anak-anak. Inilah pelan pengganti gaji yang sangat murah dan mampu dimiliki oleh sesiapa saha.

3.     Hibah khas meninggal di Mekah, sehingga 200% jumlah dilindungi jika anda mengalami lumpuh ataupun meninggal di Mekah ketika sedang melakukan ziarah (umrah/ haji).

4.     Jumlah hibah tadi layak untuk diwariskan hanya selepas 3 bulan anda mula mencarum, bukannya selepas 100 tahun (60,000/50/12 = 133 tahun). Sebaiknya jangan bertangguh kerana lebih baik kita tinggalkan sesuatu untuk anak isteri jika apa-apa yang tidak diingini berlaku kepada diri kita se

Pelaburan Unit Amanah

Pakej swasta untuk membolehkan anda pergi menunaikan haji berharga RM30,000 dan mungkin lebih.

Jika anda ingin melakukan haji dalam tempoh 10 tahun tanpa melalui Tabung Haji (kerana masa menunggu yang lama), anda mungkin juga boleh pertimbangkan membuat pelaburan di dalam unit amanah Kenanga Investors Berhad.

Katakan anda merancang untuk melakukan haji pada tahun 2024.

Kos haji pada 2014 adalah = RM30,000.

Kadar inflasi untuk haji, katakan pada kadar 4% setahun.

Oleh itu, kos pada 2024 adalah sebanyak RM44,400.

Anda memerlukan sebanyak RM44,400 untuk menampung perbelanjaan menunaikan haji pada tahun 2024 dengan mengikut pakej swasta dan bukannya melalui Tabung haji.

Dengan simpanan permulaan sebanyak RM1,000 bersama Kenanga Investors Berhad dalam dana Kenanga Shariah Growth Fund yang memberikan purata pulangan 12% setahun, dengan tempoh simpanan selama 10 tahun, anda perlu menyimpan dan melabur sebanyak RM206 sebulan.

Katakan jika anda mengambil kedua-dua inisiatif yang saya katakana tadi, dengan sumbangan bulanan sebanyak RM50 + RM206 = RM256 sebulan.

Andaikan pada tahun ke 8 , iaitu pada 2022, sesuatu terjadi pada anda yang tidak memungkinkan lagi anda untuk terus menyimpan (cth: lumpuh atau meninggal), berapakah jumlah yang anda dapat hibahkan pada anak isteri anda?

1.     Jumlah pampasan hibah daripada MAA Takaful: RM80,000 (Nilai sebenar adalah lebih kerana MAA Takaful melakukan badal haji, qurban, waqaf dan khairat kematian yang semuanya berjumlah RM7,000)

2.     Jumlah pelaburan unit amanah Kenanga Investors Berhad : RM31,420

3.     Jumlah terkumpul yang dihibahkan pada anak isteri : RM111,420.

Bandingkan jika anda menyimpan dalam ASB sebanyak RM256 sebulan dalam masa 8 tahun dengan kadar purata keuntungan 8%.

Jumlah yang boleh diberikan kepada anak isteri (ambil masa yang lama melalui Amanah Raya) hanyalah sebanyak RM32,680.

Perbezaan sebanyak RM111,420 – RM32,680 = RM78,740.

Soalan saya, anda mahu yang mana?

Read More

Semak Polisi Insurans Anda!

Salam,

Terjumpa posting menarik ni dalam Facebook, real life dan real situation.

Rasa terpanggil untuk kongsi dengan semua orang.

Jadi kalau yang membaca ni dah ada polisi takaful dan medical card, rajin-rajinlah semak dan study.

Kalau rasa leceh, tak pandai nak semak, boleh contact saya untuk saya review kan dan semak.

Jangan kerana ambil polisi ddengan kawan baik, kita yang tak dapat benefit.

Read More

Dapatkan Polisi Takaful Anda Secara Percuma

1.     Ramai orang mencari cara untuk berjimat di saat harga barang yang naik dan tidak berkadaran dengan kadar kenaikan gaji. Alternatif terbaik adalah dengan mencari jalan ‘menaikkan’ gaji sendiri dengan mengurangkan perbelanjaan dan membuat kerja-kerja sampingan yang lain.

2.     Aktiviti mengurangkan perbelanjaan adalah cara paling mudah meningkatkan gaji sendiri. Bezakan dahulu antar keperluan dan kehendak dan buang yang mana yang tidak perlu. Sebagai contoh, mungkin cuma langgan pakej paling murah Astro berbanding membayar ratusan ringgit dengan pelbagai saluran hanya untuk menghabiskan 1-2 jam sehari di depan TV. Mungkin juga boleh guna talian telefon prabayar berbanding pasca bayar. Saya dapati ‘bil’ saya lebih jima menggunakan talian prabayar Tunetalk berbanding ketika saya menggunakan talian pasca bayar Digi dan Umobile dahulu. Terpulang, kerana kadar penggunaan telefon berbeza mengikut individu.

3.     Jika anda mempunyai polisi takaful sama ada kad perubatan ataupun insurans nyawa, dahulukan bayaran sumbangan bulanan tersebut dahulu berbanding bayaran yang lain.

4.     Anda boleh berjimat sebenarnya dengan memiliki polisi-polisi takaful ini. Di dalam laman rasmi Lembaga Hasil dalam Negeri, item 21 dan 24 menyatakan dengan jelas kadar ‘claimable’ sehingga RM6,000 dan RM3,000 masing-masing.

http://www.hasil.gov.my/goindex.php?kump=5&skum=1&posi=3&unit=1&sequ=1

5.     Jika anda pekerja kerajaan, anda adalah warganegara yang paling banyak mendapat faedah di bawah item 21. Memandangkan anda tiada sumbangan dalam KWSP, maka jumlah ‘claimable’ sebanyak RM6,000 itu boleh dituntut untuk setiap premium/ sumbangan takaful yang anda lakukan untuk insurans nyawa. RM6,000 / 12 bulan = RM500 sebulan.

6.     Dengan bayaran RM500 sebulan, dengan memiliki satu polisi takaful hayat dengan MAA Takaful, anda dilindungi sebanyak RM1,700,000.00 untuk diwariskan kepada keluarga dan anak-anak. (Untuk peserta berumur 30 tahun – Lihat ilustrasi). Polisi ini juga dating bersama dengan pelaburan, yang mana ditunjukkan dalam Senario 1 dan 2.

7.     Senario 1 mewakili ‘worst condition’ manakala Senario 2 adalah sebaliknya.

8.     RM500 sebulan yang disumbangkan itu boleh dituntut balik daripada LHDN, dan akhirnya menjadi percuma juga.

9.     Akhirnya anda memiliki satu polisi insurans hayat + pelaburan dengan harga sifar.

10.  Jika anda pekerja kerajaan mahupun pekerja swasta yang potongan tahunan KWSP kurang daripada RM6,000, gunakanlah lebihan peruntukan itu untuk mengambil manfaat dalam polisi takaful.

11.  Jika tidakpun menjadi percuma (untuk pekerja swasta), sekurang-kurangnya anda telah dapat mengurangkan sumbangan bulanan untuk polisi takaful anda.

12.  Untuk item 24, jumlah boleh dituntut adalah sehingga RM3,000 sebulan, untuk kad perubatan dan pendidikan.

13.  Di MAA Takaful, sumbangan RM250 sebulan (RM3,000/12) membolehkan anda mendapat kad perubatan P300  bernilai RM150,000 setahun, tiada had sepanjang hayat, guaranteed renewal, tiada bayaran co-takaful, duit elaun RM300 sehari jika masuk wad, lengkap dengan Personal Accident policy bernilai RM10,000 dan juka Takaful Khusus sebanyak RM7,000 yang merangkumi perkhidmatan badal haji (jika kematian pemegang policy), qurban dan waqaf yang dilakukan oleh MAA Takaful bagi pihak pemegang policy. Polisi ini juga turut datang dengan saving/ simpanan dan pelaburan.

14.  Jumlah RM250 sebulan atau RM6,000 ini juga boleh dituntut dari LHDN yang akhirnya menjadi percuma juga.

15.  Anda cuma perlu bayar untuk tahun pertama sahaja. Tahun kedua dan seterusnya, gunalah wang yang diperoleh daripada LHDN untuk membayar sumbangan polisi anda untuk tahun-tahun seterusnya.

16.  Yang berminat dan mahu dapatkan quotation percuma daripada saya, bolehlah diusulkan melalui email (zunaidi.ahmad@gmail.com) atau pun di talian 01115484137.

ADAKAH YANG LEBIH BAIK DARIPADA BENDA PERCUMA INI?

Read More

3 Myth in Unit Trust Investment

Myth No. 1 - Unit Trust is Short Term and Speculation Based

Ramai tend to treat unit trust like stock moving in or out, and tunggu masa sesuai to buy low and sell high. Salah satu roadblock terbesar investors adalah IMPATIENT atau pun KURANG SABAR. Always translated that impatient investors macam those impatient drivers on our roads. These drivers always drive recklessly, always mindful of what the other lanes are doing and switch lanes and cut in front of someone else without fail to annoy other drivers. Yes, they might save few minutes but they don’t aware of the dangerous behavior resulting from the IMPATIENT manners.

Translate that into investment terms and you will have investors who like to take on too much risk for uncertain goods.

Unit trust (especially equity funds) is always about a long term investment.  Kalau tak ready untuk bersabar, for at least 3 years, or more then you are playing a loser’s game. Investors yang tidak sabar juga boleh jadi an easy prey. Mereka senang dimanipulasi, easily change lanes, and change lanes again, and these changes and new fund will always given inadequate time to perform. Always switching fund is costly, if you are aware in this industry.

For those investors yang always 24/7 looking and watching the market, you should have better things to do or even looking for other investment opportunity for the next 5 or 10 years.

Investors  yang sabar mungkin kelihatannya boring, tapi merekalah yang dapat tidur nyenyak sepanjang malam dan boleh tumpukan perhatian mereka pada benda lain dalam life.

2. Myth No. 2 – Cheap is better

The lower the unit price, the better the investment. FALSE.

Fund performance does not depend on the fund price, but strictly depends on how the underlying assets held by the fund perform.

Fund A unit price at RM2/unit.

Fund B unit price at RM0.50/unit.

Assuming both funds invest in the same stock markets and the minimum investment amount for the both funds is RM1,000.

This means you are investing RM1,000 in either funds and you will have RM1,000 value of stocks.

So when investing, price really doesn’t matter.

3. Myth No. 3 – Unit Trust Fund is too Expensive

Bab ini kena cerita pasal struktur unit trust company and other related party which can be summarized in this table.

The is over and above the entry fees, ranging from 5.5 – 6.5%.

Hakikatnya jika seseorang tu nak melabur sebagai seorang individu, kos dikeluarakn adalah lebih banyak.

Kalau melabur bersama Kenanga, entry fee dikenakan untuk pelaburan equity RM10,000 baru RM521, compare dengan pelaburan individu seperti table di atas.

You are actually paying for a professional manager at an inexpensive price to manage the investment for you. The fee that you pay is to appreciate the fund manager who takes time, effort and his expertise doing research stocks and sectors to pick the best 30 or 50 stocks and buy and sells them for you.

Read More

Ahad Kembali Ke KL

Ahad, 3 Ogos 2014 insyaallah ke KL meneruskan rutin kehidupan bekerja. Andai ada orang Terengganu yang berminat tentang perlindungan takaful dan juga peluang pelaburan bersama Kenanga Investors Berhad jangan segan untuk hubungi saya @ 01115484137.

Tak perlu isi borang sebab memang saya tak bawa apa-apa borang pun. Cuma niat untuk bagi awareness, kepentingan dan keperluan setiap produk dengan cara hidup anda.

Jangan lupa doakan saudara kita di Gaza.

Salam sayang,

Zunaidi

Read More