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Author: NamaKuMawar

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Post time 29-5-2020 08:00 PM From the mobile phone | Show all posts
green~tea replied at 29-5-2020 12:46 PM
iols dah tua.... so mmg dah sedia diversify investment.. masa awal2 keje, i sibuk invest kat non liq ...

mcmn nak diversify simpanan ye. unit trust ok ke? fix deposit? blur nak study dan beranakkan duit.
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Post time 29-5-2020 08:43 PM From the mobile phone | Show all posts
Kak-Leen replied at 29-5-2020 05:47 PM
Savings akak mulakan dari awal dulu dgn syilings & duit Rm1. Hari2 atau setiap kali lepas balik dari ...

harga emas lelong kat bank rakyat mcm mana? saya tak pernah fikir beli emas kat sini, bole share
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Post time 29-5-2020 08:52 PM From the mobile phone | Show all posts
Edited by green~tea at 29-5-2020 09:00 PM
airmineral replied at 29-5-2020 08:00 PM
mcmn nak diversify simpanan ye. unit trust ok ke? fix deposit? blur nak study dan beranakkan duit.


Utamakan mana yg paling bagus.... ini in terms of simpanan ye... i susun ikut priority, dividen yg bagus and guaranteed cash savings u

1. ASB 1 (amek loan ASB penuhkan and biar ceiling simpanan naik setiap tahun, i mmg target volume, sbb i nak fund i sini jd rm2 mil by the time i retire)
2. ASB 2 (max cash 200k sini xleh loan, lepas tu biar je ceiling saving naik every year sama konsep ASB1)
3. Amanah hartanah (under maybank)
4. ASW
5. Tabung Haji

Unit trust tu kalo u rajin monitor or u have good agent ok lah... i mmg ada good agent yg uruskan my unit trust investment... i tak rekemen u keluarkan KWSP masuk unit trust tau... PLS DONT...

better utamakan fund yang confirmed diurus PNB, dan dijamin kerajaan...  dari nombor 1 until 4 tu, u penuhkan satu demi satu ikut target simpanan u... mcm i mula2 focus asb1.. lepas settle, fill in asb2... Tabung haji plak o mmg target stakat 150k saje, pastu i stop sbb i mmg target nak amek pakej haji rega gitu nnti ada rezeki sampai giliran..

gitu je la cara i diversify.... i approach maybank, masa tu amanah hartanah tak bukak tambahan investment, so maybank nasihat i simpan kat retirement fund maybank smartcash... sini mmg xleh usik minimum 15 tahun...  lepas tu bulan 4 haritu i heard maybank dah bukak amanah hartanah 400 mil fund.. dividen 2X setahun, dah siap tolak zakat.. so boleh la kalo u nak, gi register nnti kat cawangan maybank

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 Author| Post time 29-5-2020 08:52 PM From the mobile phone | Show all posts
Oldbitty1 replied at 29-5-2020 03:12 PM
Sebelum covid 19 ni kita pastikan setiap hari lebihan duit syiling masuk dlm tabung kat bawah katil. ...

Simpanan yg mcm mana ya kat koperasi tu??
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 Author| Post time 29-5-2020 08:53 PM From the mobile phone | Show all posts
amyza replied at 29-5-2020 03:16 PM
Simpan dalam tabung haji rm60 untuk anak2 setiap bulan dari lahir sampai sekarang. Duit raya pun ter ...

Betul tu..utk anak2 mmg kena buat simpanan juga..ikut mana yg mampu..kdg tu ada lebih..simpan lebih..
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 Author| Post time 29-5-2020 08:54 PM From the mobile phone | Show all posts
rospinki replied at 29-5-2020 03:49 PM
takdela byk mana..duit kecik kecik tak kira pon. kan haritu meniaga..hasil bis kecilan haritu saya ...

Betul tu kak ros..time rezeki lebat, jgn pulak kita berbelanja pun hebat jugak..kena beringat selalu..kan..
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 Author| Post time 29-5-2020 08:57 PM From the mobile phone | Show all posts
meow_tompok replied at 29-5-2020 04:01 PM
saya jadikan duit savings tak terusik sbg motivasi utk menyimpan hari2 yg seterusnya. seronok tgk du ...

A'ah..betul la..selalu jugak tgk baki dlm simpanan..rasa seronok je tgk bertambah..lagi kita rasa nak menyimpan..
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 Author| Post time 29-5-2020 08:59 PM From the mobile phone | Show all posts
fahdramli replied at 29-5-2020 04:54 PM
Pun boleh kalau macam tu. Mana2 yang sesuai la. I simpan Bila Ada dua Jeni's duit tu Saja, selain  ...

Ya Mod..ikut cara masing2..yang penting ada buat simpanan..hehe
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Post time 29-5-2020 09:02 PM From the mobile phone | Show all posts
NamaKuMawar replied at 29-5-2020 08:57 PM
A'ah..betul la..selalu jugak tgk baki dlm simpanan..rasa seronok je tgk bertambah..lagi kita rasa  ...

Betul tu.. hidup simple je lah.. tak perlu lavish lifestyle pun.. mengarut je sume tu.... hidup ikut keselesaan.. kalo malu pakai baju beg buruk, upgrade je laa sikit, then thats it, takyah upgrade bertingkek2...
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 Author| Post time 29-5-2020 09:03 PM From the mobile phone | Show all posts
Kak-Leen replied at 29-5-2020 05:47 PM
Savings akak mulakan dari awal dulu dgn syilings & duit Rm1. Hari2 atau setiap kali lepas balik dari ...

Syoknye..mcm2 cara akak simpan ye..saya ni sejenis yg kurang berminat sgt dgn emas..ade pun 2 urat gitu je..kalu byk2 tak tau la ingat ke tak..silap2 hilang gitu je....tapi saya mmg tabik la org yg pandai membiakkan duit dgn cara beli emas ni..

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 Author| Post time 29-5-2020 09:07 PM From the mobile phone | Show all posts
AceHand replied at 29-5-2020 06:22 PM
[AceHand SPECTaceLAR]

Dulu pernah beli Sijil Simpanang Premium secara tetap RM 10 sebulang... Pas ...

Smod..dulu saya ado gak SSP..tak lamo tu den jual..pikir2 dok situ..bukannye dapat ape pun..leburkan n masuk TH..
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 Author| Post time 29-5-2020 09:13 PM From the mobile phone | Show all posts
Edited by NamaKuMawar at 29-5-2020 09:41 PM
imissmyseoul replied at 29-5-2020 06:28 PM
Cara menabung -

1. Asb (simpan sendiri)


Wahhh..bagusnye..
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 Author| Post time 29-5-2020 09:22 PM From the mobile phone | Show all posts
becir replied at 29-5-2020 07:34 PM
I Baru start keje...Baru nak bernafas sebab almost setel Kan hutang time tak keje. MO I so far Dari  ...

Seronok kan dah setel hutang..sekarang ni masa utk teruskan menyimpan pulak..
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 Author| Post time 29-5-2020 09:24 PM From the mobile phone | Show all posts
airmineral replied at 29-5-2020 07:59 PM
aku simpan asb (loan) dan tambah simpanan sendiri.
pastu masuk kwsp dan TH. portion TH tu yg paling ...

Dulu aku simpan kat asb je..bukan yg loan punye tu..dulu aku paling tak suka org dok promote kat aku asb loan ni..ntah la..aku rasa rimas..aku suka simpan sendiri je..
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 Author| Post time 29-5-2020 09:29 PM From the mobile phone | Show all posts
green~tea replied at 29-5-2020 08:52 PM
Utamakan mana yg paling bagus.... ini in terms of simpanan ye... i susun ikut priority, dividen  ...

Tq kaka green tea..byk kongsi kat sini..

Amanah hartanah tu mcm mana ye kaka..mcm menarik je..
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 Author| Post time 29-5-2020 09:31 PM From the mobile phone | Show all posts
Edited by NamaKuMawar at 29-5-2020 09:32 PM
green~tea replied at 29-5-2020 09:02 PM
Betul tu.. hidup simple je lah.. tak perlu lavish lifestyle pun.. mengarut je sume tu.... hidup ik ...


Takdo nak upgrade apo2 sgt kaka..sbb sedor diri ni golongan b40 je..mmg belanja ikut kemampuan..simpan pun ikut kemampuan jugak..
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Post time 29-5-2020 09:40 PM From the mobile phone | Show all posts
Kak-Leen replied at 29-5-2020 05:47 PM
Savings akak mulakan dari awal dulu dgn syilings & duit Rm1. Hari2 atau setiap kali lepas balik dari ...

Suka baca perkongsian Kak Leen. Memang nampak cara usaha nak dapat savings tu walaupun Kak Leen kata tak bekerja. Tetap ada effort. Iols paling minat Kak Leen savings hasil jualan biskut tart then beli hadiah untuk mak dan mil Kak Leen.
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Post time 29-5-2020 09:42 PM From the mobile phone | Show all posts
green~tea replied at 29-5-2020 08:52 PM
Utamakan mana yg paling bagus.... ini in terms of simpanan ye... i susun ikut priority, dividen  ...

Kaka green kalau sharing pasal financial management 101 iols suka baca. Memang banyak input. Tak heranla savings, investment macam2. Bijak wang gitu
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Post time 29-5-2020 10:28 PM From the mobile phone | Show all posts
As for me..aku mmg giler menyimpan..tp aku spend jgk duit..balance la..kalo duit simpanan xcukup certain amount yg aku nk for each month..blh rengsa
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Post time 29-5-2020 10:59 PM From the mobile phone | Show all posts
nefnefnef replied at 29-5-2020 09:42 PM
Kaka green kalau sharing pasal financial management 101 iols suka baca. Memang banyak input. Tak h ...

Ala.. i pun belajar dari family... and dari pembacaan buku... u beli je ebook rm11 pasal asb investment sharif rahman tu.. bagus... murah pun murah...
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