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Author: green~tea

Persiapan utk Retirement

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 Author| Post time 6-8-2020 11:58 AM | Show all posts
@Eliadaisy83  refer my post #77 on unit trust
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Post time 6-8-2020 12:28 PM | Show all posts
Edited by ibu_haritz at 6-8-2020 12:35 PM
green~tea replied at 6-8-2020 08:18 AM
@Heydidle kat sini i dah citer detail lengkap dgn links.. start small la sbb market tgh bullish pun  ...

Sori sis..nak tanye, klu xde kwsp boleh ke nk invest UT dkt situ?
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 Author| Post time 6-8-2020 12:59 PM | Show all posts
ibu_haritz replied at 6-8-2020 12:28 PM
Sori sis..nak tanye, klu xde kwsp boleh ke nk invest UT dkt situ?

u register terus public mutual online bawak IC u, masukkan mobile phone for TAC etc...

lepas balik rumah.. u log in laa public mutual online situ and u register la your bank account utk transactions jual beli...

if you have kwsp, boleh laa gunakan i-kwsp website, bagus sbb dia punya website bleh view performance unit trust pelbagai jenama spt kenanga, public mutual, PPA, CWA
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Post time 6-8-2020 01:11 PM | Show all posts
green~tea replied at 6-8-2020 12:59 PM
u register terus public mutual online bawak IC u, masukkan mobile phone for TAC etc...

lepas ba ...

oo..ok2..slalu min brp ye utk invest UT ni?sorilah byk tanye..sbb baru ade kesedaran nk buat saving semula..
umur dah 38 tp saving sedeyyyyyy..



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 Author| Post time 6-8-2020 01:17 PM | Show all posts
ibu_haritz replied at 6-8-2020 01:11 PM
oo..ok2..slalu min brp ye utk invest UT ni?sorilah byk tanye..sbb baru ade kesedaran nk buat savin ...

dulu i pernah masuk rm500 sebulan, utk unit trust cash
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Post time 6-8-2020 02:41 PM | Show all posts
green~tea replied at 6-8-2020 01:17 PM
dulu i pernah masuk rm500 sebulan, utk unit trust cash

brp lama boleh dpt semula pulangan?
kena guna agent atau manage sendiri?
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 Author| Post time 6-8-2020 02:43 PM | Show all posts
ibu_haritz replied at 6-8-2020 02:41 PM
brp lama boleh dpt semula pulangan?
kena guna agent atau manage sendiri?

i manage sendiri je... agent nnti ada fee and u tak dapek le nak keluar dari dia sampai bebila
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Post time 6-8-2020 02:49 PM | Show all posts
green~tea replied at 6-8-2020 02:43 PM
i manage sendiri je... agent nnti ada fee and u tak dapek le nak keluar dari dia sampai bebila

ohoiii..kene byk bljr lagi ni...susah tak nk manage? iols mmg zero lah pasal ni..tqsm sis..byk ilmu yg uols dh terangkan..
kena telek satu2 slowly..


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Post time 6-8-2020 03:12 PM | Show all posts
mamaida28 replied at 21-7-2020 12:21 PM
saya pun mula buat plan dgn suami..saya lagi 14 tahun dan suami lg 13 thn (inshaallah bersaralah). P ...



saya pun plan nak belajar menjahit...dah 40-an baru nak belajar..huhuhuhu

well better late than never..

mana tau dapat ambil upah menjahit ocne dah retire nanti...


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Post time 6-8-2020 03:26 PM | Show all posts
green~tea replied at 24-7-2020 11:13 AM
Okay, thats why i nak tau umur u berapa, so that i can gauge your "health", beginner level ke, int ...

bestnya jadi awak green tea...byknya duit investment u!!

alhamdulillah rezeki sgt2 tu

ai ni baru dok menapak dan menabung wpun umur dah 40-an

tapi alhamdulillah jugak...syukur seadanya...

terimakasih bukak therad ni tau! byk belajar dari u dan forumers lain

so far adalah simpanan sikit2 kat asb..baru jer cecah 6 figures for the first time sejak ada duit moratorium ni..hihi..
alhamdulillah

epf pun ada lah beberapa ratus K...
unit trust public mutual ada 150k
rumah ada untuk tinggal sendiri with family(landed) dan satu lagi apartment disewa

itu sajalah rezeki setakat ni..syukur pada ALLAh
tapi anak2 kecik lagi..masih jauh perjalanan mereka...Allahu....semoga dipermudahkan..

perancangan utk retirement: maybe jadi professional coach/trainer since i'm in IPT for more than 20 years dah...
also buat bisnes sikit2 (tak tau lagi bisnes apa) adehhh

thanks green tea for sharing!!




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Post time 6-8-2020 03:31 PM From the mobile phone | Show all posts
Unit trust bukan ke after 5 tahun baru boleh withdraw? I pon ada invest juga bawah agen. Klu blh manage sndri lagi best ni
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 Author| Post time 6-8-2020 03:51 PM From the mobile phone | Show all posts
naina replied at 6-8-2020 03:31 PM
Unit trust bukan ke after 5 tahun baru boleh withdraw? I pon ada invest juga bawah agen. Klu blh man ...

Taklah.. ok je nak beli and redeem bebila
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 Author| Post time 6-8-2020 03:53 PM From the mobile phone | Show all posts
fossil replied at 6-8-2020 03:26 PM
bestnya jadi awak green tea...byknya duit investment u!!

alhamdulillah rezeki sgt2 tu

youre doing great lah sbnrnya fossil.. lepas ni bila dah byk menabung, jgn lupa reward diri sendiri once in a while... supaya kita continue motivated utk invest... kalo asik investttt je tanpa reward, you will be exhausted
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Post time 6-8-2020 04:18 PM | Show all posts
green~tea replied at 6-8-2020 03:51 PM
Taklah.. ok je nak beli and redeem bebila

Sis, klu tak keberatan share cara ringkas sket mcmane nak manage sendiri UT ni..
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 Author| Post time 6-8-2020 04:29 PM From the mobile phone | Show all posts
ibu_haritz replied at 6-8-2020 04:18 PM
Sis, klu tak keberatan share cara ringkas sket mcmane nak manage sendiri UT ni..

u bleh refer kat posting i number 77 kat atas.. i dah share link kat situ.. mmg ada screenshot siap2.. no need to reinvent the wheels, i pakai apa je yang ada
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Post time 6-8-2020 04:37 PM | Show all posts
green~tea replied at 6-8-2020 04:29 PM
u bleh refer kat posting i number 77 kat atas.. i dah share link kat situ.. mmg ada screenshot sia ...

wokeyyy..tq
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 Author| Post time 6-8-2020 05:07 PM From the mobile phone | Show all posts
Untuk starter, kena ada saving and investment. kena ada cara untuk percepatkan saving kita, simpan untuk your liquid assets.. ASB tabung hajj etc.... Then beli saham, beli properties

Once cash da cukup through savings.. then beralih ke level leveraging.. contoh leveraging is ASB loan. ASB loan is not suitable for NEWBIE/ Starter... takleh bergantung pada dividen ASB hasil buat LOAN...  use ASB loan utk cepatkan kenaikan siling limit ASB 200k, kasi beranak cepat 1 mil... kena sabar, jgn usik duit tu... if not, carum je la cash bulan2 masuk ASB... ok je camni

once dah complete level ni, then move towards improving life.. your LEGACY... for certain people maybe interms of side income turns main income post retirement...

also financial planning must consist of insurance for security of our cash.... insurance bukan investment, but that MUST cover when times of emergencies so that tak kacau our cash... medical, life, critical illness etc...

Also financial planning must consist of investment towards diri sendiri.. knowledge, kursus, membaca, develop skills.... Tak guna duit banyak tp mentality masih di takuk lama

Investment terhadap sendiri tak kisah lah untuk upgrade skills ke, knowledge on investment ke,
and jaga lupa untuk reward urself secara berpada bila dah dapat pulangan...  Self reward ni utk motivate diri.. kalo continuous saving or invest you will drain yourself
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 Author| Post time 6-8-2020 05:08 PM From the mobile phone | Show all posts
bleh jugak refer financial planning pyramid... have we covered it all? Key word is Diversify...bak kata pepatah never put all your eggs in one basket

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Post time 6-8-2020 05:39 PM | Show all posts
green~tea replied at 6-8-2020 05:07 PM
Untuk starter, kena ada saving and investment. kena ada cara untuk percepatkan saving kita, simpan u ...

baiklah sis

very good advise from you

i followwwwwwwww

bab reward diri tu setuju sgt....sekali sekala kita reward diri sendiri

in my case...beli la tudung, baju utk pi opis

tukar2 handbag yg affordable

and bawak family holidays

seadanya kan!!




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 Author| Post time 6-8-2020 05:58 PM From the mobile phone | Show all posts
fossil replied at 6-8-2020 05:39 PM
baiklah sis

very good advise from you

I beli handbag mcm setahun sekali gitu je.. during my birthday month.. tahun ni tak membeli handbag, sbb PKP.. emmmm...

And my husband suka baikpulih kereta antik dia... beli manual, attend tuning courses, wiring courses... as long as i tengok dia happy doing his passion and tak berhabis bergolok bergadai.. go aheas...
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