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Himpunan teknik teknik loan ASB

Posted 20-11-2012 at 07:23 PM by alphaOne

Quote:
Originally Posted by ikeda View Post
1st thing....you have to ensure 20k+60k is for what purpose?
Adakah ianya Simpanan/Saving?
Simpanan pula banyak jenis,,,,

EMERGENCY FUND
Ada yang sebagai emergency fund(6bulan or 12bulan) utk swasta kerja kilang macam saya....or at least 3bulan untuk gov servant..

For future/designated purpose
Seperti untuk hantar anak belajar ke University or Oversea Study.
Untuk percutian(Fancy Holiday)..
Untuk beli well branded hand bag or luxury watch

Bila anda clear apa itu Saving maka anda semestinya sudah bersedia untuk menjadi Pelabur berhemah...

Utk pengumpulan cash by individual account...teknik 1 menjadi pilihan...dan untuk keep maximum ROI perlu lakukan terminate loan dan re-apply yang baru...

Teknik 2 adalah sangat bagus dari segi ROI dan mungkin paling sesuai untuk yang beginner sehingga otai-otai..

Jika anda confuse ataupun teragak-agak teknik mana yang hendak dipilih,,,,maka pilih lah dahulu teknik 2 dan sambil-sambil itu anda cuba fahami Principal vs Interest(Ammortization): Potential Gain : Profit/Loss Cut : Risk Management : Portfolio Diversify : Investment Balancing...

Dalam investment tidak ada term Berani or Pengecut untuk tanggung Risiko.... You have to Plan and study the RISK...because if "YOU FAIL to PLAN" it is equal to "YOU PLAN for FAIL"...Dan tiada gunanya jika anda TIDAK BOLEH TIDUR kerana memikirkan sesuatu INVESTMENT yang anda ceburi..it is waste your time dan menganggu Nikmat anda Tidur LENA...

So nasihat saya,,anda perlu analyzed your risk factor pada setiap investment...balancing Bond and Equity sebaik mungkin,,diversify investment(Weither HYIP,Legal or Not Investment,Active or Passive Income) supaya total ROI anda dalam Intact....and Last but not Least is Insyurans/Takaful to protect your wealth...Untuk Swasta please Protect your KWSP account 1 carefully,,and use smartly for better POTENTIAL GAIN..do not simply gamble your retire money..

Maaf kiranya tidak menepati Jawapan yang dikehendaki.
Panduan berguna dari bro Ikeda
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