ameant
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aku ikut member join je... so tak tau nak cerita apa 
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Unit Trust VS KWSP
- Thread starter Hidier
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Hidier
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aku ikut member join je... so tak tau nak cerita apa
oo..ok la tu...ada member ajak ke jalan yg elok..
aizat1612
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salah topik ehh.. hehe..
so topik yg betoi tu apa ye?
sbbnya kwsp boleh dikeluarkan utk labur kat unit trust...ermm tak kisah laa... asalkan kita tahu apa yg kita nk cakapkan tak jadi masalah...
benda yang baik kita harus buat kan...
unit trust ni middle to long term... simpan kat unit trust utk menambahkan lagi value kwsp kita...dan utk duit PerSaraan kita juga..
hazri99
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simapn dlm epf 4%.. kasi invest dalam 8-12%.. mana mahu..
Hidier
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Hidier
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Hidier
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sekiranya anda invest unit trust melalui kwsp, tahukah anda berapa lama masa yang diperlukan / dibolehkan untuk invest di dalam unit trust?
aizat1612
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betul tu..nak yang mana?
tepuk dada tanya selera..
selera besar, selera kecik..?
tak cuba..tak tau...
8-14% tu minimum je...
kalo fund tu ok boleh pegi sehingga 30%.. ok kan?
so apa tunggu lagi...laburlah skrg utk masadepan kita..
Hidier
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ableze_joepardy
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pengeluaran dana KWSP untuk pelaburan unit amanah merupakan 1 peluang yg baik kepada pelabur yang pandai mengambil peluang. tapi kena la fikir masak2 jangan main hentam keromo je.
secara general pulangan unit trust > kwsp. tapi statement general unit amanah profit 10%-15% perlu dielakkan kerana ia amat misleading dan bersifat promotion semata2. kalau anda melabur unit trust sbb ayat tu, baik hentikan, dan labur dalam ASN, ASW etc.
penjelasan:
1. 10%-15% adalah purata, namun x bermakna setiap tahun dapat range tu je. ramai yg salah anggap sbb semua igt mcm asb, average 8%, so tiap2 tahun dpt dlm 7-9%. purata 10% boleh jadi tahun ni -20%, tahun dpn 40%.
2. tang performance tu pulak kita kena tgk sama ada ia adalah real performance or relative performance. contoh:
statement: unit trust average 10% setahun.
kita igt: oo aku invest 10k 2011, 2012 dpt 20%
sebenarnya: tahun 2011 loss -20%, tahun 2012 naik 40%. still average 10%.
kita ingat: ok la, 2012 naik 40% balik. so pelaburan aku 10k x 40% = 14k. untung 4k woo.
sebenarnya:
- labur 10k, 2011 loss -20%. balance = 8k
- 2012 untung 40% = 8k * 40% = 11.2k je..
- nett profit 1.2k utk 2 tahun, rm600 setahun.. dalam 6% p.a.
tu pon kalo x withdraw time drop tu.. huhuhuh...
kita dgr = 10-15%
kita dpt = 6%
kita igt = 14k
kita dpt = 11.2k
so skali lagi, before anda guna duit hari tua anda, better fikir masak2. this option is supposed to assist your retirement, not to assist agent cari makan.
ok frankly, i myself also planning to use my EPF fund (of course with strategy). skrg just waiting for the right time. for me skrg might not be a good time. euro/us crisis. PRU also is coming. something similar with 2008 might happened. but this is my own opinion, no detail research was done. so pls dont use this as your sole justification. just sharing my thought.
tapi bagi sapa2 yg nak utilize fund EPF, cara utk maximize pengeluaran dana adalah 3 month before your next birthday. lps tu setiap 3 bulan buat pengeluaran.
good luck.
secara general pulangan unit trust > kwsp. tapi statement general unit amanah profit 10%-15% perlu dielakkan kerana ia amat misleading dan bersifat promotion semata2. kalau anda melabur unit trust sbb ayat tu, baik hentikan, dan labur dalam ASN, ASW etc.
penjelasan:
1. 10%-15% adalah purata, namun x bermakna setiap tahun dapat range tu je. ramai yg salah anggap sbb semua igt mcm asb, average 8%, so tiap2 tahun dpt dlm 7-9%. purata 10% boleh jadi tahun ni -20%, tahun dpn 40%.
2. tang performance tu pulak kita kena tgk sama ada ia adalah real performance or relative performance. contoh:
statement: unit trust average 10% setahun.
kita igt: oo aku invest 10k 2011, 2012 dpt 20%
sebenarnya: tahun 2011 loss -20%, tahun 2012 naik 40%. still average 10%.
kita ingat: ok la, 2012 naik 40% balik. so pelaburan aku 10k x 40% = 14k. untung 4k woo.
sebenarnya:
- labur 10k, 2011 loss -20%. balance = 8k
- 2012 untung 40% = 8k * 40% = 11.2k je..
- nett profit 1.2k utk 2 tahun, rm600 setahun.. dalam 6% p.a.
tu pon kalo x withdraw time drop tu.. huhuhuh...
kita dgr = 10-15%
kita dpt = 6%
kita igt = 14k
kita dpt = 11.2k
so skali lagi, before anda guna duit hari tua anda, better fikir masak2. this option is supposed to assist your retirement, not to assist agent cari makan.
ok frankly, i myself also planning to use my EPF fund (of course with strategy). skrg just waiting for the right time. for me skrg might not be a good time. euro/us crisis. PRU also is coming. something similar with 2008 might happened. but this is my own opinion, no detail research was done. so pls dont use this as your sole justification. just sharing my thought.
tapi bagi sapa2 yg nak utilize fund EPF, cara utk maximize pengeluaran dana adalah 3 month before your next birthday. lps tu setiap 3 bulan buat pengeluaran.
good luck.
