Jangan Malu Bertanya !!! Is it wrong to ask? Have a time to buy&read about financial/investment books?
Bingung?dont be, coz this is my self-reminder about how this life is going on..so,by remind myself,sia always wanna learn sometg which i duno,but play a great role in my life - MONEY!!
Before i started go Uni, a friend of mine told me that a good way for investment, is using your 1st salary to buy a house!!not a car,which lots of us do it now (including myself!) why?coz,the earlier u buy house,then u have long time to pay that house loan sebab masih muda bah, compared to car since u might change it someday!! but once u have that house,never stop to invest,coz that house is not profitable if u stay inside..faham?bayangkan like this,u buy a big house, isi with lots of stuff, using loan banks, then someday ur house terbakar!! habis semua barang and ur investment dalamnya,kena bayar loan lagi,so? hutang keliling pinggang bah...
Two days ago,sia start balik beli magazine Men's Health, April 2009 issue..was blessed coz see this article from Peter Lim..what he said really make sense..BTW,sia pun ada put link blog dia di sebelah atas kanan..p tinguk and learn sometg yah..anyway,sia pun akan write apa yang dia cakap dari article dia:
1. Never buy house that is more than 2.5 times from ur household total income !! Contohnya,if gaji setahun suami RM 50000,and isteri RM40000, jgn bli rumah yang lebih dari RM225000..
-apa jadi if beli juga? u end-up with no saving but spent ur money just to pay the loan..
2. 20% from your net-income is the target amount to save monthly !!
- memang susah if kita bercakap tg menyimpan,ada ja yng mau dibeli,but make it as habit..u can start from 10% dulu,kemudian suit urself naik ke 20%..believe me,this is like exercising ur mind of long term investment..ingat,jgn menyimpan with what's left after spending but berbelanjala apa yg tgl after meyimpan!!
Ada lg yang dia cakap,but ini yang sia rasa most important aat the moment for us..Then, sia juga mau shared my knowledge yang sia dapat selama ini..macam sia cakap tadi,investment!! whatthe hell is that? well,banyak bah now investment or real estate or unit trust from banks..Sia plan mau join Public Mutual unit trust from Public Bank,so far among the best malaysia..but duno whether it is volatile..but that is a risk to take! but dun worry,u still can take unit trust from Maybank,coz it is secured by goverment's bon..so whatever happen inthe market, it's always profit come to you..
kamu fahamka? macam ini,bayangkan dimana profit kamu dapat from menyimpan after 10-20 years? so,if kamu meyimpan,kamu pun mau extra duit,itula part of unit trust!! they use ur simpanan to invest,and after certain time (kamu pilih 5,10 or 15thn),bulan2 bayar, dapatla hasil dia..kira macam Amanah Saham Bumiputra!!
Why i bring this matter? coz sia mau highlight pada JM,Jags..where do you put your money from oversea? spending spree? For the God's sake, have an investment esp unit trust,coz u wont be there till u retired,kan? both of ur currency, Euro and Pounds have a strong value if change to RM,jadi i rely dun want u all waste that value..sia banyak jumpa pesakit yang muda2 kerja di Oversea,gaji tinggi but dun have plan for future..once plg sini sudah,berusia,sakit and cant do operation coz cant afford the fee...As what i said,we learn from somebody's experienced,kan?
Jags,that is very good when u have sometg to tell/advice regarding ur engineering field..glad i have so many friends in engine/IT/teaching field..hopefully, a friend of mine from accountancy will give us advice here too..Anybody??
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4 comments:
Finance?
I don't know if i'm good or bad at it.. but i'm always thinking about my futures. I Bought some lands and houses for the future investments already. Car, i would like to buy like before, but my heart kept delaying it. This recession makes me think twice i guess. Unit Trust?? I didnt join it. But i do maxed my ASB loan. Have a couple of investment insurance. It should be okay if i didnt touch it until my age reach 40. But i do know something about investments such as Fixed deposit, stock buy/sell (high risk), bon (safe but low income), Ekuiti (still have risk, higher income)...
Yeah Prim, we SHOULD have a friend in accountancy field. Better for us all. me? i might thinking to have an accountant as a wife..So she know where to put my money!!! hahaha.. just kidding!
I'm the person-who-spent-most-of-his-salary-on-stupid-entertainment-stuff. Ahk! Bila la mo start saving ni. Hutang sudala banyak gila. =p
Jags,that's awesome!! u do know about it,and what u have,ASB,is kinda of unit trust as well..just that it is well protected by goverment..wondering where u got this info!!!
JM,dulu pun sia macam tu,but after thinking/reading this kind of book,really open my mind bro!!
anyway,jangan selalu "proton saga kelabu", nanti kau selalu manyasal !!=)
P/S: JM,ko bikin sia malu2 oh di FS..hahaha
I got this info because some banks shows some disbeliefs of my income. Well i'm only 24 now..In the age of 21 i already earned RM7k average per month. So when i applied a loan, they think i cheated my payslip. Hahaha. Seriously i've been asked for my qualifications of study, that was ridiculous!!! How's my study got to do with my loan??? Hahaha...
Then they were asking so much things blablabla..., and after looking at my bank statements, they believed and offered me a variety of investments. So after being brief so many times at a different banks, i understand it a little bit.. even if not the whole thing.
Also, most of my colleagues play stocks/shares by buying online, and i can see the risk. If you are not the type that can stahd your hard-earned money vanished in a blink of eyes, do not join this!! But once its profitable, it will surpassed all other profits made by other methods of investment. I ain't got the balls for this..
For me i picked equity, because it's in the middle, where you are not too brave and not too scared in terms of investing. If you want to invest, look for a good broker to monitor it for you.
Your right Prim, i dont want to work abroad forever. I'm planning for my future since the first 3 months of my paychecks... Luckily.
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