Cukupkah hanya dengan EPF

Friday, March 26, 2010

Cukupkah hanya dengan EPF

"Lebih kurang 70% daripada penyumbang-penyumbang yang mengeluarkan wang simpanan KWSP mereka pada umur 55 tahun habis membelanjakan wang simpanan tersebut dalam tempoh tiga tahun."
~ Kumpulan Wang Simpanan Pekerja (KWSP) ~
(Sumber: NST, 27 Disember 2008)

Comparison on Investment Return

Thursday, March 25, 2010

Comparison on Investment Return

Let say you have some RM20,000 of money and you are still wondering which instrument you would like to invest your money.

Here we compare the investment base on Unit Trust, ASB and EPF. For the fixed depositm, we should left out as the rate is between 2.5% to 3% per annum.

Rate o return pe annum: 
Let say, ASB(8%), EPF(4.5%), Unit Trust (12%)
Investment period: 15 years
Initial Investment: RM20K

Then your estimated return for 15 years as follow:

ASB:RM63,443
EPF: RM38,705
Unit Trust: RM109,479

When you see above figure, the different among above instrument is very huge.

Merket rises further as on 24th March 2010

Wednesday, March 24, 2010

Merket rises further as on 24th March 2010

Written by Insider Asia

Wednesday, 24 March 2010 17:25

Asian stock markets rose further on Wednesday, March 24 on renewed optimism over the outlook for the global economy. This follows overnight gains on Wall Street, as well as a large jump in Japan’s trade surplus. The gains in Asian stocks buoyed shares on Bursa Malaysia, which extended its gains for the second day, on much higher volume. Interest was also buoyed by local glove-makers on expectations they will benefit from the recent passing of the US healthcare reform bill. The FBM KLCI rose 4.6 points to 1,309.5, on top of Tuesday’s already sizable 11.2-point gain. Trading volume continued to improve, rising from 908 million to 1.14 billion shares. Market breadth was positive with advancing stocks beating declining ones by a nearly 2-to-1 ratio. Actively traded stocks include Time dotCom, AEM, JCY, KNM and MAS. Glove makers such as Top Glove, Kossan and Hartalega were among the day’s top gainers. Losers include Genting, Hai-O and Ho Hup. Investors in the region were heartened by Wall Street’s continuing uptrend. The Dow Jones Industrials Average has risen for much of the last week, with its rally interrupted for only a day – last Friday. The index is now trading at its highest level in 18 months. While Wall Street’s Monday gains were sparked by the passage of the historic healthcare reforms bill, Tuesday’s rally came amid data showing February existing-home sales falling less than expected. Still, worries over Greece remain ahead of the European Union summit on 25-26 March 2010, as there are concerns over whether European countries will agree to a support package. This is weakening the euro versus the greenback. But for now at least, investors took heart from Wall Street’s rally and recent assurances by the US Federal Reserve that interest rates will stay low for an extended period. Locally, investors will also eagerly await the New Economic Model and the InvestMalaysia Conference.

KWSP vs Unit Trust

KWSP vs Unit Trust

When comparing EPF and Unit Trust, there's some few points that EPF members should look upon. EPF alone is not good enough to support your expenses during your retirement.







Some people need more than RM1mil after retirement in order to survive.

Pelaburan KWSP

Pelaburan KWSP

Berikut adalah contoh bagaimana anda boleh mengeluarkan simpanan KWSP anda untuk pelaburan unit amanah.
Pada asasnya, anda boleh mengeluarkan 20% daripada perbezaan antara jumlah simpanan anda dan simpanan asas Akaun 1.
Di bawah ditunjukkan Simpanan asas yang perlu ada dalam Akaun 1:

Umur (Tahun)	Simpanan Asas (RM)	Umur (Tahun)	Simpanan Asas (RM)
18	1000	37	34000
19	2000	38	38000
20	3000	39	41000
21	4000	40	44000
22	5000	41	48000
23	7000	42	51000
24	8000	43	55000
25	9000	44	59000
26	11000	45	64000
27	12000	46	68000
28	14000	47	73000
29	16000	48	78000
30	18000	49	84000
31	20000	50	90000
32	22000	51	96000
33	24000	52	102000
34	26000	53	109000
35	29000	54	116000
36	32000	55	120000

Anda perlu tambah sekurang-kurangnya RM5k daripada Simpanan Asas anda berdasarkan tahap umur untuk melayakkan anda mengeluarkan simpanan dalam Akaun 1 untuk dilaburkan di Unit Trust Fund yang terpilih

Start Early to create your wealth

Start Early to create your wealth

For young men, its better to start planning for your retirement  in the early stage of your employment. This is to avoid any shortfall during your retirement.

To make this thing happen, unit trust investment should be your ideal choice as the advantages of this type of investment could be summarize as follow:

1) Professionally managed by the best fund manager in this business.
2) Access to different type of stocks
3) Liquidity - as you can withdraw your investment without having to wait for another invester to buy your units.
4) Advantages of compounding
5) Regularity of investment as in some cases, you could invest as low as RM100 at each investment after RM1000 initial investment