Kisah Loan Asb #03

Kisah Loan ASB #03
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Seorang bapa ingin membuat pelaburan tambahan ASB untuk anaknya. 4 anaknya masing ada RM50 000 dalam akaun remaja ASB.

Yang Menariknya
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Dua Anak sudah mencapai umur 18 tahun. Umur yang mencukupi untuk loan ASB. Saya menyarankan beliau membuat pelaburan ASB dengan mengeluarkan RM50 000 tadi Dan membuat loan ASB. Rm200 000.

Caranya Dan cadangan
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Sebanyak 13 000 Dari 50 000 digunakan untuk membayar bayaran  setahun loan ASB RM200 000.

Baki RM37 000 disimpan Di Unit Trust Dan sebanyak RM1000 d simpan d Private Retirement scheme PRS.

Ohya gov beri rm500 free dalam PRS Anak beliau tadi.

Projectionnya
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Untuk tahun kedepan bapa tadi tidak perlu keluarkan satu sent untuk membayar loan taxi sebab beliau menggunakan rolling technique.

Anak - Anak mendapat pelaburan unit trust. 

Dan PRS.

# minggudepansignborang
#asbprsunittrust

Kisah Loan ASB #02

Kisah Unit Trust #02
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Seorang client sudah mempunyai loan ASB RM30, 000 di salah sebuah bank tempatan. Bertemu semasa minum kopi pada pagi hujung minggu. Selepas bertukar nombor telefon, kami berjumpa lagi di tempat yang sama. 

Beliau berminat nak buat loan ASB lagi.

Kisah Unit Trust #01

Crita semalam (Ahad)
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Seorang bapa mempunyai anak-anak dalam lingkungan umur 5 Tahun dan ingin membuat simpanan utk kegunaan menlanjutkan pelajaran. (Bapa yang xnak anak ambil PTPTN)

1. Berdasarkan Situasi skrg

Diploma : RM20, 000
Degree : RM40, 000

2. Selepas 15 Tahun Yuran Pengajian (Kenaikan yuran 6% GST)

Diploma : RM20, 000 jadi RM47, 000
Degree : RM40, 000 jadi RM95, 000

3. Cara Paling Mudah Simpan RM200 shj. (Dalam Unit Trust)

Simpan : RM200 Sbln
Slps 20 Tahun : RM273, 000

Dapat cover RM60, 000 seorang utk 4 ANAK..

>> Done signborang

#‪#‎Andaian‬ Kenaikan 0,15% Setahun##

Kisah Loan ASB #01

KISAH LOAN ASB MLM tadi
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Sorg Brother baru bekerja 1 tahun (swasta) umur bawah 30 tahun

Tanya saya bagaimana nak kumpul duit CASH 200k,

Tujuan : Nak Buat Downpayment Rumah and segala macam

Solusi
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Saya tunjuk loan sahaja 200k ASB, byr selama 8 tahun
>> Selepas lapan tahun pergi kat bank terbabit cakap nak terminate.

TOTAL INCOME
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A) Dividen + Bonus = RM170,186.04
B) Pemberian Oleh Bank = RM200, 000 - 172,506.00 = RM27, 494

_____RM197680.04______

SELEPAS 8 TAHUN
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1. tiada loan lagi - hidup tenang
2. tak perlu personal loan utk beli rumah baru.

>> ‪#‎donesignborang‬

>> sekadar illustrasi, dan pendapatan mungkin berbeza<<

What is ASB?

Fund Category 
Equity/Income.

Date of Launching 

20 April 2000.

Investment Objective
To provide Unit holders with a long-term investment opportunity that generates regular and competitive returns through a diversified portfolio of investments.

Principal Investment Strategy
The Fund will diversify its portfolio through asset allocation in equities,
fixed income securities and money market instruments and diversify its
equity portfolio through sectoral allocation in order to preserve the value
of the capital and generate competitive returns in the long run.

Asset Allocation 
The Fund seeks to achieve its objective by investing up to 95% of its VOF in equities, while maintaining at least 5% in other capital market instruments, inclusive of liquid assets. The investment strategy will also be designed to preserve the capital of the Fund in the long-term period while at the same time to seek potential income from its investment.

source : Amanah Saham Bumiputera

What is Unit Trust

A collective investment scheme is a form of collective investment constituted under a trust deed. As a unit trust investor, your money is pooled with that of other investors who have similar investment goals.

Unit trusts enable investors to invest in a wide range of shares, bonds and other assets using relatively small amounts of money. Fund Manager use the pool of money to buy the underlying assets – shares, property, bonds, cash or a combination of these – on local or foreign markets, depending on the type of unit trust.

Each fund is split into equal portions called units. The price of these units, also called the net asset value (NAV), depends on the value of the underlying assets. Units are priced daily because the value of the underlying assets changes on a daily basis.

When an investor invests in a unit trust, units are allocated according to the amount of money invested and the price of the units on the day they are bought.