14/07/2026
4 SAVINGS WAJIB ADA
Ramai orang ingat bila ada duit baru boleh menyimpan. Actually, setiap orang yg ada income mesti ada 4 jenis simpanan ni. Because setiap simpanan ni function dia berbeza.
1. EMERGENCY FUND - Tabung ni minimum kena ada 3-6 bulan gaji. Cth: Income RM3000 x 6 bulan = RM18,000. Simpan simpan di tempat yang senang ‘dicairkan’. Cth : ASB atau TH. Kenapa penting? Sebab life is unpredictable. Hilang kerja, kereta rosak, rumah bocor etc. Tabung ni nak elakkan kita dari berhutang.
2. PROTECTION- Probably 5-10% dari gaji kita. Protection ni bukan simpanan yang nak buat kita untung. Tapi simpanan yg boleh ‘protect’ our wealth. Berkongsi risiko supaya kewangan kita tak bocor bila uncertainty berlaku. Cth: Critical Illness protection (to protect our income), death/TPD, Accidental, and medical hospitalization benefits. Medical cost skrg sgt mahal. Kalau kita terkena musibah yg mengakibatkan kita hilang punca pendapatan, this will protect ourselves & families from jatuh miskin.
3. RETIREMENT/EDUCATION FUND- Let say kalau you pencen at 60yo and live long until 85yo (25years gap) : Kita kira, Monthly expenses x 12 bulan x 25 tahun. Cth : RM3000 x 12 x 25 = RM900,000. This is the amount that we need to sustain our life after retire. Itu tak kira lagi nak guna anak kawin lah, anak nk pinjam buat business lah, isteri nak extend dapur lah..plus, bare in mind, the amount 3k now not going to be the same in 20 years time ya😅 It probably macam 1.5k je sekarang due to inflation.
4. INVESTMENT - This should take 10-30% from your income. Cth: Gaji RM3000, so must put aside RM300 to be invested di tempat yang boleh bagi returns more than 6%. Why? To beat inflation. So that our money didn’t reduces its value over time 👍
Bukan sebab kita kaya kita buat semua ni tau. Tapi sebab kita rakyat marhaen yang berharap tiap hujung bulan utk gaji masuk. Jangan buat ni kalau you dah billionaire ya. Sebab billionaire game dia lain😅 They dont focus on savings & investment. They focus on wealth preservation. They put their money in Trustee, supaya generasi mereka terus menikmati hasil kekayaan yang dibina, bukan mewarisi masalah kewangan 😁
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