Power of DDI

Treat your investment just like savings..

Jadikan simpanan suatu pelaburan yang bijak!

Jimat Cermat, Tunaikan Zakat, Sedekah Selamat, Pelaburan Berkat!!!

~ok2, entry saya tak abis2 dengan tagline...

Sila Rujuk rajah dibawah:

arakian, DDI sangat sesuai utk Simpanan Tunai Bulanan mahupun untuk pelaburan EPF bagi setiap 3 bulan. Saya sendiri telah membuat DDI untuk pelaburan EPF dan juga simpanan bulanan saya...

Tak kira pasaran saham sedang merudum atau meningkat (volatile market), investor yang terus menyimpan/melabur secara DDI, akan tetap untung wooo! ~nanti ingatkan saya untuk tunjukkan kiraannya ok ;)

Next entry: Ringgit Cost Average:
-sheshuai untuk org yg nak pupuk semangat menabung tetapi tetap menguntungkan melalui UT

-sheshuai untuk mereka yang takde mase nk belek turun naik pasaran saham; tapi tetap dengan matlamat pelaburan

Financial For Kids

Petikan yang dah lama saya cadang untuk post; tapi sering tak berkesempatan;

Source: The Buletin, Jan 2010

Tittle: Financial Matters for Kids

sedikit ulasan dari article tersebut:

• Teaching our children about financial planning is one of the greatest gifts we can give them, as this will be a good advice that they can carry with them for years to come.
• Short term benefits educate children about money : develop strong saving habits; how to make smart purchase; learn to earn for something they want
• Long term benefits : Help kids avoid accumulating debt and invest for a bright future; help them plan for their own financial security.
• Children as young as 5 may be able to understand the concept of earning money. Explain to them that money is earned by working and that they can only spend what they earn.

Saving and Investing

untuk ajar kanak2 tentang topik SAVING/SIMPAN ini, parent kena guna kreativiti.
maybe kita boleh start, dengan belikan tabung yang cute (teringat dulu saya ada tabung bentuk bangunan TH) kemudian kalau ade masa, buat carta simpanan untuk merekod jumlah simpanan kanak2 tu.
permainan MONOPOLY adalah satu bentuk pendedahan yang baik kepada kanak2 tentang pentingnya mengurus wang. (teringat gak dulu, waktu semasa kanak2; main game Saidina, saya selalu simpan duit, tak pandai nak beli 'hartanah' kerana takut duit habis; tapi saya sering juara duit terkumpul yang paling banyak semasa semua orang surrender dengan game itu! mode: big smile)
setelah jumlah simpanan tabung managed to have a substantial amount of money; "Maka bolehlah ajar anak itu untuk MELABUR" dan UT lah jawapan yang sesuai  itu!

"Teaching Kids to count is fine, but teaching them what counts is best!"

p.s: Sebenarnya ada beberapa point lagi tapi nanti lah saya update (eg: Parent should set good examples in savings; Learning From Mistakes) tapi saya malas nak ulas, boleh gitu?

Start Saving Now!!

me just finished read an article from Jusco Pearl Magazine Issue Nov 2009. So, here i would like to share interesting notes regarding topic S-A-V-I-N-G

• It's all good and well to be great in making money, but it's just as important to know how to save money
• A financial crisis should not be the only reason driving you to save, a healthy saving plan should be part of your way of life
• Saving as distress cushion : the comfort of knowing that the money saved would come in to good use should unforeseen circumstances suddenly crop up. this allows anyone involved to concentrate on the crisis on hand without worrying about the ability to meet their regular financial commitments.
• Aim to have six months of your living expenses saved up for emergencies.
• Saving as financing education : savvy parents should start planning for their children education very early on, putting in place a savings plan that will leave them with enough funds when the time comes to choose a course of study at university. (read: UT is one of the options ere -big grin)
• Saving as Endless possibilities for Retirement:  Prudent people who save earlier in their lives are normally those who enjoy more of it in retirement as they have the means to make ends meet.
• Saving to increase your personal worth!
• In materialistic world, saving money somehow become harder as more and more people chase after the ever increasing list of wants.
• People who are not financially savvy often fall into the credit trap by spending beyond their means.
• The most basic thing would be to get a clear picture of our financial status:
  -how much did we earn?
  -how much did our money goes towards necessities
  -how much money left at the end of the month?

Ily Note:
yes everyone (no matter how old are you) should start saving now!
to those who have started, WELL DONE!
to those who have started invest in Unit Trust, double WELL DONE! hihiks

when we talk about UT investment; people always think they need to save a lot of money to begin with, this is not true; we can develop our saving skills through cash investment with UT.
start your initial investment MIN RM 1 000 only - this is compulsory to open the account
next strategy, additional investment ANYTIME for just MIN RM 100 - if you can commit for monthly saving, that would be better!

Remember you can start small and move your way up!