Teaser

Upacara potong reben perasmian blog ini akan diadakan tidak lama lagi.
(tengah booking date dgn PM utk datang rasmi)
AJK sedang bertungkus lumus menyiapkan segala persiapan.

so stay tune!
^__^

Control our Financial

6 Ways To Control Your Financial LifeShare
Wednesday, January 20, 2010 at 8:05am
from Ustaz Zahazan Facebook.

1. Kemaskinikan data kewangan anda.
Ini melibatkan pelaburan, simpanan, skim insuran yang anda sertai termasuk bil-bil kegunaan anda seperti letrik, air dan telefon.
Perbuatan menangguhkan bayaran hingga ke hujung bulan akan mengakibatkan longgokan komitmen. Hakikatnya anda akan merasai kehilangan ‘control’ terhadap kewangan anda!

2. Mengurangkan kos dengan menggunakan bahan alternative.
Sebagai contohnya kita dapat mengurangkan belanja harian dengan memakan makanan yang lebih murah yang lebih baik dan berkhasiat sewaktu bersarapan. Seseorang ya bersarapan dengan roti yang disapu dengan madu berasama ‘cereal’ di rumahnya tentu dapat mengurangkan belanja dari makan di restoran setiap hari.
Kata penulis artikel :
“Spending no more than you can afford is absolutely essential to financial control”.

3. Kurangkan Penggunaan kad kredit!!!
Jelaskan bayaran sebelum tempoh matang sepenuhnya agar anda terselamat dari dikenakan ‘interest’.
-patut najib usul untuk hanya caj cdt card yg ke-2 meh!

4. Simpan sekurang-kurangnya 5 % dari total ‘income’ anda setiap bulan.
- lagi besar % tu lagi bagus!

5. Bertungkus lumus dalam usaha untuk mencapai target anda.
Kata penulis artikel :
“ Visualizing what you want is the first step in setting goals.Think big, but be as specific as possible.Write down your financial goals, then figure out what steps you need to achieve them. Break them into manageable parts.
If your goal is to save RM 5000 next year, seeing all those zeroes may seem daunting.But saving RM 100 a week is not so overwhelming”.

6. Membuat perancangan kewangan yang teliti berdasarkan masa sekarang dan akan datang.

Investment Mistakes

entry saya tentang EPF with UT telah berjaya membantu saya melepasi target sales!!!..
Alhamdulillah Syukurlah
(kire lepaslah duit modal saya p amik test UTC/attend course/duit minyak/duit borang etc .. yer work as UTC ni based on komisyen yg ciput; itu pasal saya tade cadangan pun nk buat fulltime; but oklah as part timer yg berminat nak cari ilmu tentang investment!)

so skrg saya nak cerita pasal Common Mistake investors make that can hurt the performance of their portfolio:
(saya akan cuba cerita based on pengalaman peribadi saya sendiri utk entry ni nampak lebih realistik gtu!! erk apekah??)

(Warning: entry ni sedikit memboringkan... sbb seriously saya dalam mood boring skrg ni T__T)
so back to topic title 'Avoiding Common Pitfalls of Investing' quote from feature BuletinUTC Jan2010.

#1 Not preparing emergency funds before investing
invest tanpa allocated emergency funds umpama masuk water rafting tanpa pakai life jacket! seorang investor disarankan untuk bersedia dengan sekurang2nya 3-6bulan perbelanjaan bagi sebarang kes melibatkan financial emergencies (such as job loss) or unexpected cash flow probs.
asasnya disini, supaya kita tidak berasa kurang stabil emosi dan fizikal semasa berdepan dengan masalah peribadi seperti ini.(erk buruk plak ayat ni jd bile saya cube translate)

berhutang untuk melabur bukanlah pilihan yang bijak!

tapi anggaplah investing in UT sebagai cara utk menyimpan utk keperluan masa depan

#2 Market timing
walaupun pasaran saham dikatakan move in cycles, this does not necessarily mean that we can determine when to enter and exit the market at its lows and peaks respectively!
successful investors seperti Warren Buffet sendiri tidak menggunakan kaedah market-timing ini kerana more often that not, do not work!
so ape lagi kite yg kekadang tiada mase nk monitor pasaran saham semasa; jadi adalah lebih baik serahkan all the hassle kepada FundManager(yg kita dah bayor servisnya dlm %service charge itu) utk memastikan keuntungan investment dalam jangka masa yang sederhana/pjg tercapai!

sebenarnya semasa saya menghadiri kelas bersama GAMSeanTan itu; ive gotto agree those market shares performance sometime more on speculation. tapi ia turut memahamkan saya bahawa pasaran yg merudum adalah peluang untuk making money dalam UT investment!!

#3 Procrastination
Investor should not delay or posponed action when investing because an early start can make a world of difference in the potential returns as a longer time horizon will allow compounding interest to work effectively.
senang kata; semakin lambat kite delay/tangguh utk memulakan investment, semakin banyak duit yang diperlukan untuk mendapatkan pulangan keuntungan yang sama dengan those who started investing earlier..

#4 Taking too much or too little RISK
remember High Risk High Return; however high-risk takers often end up as speculators and often make investments without conducting prior research. so, instead of merely relying on your risk tolerance to shape your investments, you should also take into consideration your financial goals and time horizon.
~jangan bermain dengan risiko.. tapi cubalah memahami risiko tersebut! risiko dalam pelaburan occay!

#5 Lack of diversification
dont put all eggs in one basket! A well diversified portfolio will adhere to all components of asset allocation - considering risk tolerance, investment capital available, investment time horizon and the current portfolio's asset class weightings.

#6 Becoming emotional in investment decisions
Kebanyakan investor tersilap membuat pelaburan bila mereka mencampur adukkan perasaan TAMAK atau TAKUT dalam menentukan keputusan pelaburan mereka. sepatutnya mereka harus bersikap objective dan rasional dalam menilai pelaburan yang dilakukan.

#7 Lack of research
Investors should do their homework before investing. Succesful investing requires on-going time and effort, which includes investors conducting their own investment research.
Investor should also take note that past performance of an investment is not an indication of future performance.
did some research on any investment that you would like to make. especially skim cepat kaya!!

#8 Panicking during bear markets
seperti #6 dont let you emotion lead you in investment. if you make your investment long term, this season bear markets create opportunity to accumulate good stocks at attractive prices.

Everyone make errors in their investments but what separate the winners from the losers?

it's the one who apply what they learn from their mistakes.
The key to successful investing is not to avoid risk altogether but to recognize the risks you are taking. To avoid unpleasant surprises, do your homework.

Everyone makes mistakes one time or another. As investors, we need to learn from our investment mistakes by recognizing them and making the appropriate adjustments to our investing discipline. 

So? Always learn from your mistakes!

p/s: this entry suitable for any type of investment that you are in to!

p/p/s: jadikan kesilapan itu suatu pengajaran... tetibe terase nak nyanyi lagu 'Suratan atau Kebetulan'
~walau kita dihadapkan dengan pelbagai pilihan, 
mengapa sering terjadi pilihan tak menepati, 
hingga amat menakutkan menghadapi masa depan, 
seolah telah terhapus sebuah kehidupan yang kudus....