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Tuesday, August 25, 2015

Nasihat Azizi Ali mengenai kewangan

Azizi Ali merupakan seorang yang pakar dalam pengurusan kewangan di Malaysia. Beliau banyak menerbitkan buku yang berkaitan dengan pengurusan kewangan. Berikut merupakan nasihat yang diberikan oleh Azizi Ali tentang pengurusan kewangan individu:

Azizi Ali advises us first to concentrate on protection before doing any investment. Caranya ialah: 

1. Sediakan safety net
-Satefy net yg dimaksudkan di sini ialah cash ataupun aset yg boleh ditukar kepada cash (senang cerita liquid lah) - ASB tu kira liquid lah sebab boleh ditukar kepada cash kalau kita withdraw. Anggaran safety net yg diperlukan.

Employee - 3 months.
Self-employed & Businessperson - 6 months.

As an employee kira ok lah simpan 3 bulan. Biasanya kita tak perlu risau pasal kita punya income tapi manalah tahu tiba2 kena pecat esok, kita boleh guna duit ni untuk sara hidup sementara nak cari kerja baru.Utk self-employee and businessperson ni diorang kena banyak sikit. Sebabnya kita tak tahu next few months boleh ada income ke tak. You know rezeki ni kan tak menentu, kadang2 nasib baik kadang2 tak.Duit simpan dalam safety net ni hukumnya harus digunakan sekiranya benar2 perlu sahaja seperti mahu repair kereta kerana terlibat dengan kemalangan dsb. Hukumnya haram digunakan utk benda2 yg tak perlu seperti melancong dan bersuka ria.

2. Insurance
Lepas dah sediakan safety net, kita perlu concentrate utk beli insurance. Tapi utk insurance ni, Azizi Ali cakap hanya utk org yg dah ada tanggungan. Let say kalau apa2 terjadi kat you satu hari nanti, saper nak bagi anak bini makan. Tapi kalau couple yg both bekerja dan tiada anak, I rasa tak perlu insurance lagi. Kalau your partner dies you probably can still move on with life with your own income. Sama jugalah for a single person, kita tak perlu tanggung siapa2 jadi tak perlu insurance. (Tapi bear in mind that you put yourself at risk of permanent disability). Berapakah nilai insurance yg diperlukan?

Ideally, anda perlu protect diri sendiri dengan jumlah perbelanjaan bulanan didarabkan dengan jumlah bulan sebelum bersara. So kalau perbelanjaan bulanan you RM2500 dan umur you 28, pengiraannya ialah:RM2500 X (55-28) X 12 = RM810,000. Wow, banyak tu. So insure lah setakat mana yang mampu. Dan jgn beli anything other than term insurance however persuasive and convincing the agent is.

3. Savings
Perasan tak betapa pentingnya protection, sebab kita taruk dua items related to protection as our top priorities. Dah cukup protection you, baru you boleh consider savings. The rule of thumb is to save MINIMUM 10% of your gross salary (gross tau bukan net salary). Tapi as I read it in Personal Money, a single person can save up to 50% of their net salary. Make savings a habit. Lepas dapat gaji terus masuk dalam ASB. Kalau nak tunggu hujung bulan, maksudnya RM0 lah savings you utk bulan tu.

4. Investment
Lepas savings I ingat Azizi Ali cakap pasal investment. Tapi I dah tak ingat apa turutan dia - UT ke Property ke Stock Market ke. This one u kena baca buku dia yg AMAT BAGUS DAN HARUS DIMILIKI OLEH SEMUA ORANG - THE MILLIONAIRE IS FROM ANOTHER PLANET.

5. Never lend your money to anyone. 
Unless you want to jeopardize your relationship with that person. You see I pernah tolong sorang kawan I ni, dia kata takde duit. I pun kasihan dan bagi pinjam RM400 kat dia. But she never made any effort to repay back my loan, either in partial or full amount. I gave her several months to do so. Finally, I had to be firm with her to get back my money. I dapat balik duit I, tapi you tahu macamana dia boleh bayar hutang tu? Dia pinjam kawan dia punya duit. Some people think that they are smart and know how to solve their current problems but the fact is they just fail to see the bigger picture. Of course, after I got my money back I never talked to her anymore.

petikan dari mesra.net

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