Melabur dalam unit trust ini ada 2 cara, iaitu melabur secara sekali-gus (lump sum) atau melabur secara berkala (regular savings). Melabur secara regular savings, biasanya untuk tujuan jangka panjang dan anda tidak perlu risau akan harga saham turun naik kerana risiko pelaburan anda sudah dipelbagaikan setiap bulan anda melabur (dollar-cost averaging theory).
Pelaburan secara ‘Lump Sum’ investment ni kita invest sekaligus cash. Katakan kita ada dalam simpanan RM50k, jadi, kita keluarkan 50k bulat-bulat kemudian laburkan dalam sesuatu dana pelaburan Unit Trust.
Regular saving pula, pelaburan permulaan RM1000 kemudian bulan-bulan potong dari akaun bank RM100 minimum. Untuk yang tidak mahu buat potongan dari akaun bank, boleh juga deposit sendiri secara manual di kaunter Public Bank. Cuma when we talk about retirement planning, it’s all about DISIPLIN, kalau ‘autodebit’ dari akaun bank ni, kita tak lupa. Benefit dia, waktu kita bersara dapat KWSP 200k, pelaburan Unit Trust 500K. Ada la juga simpanan kita untuk hari tua nanti.
Ok, katakan matlamat anda bila bersara nanti nak ada simpanan RM 1juta. Umur sekarang 25 tahun.
Jadi, untuk mencapai matlamat itu, anda hanya perlu buat simpanan bulanan RM300 selama 30 tahun dengan pulangan 12% setahun… PUBLIC MUTUAL?… definitely more than that…
Berbalik kepada pelaburan secara ‘Lump Sum’ tadi,
Labur sekali RM50k, dengan pulangan 12% setahun, masa umur anda 55 tahun nanti (tempoh pelaburan 30 tahun) wang anda menjadi RM 1.7juta. Jadi, sekarang ni pilihan di tangan anda, mahu jadi jutawan masa bersara atau mahu jadi drebar teksi, masih bekerja mencari duit untuk meneruskan sisa hidup anda.
Ketahui Teknik Pelaburan Unit Trust Yang Sebenar! Klik Di sini!
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Sebelum anda melabur dalam mana-mana dana pelaburan Unit Trust anda kena tanya dulu 4 soalan ini?
- Mengapa saya mahu melabur? (Objektif pelaburan anda)
- Berapa lama saya mahu melabur? Nak melabur selama berapa tahun? Short/long term?
- Bolehkah saya menghadapi risiko pelaburan yang saya telah buat? Sejauh mana tahap toleransi risiko saya? Sejauh saya anda sanggup ambil risiko kerugian semata-mata nak dapatkan pulangan tinggi?
- Apakah kedudukan kewangan saya sekarang?
Kalau 4 soalan ini anda dapat jawab maka anda boleh melabur tetapi pastikan anda meminta nasihat daripada perunding-perunding yang bertauliah.
Yang pasti, jika anda ingin melabur duit anda, sekurang-kurangnya tetapkan matlamat anda, kenali tahap toleransi anda terhadap risiko pelaburan dan fahami dana pelaburan anda terlebih dulu.
MAKE SURE YOUR MONEY WORKING AS HARD AS YOU WORK!!!
Teknik Efektif Pelaburan Unit Trust. Dapatkan Di sini!
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