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  #11 (permalink)  
Old 02-11-2008, 07:10 PM
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Quote:
Originally Posted by pie2020 View Post
faizall ... awak mmg play safee.... heheh ... bila mau jumpa .. ari tu aku ada balik melaka ... jumpa emansys...
terima kasih en faizal, saya hanya cuma mencuba jawab soalan iaitu "cara terbaik", mengikut pemahaman saya ialah cara yg paling cepat dgn imbangan risiko terbaik...

spt en razif dah sebut, kalau RM1000 sebulan, lebih kurang 15 tahun... terlalu lama rasanya, tambahan pula dgn kadar inflasi yg tidak menentu (buku Intelligent Investor Ben Graham mengkaji inflasi dlm tempoh 5 tahun dari awal 1900an, ada beberapa tempoh 5 tahun di mana kos hidup berganda dlm masa 5 tahun!!) dan pulangan ASB yg tidak terjamin dlm tempoh 15 tahun (sehingga kini Alhamdulillah baik, tetapi Tuhan shj yang tahu masa hadapan).

pendapat saya yg tak seberapa, kalau dah menjadi ahli BJ, insyaAllah mudah melangkah dari status beginner...

bagus topik perbincangan ini!

wallahualam
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  #12 (permalink)  
Old 02-11-2008, 07:23 PM
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itu la yang perlu dikaji dengan teliti.... ada lain-lain pendpat yang menarik ke???
nak gak tunggu otai bagi pendapat nie... Pakdi ke...Pie ke.. lutfi ke.. makAji ke..
saifulam_pontian, totek, Fatisha, mkbahzam, diver ke....

snior member bagi la opinion skit.. :P
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Old 02-12-2008, 09:20 AM
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pendapat peribadi aku ...

hehehehe .... cara nie mmg ok ....... riskk dia takde lah tinggi mana punn...... kalau sanggup ambik risk ... sila kan .... aku tak leh nak ambik byk... pasal dah max dah pun...
benda nie bergantung pada BLR dan dividend ASB....... tgk balik history BLR.... berapa tinggi dia penah pegi .... berapa lama dia maintaintt .... kalau naik pun,... takde lah forever naikk ... then akan turun balikk .... lepas tu ... dividend asb .... biasa nye dia akan ikut blr gak .... kalau BLR tinggi mencanak ... time tu dividend declare pun tinggi ... tak caya... compare lah historical data nyee .........
eheheh/....
apa punn terpulang pada individu.... sapa yg sanggup ambik risk .... ada kemungkin akan pergi jauh lagii dgn cepatt ....
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Old 02-12-2008, 12:57 PM
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kalo kes saya plak.....slps berjimat cermat and bayo semua hutang umah n kereta ade la tinggal rm500 utk saving....so mcm mana saya nak maxkn asb utk satu tempoh yg cepat.? atau tambahkn nilai saving tu dr rm500 to rm 700 or 800 sebln....pakai kemudahan OD ker?

*sory yer kwn2...saya baru kat sini....background study pun teknikal...so bab financial nie mmg tateh2 lagi...hrp otai2 dpt memimpin saya ke arah yg betul...
Last edited by mdfairuz; 02-12-2008 at 01:01 PM.
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Old 02-12-2008, 02:49 PM
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Quote:
Originally Posted by mdfairuz View Post
kalo kes saya plak.....slps berjimat cermat and bayo semua hutang umah n kereta ade la tinggal rm500 utk saving....so mcm mana saya nak maxkn asb utk satu tempoh yg cepat.? atau tambahkn nilai saving tu dr rm500 to rm 700 or 800 sebln....pakai kemudahan OD ker?

*sory yer kwn2...saya baru kat sini....background study pun teknikal...so bab financial nie mmg tateh2 lagi...hrp otai2 dpt memimpin saya ke arah yg betul...
OD/ASB tu salah satu tool yg boleh pakai. Ada sorg kawan yg bulan2 confirm tinggal skit jer $$ dlm tangan. Tapi bole buat significant savings pakai OD/ASB...

Berapa value nak start, ikut kesesuaian individu...
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Old 02-13-2008, 04:06 AM
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Quote:
Originally Posted by pie2020 View Post
faizall ... awak mmg play safee.... heheh ... bila mau jumpa .. ari tu aku ada balik melaka ... jumpa emansys...
Dalam kewangan ni.... biar main selamat.... kalau tak........

Terpulang kepada individu itu punya strategi.... makin berani menanggung risiko.... mungkin anda akan cepat capai matlamat anda... tetapi tak mustahil akan kiok cepat......



*Pie, kawan baru jumpa emansys sebentar tadi.... kalau kau turun melaka... kau inform awal sikit.... lar.... jika ada kelapangan kita TT. ok
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Old 02-13-2008, 04:07 PM
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faisal/emamsys.. jgn lupe daku bile nk TT ngn pie tu..
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Old 02-13-2008, 04:23 PM
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faisal/emamsys.. jgn lupe daku bile nk TT ngn pie tu..
ooo ramai budak melaka rupanye kat situ .. bagus baguss..
nanti kita lepak sekali ok ...
aku rasa aku balik time dapat motor kott ... hehehe ..
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BERMALAM DI TIARA BEACH RESORT SERENDAH RM110... 2 HARI 1 MLM
HOMESTAY BUNGALOW Di MELAKA ... 3 bilik with AIRCOND... Full furnish ....RM170 ..2 HARI 1 MLM ...
BERMINAT ... SILA CALL 013-3931828


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Old 02-13-2008, 04:58 PM
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ooo ramai budak melaka rupanye kat situ .. bagus baguss..
nanti kita lepak sekali ok ...
aku rasa aku balik time dapat motor kott ... hehehe ..
bila dpt motor pie? bestnye motor besar.. beemer plak tue..
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Old 02-13-2008, 05:03 PM
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bila dpt motor pie? bestnye motor besar.. beemer plak tue..

putra..
tak jadi ambik beemer...
ehehe... sacrify utk company ...ehehehe
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BERMALAM DI TIARA BEACH RESORT SERENDAH RM110... 2 HARI 1 MLM
HOMESTAY BUNGALOW Di MELAKA ... 3 bilik with AIRCOND... Full furnish ....RM170 ..2 HARI 1 MLM ...
BERMINAT ... SILA CALL 013-3931828


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