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Ready for retirement? What is your number?

Posted by Hesyam
21 February 2010
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Based on prudential retirement calculator,my retirement number is RM 1,441,015.

The calculator has been said that I still need RM 360, 282 to achieve my retirement number. So how to get this number within 20 years? I try to give a solution in unit trust perspective.

I need to invest or save RM 53,553 or RM 2,678 annually selama 20 tahun in order to achieve RM 360, 282.

Berapa RM untuk persaraan anda

Posted by Hesyam
19 February 2010
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Sebenarnya bila-bila pun boleh bersara yang penting wang yang diperlukan telah cukup. Isunya sekarang how much money you have when you're retire? How long you can use it?

Ada orang perlu RM 1000 sebulan dan ada yang perlu RM 5000 sebulan. Semua bergantung kepada lifestyle setiap individu.

Untuk kes ini, you can use calculator from web prudential seperti di bawah. Walaupun Prudential adalah syarikat Insuran bukan unit trust tetapi sedikit sebanyak kita masih boleh manafaatkannya.



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Beli Bungalow How Unit Trust can help you?

Posted by Hesyam
11 February 2010
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Nice tak bungalow at The Peak, Cheras. The cost is about more than RM 1,000,000. Do you have a dream to own it. How do you plan to achieve your dream house? Saya ada impian to have a bungalow at Bandar Tun Hussien Onn.The cost is about RM 800,000.

Now, I would like to share with you how invest in unit trust can help you to achieve your dream. 

Wang sebanyak RM 10,000 jika di invest in Unit Trust one time or lump sum di ulang...one time...you can get about RM 1, 331,755 after 35 years invested dengan pulangan purata setahun adalah 15% . So, mampu tak kita miliki rumah idaman dengan wang sebanyak ini???

oOo..RM 10,000 banyak sangat...You can plan to do monthly saving at least RM100 sebulan and you can get your dream bungalow after 35 years too yang mana jumlah saving telah menjadi RM 1,486,064. Wow...simpan RM100 pun boleh jadi jutawan...

Perhaps some people think 35 Tahun tu lama sangat......Sebab itu we're encourage tu invest early. Start at age 20 and by age 55 you already achieve your dream.

 Else kita kena change plan iaitu buat simpan selama 10 tahun sahaja at least dapat bayar initial payment  (deposit, Legal fee and etc) sebanyak RM 200,000. So, berapa banyak perlu simpan setiap bulan?? Anda hanya perlu menyimpan sebanyak RM1000/month kedalam unit amanah selama 10 tahun, anda akan memperolehi pulangan lebih kurang RM 232,340 (pulangan 12% setahun).

Tahu tak....jika harga rumah adalah RM 1 Juta dan anda telah membuat initial payment (down payment) sebanyak RM 150,000...anda perlu membayar sebanyak RM 5, 476 setiap bulan selama 25 tahun.

Berita gembira untuk anda...jika kita melabur ke dalam dana yang boleh memberi pulangan tinggi seperti Public Islamic Opportunities saya yakin anda boleh mencapai matlamat anda untuk memiliki bungalow impian...insyaAllah.

 
source: http://www.signalinvest.com/personal/funds/profile/one?fund_id=389

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