RM 1 Juta ? 2 Juta ? 10 Juta ?

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RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by noble-man on 2008-05-25, 10:04

Harga barangan semakin meningkat dan hidup di Malaysia semakin susah.

Berapakah jumlah simpanan yg perlu dan patut ada bagi menjamin masa depan dan kehidupan selepas persaraan yg selesa ?

RM 1 Juta ? RM 2 Juta ? RM 10 Juta ?

Dan adakah anda mampu mencapai jumlah tersebut dengan bekerja di Qatar ???

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by Rifdee on 2008-05-25, 11:06

1) Terserah pada 'cost of living' masing-masing &
2) Ye, kita mampu capai kalau bekerja di Qatar.

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by kutu_beramboi on 2008-09-17, 13:24

noble-man wrote:Harga barangan semakin meningkat dan hidup di Malaysia semakin susah.

Berapakah jumlah simpanan yg perlu dan patut ada bagi menjamin masa depan dan kehidupan selepas persaraan yg selesa ?

RM 1 Juta ? RM 2 Juta ? RM 10 Juta ?

Dan adakah anda mampu mencapai jumlah tersebut dengan bekerja di Qatar ???


sekali lagi minta laluan .. sorry ... baru terbaca ruangan ni ...
lepas baca mesej ni .... teringat pepatah yg berbunyi ...
Let us do the best. Then Allah will do the rest.
cematu lah lebeh kureng bunyi dier.....

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by Zac on 2008-09-18, 11:28

Rifdee wrote:1) Terserah pada 'cost of living' masing-masing &
2) Ye, kita mampu capai kalau bekerja di Qatar.

Entah ler komer ooi.....Cip kat sini kerja sebagai buruh je... Eeeeeeeeeeeeiiiiiii berjutaaaaa jutaaaaaaaaaaaaaaa.

Apa yang ada pun Cip dah sungguh bersyukur. Tak nak fikir banyak2 dah dan janagn tamak sangat. Walaupun ada wang berjuta juta, tapi hati tak tenteram pun takder guna nya.....

MONEY IS NOT EVERYTHING....................
BUT MONEY IS ROOT TO ALL EVIL.................


CIP
Born to Bowl but forced to work!

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by DHL on 2008-09-18, 14:34

cip ooi...

buruh ye...buruh pun ada kasta2 dia jugak...

1) buruh yg gaji QR60K dan ke atas sebulan
2) buruh yg gaji QR30K-60K sebulan
3) buruh yg gaji QR1K-30K sebulan
4) buruh yg gaji QR1K ke bawah

mana satu golongan anda?? kompom tak der sapa nak jawap...

bagi saya, duit byk mana pun tak boleh beli erti kebahagiaan....biar duit sikit, asal dapat makan sepinggan dgn abg yg tersayang!!! kalau duit byk, boleh makan 2 pinggan ngan abg tersayang...he he he..(mcm mana tu?)

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by kutu_beramboi on 2008-09-18, 14:39

DHL wrote:cip ooi...

buruh ye...buruh pun ada kasta2 dia jugak...

1) buruh yg gaji QR60K dan ke atas sebulan
2) buruh yg gaji QR30K-60K sebulan
3) buruh yg gaji QR1K-30K sebulan
4) buruh yg gaji QR1K ke bawah

mana satu golongan anda?? kompom tak der sapa nak jawap...

bagi saya, duit byk mana pun tak boleh beli erti kebahagiaan....biar duit sikit, asal dapat makan sepinggan dgn abg yg tersayang!!! kalau duit byk, boleh makan 2 pinggan ngan abg tersayang...he he he..(mcm mana tu?)


setuju setuju setuju .... dolu-dolu, mak abah kita lagi susah kan ? makan nasik putih dgn garam aje. skang ni mcm2 ader ... umm ali lah .. umph tongkat ali la ... sambal totok la ... tapi sume tu kutu suker .. sukerrrrr sgt ....
Laughing

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by DHL on 2008-09-18, 14:41

kutu..kutu...ada saja poin ko nak jawap...he he he..

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by kutu_beramboi on 2008-09-18, 14:43

DHL wrote:kutu..kutu...ada saja poin ko nak jawap...he he he..


lol!

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by muq on 2009-03-25, 04:43

Salam semua,
Memang kalau nak diikut berapa juta pun tak mencukupi. Sebelum ini saya bekerja di Indonesia, nak dapat 1 juta ruppiah memang terlalu payah dan masih lagi. Tapi disebabkan tanah subur, tak da la orang yang kebulur. Apa pun saya rasa memang kita harus lihat dibawah juga supaya dapat membantu orang di bawah dengan menjadi orang yang di atas.
Wasalam
Muq

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by kutu_beramboi on 2009-03-25, 20:49

muq wrote:Salam semua,
Memang kalau nak diikut berapa juta pun tak mencukupi. Sebelum ini saya bekerja di Indonesia, nak dapat 1 juta ruppiah memang terlalu payah dan masih lagi. Tapi disebabkan tanah subur, tak da la orang yang kebulur. Apa pun saya rasa memang kita harus lihat dibawah juga supaya dapat membantu orang di bawah dengan menjadi orang yang di atas.
Wasalam
Muq
thanks 4 de tazkirah...

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by ruslan.abubakar on 2009-03-28, 09:31

salam,

tak dapatlah nak saving 1 juta...aku kerja 10 tahun pun dah kira2 masih tak dapat juga....apa yang perlu bersederhana saja la kata salih yacoob,

biar hidup sederhana,
biar makan sederhana,
asal serba sederhana,
yang penting tiada hutang,oooooo
enak tidur enak makan,

heheheheheheh

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by Abdullah on 2009-04-11, 20:55

DHL wrote:bagi saya, duit byk mana pun tak boleh beli erti kebahagiaan....biar duit sikit, asal dapat makan sepinggan dgn abg yg tersayang!!! kalau duit byk, boleh makan 2 pinggan ngan abg tersayang...he he he..(mcm mana tu?)

kalau semua orang berfikiran macam ni, alangkah berbahagianya si Abg. Very Happy memanjang setiap hari. Dok berkerja pun Very Happy dan nak balik rumah cepat2.

Share je,

seorang ustaz memberitahu

1. REZEKI akan mengejar seseorang seumpama MAUT mengejar orang tersebut. maksudnya jangan dok risau sangat pasal rezeki. ALlah dah tentukan & tugas kita usaha je.

2. Sekiranya seorang Lelaki meninggalkan harta selepas dia meninggalkan dunia & harta tersebut digunakan warisnya tidak mengikut syariat agama. MAKA harta tersebut akan berupa kala jengking dan menyiksa simati dalam kubur. Kata ustaz tu lagi, banyaknya kala jengking & ular dalam kes ini bergantung kepada sebanyak mana harta yg ditinggalkan.

Peringatan dari ustaz tu kepada kita semua.

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by mba2009 on 2009-07-29, 20:17

Abdullah wrote:
DHL wrote:bagi saya, duit byk mana pun tak boleh beli erti kebahagiaan....biar duit sikit, asal dapat makan sepinggan dgn abg yg tersayang!!! kalau duit byk, boleh makan 2 pinggan ngan abg tersayang...he he he..(mcm mana tu?)

kalau semua orang berfikiran macam ni, alangkah berbahagianya si Abg. Very Happy memanjang setiap hari. Dok berkerja pun Very Happy dan nak balik rumah cepat2.

Share je,

seorang ustaz memberitahu

1. REZEKI akan mengejar seseorang seumpama MAUT mengejar orang tersebut. maksudnya jangan dok risau sangat pasal rezeki. ALlah dah tentukan & tugas kita usaha je.

2. Sekiranya seorang Lelaki meninggalkan harta selepas dia meninggalkan dunia & harta tersebut digunakan warisnya tidak mengikut syariat agama. MAKA harta tersebut akan berupa kala jengking dan menyiksa simati dalam kubur. Kata ustaz tu lagi, banyaknya kala jengking & ular dalam kes ini bergantung kepada sebanyak mana harta yg ditinggalkan.

Peringatan dari ustaz tu kepada kita semua.

Salam Ustaz;

Terimakasih kerana ingatkan...

mba2009

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by Abdullah on 2009-07-29, 21:53

Salam Ustaz;

Terimakasih kerana ingatkan...

mba2009[/quote]

ustaz ??? ustaz rock ada la.. Twisted Evil

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by summer6266 on 2010-02-27, 21:22

RM 1 Juta to be spent for let say 20 years from the days of retirement is equivalent to only RM 4.1K per month. Given inflation, what you can buy 20 years from now with RM4.1K is much lesser than what you can buy now with the same amount of money.

so if the only plan is "saving for retirement", the plan may end up with "losing for retirement".

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by Chian on 2010-02-28, 12:58

Interesting observation summer6266.

I personally look from another perspective. I would invest the RM1m for 8% (or more return).
RM 1m x 8% / yr = RM80k/ yr

RM80k/ yr = RM6.7k/ mth.

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by summer6266 on 2010-03-02, 16:16

Kalau dlm ASB, maximum capital investment is RM400k,
in order for that RM400k to grow into RM 1M,
it needs 14 years at 7% annual dividend and
100% reinvestment of the dividend.

To some people, 14 years is a very long wait.....

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by rizi the doll on 2010-03-03, 06:28

14 years tuu ok la tuu...
takut dapat cepat sgt... org kata
easy come easy go...

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by Chian on 2010-03-03, 07:19

summer6266 wrote:Kalau dlm ASB, maximum capital investment is RM400k,
in order for that RM400k to grow into RM 1M,
it needs 14 years at 7% annual dividend and
100% reinvestment of the dividend.

To some people, 14 years is a very long wait.....

Bro,
Actually, there are other investment options that promote even at 10% or more investment return (albeit the higher the return, the higher the risk). Try to refer to any investment consultant in CIMB, Maybank etc.

Hence, should your kindself has reached the RM400 limit, you may opt for other investments as mentioned above.

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by mba2009 on 2010-03-03, 13:09

Chian wrote:
summer6266 wrote:Kalau dlm ASB, maximum capital investment is RM400k,
in order for that RM400k to grow into RM 1M,
it needs 14 years at 7% annual dividend and
100% reinvestment of the dividend.

To some people, 14 years is a very long wait.....

Bro,
Actually, there are other investment options that promote even at 10% or more investment return (albeit the higher the return, the higher the risk). Try to refer to any investment consultant in CIMB, Maybank etc.

Hence, should your kindself has reached the RM400 limit, you may opt for other investments as mentioned above.

Salam Chian;

Menarik ni...ada sesiapa yang melabur di Bursa Saham KL dan Bursa Saham Doha...apakah expat di benarkan melabur di Bursa Doha ?

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by Chian on 2010-03-03, 13:23

Mba,

Chian tak berani invest Bursa Doha coz 'Exit' nanti mungkin susah. As usual, in any investment, we need to consider both entry and exit strategy.

Bursa KL, nak re-activate masa balik cuti raya nanti so that boleh monitor investment on-line. Chian tau ada few Msian kat sini buat investment kat Bursa KL & monitor on-line.

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by rizi the doll on 2010-03-04, 07:22

Chian wrote:Mba,

Chian tak berani invest Bursa Doha coz 'Exit' nanti mungkin susah. As usual, in any investment, we need to consider both entry and exit strategy.

Bursa KL, nak re-activate masa balik cuti raya nanti so that boleh monitor investment on-line. Chian tau ada few Msian kat sini buat investment kat Bursa KL & monitor on-line.
Rizi nak blajaq leh...
mintak perturun ilmu sikit...

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by Chian on 2010-03-04, 07:25

Boleh Bro.

Nanti kita discuss.

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by kutu_beramboi on 2010-03-07, 17:40

apakata chian approach maq .. mungkin boleh buat seminar ... perturunkan ilmu chian ...

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

Post by Chian on 2010-03-08, 06:48

Ha ha ha. Jangan Kutu. Dalam 3 ribu rakyat Msia kat sini, especially yang dah lebih lama kat sini. Depa dah bertapak lebih jauh. Kang buat malu je. Mua ha ha.

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Re: RM 1 Juta ? 2 Juta ? 10 Juta ?

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