Apakah pemurataan kos ringgit
Pemurataan kos ringgit adalah satu teknik pelaburan yang digunakan untuk mengurangkan pendedahan kepada risiko yang berpunca daripada pembelian tunggal yang berjumlah besar..Teknik ini melabur satu jumlah tetap dalam pelaburan tertentu pada tempoh waktu tetap ,tanpa menghiraukan harga unitnya.Jumlah dan kekerapan pelaburan-pelaburan anda bergantung kepada keupayaan kewangan dan matlamat masa depan anda.
Lebih banyak unit dibeli apabila harga rendah dan kurang unit dibeli semasa harga melambung tinggi.Premis pemurataan kos ringgit adalah bagi seseorang pelabur yang ingin mencari perlindungan daripada kehilangan nilai pasaran tidak lama selepas dia membuat pelaburan.Walaupun pemurataan kos ringgit boleh menjadi satu cara pelaburan yang efektif, ia tidak menjamin keuntungan ataupun melindung palaburan –pelaburan daripada kerugian dalam pasaran yang merosot .Lagipun anda mesti terus membeli unit-unit dalam pasaran menaik dan menurun supaya strategi ini menjadi berkesan.Oleh itu anda patut memilih satu jumlah yang anda berasa selesa untuk melabur di bawah semua keadaan pasaran.
jumlah Rm12000
unit 62408.28
Keputusan:
purata harga seunit RM0.1983
purata kos seunit RM0.1923
harga unit terkini RM0.2510
Nilai pelaburan terkini RM15664.48
"jimat sikit,jimat selalu.pemurataan kos dollar (ringgit) berkesan jika anda tabah menyimpan" - Paul litheroe dalam buku "sepuluh langkah utama ke arah mencapai kekayaan" 2002
PINJAMAN VS PELABURAN
bertemu kembali ,
kadang-kadang apabila pasaran mula menaik ,ramai dari pelabur mula nak switch!
pada pendapat saya ,
switch hanya dipakai utk switch dari dana konservatif ke dana seimbang @agresif
atau dana seimbang ke dana agresif ….
jika dana agresif ke dana agresif jugak …kesannya tak kemana…
kadang-kadang pengurus dana adalah orang yg sama …jadi pendekatan dan strategi pelaburan adalah sama .
mana satu dana yg terbaik ,terhebat ..
public mutual menpunyai dana islamik yg hebat belaka , tetapi jika matlamat pelabur yg ingin melihat keuntungan dalam masa 6 bln ,agak sukar …
ada dana yg melabur di malaysia sahaja,
PIDF,PIBF ,
ada juga dana yg melabur di luar negara,
PIADF,PIABF ….
ada lagi dana yg khusus ke CHINA, Taiwan, Australia …
di sini peranan agen @ consultant amat penting …
pelabur memang blur dana mana yg sepatutnya di labur , labur bulan ini, bln depan jumpa kawan dan bincang bla,bla…nak dana lain pulak …ingat caj rm25 akan dikenakan kpd pelabur jika urusan switch dilakukan …
jika mutual gold pon hanya 6 transaksi setahun je free , lebih akan dikenakan caj jugak …
lain lah jika mutual gold elite..(RM500ribu)
unit amanah tidak sesuai jika ingin selalu buat switch untuk mencari diveden daripada setiap dana .
ada sesetengah pelabur yg akan switch berdasarkan penyata kewangan tahunan dana sepanjang tahun .
jika ada 20 dana , pelabur akan melakukan 5-10 kali switch untuk mendapatkan diveden sepanjang tahun .
sila tgk attachment sebelum ini berkenaan tarikh penyata kewangan dana …
Jangka masa pelaburan
Apakah perancangan pelaburan anda?
Sila baca artikel ini yang dipetik dari Malaysian Investor
Do you know whether you are a short-, medium- or long-term investor? What are the common definitions for these three time horizons? Generally, investment time horizon refers to the length of time for which an investment will be held before it is sold off in exchange for cash (liquidated). Time horizons can range from minutes, in the case of a day trader, all the way up to decades for a buy-and-hold investor. What is the right investment time horizon? Actually, there is no "right" or "wrong" time frame for investment - it all depends on the investor's investment objectives and goals, and his level of risk tolerance, i.e. how much risk he is willing to take.
Since every investor can define his/her investment time horizon in various ways, let us look at the most common definitions of short, medium and long investment time horizons.
Time horizons
Usually, as a general rule of thumb, investment horizons can be classified as-
Why you need to know them?
Knowing your time horizon is extremely important because it will help you in your investment planning, such as choosing the suitable investment products, monitoring their performance and most importantly, managing investment risks. All things being equal, you can afford to be more aggressive if you have a long-term investment horizon. For example, a 25-year old who is just starting a career will be able to invest in more volatile or risky investment products, since he will have a longer time frame to make the necessary adjustments should the investment suffer losses. But someone, who is close to retirement, should usually be more conservative and take the less risky route, as he does not have much time to make adjustments if his investment is not performing as expected. However, age alone should not be the only factor in determining your time horizon. Factors namely risk tolerance, investment objectives, expected return, as well as when you will need the funds or money should also be taken into consideration. For example, a 30-year old is saving money for a house down payment and he plans to buy a house in a year's time. Given the short time frame, it will be prudent for him to invest more conservatively because he has little time to make up for any possible losses. Due to his short-term goal, he cannot afford to invest in risky products even though he still has a long way to go before retirement.
As an intelligent investor, it is crucial that you consider and determine your investment time horizon before investing. But do not cast it in stone, as it needs to be flexible to cope with situations where your investment does not perform according to your expectations. In such situations, you must always be ready to change your investment time horizon and set it to your advantage.
Untuk memperjelaskan lagi pemurataan kos ringgit dengan lebih baik,andaikan anda ingin menyimpan RM12000 setiap tahun untuk tabungan pendidikan anak anda.Selain darimelaburkannya sekaligus dan menanggung risiko memasuki semasa pasaran adalah tinggi , anda memutuskan untuk melabur RM1000 setiap bulan dalam satu dana unit amanah seperti yang ditunjukkan dalam carta.
Bulan | JUMLAH PELABURAN(RM) | HARGA SEUNIT | JUMLAH UNIT DIBELI |
Jan | 1000 | 0.2549 | 3923.11 |
Feb | 1000 | 0.2261 | 4422.82 |
Mac | 1000 | 0.2068 | 4835.59 |
April | 1000 | 0.1846 | 5417.12 |
Mei | 1000 | 0.1645 | 6079.03 |
Jun | 1000 | 0.1589 | 6770.48 |
Julai | 1000 | 0.1477 | 6770.48 |
Ogos | 1000 | 0.1617 | 6184.29 |
Sept | 1000 | 0.1947 | 5136.11 |
Okt | 1000 | 0.2035 | 4914.00 |
Nov | 1000 | 0.2248 | 4448.40 |
Dis | 1000 | 0.2510 | 3984.06 |
jumlah Rm12000
unit 62408.28
Keputusan:
purata harga seunit RM0.1983
purata kos seunit RM0.1923
harga unit terkini RM0.2510
Nilai pelaburan terkini RM15664.48
"jimat sikit,jimat selalu.pemurataan kos dollar (ringgit) berkesan jika anda tabah menyimpan" - Paul litheroe dalam buku "sepuluh langkah utama ke arah mencapai kekayaan" 2002
PINJAMAN VS PELABURAN
Salam,
loan,pinjaman…….
ada sesetengah di antara kita yg membuat pinjaman personal, hanya kerana ingin melabur!!!
pinjaman utk mengandakan duit adalah satu alternatif , tetapi ia menpunyai kelemahan tersendiri!
Unit amanah adalah salah satu medium utk mengandakan duit, tetapi ‘loan’ di buat hanya semata-mata utk menyertai unit amanah amat TIDAK DIGALAKKAN!!
ini disebabkan unit amanah menpunyai risiko nya tersendiri,
apabila kita membuat ‘loan’, kita wajib utk membayar balik ‘loan’ tersebut secara bulanan.
adalah lebih afdal kiranya bayaran balik bulanan kpd pihak bank,koperasi itu disalurkan kepada pembelian unit amanah!
misalnya loan rm50,000.00 memerlukan bayaran balik sebanyak rm 800!
tetapi jika melabur secara tetap dan berdisiplin dgn jumlah yg sama setiap bulan sebanyak rm800…
hasilnya lebih lumayan selama 5 tahun …
5X12X800=RM48,000
itu hanya nilai modal asal, tak termasuk keuntungan hasil dividen,bonus dari unit amanah!
jika tiada disiplin utk mendisiplinkan diri utk menabung secara tetap ke unit amanah , Public Mutual ada menyediakan
DIRECT DEBIT dari akaun gaji/bank anda.
kelebihan ‘loan;
1.melabur lump sum rm50,000.00
2. tak perlu komitmen utk melabur setiap bulan
keburukan
1. pinjan rm50,000 bayar rm 68,000 atau lebih!!!
2. mungkin terlibat dgn Riba’ jika konvensional
3. keuntungan dari unit amanah hanya untuk dibayar ke bank
4.jika unit amanah rugi ,kerugian berganda akan berlaku….
5. ada duit ,tak ada duit bayaran pinjaman bulanan wajib dibayar!
kesimpulannya , ada duit melabur, unit amanah bukannya menjanjikan 100% keuntungan ,ada risiko tersendiri.
tiada duit, sikit-sikit lama-laman jadi berjuta-juta…
SWITCHING?
bertemu kembali ,
kadang-kadang apabila pasaran mula menaik ,ramai dari pelabur mula nak switch!
pada pendapat saya ,
switch hanya dipakai utk switch dari dana konservatif ke dana seimbang @agresif
atau dana seimbang ke dana agresif ….
jika dana agresif ke dana agresif jugak …kesannya tak kemana…
kadang-kadang pengurus dana adalah orang yg sama …jadi pendekatan dan strategi pelaburan adalah sama .
mana satu dana yg terbaik ,terhebat ..
public mutual menpunyai dana islamik yg hebat belaka , tetapi jika matlamat pelabur yg ingin melihat keuntungan dalam masa 6 bln ,agak sukar …
ada dana yg melabur di malaysia sahaja,
PIDF,PIBF ,
ada juga dana yg melabur di luar negara,
PIADF,PIABF ….
ada lagi dana yg khusus ke CHINA, Taiwan, Australia …
di sini peranan agen @ consultant amat penting …
pelabur memang blur dana mana yg sepatutnya di labur , labur bulan ini, bln depan jumpa kawan dan bincang bla,bla…nak dana lain pulak …ingat caj rm25 akan dikenakan kpd pelabur jika urusan switch dilakukan …
jika mutual gold pon hanya 6 transaksi setahun je free , lebih akan dikenakan caj jugak …
lain lah jika mutual gold elite..(RM500ribu)
unit amanah tidak sesuai jika ingin selalu buat switch untuk mencari diveden daripada setiap dana .
ada sesetengah pelabur yg akan switch berdasarkan penyata kewangan tahunan dana sepanjang tahun .
jika ada 20 dana , pelabur akan melakukan 5-10 kali switch untuk mendapatkan diveden sepanjang tahun .
sila tgk attachment sebelum ini berkenaan tarikh penyata kewangan dana …
Jangka masa pelaburan
Apakah perancangan pelaburan anda?
Sila baca artikel ini yang dipetik dari Malaysian Investor
Do you know whether you are a short-, medium- or long-term investor? What are the common definitions for these three time horizons? Generally, investment time horizon refers to the length of time for which an investment will be held before it is sold off in exchange for cash (liquidated). Time horizons can range from minutes, in the case of a day trader, all the way up to decades for a buy-and-hold investor. What is the right investment time horizon? Actually, there is no "right" or "wrong" time frame for investment - it all depends on the investor's investment objectives and goals, and his level of risk tolerance, i.e. how much risk he is willing to take.
Since every investor can define his/her investment time horizon in various ways, let us look at the most common definitions of short, medium and long investment time horizons.
Time horizons
Usually, as a general rule of thumb, investment horizons can be classified as-
- short term - one to three years
- medium term - three to five years
- long term - more than five years
Why you need to know them?
Knowing your time horizon is extremely important because it will help you in your investment planning, such as choosing the suitable investment products, monitoring their performance and most importantly, managing investment risks. All things being equal, you can afford to be more aggressive if you have a long-term investment horizon. For example, a 25-year old who is just starting a career will be able to invest in more volatile or risky investment products, since he will have a longer time frame to make the necessary adjustments should the investment suffer losses. But someone, who is close to retirement, should usually be more conservative and take the less risky route, as he does not have much time to make adjustments if his investment is not performing as expected. However, age alone should not be the only factor in determining your time horizon. Factors namely risk tolerance, investment objectives, expected return, as well as when you will need the funds or money should also be taken into consideration. For example, a 30-year old is saving money for a house down payment and he plans to buy a house in a year's time. Given the short time frame, it will be prudent for him to invest more conservatively because he has little time to make up for any possible losses. Due to his short-term goal, he cannot afford to invest in risky products even though he still has a long way to go before retirement.
As an intelligent investor, it is crucial that you consider and determine your investment time horizon before investing. But do not cast it in stone, as it needs to be flexible to cope with situations where your investment does not perform according to your expectations. In such situations, you must always be ready to change your investment time horizon and set it to your advantage.
