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Apa yang perlu anda lakukan menjelang usia 20-30 tahun?
- Dapatkan pekerjaan atau kerjaya yang stabil
- Dapatkan aset yang menghasilkan pendapatan / miliki rumah sendiri / sewa
- Beli kereta yang selesa dan mampu dikawal
- Miliki simpanan/dana pelaburan yang mencukupi
- Mulakan perniagaan dan jana aliran tunai

Jangka hayat anda kira-kira 60-75 tahun. Ingatlah bahawa semua ini mempunyai liabiliti yang serta merta. Bagaimana jika anda gagal bangun esok pagi? Apa yang akan berlaku kepada semua akumulasi dan liabiliti ini?

- Pindahkan hutang kepada waris seterusnya
- Isteri, anak akan mengurus beban ini
- Simpanan saya akan digunakan sehingga habis
- Aset saya akan dijual (jika ditadbir dengan baik)
- Perniagaan saya akan dijual (jika pemindahan dilakukan dengan betul)

Ini bukan fantasi, tetapi realiti. Inilah tempat anda merancang masa depan dan melindungi pendapatan anda pada masa hadapan. Tiada yang menyamai apa-apa instrumen lain... inilah tempat anda merancang untuk bersara sekarang.

20% (Berkahwin) / 60% (Bujang) daripada apa yang anda peroleh setiap tahun, anda selamatkan untuk persaraan, adakah anda mencukupi? Lakukan pengiraan anda, dan beri tahu saya jika anda memerlukan bantuan.

Psst: Inflasi belum diambil kira lagi. Jadi jangan gembira dengan $1juta sekarang yang akan menjadi kira-kira $666K dalam 25 tahun (berdasarkan inflasi 2%). Kanser telah dikenal pasti sebagai pembunuh utama di seluruh dunia.

What You Need to Know

Effects of price hikes for RON95, which carries 5.5% weight in overall inflation basket, will be more significant on inflation and household purchasing power.

Rationalization with RON95 is more complicated because it involves the general public and millions of petrol customers.

Government to assess the impact of the diesel subsidy rationalization for at least six months before proceeding with RON95 subsidy cuts.
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So to be wise, prepare. Restructure and move forward. More things coming ahead. Assuming the RON95 subsidy is cut off for Malaysian consumers, the key implications could be:

-Significant increase in fuel prices for consumers, leading to higher transportation and living costs.

-Rise in overall inflation rate, eroding household purchasing power
Potential public backlash and dissatisfaction, as RON95 is a widely used fuel by the general public.

-Need for the government to implement mitigation measures or compensation schemes to cushion the impact on low-income groups.

-Gradual transition and monitoring required to assess the full impact before further adjustments to the RON95 subsidy

This is not to fear monger, but its to give a future predicament. Aku bukan ahli nujum...but this is an economic evaluations based on data.

"Sediakan payung sebelum hujan"

- Base Source : RAIZ investment

Starting soon.

TBT Ep.04 Feat. Nedumaran Elangovan - Why Indians Can't Land A Job? We're talking with Nedumaran Elangovan, CEO of Ecocarbon on job opportunities that are available for the current generation, and how eager are they in realit...

Malaysia is currently experiencing a state of inflation. As of January 2024, the inflation rate was 1.5%, which is relatively low. However, economists predict the average inflation rate for 2024 to be around 2.6%. This means that prices are expected to rise slightly throughout the year.

Here are some reasons why inflation might be present in Malaysia:

Policy changes: Removal of price caps and fuel subsidies, along with higher service taxes, can contribute to price increases.
Global factors: Rising import costs due to international events can affect Malaysian goods as well. Unempl