所謂理財，要越早越好，社會新鮮人找到工作有了收入后，要如何分配自己的資金？
專家認為，基金算是最適合社會新鮮人的投資工具。但是第一筆投資要如何下手？
根據台灣理財雜誌《Money錢》，年輕人投資前，最常犯的錯誤就是有興趣但沒有概念。
投資前，最重要的就是培養正確的觀念，不要隨意借貸、不要將賺錢的目的設定在花錢享樂。
而且投資沒有捷徑，每個人的投資都是從最基本的基金開始，然后隨著薪水增加、對基金投資更了解，才慢慢提升基金的級別，后依靠基金賺錢。
基金投資專家蕭碧燕指出，就算在市場多年，他的投資策略還是以定期定額為主，所以社會新鮮人初學基金投資，也最好從定期定額開始。
他說，定期定額，也要有正確的認知，對的市場、對的基金，加上定期定額扣款，搭配“停利不停損”的原則，才能讓基金投資無往不利。
October 3, 2011
September 23, 2011
AS 1Malaysia Declares 6.5 Sen Dividend
Amanah Saham Malaysia Berhad has declared a dividend of 6.5 cents per unit for Amanah Saham 1Malaysia (AS1M) for the current financial year. The income distribution will be reinvested in the form of new units and will automatically be credited into the unitholders' accounts on October 1.
As a comparison, last year's dividend declared was 6.38 cents.
Source: ASNB
As a comparison, last year's dividend declared was 6.38 cents.
Source: ASNB
September 21, 2011
Money Jar Savings Method for Children
To teach the children about the concept of savings is like to ask them to eat vegetable or chillies. It's almost impossible! I believe most parents will agree with me that children nowadays are very tempted with all the toys and gadgets in the market today. The children will probably bugged you everyday for the toy they like, until you give in.
So, how do you solve this problem? You can either give in and buy them the toys, but for the parents, it's a losing battle for them. Once the children get their ways, they will smartly use the same method again for the things they want. Alternatively, you can teach them the concept of savings and delayed gratification. Sounds tough huh?
Here's how i do it. It's called Money Jar Savings Method. There are a few variables of Money Jar Savings method, like 3-jar system or 5-jar system. What i preach to my children is the 3-jar system. Basically, you have to prepare 3 piggy bank/jars (preferably transparent) to start the savings.
For the first jar, I will tell my children that this is for them to save for their own goodies, such as sweets, toys and gadgets. When you tell them this, I'm sure you will get them excited already! But to teach them delayed gratification, this jar will receive the smallest savings portion so that it will take a while longer to save enough for them to buy goodies. For me, I will save 20 cents a day for them.
The second jar is for them to buy their school necessities, like school bags, pencil cases, books, shoes and etc. This normally excites them as well since most of them fancies the latest bags/shoes/pencil cases to show off to other kids. For the second jar, I saved 50 cents a day for them.
And now for the third and final jar, i will tell them this savings jar is for them when they grow up. This jar is meant for long term savings for the kids. From my experience, the children will be disappointed with this third jar since they cannot visualize what's there for them and they dont understand the meaning long term savings. But, it's ok. They dont have to understand about the usefulness of the third jar. For this third jar, I saved 1 dollar for them a day.
So now you have the 3-jar savings system. The idea of having transparent jars is that the children will get to see the money grows inside the jars and this will get them excited to save more. Will this work for your children? Why don't you try it? I'm quite sure it works wonders. Of course, we as the parent should have the discipline to do the savings part.
Once you have enough savings and the jars are full, it's time for you to keep the money in the bank. One option is to keep these money in the junior savings account where you can potentially earn more interests than the normal savings accounts. To find out more about junior savings account, go here.
So, how do you solve this problem? You can either give in and buy them the toys, but for the parents, it's a losing battle for them. Once the children get their ways, they will smartly use the same method again for the things they want. Alternatively, you can teach them the concept of savings and delayed gratification. Sounds tough huh?
Here's how i do it. It's called Money Jar Savings Method. There are a few variables of Money Jar Savings method, like 3-jar system or 5-jar system. What i preach to my children is the 3-jar system. Basically, you have to prepare 3 piggy bank/jars (preferably transparent) to start the savings.
For the first jar, I will tell my children that this is for them to save for their own goodies, such as sweets, toys and gadgets. When you tell them this, I'm sure you will get them excited already! But to teach them delayed gratification, this jar will receive the smallest savings portion so that it will take a while longer to save enough for them to buy goodies. For me, I will save 20 cents a day for them.
The second jar is for them to buy their school necessities, like school bags, pencil cases, books, shoes and etc. This normally excites them as well since most of them fancies the latest bags/shoes/pencil cases to show off to other kids. For the second jar, I saved 50 cents a day for them.
And now for the third and final jar, i will tell them this savings jar is for them when they grow up. This jar is meant for long term savings for the kids. From my experience, the children will be disappointed with this third jar since they cannot visualize what's there for them and they dont understand the meaning long term savings. But, it's ok. They dont have to understand about the usefulness of the third jar. For this third jar, I saved 1 dollar for them a day.
So now you have the 3-jar savings system. The idea of having transparent jars is that the children will get to see the money grows inside the jars and this will get them excited to save more. Will this work for your children? Why don't you try it? I'm quite sure it works wonders. Of course, we as the parent should have the discipline to do the savings part.
Once you have enough savings and the jars are full, it's time for you to keep the money in the bank. One option is to keep these money in the junior savings account where you can potentially earn more interests than the normal savings accounts. To find out more about junior savings account, go here.
September 14, 2011
Comparison of Junior Savings Account
Updated 5/9/2012: Updated latest interest rates for some of the products.
As a parent myself, it is never to early to teach your children about the concept of savings. Even though the children might not understand the meaning for the savings, but if we as the parent, make savings as a part of daily fun activities, the kids will definitely enjoy it and appreciate it more. Experts have came out with many methods and systems that can encourage the children to learn the savings concept, but personally I'm practicing the Money Jar method. I will elaborate more about this Money Jar method in my next article.
So now, we've got some savings for our children and what do we do with it? Some people will invest the money in unit trusts or stock market. There's nothing wrong with this, but the savings quantum must be quite big to make a big difference. For small savings, naturally we are looking for a savings account for children.
There are plenty of children savings accounts in the market. The common features of these children/junior savings accounts are:
As a parent myself, it is never to early to teach your children about the concept of savings. Even though the children might not understand the meaning for the savings, but if we as the parent, make savings as a part of daily fun activities, the kids will definitely enjoy it and appreciate it more. Experts have came out with many methods and systems that can encourage the children to learn the savings concept, but personally I'm practicing the Money Jar method. I will elaborate more about this Money Jar method in my next article.
So now, we've got some savings for our children and what do we do with it? Some people will invest the money in unit trusts or stock market. There's nothing wrong with this, but the savings quantum must be quite big to make a big difference. For small savings, naturally we are looking for a savings account for children.
There are plenty of children savings accounts in the market. The common features of these children/junior savings accounts are:
- Higher interest rate as compared to normal savings accounts
- Limited number of withdrawal per month
- Limited withdrawal method (normally OTC withdrawal only)
- Low account opening sum, as low as RM 1
- Rewards / Incentives, i.e. cash rewards for excellent exam results, free personal accident coverage etc.
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