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Friday, July 23, 2010

Save some for your rainy days.

Salam,

I might not be the expert when it comes to financial advice or the best investment for your future. However, I always believe that it's better to have some saving for your future. Since I was 15, I have had invested some money in ASB. (Amanah Saham Bumiputera). Though there's not a lot of money in my ASB account, I still can use the dividends I receive every year as my emergency fund. Of course, from time to time, I have had to use the money but I always make sure I replace it whenever possible. My hubby and I plan to open Amanah Saham Didik for our daughters soon. Yup, they already have their education insurance but this investment is for other things that they might need in future. If the older generations (before us) prefer to buy properties like some land lots and houses, my hubby and I prefer to invest our money in buying shares (in ASB or ASD) and also buying insurances.

What I want to share here is just my personal opinion about saving some money for the rainy days and also for our future. I always tell myself that I shouldn't just depend on the EPF money for my retirement plan. It's better to have more than just EPF as we never know how long we can work and of course how long we are going to live. We (my siblings and I) are quite lucky when my late mom somehow invested some money in one insurance plan. Now, it's my responsibility to make sure that the money is to be used reasonably. That's why I've also invested the money in another type of Amanah Saham. I don't want the money to be depleted and hopefully it could last longer so that it's not just for us but also for our children.

Now, I'm interested to know about your plan for your rainy days? What kind of investments have you chose for your future? If there's any better plan, I would like to know too.

6 comments:

Diyana Zulkifli said...

dua2 anak saya,saya buka akaun SSPn yg under ptptn tu.ade pengecualian cukai.dan juga tabungan biasa under kelab nuri.and tgh survey etiqa takaful utk tabungan pendidikan.tabung haji of cos la kan..mmg saya potong gaji utk anak2.slaloo mmg half dr gaji saya mmg masuk semua tabungan,insurans.balance tu,duit pengasuh ngan susu dan soping2.hehe.urusan yg lain,bab byr membayar bil dan hutang.suma suami.

ahkakbatik said...

salam..

Instead of insurance and saving, my hubby likes to buy auction house/apt. Buy properties at their lowest price and rent or resell. For this kind of property, you normally need few thousands for renovation or cleaning up... dah murah kan... sah rumah rosak sikit..

Check website auction cimb or rhb, etc..

Tapi kena spend some time untuk study the property dulu... else.. dpt rumah buruk... untung ciput..

Mummy Nana said...

SAlam perkenalan...
jalan2 dari blog ke blog.. betul tu kita perlu sediakan payung sebelum hujan... mmmm... alamak.. harapnya still xterlambat... waaaa.. takut jugakkan...

transformed housewife said...

Diyana: fathini & Hafizah mmg ada insurans pendidikan Etiqa Takaful. Amanah saham Didik tu kami ingat utk perbelanjaan lain di masa depan mcm kenduri kawin diaorg dll.

ahkak batik: hmm interesting input. We might consider it after we bought our own house first.

Mummy Nana: it's never too late to start as long as u have something for any emergency needs.

kakyong said...

adyani,
sebelum berhenti kerja, kakyong ade 3 a/c berasingan.. 2 a/c utk tidak disentuh, hanya guna bila keadaan sgt terdesak..

bila dah tak kerja.. a/c 3 habis kena korek. sbb kakyong masih bayar sendiri house loan.. kemudian terpaksa stokan takaful & keluarkan semua duit sbb dah x leh nak menten.. sedih sgt sbb takaful tu utk adik2 yg masih sekolah, tp kakyong xde pilihan..

sebaiknya semasa 'berada' ni, baiknya disusun baik2 a/c simpanan juga takaful/insuran anak2...

mcm kakyong la ni memang x daya dah.. dlm hati byk belukar duri dah.. susah nak ckp bila masuk bab kewangan & bila pasangan pandai berjanji tp tak pandai nak tepati....

dlm hal isu kewangan ni, memang kakyong rasa sukar sgt kedudukan skrg ni.. kalo hari2 pk memang boleh gila.. tp anggap sbg ujian kehidupan.. biarlah apa org nak kata, tak tahu merancang dsb.. tp bila kita sudah di bawah, kita akan tahu macamana situasi nya...

transformed housewife said...

harap2 K.Yong pun dpt simpan balik sikit2 utk anak2. pasal adik2 tu nak buat mcmmana. Nur alhamdulillah, arwah mak mmg ada tinggalkan duit sikit. skrg pakai duit tu utk kegunaan adik2.