Misi dan Visi

Misi memaximumkan ASB...

macam mana? ada 3 pilihan...loan asb,od loan asb, odasb

tanpa OD pun boleh byr loan ASB rm200k tu...
ASB rm15k tu sebagai back-up fund...
- byr rm1102 x 12 = rm13,224 setahun
- baki rm15k - rm13,224 = rm1776
- jumlah baki rm1776 + rm3600 = rm5376
pulangan:
- div ASB 7% x rm200k = rm14k
- saving bulanan rm300 x 12 = rm3600
- jumlah terkumpul rm14k + rm3600 = rm17,600
- byr thn berikutnya dgn rm17,600 ni...
- pulangan bersih rm17,600 - rm15k = rm2000
- peratus pulangan 13.33%

dgn OD/ASW rm15k, credit limit rm13,500
- byr rm1102 x 12 = rm13,224 setahun
- int OD 4.4% x rm13,224 = rm582
- jumlah byr rm13,224 + rm582 = rm13,806
pulangan:
- div ASW 6% x rm15k = rm900
- div ASB 7% x rm200k = rm14k
- saving rm300 x 12 = rm3600
- jumlah terkumpul rm900 + rm14k + rm3600 = rm18,500
- pulangan bersih rm18,500 - rm15k = rm3500
- peratus pulangan 23.33%

den lebih suka ODASB vs ASB:
- RM15K buat OD - credit limit rm13,500
- RM12K dari OD, invest dlm ASB (buku)
- RM1500, biar dlm acc untuk serve int OD
- saving bulanan rm300 x 12 = rm3600
pulangan:
- div sijil ASB rm15k x 7% = rm1050
- div buku ASB rm12k x 7% = rm840
- saving @ rm300/bln x 12 = rm3600
- div dari saving rm3600 x 7% = rm136.50
- pulangan bersih rm5626.50
- peratus pulangan 37.51%

mana satu pilihan hati???

4 comments:

liyana said...

wah...pandainye merancang kewangan..kena belajar ni..huhu

xalimx said...

rancang je ....nak cuba kn slow2 dulu..hehee

Asrol said...

Slow² dan Hati².. Huhu..

xalimx said...

asrol : betui2...kalo slh buat kang jadi gali lubang tutup lubang lak

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