Ini apa yang saya akan advice kepada orang muda yang baru dapat kerja kat company MNC/GLC. Banyak duit extra, jadi first thing you have to do is invest.
Tak perlu main saham atau crypto di mana risiko dia tinggi dan unlimited if you are not knowledgeable. For my clients, I can advice a little kalau nak simpan crypto.
You have a stable job in a big company, focus on that supaya boleh progress in your career growth. No point buat benda lain when you ada better opportunity long term to excel in the corporate world. Berpuluh ribu orang out there dying to get that kind of opportunity.
Objective
Before doing something, you need to know what’s the end game. Apa KPI nak capai. From there you will be more focused.
Contoh, you are saving so that you could accumulate your first RM100k.
Or maybe to have your renovation budget on your first house.
Or kalau gaji besar dan mampu pakai European car, maybe boleh jadi car fund.
Whatever you like.
Strategy
Don’t need lump sum huge amount. Start with min. RM1k.
Then we set monthly deduction of a certain amount from your bank account. Let’s say 5-10% of your initial. For this particular fund, max is RM1k monthly.
Orang muda, bolehlah take risk lebih sikit untuk potential profit lebih banyak. Jadi kita cari fund yang ada volatility tinggi. Volatility tinggi ni bermaksud range harga dia naik dan turun besar.
So when you have the automatic deduction running, market naik or jatuh you will accumulate shares of investment unit. Market naik, less unit accumulated. Market jatuh, more units accumulated.
We will run the automatic deduction for at least two years.
Why 2 years?
Now this is where I tell you that in two years time our overall market will be better than now.
I’ve been in the stock market for too long and able to understand economic report by economists. We have been in this downtrend since 7 years ago. Now is the time it will start to reverse.
Kalau tak percaya boleh baca RHB Head of Economist punya report sini.
And now is the time to buy aggressively. If you can max out the RM1k monthly, the better.
The more you save, the less benda mengarut you will spend on.
After 2 Years?
What to do after 2 years?
If a lot of profit, we will realize the profit. Maybe venture into other opportunities present at that moment.
If not enough, we will hold.
And since you followed my advice to focus on your career growth, you’d possibly no longer need the money and can keep it invested for more return.
This fund closes end of this month Dec 2021. So if you really want to follow this plan, contact me now and please provide your cooperation. Kalau masih lagi undecided, tak nak cooperate, call tak angkat, whatsapp tak reply, please spare both of us the trouble.
Everything can be done online. No worries, no need to take up your precious time to meet.
