你是“穷忙族”吗?

1.一周工作超过54小时，但是看不到前途。
　　2.一年内未曾加薪。
　　3.三年内未曾升职。
　　4.薪水很低，到月底支出很是艰难。
　　5.积蓄少，无力置产。
　　6.工资不低，但花钱很大手笔。
　　7.收入不低，但内心没有安全感。
　　以上7项，如果你有2项或者2项以上，你属于“穷忙族”了!
　　典故
　　有一个樵夫每天砍柴卖柴，上山砍柴，下山卖柴，就这样过了很多年。有一天，他走到一棵大树下，放下柴，停下来休息。他的伙伴走过来催促他说：“走了，走了，赶快上路了。”他跟他的伙伴说：“等一下，我还在等我的灵魂跟上我。”
　　而如今有很多人的状态却是：陷入忙乱的生活、工作中无法自拔，一边在忙活着，一边空虚感叹着，不知道生活的意义、生命的价值在哪里。
　　
　　中国字很有智慧，这个“忙”是会意字，一个人“忙”的时候代表什么?(竖心旁一个亡)心会死亡，会不敏感，体察不到别人的需要。所以人一忙，头脑就不清楚，而“忙”到最后也就“盲”了，忙到最后看不到亲人的需要和感受。如果这样的人生继续走下去，忙了几十年，结果家庭也不和乐，身体也搞坏了，自己感觉这么拼命，怎么会走成这样，真是心里一片空空，茫然不知所措，到底人生应该怎么走才对?这样穷忙的人生是不是我们所需要的?

Unit Trust Funds +7.6%

I keep buying a series of unit trust funds periodically and solely from Public Mutual. The range of unit trust funds portfolio that in hands are mainly:
- Public Bond Fund,
- Public Enhanced Bond Fund,
- Public Islamic Balanced Fund,
- Public Select Bond Fund,
- Public Money Market Fund,
- etc.

It provides a very good profile with the balance and diversification investment strategies and risk tolerance.

Since April 2005 till now (regardless of market downturn), linearly, my portfolio produces a return result of average 7.6% yearly.

The result is equivalent to ASM and ASW2020, yet with the fun of monitoring the performance (of course I rate them higher risk than ASM / ASW2020; but it's both - fun and fund).

ASM +7.1% and ASW2020 +7.3% Returns

Amanah Saham Malaysia (ASM)

Permodalan Nasional Berhad (PNB) offerred 3.33 billion additional ASM units from 21 April to 27 July 2009.

As usual, 50% of the shares allocated for Bumiputera investors, 30% for Chinese, 15% for Indian, and the rests is 5%.

Chinese units sold out in 1.5 days (max 20K units per acount @ RM1/unit). It is not that hot as ASW2020 although the historical returns show as favourable to ASW2020.

2006 6.75%
2007 6.80%
2008 7.80%

An average of 7.12% return.


Amanah Saham Wawasan 2020 (ASW2020)

ASW2020 offer was start from 27 April 2009. ASW2020 still follows the allocation quota of 51% Bumiputera and 49% Non-Bumiputera. If not mistaken, Non-Bumiputera units were sold in 3.5hrs (max 20K units per account @ RM1/unit).

Historical return record as below:
1999 10.20%
2000 8.80%
2001 7.25%
2002 7.25%
2003 6.60%
2004 7.00%
2005 7.10%
2006 6.80%
2007 8.00%
2008 7.00%

An average of 7.27% return in the past 3 years.

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Since these lowest risk investment tools (just higher than FD) generated >7% return, why you still keep your money in FD (~ +2.5%) and pay out all for your housing loan (~ -3.75%)?

For your future reference, Counters Amanah Saham Nasional Bhd. (ASNB) and Pos Malaysia sell these Amanah Saham from 8.00am to 4.00pm whereas the other agents; Maybank, CIMB Bank dan RHB Bank operated from 9.15am to 4:00pm.

Skim Simpanan Pendidikan Nasional (SSPN)

If you and your spouse are having medical insurances to claim tax RM3000 max, why to adopt child education insurance which cannot relief more tax, if the SSPN (additional RM3000 max tax relief) which able to meet your benefit / insurance requirements?

Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) introduced a savings scheme which puts emphasis on ‘Savings Towards Higher Education’. Besides ensuring annual dividend returns, the SSPN also provides special financial incentives in the form of Matching Grants especially for low income depositors. In addition, insurance coverage and payment of death compensation is provided free of charge to all eligible depositors.

Benefits

1. Tax relief on savings up to RM3,000 per year,
2. Free insurance coverage up to RM50,000 (dollar to dollar) for depositors who have an accumulated deposit of a minimum of RM1,000 (eligibility for insurance/death compensation is only for depositors between 18 and 65 years, whereas death compensation is awarded only to beneficiaries aged 1 to 28 years),
3. Matching grant with a maximum endowment of RM10,000 per family (a family whose household income does not exceed RM2,000 per month is eligible for a matching grant when the child is accepted into a higher learning institution), and
4. Deposit as low as RM20 at any time deemed necessary and government guarantee on savings
Competitive dividend rate and tax exemption on dividend,

Saving Method

1. Salary deduction for the staff of government and private sector,
2. Salary deduction through Biro Perkhidmatan Angkasa,
3. Auto debit - Bank Pertanian Malaysia and Maybank,
4. Standing instruction - Bank Simpanan Nasional; or
5. Online transaction through e-SSPN - especially for those who have savings accounts in Bank Islam Malaysia Berhad, CIMB Bank, Hong Leong Bank, Public Bank Berhad and Maybank.


List of agent:

1. CIMB Bank Berhad
2. Bank Pertanian Malaysia (BPM)
3. Bank Kerjasama Rakyat (BKR)
4. Bank Simpanan Nasional (BSN)
5. Bank Islam Malaysia Berhad (BIMB)

More details, please refer to PTNPTN website: http://www.ptptn.gov.my/web/guest/simpanan