Rahsia RM

by KClau

I am so glad to receive an email from a young reader, Sam ( not his real name):

Hello,I am glad to find a financial blog by Malaysian. I would love to ask advice from you regarding my financial planning.   I am now 25 year old student but I plan to start investing next year after I graduate. I plan to use mutual fund as my financial vehicle. I plan to invest at least RM1,000 per month in fund and I plan to retire within 5 to 15 years. Can you advice me roughly what fund portfolio should I have? my risk tolerance is moderate. Is there any possible ways for me to reach my goal quickly and more effectively?
Thank you. hope to hear from you

In order to give him more accurate suggestion, I need more information. This is the email I sent to Sam:

Regarding your inquiry, I need to have more information to give proper advice:

1. What’s your aim on retirement? Example, having RM5,000/month passive income
2. How do you plan to save RM1000/month? It is not easy to do that especially for a fresh grad. I would love to hear your story.

I am so surprised that Sam actually has all the answers already. He has a very clear goal and also a plan. Let’s see how he plans for his retirement. This is taken from his email:

For now I am studying Engineering in Australia under parents’ sponsorship. 
 
So far after some salary from internship and persistant money saving, I predict when I graduate, in somewhere september 2008, I will have a pool of roughly around RM85k. I predict my final $$$ will be between 60k to 100k RM in my bank. 
 
I would put roughly 80k RM of this money into fund, most likely Public Mutual. One reason is I checked most mutual fund companies offer similar rate everywhere, like 5% load, 1,5% management fees. Sheessh, not much choice in Malaysia. That’s for my initial rate.
 
I would be 26 year old when I graduate. I will adopt max income, min expenses strategy for my first 5 years of working. If I am to work in Malaysia, I will pick a company that is willing to pay me RM4k a month, which I doubt I will get it due to poor appreciation of Human Resource in Malaysia. So I have been planning to work oversea for about 2 years to gain experience, contacts and also high income (possibly over RM10k if I work in Europe or Dubai).
So for the first 2 years, the income will support my investment, between 1k to 2k per month. I think it should be OK, dunno why people invest very little as RM100 per month only.
 
After having enough experience oversea, I think I will be able to find a job with good salary when I come back to Malaysia to cover my investment input.
 
My plan of retirement is having passive income of at least RM4k per month, or having at least 0.5 million in my portfolio, either one of them that has higher value. The time frame for such goal is within 5 to 15 years. I hope it is possible with my initial 80k RM capital and bullish trend recently.
I plan to put my bet in mutual fund, with moderate risk (for now)
 
The first 2 years working oversea will be hard for me to monitor the situation. I plan to have the portfolio of 90% in balanced fund and 10% Bond fund while i am oversea, and when I come back to Malaysia I plan to have portfolio of 10% bond, 50% balanced and 40% equity. I hope I am not too conservative  

I am expecting 15% growth per year at least (my conservative expectation) and I think the goal will reach faster if it is 25% to 30% return per year.
 
I plan to be a persistant dollar cost averaging investor, planting money every one of two month consistently into my fund.

I plan to put my money into mayban account because it has online banking, making it easier to manage my $.
 
For educating myself, I have bought some good books to read. For personal financial planning, I bought the book Your Money or Your Life and Wealth Odyssey. They helped me to manage my relationship with money, by saving more and spending less.
 
Then I bought All About Mutual Funds, to learn about basics of MF and I might buy The Morning Star Guide to Mutual Fund, to learn some effective strategies in fund.
 
I also asked my parents to order monthly Personal Money to gain info about the fund news.

Thanks a lot for helping and sharing 

Retirement Plan

Before we do any calculation, let’s get a clear picture of his retirement journey, as shown in Figure 1

Figure 1: Illustration of Sam’s Retirement Plan

From his email, we know the following information:
1. He will have at least RM80,000 net worth to start with at age 26
2. He will continue to invest at least RM1,000 per month starting from age 26.
3. Expected return is 15% per annum.
4. His retirement goal is RM500,000 or passive income RM4,000/month. In this case, I will use RM500,000 as the main goal because for 15% return, RM500,000 capital will give him RM75,000/year, or RM6250/month which is more than RM4,000. This is a more difficult task compare to RM4,000/month passive income.

Now, what we have to do is to calculate the value X = the retirement age, if all goes well as planned. Use this simple saving calculator.

Key in the following data as shown in Figure 2.

Figure 2: Simple Saving Calculator data entry page

Here is the result:

Figure 3: Saving schedule

Sam will reach his retirement fund goal at year 8th. He will be 34 years old at that time.
Result: Retirement age, X = 26+8 = 34 years old, which is also within the time frame he set (5-15 years).

How about Inflation?

We all know that inflation will cause money depreciation. After 8 years time, is the RM6250/month equivalent to RM4,000/month purchasing power now? Let’s do some calculation, using this Financial calculator:

Figure 4: Financial calculator used to calculate the annual rate.

Input the information as shown in Figure 4, except the interest rate per period, and press “IR”.
The result is 5.74%. This means that even if the inflation rate is high, as long as it is lower than 5.73% per annum, the purchasing power of RM6250 after 8 years time is still higher than the current RM4,000.

Is the passive income inflation adjusted?

In this discussion, it will be a little bit confusing. But I wish that I can give a very simple and clear explanation.
When Sam retires at age 34, he will have RM6250/month to spend. Meanwhile, his capital of RM500,000 is intact and preserved. But if he keep spending RM6250/month, his RM500,000 will still remain the same RM500,000, forever. At the same time, inflation keep depreciating his money. He will soon realize that his RM6250/month is not adequate anymore.

In this case, he can’t practically spend all his passive income. He should leave a certain portion of the return, and put it back into the capital and keep accumulating it to hedge against inflation. If you study financial planning courses, you will know that there is a formula to calculate the Inflation Adjusted Rate (IAR) :

The actual passive income Sam will have at age 34 is RM500,000 x 12% = RM60,000 p.a. = RM5,000/month.
After that, his principle retirement fund of RM500k will grow because he only spend 12% of the return and 3% is injected back into as capital investment. During the next year, the 12% return will give Sam more than RM5,000/month to spend, which will hedge against inflation.

A Plan is Nothing without Action!

Sam’s plan can be implemented. If he does it correctly with the highest commitment, it will work. I think the main challenges are:

• Will he be discipline and consistent to really spend only the minimum and save the maximum?
• How to constantly get a return of 15% per year? It’ll require another post to discuss this matter. I learn that Warren Buffett’s investment returns is about 25% p.a.
• Can he set aside all the other family commitment - getting married, having children, home purchase, car purchase etc. - that might be obstacles during his accumulation period?

Do you think Sam can make it? After 8 years time, I wish that I can write a follow up post about Sam’s financial situation.

For many people the ultimate success in a corporate career is to reach the most senior position in the corporate ladder, which is typically accompanied by a C-level title: CFO, CIO, CMO, COO, and, the top company title of CEO.  Reaching the top job in the corporate world requires many years of experience and several qualities and skills such as leadership, communication skills, charisma, financial acumen and a strong understanding of the business.  The only exception to this rule is when an entrepreneur, who usually has a completely different set of skills, launches a successful business venture and becomes the CEO.  However, most successful entrepreneurs recognize that in order to run the company effectively and continue growing they need to hire a professional CEO.

In the days of the internet bubble, many young people, sometimes straight out of college, sought the top C-Level jobs at a startup dot-com.  A few of the startup companies recognized that in order to survive they needed to hire professional business managers, or “adult supervision”.   Others were managed by kids who kept on spending their venture capital on lavish parties and never made any money.  We know how that story ends.

For those taking a more traditional career path in the corporate world, you too can become a CEO someday.  There was a time when that position was reserved for a privileged few, usually from a wealthy family background, an Ivy League degree and the right political contacts.  Today, for the most part, the top chiefs get to their position through merit, that is, their ability to lead, achieve results and influence people at that level.  There are no secrets to reaching the top position in a corporation, but if you are serious about pursuing the top position, you need to educate yourself.  The best way to find out how to become the boss at the top is to learn from those that have already achieved that goal.

Before we further discuss learning how to become the chief, let’s define a few terms.  The CEO title stands for Chief Executive Officer, and it is the common way in corporate America to describe the individual who is responsible for managing all the other executives in the company and who is ultimately accountable for achieving company results.  The title of President is usually redundant with CEO, and is also used to describe the head of the company, but it has special legal meanings that are significant.  For instance, banks require the President to sign certain legal papers.  In many countries the President, who can also be called Managing Director, or sometimes Executive Director, holds the top job.

There can be many chiefs in the company, but they all report to the CEO.  Some of the most common titles include Chief Operating Officer, Chief Financial Officer, Chief Information Officer, Chief Marketing Officer and Chief Legal Officer.  To make it a bit confusing, sometimes the Chief Operation Officer is also the President.  The COO is responsible for carrying out the operations of the company, and in these situations the CEO is more focused on developing the company strategy and dealing with the outside world.  The Chief Financial Officer (CFO) is responsible for the company’s financial statements, but in many cases CFOs carry a broader set of responsibilities, including administration, legal, strategic planning, human resources and computer systems.  With the increasing role of information technology in company strategies, the role of Chief Information Officer (CIO) has become more common and gained more clout among executives.

The best way to get a firm understanding of what you need to do to reach the top job in your functional area, or even the CEO job, is to learn from those that have already reached those jobs.  Before you become a chief, you need to start thinking and acting like one.   Many employees get too focused on their own part of the work and don’t get to understand the business as a whole.  They think it is their bosses’ responsibilities to understand what is happening at the next level above them.  This is a big mistake.  You should attempt to learn as much as you can from your boss and try to understand what problems he (used generically here for both genders) is trying to deal with on a daily basis.  Then try to help your boss achieve his goals and solve his problems.

Don’t be afraid to reach out to the chief, including the CEO.  CEOs are just folks like you and me.  They come in all shapes and forms, have different personalities, different education and backgrounds.  Some are nicer, warmer, more honest, and more down-to-earth than others.  Some have come from wealthier backgrounds, but others started from scratch and built their careers one step at a time.  But most importantly, they are all human.

If you are too far down the corporate ladder to have an opportunity to interact with the CEO or even the top officer in your functional area, you can still learn by reading about them.  If you want to learn more about CEOs, I would recommend the book How to Think Like a CEO by D.A. Benton.  In her book, Ms. Benton describes the 22 vital traits to be the person at the top: 

1.  
   1. Secure in self
   2. In control of attitude
   3. Tenacious
   4. Continuously Improving
   5. Honest and Ethical
   6. Thinking before talking
   7. Original
   8. Publicly modest
   9. Aware of style
   10. Gutsy / A little wild
   11. Humorous
   12. A tad theatrical
   13. Detail oriented
   14. Good at their job and willing to lead
   15. Fighters for their people
   16. Willing to admit mistakes, yet unapologetic
   17. Straightforward
   18. Nice
   19. Inquisitive
   20. Competitive
   21. Flexible
   22. Good Storytellers

Notice that the first item on the list is secure in self.  Being confident is extremely important in anything that we do in life.  One common characteristic of chiefs is that they have more self-confidence than most other people.  So how do you build enough self-confidence to reach the top job?  Through small victories.

Most chiefs have had many successes in previous positions of lesser responsibility.  This does not mean that they never failed.  Much to the contrary, they learned from their mistakes and carried those lessons with them so that that they wouldn’t make the same mistake again.  If you are going to make a mistake, it is better to make it early when the consequences of your mistakes do not have as large an impact as when you are the CEO.  Jack Welch, the famous ex-CEO at General Electric was very aware of the importance of building self-confidence is his subordinates.  He has written and lectured about giving high potential employees an opportunity to get additional responsibility and build enough confidence to take on the next job in the corporate hierarchy.  Many of the CEOs of the largest companies in America came from GE, where they had a chance to hone their skills and build their self-confidence.

We will cover self-confidence extensively in the Personal Development section of Worldwide Success, so be sure to also check the article is that category. 

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Top 5 Tips for Achieving Success by ww-success

Do What You Love. It is hard to argue with this one. Have you ever found anyone that is successful doing something they hate? I guess you can take the definition of success to any extreme, but I have a hard time accepting that anyone living in misery doing something they hate can be called successful.

Much has been written about success.  You will find many differing opinions on not only how to achieve success, but even on what success is.  For some people success is financial bliss.  For others, it is freedom.  Yet others find success in health, family and friends.

Some say that success is just luck.  “Luck?  Nonsense. The harder I work, the luckier I get” said multi-millionaire Ralph Engelstad.  Hard work?  Forget about that!  Success is about laziness, says The Lazy Way to Success.  So who is right?

Can we distill all the success literature into 5 simple pieces of advice that all the “success experts” can agree upon?  I think you will find the Top 5 list below in all but the most radical personal development and success thinking out there:

1. Do What You Love

It is hard to argue with this one.  Have you ever found anyone that is successful doing something they hate?  I guess you can take the definition of success to any extreme, but I have a hard time accepting that anyone living in misery doing something they hate can be called successful.  Naturally, doing what you love gets you the motivation and the excitement required to achieve success.  In fact, for many, doing what you love is success in and of itself.

2. Perfect Your Game

If your definition of success is being great at something, then studies have shown that the secret to success is to practice to perfect your game.  These studies even argue that natural talent is irrelevant, and that it is all about the practice.  Regarless of which side of the nature versus nurture argument you simpathyse with, most people will agree that in order to be successful you have to perfect your game.

3. Be Unique

It is hard to imagine a clone being a symbol of success.  Success is about bringing your own unique ways to the world, adding diversity and value.  Most experts will agree that if you want to be successful you have to find you niche, you have to find ways to leverage your own unique gifts.  Success, even in its very definition, is about your own unique perspective in our vast universe.

4. Believe in Yourself

I am yet to find a successful person that does not believe in himself.  If you don’t believe in yourself, who will?   Studies have shown that success is influenced by your mindset.  Successful people believe that they can get better through their own efforts.  If you want to be successful, start believing in yourself.

5. Never Give Up

Last but not least, every success guru will tell you that you must never give up.  To be successful you must persist through failures, criticisms, rejections, and all the other negative things in life.  You must have heard the old cliché that success is a journey, not a destination.  In the success journey, the only time you can say for sure that you are not a success is when you give up on the journey.

My Top Five Motivational Quotes by Dave Das

Success is a mind game.

My Top Five Motivational Quotes

In life we all need some form of motivation one way or another. Some gets motivated by work, some by the books and so on. It is always good to have a motivational guide to help us in our journey of life. I normally refer to quotes as my motivational guide and here are my best few.

It would be nice if some of my readers could adopt one of these quotes as their motivational guide.

1) Don’t crack under pressure.

Yes this is one of my favorites among all. I got this from an advertisement by a swiss watch manufacturer in a local paper a very long time ago. Often in life we are put under tremendous stress and pressure from work and our daily lifestyle. I would always try to remind myself not to give in to the pressure but to overcome it.

2) Challenge what the future holds.

I motivate myself to move forward in life with this motto. I cannot remember the origin of this phrase but this is has been etched in my mind till today making it my no.2 choice. We must be bold to excel in life and by not being afraid of the future gives us the confidence to move on.

3) Success – it’s a mind game.

This phrase is also picked up from an advertisement but from a glossy magazine. When I first saw this phrase it didn’t quiet make sense to me being how naïve I was back then . Yes I admit I was, and maybe still am naïve. But as time goes on it starts to sink in. To be successful it is all about the decisions we make in life. It is a mind game. What we choose to do today may very well change the direction of our lives. We play the game right, we live our lives right.

4) To be or not to be.

I remind myself with this quote whenever I am undecided. Let’s say an example to be a blogger or not to be one. If I choose to be one then I will try at least my best to deliver my set goals in life that is being a blogger in this example. Having this quote in mind helps me make decisions a lot easier.

5) Success is never final.

This one I got from a t-shirt which I was using. Only four words but means a lot. Today we may be successful but tomorrow is another day. If you are filthy rich it does not mean you are successful. You are successful only if your set goals are being met. If you have a million dollars but your set target is two million then you have not reached your success level.

Top 5 Financial Tips for Recent Graduates by Elizabeth

Spend less than you earn. This goes hand-in-hand with getting out debt. Getting out of debt can be a huge challenge that can take some people years and years. Be patient and persistent and you will overcome it.

As recent graduate, I couldn’t wait to start earning some money. Unfortunately, with the lack of financial education in schools, the only guidance I had was what I received from my parents and what I read. That only gets you so far. With all the advice dispensed this time of year, I thought a little bit more couldn’t hurt. Moreover, I gathered up some input from other twenty-something bloggers and included that here as well. Enjoy!

1. Find a something that you enjoy and do it for a living. This tip was originally find a job that you enjoy, but I realized that many people don’t consider the way they earn a living a “job.” If you find a job you truly enjoy, the money will follow. At least that’s what everyone says. I know I enjoy helping people (like doing service work). Even if I don’t do this for a living there are other ways to help people. Here are some suggestions on how to do that on a small budget.
2. Spend less than you earn. This goes hand-in-hand with getting out debt. Getting out of debt can be a huge challenge that can take some people years and years. Be patient and persistent and you will overcome it. Grad Money Matters offers some great advice on how to get out of debt.
3. Save. There’s great beauty in compound interest. If you need convincing that you should start saving now, take a look at this chart. Here’s a good post from I Will Teach You to Be Rich about saving and budgeting.
4. Have fun. Just because you’re not in college doesn’t mean you can no longer have fun. Here are some tips from others on spending less while having fun. Remember you don’t have to be totally cheap to have a good time. Read this post from Ramit if you need to be convinced. Here’s some advice from Grad Money Matters on Frugal Ways to Spend Time with Friends. Noah from Okdork offered this advice: “Pre-party. Drink a little before you go out, taxi to the place and you just saved a ton of money on drinks. Or bring a flask to the bar.”
5. Wear Sunscreen. This is very cliche, but it’s true. If you don’t have your health you can’t effectively take care of yourself or your finances. Find an activity that helps you stay in shape and participate in it frequently. This can be anything from running, to tennis, to yoga. Just take the time to take care of yourself.

Top 5 Tips for the College Grad by Kim Roach

There are people in China and India who will work 3x as long as you and 10x as hard as you to try and compete for the same job.

1. There are people in China and India who will work 3x as
long as you and 10x as hard as you to try and compete for
the same job.

We are not living in the same economy that our parents did.
We are now living in a global economy. And in a global
economy, anyone can have your job, regardless of whether
they live in Tokyo or New York.

It’s up to us to stay competitive in a global economy in
which every country can compete for your job. Only you can
set yourself apart from the students who still haven’t
quite caught on. It’s up to you to take on the summer
internships, work the unpaid jobs, make network contacts,
and gain valuable skills that will market yourself to
potential employers.

A college degree no longer entitles you to a job. In fact, a
college degree will barely get you in the door. We are
living in a new economy and most grads simply aren’t
prepared for it.

2. Learning doesn’t stop after college.

The world is changing at an exponential pace. Technology is
changing every day. Because of this, we must continue to
learn new skills. Otherwise, we will be left behind while
others charge ahead to more advanced positions.

It is essential that you become a lifelong learner. You can
learn anything you desire through books, online material, or
classes. But remember, knowledge doesn’t belong to the
University. You can learn anything your set your mind to.

3. Find what you love to do.

Happiness is the key to success. As once said by Dale
Carnegie,

“People rarely succeed unless they have fun in what they
are doing.”

Research has shown that the most successful people in life
are those who love what they do.

Steve Jobs once said,

“You’ve got to find what you love. And that is as true for
your work as it is for your lovers.

Your work is going to fill a large part of your life, and
the only way to be truly satisfied is

to do what you believe is great work. And the only way to do
great work is to love what you do.”

Too many people simply fall into the job that comes their
way. Live is too short to work in a job that you don’t
enjoy.

The world is too big and the opportunities too great not to
find what you love to do.

4. You must learn to network.

In the end, life is really about relationships. You’ve
probably hear the saying, “It’s not what you know, it’s
who you know.” This is true. Although it may not always
seem fair, the person who gets the job promotion is
often the person who eats lunch with the boss, is
good friends with the family, and is an all-around
likeable person.

People hire those that they like and trust. Therefore, you
must make it a habit to build a network of friends. Life
will be much more rewarding because of it.

Unfortunately, this skill isn’t taught in schools.
Networking simply can’t be learned from a book. Instead,
you have to get out in the real world, meet people, make new
friends, socialize with coworkers, spread your positive vibes.

By becoming a more sociable person, you’ll be surprised at
all of the new opportunities that come your way.

5. It doesn’t matter how much money you make if you don’t
know how to manage it.

One of the greatest downfalls of public education is that
they do not teach financial planning. Graduates know all
about writing essays and memorizing facts, but very few know
how to manage their own finances.

In fact, the mmajority of graduates end their schooling with
a pile of debt. What good is it to earn $100,000 a year if
you don’t know how to invest it properly.

We must take the initiative to educate ourselves on how to
properly save money, eliminate debt, and invest wisely.
Otherwise, it really doesn’t matter what your paycheck
looks like.

The Federation of Malaysian Unit Trust Managers (FMUTM) has hailed the new guidelines from the Securities Commission (SC) on single pricing regime (SPR) for unit trust investments comes into effect from July 1, 2007 .

In a statement, the federation described the initiative as “timely”, saying that the industry is committed to working closely with the SC to continuously enhance transparency and facilitate easy understanding on unit trust investments.

The SPR is introduced to replace the current dual pricing regime where selling price and redemption price are quoted in the newspapers and sales charges are included in the selling prices.

Under the SPR, there will be one price, which is the net asset value (NAV) per unit and sales charges are calculated on the NAV. All these will be separately disclosed in the transaction statement.

To further facilitate investors’ understanding of investment costs, the rates of sales charges offered by different distribution channels are listed in the prospectus.
As a result, investors will be able to compare the investment costs in unit trusts associated with different distribution channels and the service level provided, FMUTM said.

“Investors who require personalised services such as meeting them at odd hours of the day can select the distribution channel that offers such services,” the federation said.

FMUTM also stressed that whether it is the dual pricing regime or the SPR, the important factor is that investors must take the effort to better understand about unit trust investing and its pricing.

“Once they fully understand the mechanism, they will find that investing in unit trusts is relatively simple and inexpensive,” it added.

Keterangan   :

Jika sebelum ini jika pelabur melabur didalam unit amanah, pelabur akan membeli pada “selling price” dan menjual pelaburan mereka pada “buying price”. Perubahan yang berlaku sekarang adalah, pelaburan di unit amanah menggunakan single pricing sahaja.

Apakah perbezaannya?

Sebenarnya tiada apa yang berbeza, pelabur masih lagi akan dikenakan servis caj semasa mula-mula melabur, tetapi kaedah baru ini memboleh pelabur lebih peka  dengan jumlah caj yang dikenakan kepada mereka.

Bagaimana pengiraannya?

Jika sebelum ini, pelabur yang membeli pada “selling price” akan menunggu “buying price” melebihi “selling price untuk mendapatkan untung. tetapi dengan kaedah baru ini. cara yang paling mudah adalah.

Apabila pelabur mula melabur, anggapkan sahaja pelaburan anda bermula dengan -(servis caj)%.

Contoh: Ahmad melabur didalam Dana Tertentu sebanyak RM10,000 dengan caj yang dikenakan adalah 6.5%. Maka disini pelaburan Ahmad akan bermula pada -6.5% daripada modal asal (RM10,000) . Jika pelaburan Ahmad mencecah keuntungan sebanyak 10%, maka Ahmad akan mendapat keuntungan sebanyak RM1000 daripada modal asalnya tadi.

Unit amanah semakin popular beberapa tahun kebelakangan ini. Ini kerana unit amanah merupakan jalan bagi pelabur kecil untuk meluaskan kepelbagaian pelaburan tanpa perlu had jumlah wang yang dilaburkan. Manfaatnya pula bukan setakat itu sahaja.

Tetapi, apakah unit amanah? Unit amanah merupakan skim pelaburan yang mengumpulkan wang daripada ramai pelabur yang berkongsi matlamat kewangan yang sama. Sebagai pertukaran kepada wang itu, dana menerbitkan unit kepada pelabur yang dikenali sebagai pemegang unit. Pemegang unit boleh menjual semula (iaitu menebus) unit mereka kepada dana, atau membeli (dan menjual) unit seterusnya pada bila-bila masa

atau
Unit Trust adalah suatu bentuk pelaburan berkumpul yang membenarkan pelaburan
yang mempunyai matlamat serupa mengumpul dana masing-masing untuk dilaburkan
dalam satu portfolio sekuriti yang diuruskan oleh para pengurus dana secara
professional .

Ejen unit amanah diperlukan jika anda ingin membuat pelaburan dalam unit amanah.

Perancang kewangan boleh membantu anda menyediakan perancangan kewangan. Manakala penasihat kewangan pula memberikan khidmat nasihat mengenai produk pelaburan seperti stok/saham.

Justeru, berhati-hatilah. Jangan tergesa-gesa mendapatkan khidmat sesiapa sahaja.

Pernahkah anda terfikir apa yang akan berlaku kepada sebuah kebun sayur yang terbiar? Sudah tentu kebun itu mempunyai lebih banyak pohon layu berbanding tumbuh-tumbuhan berdaun hijau dan buah-buahan segar. Perkara yang sama juga berlaku kepada pelaburan. Jika tidak diawasi, anda mungkin tidak akan melihat hasil dan pulangan yang diharapkan. Oleh itu, jika membuat kajian sebelum melabur itu penting, maka mengekalkan disiplin untuk memantau pelaburan itu juga sama pentingnya. Mengawasi pelaburan merupakan aktiviti yang perlu dilakukan bagi memastikan prestasi pelaburan anda bergerak selaras dengan perancangan kewangan dan jangkaan anda. Dengan memantau pelaburan anda, anda boleh menyesuaikan strategi anda sama ada meningkatkan pulangan atau mengurangkan kerugian. Diberikan di sini beberapa panduan mudah untuk mengawasi pelaburan anda:

1.Perhatikan Perubahan

Kita hidup dalam dunia yang berubah-ubah. Segala-galanya bergerak dan berubah dengan pantas. Oleh itu, tidak kira betapa teliti dan terperinci pun anda membuat perancangan kewangan, ia tetap akan dipengaruhi oleh perubahan. Perubahan kepada undang-undang dan peraturan, persekitaran ekonomi dalam negara dan dunia yang berubah-ubah sifatnya, (contohnya, krisis kewangan Asia pada tahun 1997), perubahan dalam pasaran modal dan perubahan dalam keuntungan syarikat boleh mempengaruhi pelaburan anda. Kesan daripada perubahan itu, pelaburan anda mungkin perlu disusun semula untuk disesuaikan dengan perancangan kewangan dan matlamat anda dengan lebih baik lagi. Pelabur yang bijak perlu proaktif kepada semua perubahan ini.

2.Nilaikan Prestasi

Anda perlu memantau dan menilai prestasi pelaburan anda secara berterusan untuk mengetahui keadaan pelaburan tersebut. Periksa selalu bagaimana saham, dana unit amanah dan pelaburan anda yang lain bergerak dibandingkan dengan perancangan yang anda buat ketika mula-mula menetapkan matlamat pelaburan anda dahulu. Jika pelaburan anda berada dalam keadaan memuaskan, anda mungkin mahu melaburkan lebih banyak wang, atau mengeluarkan sebahagian daripada keuntungan anda dan membeli produk pelaburan yang lain. Jika prestasi pelaburan itu tidak berlaku sebagaimana yang diharapkan, anda mungkin mahu menjualnya. Berapa kerap anda perlu menyemak pelaburan anda bergantung kepada saiz dan jangka masa pelaburan tersebut, dan sama ada anda memilih aset yang berisiko tinggi atau rendah.