QUOTE(K.I.T.T @ May 6 2012, 01:01 PM)
ini have to deposit how long ah?KWSP dan Socso, can change with another things?
KWSP dan Socso, can change with another things?
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May 6 2012, 01:05 PM
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#1
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
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May 6 2012, 01:07 PM
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#2
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
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May 6 2012, 02:35 PM
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#3
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
QUOTE(K.I.T.T @ May 6 2012, 01:21 PM) ko kerja bawah company lain diorang bagi Socso+KWSP.tapi ko keja dengan aku ..gaji aku bagi RM 968 per month tapi awal bulan 1hb ~ 7hb Prudential akan deduct RM 68. gaji ko sebenarnya RM 900.tapi in real world (dalam slip gaji) RM 68 aku classified as advanced. bro,i dah beli plan HLA lako denggi ke / langgar paku karat ke ko sendiri claim pergi kat Insurance...Insurance tu bayar..insunracen tu nama ko 100%.company aku tukang bayar..esok lusa ko nak pergi kerja kat tempat lain tambah pengalaman insurance tu masih kekal dibawah nama ko....nak batalkan? nak giveup? sendiri tentukan.cukup 20 tahun nak keluarkan semua duit to.dipersilakan.kalau tak salah aku lepas 20 tahun total yang ada RM 8k lebih.. kalau esok lusa Prudential kena takeover by other firm thats another story la. simpan rm383 utk 6 tahun jer pastu dpt GYI sampai 20/30/40 |
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May 6 2012, 03:31 PM
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#4
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
QUOTE(K.I.T.T @ May 6 2012, 02:46 PM) yearly 4600,1st year protection at 45k -+since it's not for protection but purely savings,so i wouldnt insist on the protection medic card,36 critical illness,all up to you and your needs la.. |
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May 6 2012, 03:35 PM
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#5
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
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May 6 2012, 03:37 PM
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#6
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
QUOTE(ar188 @ May 6 2012, 03:34 PM) interesting plan then.. 4600 for 6 years only right? then auto grow.. 4600 per yearhow much returns per year? (guaranteed + variable additional bonus/dividend) rm1000 yearly return until year 20/30/40 long term insurance savings are only at 5-6% if u hear anybody telling you that you'll get 25-30%,avoid them at all cost |
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May 6 2012, 03:38 PM
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#7
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
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May 6 2012, 03:43 PM
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#8
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
QUOTE(ar188 @ May 6 2012, 03:39 PM) 25-30% cheesin ar?!! thats why alot of people go complain to BNM when someone tells them thatrm1k for 20year means year 20 only get 20k of your basic? but you paid 4.6k for 6k years wor.. (excluding this 5-6% ) means 6 year they use your 20+k to roll.. it's impossible for savings plans to yield 30%p.a 1k for 20 year,20k for 20year +5.5% dividend p.a if u do withdrawal then thats the package la if u do accumulation they give 5.5% p.a on your 1k yearly,compounding QUOTE(K.I.T.T @ May 6 2012, 03:40 PM) income tax as insurance relief |
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May 6 2012, 03:52 PM
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#9
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
QUOTE(ar188 @ May 6 2012, 03:47 PM) yeah compounding, but start from 1k (1st year) if start from 5 or 10k at year1.. then lagi shiok hor.. that one of course shiok lo...i also want like that but unfortunately i tarakanyway what's the 20/30/40 year? automatically it'll stop your compounding your plan after 20year? (if choose that 20year option)? actually the plan can go up to 90years but ask yourself can u live up to 90years? but what i would advise is to take 20/30/40 considering we may not live that long,optimal la.. but compounding still goes on |
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May 6 2012, 04:04 PM
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#10
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
QUOTE(ar188 @ May 6 2012, 03:55 PM) shiok when the plan go in auto pilot mode hor.. every year receive statement about money in.. but mine got 2 income, guaranteed payout + annual performance bonus.. can go double digit when added up (or high single digit percentage at slow years).. huhu yep,that i put my money aside dont have to think much bout it since im not gonna use itmmm i guess diff company diff name, isn't annual performance bonus = dividend? |
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May 6 2012, 04:38 PM
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#11
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
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May 6 2012, 04:57 PM
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#12
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
QUOTE(ar188 @ May 6 2012, 04:47 PM) i think it's quite tricky to calculate return on investment, cos remember year 0 to year 6 probably you paying RM4.6k but seeing 1k back at year 1 + some 5-6% dividend.. so average wise Y0,Y1..to Y6 return would be quite low percentage wise.. if want to calculate opportunity cost.. say if these money was to be added to your EPF. probably after year 6, then can see it growing very fast due to no more money needed to pump in.. anyway the key is to hold on for many decades as spare lor. the 1st 6 years are like what you saidI wonder this surrender value can use as collateral for other bank loans or not? if looking at surrender value it's low most people get the wrong idea of getting rich thru these plan well,it can be used as an collateral last year but this year unfortunately you cant use them anymore. just some info if purchase these plan using company name.it can be taxed due to it's consider as assets once surrendered. |
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May 6 2012, 05:10 PM
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#13
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
QUOTE(ar188 @ May 6 2012, 05:00 PM) yeah i was reading some taxation casestudy for company.. even interest gain in FD also must kena tax.. but if you issue a cheque for director as expensesthen it wouldnt kena tax already or,if the director put the nominee for his son or wife,it's considered as trust tax-free |
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May 6 2012, 06:09 PM
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#14
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
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May 6 2012, 09:42 PM
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#15
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
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May 7 2012, 03:02 PM
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#16
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
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May 7 2012, 03:03 PM
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#17
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
QUOTE(mypetridish @ May 6 2012, 11:09 PM) Insurance plans, however much they market it as an investment product, is more insurance than it is investment which agent told you it's an investment,unless they're proposing you an investment-link insurancemy advice would be to buy yourself sufficient amount of insurance (basic sum assured RM200,000 for someone earning RM5000 a month), and the rest of your money go into pure invesment schemes like ones offered by unit trust companies, or commodities, or sharemarket, or properties... insurance products (like endowment) are not pure investment products IMO investment easily yield more than savings plan but comes with a risk |
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May 7 2012, 03:46 PM
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#18
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
QUOTE(seather @ May 7 2012, 03:21 PM) so after 60 years (assuming u r 28 now) u get back around RM10~RM15mil (ur 14k yearly return + surrender value) for an investment of 400k???? 4.5-6.5% at least im getting better than FDthat is just like putting a 6% FD for 60 years.... most long term saving plans promise between 4.5~6.5% nothing much to shout about.... don get blinded by the big final numbers... always look at the annual ROI.... it's true there's nothing to shout about when unit trust ,money bond ,warrants,tsr are yielding higher than that. but at least i dont have to worry much bout the probability of loss i could be wrong,correct me if i did. QUOTE(K.I.T.T @ May 7 2012, 03:37 PM) car insurance like that mah.insurance become double if under company name.if not mistaken Komissen pun tinggi sikit. doesnt cost double,almost the same if not higher. |
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May 7 2012, 05:05 PM
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#19
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450 posts Joined: Aug 2008 From: Ipoh,Perak |
QUOTE(roystevenung @ May 7 2012, 04:46 PM) Don't forget to minus off the insurance charge as this is INSURANCE, not mainly for savings like EPF. Suppose a 30 year old buys this plan and puts a payment term of 20 years. 5 years later developed CI, insurance company will pay the premium for the remainder of the term. Undeniable,plans from assurance company have to be insurance in nature.But you can't withdraw like your EPF (for CI) as this plan has not matured. These are some of the items that you may need to consider.... and yes again,withdrawing before maturity might not yield better return. payment terms of 20years,thats just too long commitment even for me. even though the end return figure are very high,but 20 years of commitment i might as well as putting it into any other investment options out there what i opt for is extra cashes which i dont have to use,i can always put it in |
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