Isu : Nak beli kereta Honda Civic harga RM165,000
Kita mampu sediakan downpayment : RM19,800

Cerita 1

Ali nak beli kereta ni.
Ali bayar downpayment. Yang lain, dia buat loan.
Katakan interest rate Ali dapat 4%
Monthly Ali bayar : RM1828
Itu untuk 9 tahun.

Selepas 9 tahun, Ali akan mempunyai kereta Honda Civic
berusia 9 tahun.



Cerita 2

Ahmad nak beli kereta yang sama,
Honda Civic harga RM165,000

Ahmad mampu sediakan downpayment : RM19,800

Tapi, Ahmad tak beli kereta tu, sebalik, Ahmad guna
duit tu dan beli kereta second hand harga RM19,800

Setiap bulan Ahmad simpan RM1828 dalam unit trust.
Secara purata, Unit Trust tu, bagi pulangan 10% setahun

Selepas 9 tahun, duit Ahmad menjadi : RM320,821.60

Selepas beli kereta idaman Ahmad, Honda Civic,
duit Ahmad tinggal RM155,821.60


Selepas 9 tahun.
Ahmad mempunyai
1. sebuah kereta 2nd hand
2. sebuah Honda Civic baru
3. simpanan berjumlah RM155,821.60



Soalan saya, anda pilih nak jadi macam Ali, atau macam Ahmad?

Ah Chong

Cerita tipu. Honda Civic paling mahal baru RM132k



but seriously, financial advisor will tell u to follow ahmad, but your heart will puch you to follow ali.

This post has been edited by shahzane: Jul 25 2015, 07:15 PM

Bon siew honda

can that second hand car goes without a problem for 9 years?

and what about the fee to maintain it?

This post has been edited by nickchk89: Jul 25 2015, 07:15 PM

Ali sudah enjoy Honda civic 9 tahun Ahmad baru mau enjoy. MNetau Ahmad mati tengah Jalan tahun ke Lima pandu kereta second.

Ali buy at 30 year old, fetch amoi go out enjoice siok siok cause he mampu.

Ahmad live boring life 9 years later enjoy but nobody at 40 yr old give a care whether u can afford.

Ali enjoyed.

Ahmad financial stability.

both also die in the end.

if u got money, buy the civic and save the money same time.

if you only can afford civic base on ur pay, dont make sendiri suffer.

Hehehhe, bro, ada apa2 nak advertise ke? Unit trust ke apa ke? tak kan cerita saja macam tu bro. Ni mesti ada something ni.

This post has been edited by YoungMan: Jul 25 2015, 09:14 PM

Mau jadi macam ah jib. Ambik 2.6 billion masuk akaun simpan sebulan earn juta juta interest lepas tu bagi balik kerajaan. Hey i dunt use it for personal use. I bagi balik maaaa...

Lol.. Cantek assumption. Tapi faktor kereta secondhand tu yg xlrh thn tu.. Duit cuma 19k, beli keta 2hand dah confirm usia 7-9 tahun.. Xkan xda problem kot keta. Plus lg pakai utk 9 tahun mdatang..

Ni promote unit trust 10% tuuuu ajeee..

good point

Wow....great opinion...

sy xnak jadik macam ahmad atau ali. rugi woo..
dlm 9 tahun unit trust, saya beli rumah berharga 250k

kemudian sy buat sewa rumah da sewakan kepada ali dan ahmad.
duit tu kemudiannya saya beli rumah lg. saya pakai moto buruk jer. tp rumah yang ke tiga saya sewakn ke wantrade82.

sekarang saya mempunyai 3 buah rumah, lebih nilai dri 2 buah kereta dan simpanan melebihi 650k termasuk asset. ini kerana, kereta boleh dicari, tanah yang murah dan banyak kemudahan x boleh bro...

Ah tan ke setan?

Bgus2....idea yg menarik....

LoL... this kind of wang-taufu (wonderful) story again set in dreamland far far away

This. 2nd used car is not safe. Must buy safe car only can enjoice
Go ask kadajawi he'll explain. Kakaka

such high return at 10%

really

Lel yes. 1 year 10% return does not mean the following also the same. Nanti negative returns nangis cos client kejar dengan parang Lel.

that after 9 years....

but in that 9 years??
Ali already round-round with his magnificent civic...sudah bosan pun...
Ahmad baru mau rasa kenikmatan dunia...

anything bought later are better if those money are invested...

but then i choose Ahbosan...he kept the money for 32 years....
when he's 50, we have RM4,412,158 fund...

he bought 2 lamborghini for him and his future wife...
but then he died....