Financial Planning itu sama dengan Investasi atau bukan sih ?
Karena investasi itu cuma salah satu komponen dari Financial Planning.
Saat Anda punya uang bukan berarti yang Anda pikirkan cuma investasi saja, karena sebelum Anda beli investasi sebetulnya banyak langkah-langkah lain yang harus Anda persiapkan. Seperti bagaimana Anda mengelola hutang, mengelola cash flow, mengelola dana darurat, asuransi dan lain sebagainya.
Sebetulnya Financial Planning bukan cuma bicara investasi saja, karena investasi cuma salah satu komponen dari Financial Planning dan sebelum Anda mau berinvestasi, Anda harus menyiapkan hal-hal yang lebih penting dibandingkan Anda langsung berinvestasi.
Follow @ferdiedarmawan untuk tips seputar keuangan, investasi, perencanaan keuangan, dan bisnis.
💎[4 simple trick to save on transportation cost and save money ]💎
Every month as you stare down your monthly expenses ,you can't fail to notice that a chunk of money goes to your transportation bills.
If you are wondering on how to save on transport here's how you can cut down your budget. .
🎯 Use public transport 🚄
Simply apply for a MyRapidKL concessions card which carries 50% discount on a cash rates or My100 travel pass , depending on your monthly use . If your usage is more than RM100 every month, then MY100 travel.pass would be a much wider option .
🎯 carpool to work 🚙
You can reduce your transportation costs significantly by carpooling with some and the same time , reduce wear and tear of your car and save on gas .
🎯 Inflate your tyres properly.🚘
Its crucial to inflate your tyres properly on a monthly basis . You can improve your petrol mileage by 1% by doing so. .
🎯 Service your car on a timely manner 👨🔧
Servicing your car on a timely manner enables you to save a fortune down the road. Make sure to change the oil , check the fluid level and service the car at the right interval to avoid expensive maintenance issues in the long road .
What other strategies do you use to save your transportation costs ? Comment below .
Click ❤ for the infographic.
Sharing is caring . Tag and share to help others .
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I made this for any millennials out there who are looking to invest in the stock market but don’t know how to get started. In my experience many people need some guidance to get going and there are so many financial products out there it can be intimidating. This is as simple and straight forward as possible. Please do you own research but the index funds I have listed here are funds I invest in personally. Both of them track the S&P 500. The Charles Schwab fund has a .03% expense ratio and the Vanguard fund has a .04% expense ratio, some of the lowest fees around. Roth IRAs are great! Please perform a google search and learn all about them! Time well spent. DM me with any questions.
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0 11 hour ago
Often it is not lack of money that keeps people from attaining their financial goals. It is the absence of a well-crafted financial plan. Start planning your financial future with PeakAlpha Log on to: www.peakalpha.com
What Mr. Subri’s comment about Yong Chu Eu's AMLA, PDPA, Cyber-Security & Integrity Training
Mr. Subri Abdullah (Pheim & Emerio Director & Advisor): "You make a very serious topic (AMLA) very light (live) and also very entertaining and most importantly, your note very well prepared and you are a good presenter!" Looking for any of Mr. Yong's training, click here
👨🌾 : Bro, ini lagi ada obligasi punya negara, SBR - 007 ... Lu kaga ambil ?
👨💼 : oyah ? dapet coupon atau return berapa bro?
👨🌾 : ini Couponnya 7.5% , lumayan loh.. BI Rate aja sekarang 5.75%
👨💼 : wah, iya sih lumayan.. tapi daripada ikut investasi gituan, Return cuma 7.5%..
Mending diputerin usaha aja ngga sih? kan lebih besar hasilya 🤔
Gimana nih Guys?
Bagaimana menurut kalian ?
perlu ikut Investasi, meskipun hasilnya kecil..
Atau, Puter aja semua di usaha, hasilnya lebih WOW Brooooo 😎😎😎
Informasi Lengkap mengenai Wealth Management,
hubungi customer Relation pada hari dan jam kerja melalui :
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43% of adult Americans don’t have life insurance, according to the 2019 Insurance Barometer Study, by Life Happens and LIMRA.
Many people think, “I’m young. That won’t happen to me.” Statistically they may be right. However, they could be up being one of the statistics. You just don’t know—and that’s the problem. The solution is life insurance.
And also Financial planning should be done in consultation with your financial advisor because every financial plan has to be customized to your needs and so it is important that an accurate and and complete assessment of your financial circumstances is done.
Like and Follow our page for the most amazing financial tips
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Di awal karir, umumnya earned income seseorang dari gaji yang jumlahnya tidak besar, maka 10% bisa jadi batas minimal untuk di tabung, tapi bagi middle manager keatas, yang gajinya bisa diatas 50 juta, buat apa mengalokasikan dana tabungan banyak-banyak, liquid asset cukup untuk emergency fund, sisanya kan mending di investasikan. Jadi penetapan berapa persen tabungan tidak boleh fix, entah itu 10%, 20% atau 30%, tapi disesuaikan dengan jumlah pendapatannya.
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❗️ My service to my clients does not stop with the business owners. I continue on to educate their employees on financial planning and help with taking the first steps into a financial program. ❗️ The staff of intelworks Services, Inc. started with their group savings and investment through SLAMC's SunRISE program. 📲 Call our office at +639178919069 or email us at firstname.lastname@example.org for more information. "Sun RISE or Regular Investments Simplified for Employees is a workplace savings plan for employees. It is a group investment program that allows members to invest in peso-dominated Sun Life Prosperity Funds for as low as PHP300. This can be done though monthly contributions from their salaries.
Employees may also continue their mutual fund investment even after resignation from the company of retirement. It is convenient, affordable and portable. With the Sun RISE program, employees are able to INVEST FIRST before spending their salaries. Investing in Sun RISE can lead to several benefits."
0 12 hours ago
Financial Planning Week Day 2 - PERSONALITY.
Carrying on from day 1 tip - Gifts, today is gift giving PERSONALITIES. Discover more about your budgeting behaviour when it comes to buying gifts for family and friends 🎁
Take a short quiz to find out what kind of gift giver you are 👉🏼 the link is in or bio ✅
2 92 hours ago
Have you ever thought - How much Life Insurance Cover is enough? This ebook can help you understand. Rs 99/- Only!
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Saat ini banyak perusahaan memfasilitasi asuransi utk karyawannya, kenyataannya asuransi tsb memiliki batasan dan ketentuan khusus sehingga belum tentu cukup utk menanggung selurih biaya2 dalam keadaan darurat...
Coba periksa kembali asuransi Anda....😁😁
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How can you relieve the stress and tension that emerges every time you think about money? Consider not treating your money as an abstract problem and begin to include your personal experiences, emotions, and thoughts at the table when you’re making financial decisions. This is Mindful Finance.
***Penyakit Typus menjadi salah satu penyakit yang paling sering terjadi, padatnya pekerjaan dan aktifitas menjadi salah satu faktor. Terlebih saat ini penyakit typus menyerang tidak memandang umur, baik anak kecil hingga orang dewasa. Sudah harus memikirkan pekerjaan, pembayaran obat dan rumah sakit pula, namun jangan khawatir Commonwealth Life akan membantu meringankan, melalui bantuan pembayaran yang mudah dan efisien.*** Lokasi rmh sakit dimalang.
His blog and book will help you better understand your own money psychology.
Check out his description below:
Understanding why you spend the way you do is the first step in changing your behavior to line up with your long-term goals. Whether you are trying to catch-up, get ahead, or simply trying to maintain a balance between your income and your spending, The Balancing Act can provide the tools for you to achieve your financial goals.
This book was written to help everyone, regardless of age, income, or financial position. Like a screenplay plotline your financial life has probably experienced ups, downs, challenges and setbacks. Wherever that plot has left you, be the hero of your personal story and take control of your financial script.
Just keepin it real... Some of us rub people the wrong way...even without intention. While some people just dislike other people's success... I am destined for greatness!
I will achieve Greatness.
I would be happy to bring so many of you with me...the choice is up to you whether you seek greatnees or not....whether you strive for success or not.
In the words of Kanye and Fifty, let 'em ahte and watch the money pile up.
Your boy, Corey B., is here to offer a helping hand...but you gotta reach out and take it.
Subscribe to my YouTube channel for more great content. 'The Party Is Over (for now)... Time to Hustle'