{"id":5060,"date":"2022-04-21T03:13:56","date_gmt":"2022-04-21T03:13:56","guid":{"rendered":"https:\/\/people.utm.my\/nizamray\/?p=5060"},"modified":"2022-04-21T03:13:58","modified_gmt":"2022-04-21T03:13:58","slug":"%f0%9d%90%81%f0%9d%90%88%f0%9d%90%80%f0%9d%90%91%f0%9d%90%8a%f0%9d%90%80%f0%9d%90%8d-%f0%9d%90%83%f0%9d%90%80%f0%9d%90%8b%f0%9d%90%80%f0%9d%90%8c-%f0%9d%90%8a%f0%9d%90%96%f0%9d%90%92%f0%9d%90%8f","status":"publish","type":"post","link":"https:\/\/people.utm.my\/nizamray\/2022\/04\/21\/%f0%9d%90%81%f0%9d%90%88%f0%9d%90%80%f0%9d%90%91%f0%9d%90%8a%f0%9d%90%80%f0%9d%90%8d-%f0%9d%90%83%f0%9d%90%80%f0%9d%90%8b%f0%9d%90%80%f0%9d%90%8c-%f0%9d%90%8a%f0%9d%90%96%f0%9d%90%92%f0%9d%90%8f\/","title":{"rendered":"??????? ????? ???? ???? ???? ?????"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u201cKalau duit RM10,000 dibiarkan selama 30 tahun dalam KWSP, jumlahnya akan jadi RM53,446.20 (dividen 5.6% setahun)!\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ianya sangat \u201cWow\u201d bagi siapa yang tak faham tentang \u201ctime value of money\u201d &#8211; bahasa mudahnya tentang KUASA BELI duit kertas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tapi bagi siapa yang tahu, NOMBOR itu langsung tidak mengujakan!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jangan tertipu dengan nombor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kita mungkin rasa sangat gembira dapat dividen 5% &#8211; 6% setiap tahun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tapi pertambahan NOMBOR itu sebenarnya tidak menambah kekayaan kita, bila diambil kira dengan kadar inflasi (atas kertas), kadar kenaikan sebenar harga barang, dan juga risiko kejatuhan ringgit!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cuba kita lihat sejarah ringgit 30 tahun yang lalu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tahun 1997, ringgit pernah jatuh 50% setahun!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tahun 2015, ringgit jatuh lagi 35% setahun!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ya, nombor dalam akaun bank masih kekal. Kalau RM10,000, ia masih kekal RM10,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tapi hakikatnya, KUASA BELINYA sudah hilang 50% dan 35% hanya dalam masa setahun!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Walaupun ia bukan salah kita, tapi kekayaan kita hilang 50% dan 35% hanya dalam tempoh setahun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Itulah sebab kenapa Robert T. Kiyosaki berkata, \u201csavers are losers\u201d! Orang yang menyimpan duit kertas, dia adalah orang yang rugi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Orang kaya di dunia tak simpan harta yang banyak dalam bentuk duit kertas. Mereka faham tentang kuasa beli duit yang boleh hilang itu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sebaliknya, mereka simpan kekayaannya dalam bentuk harta yang bertahan nilainya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Simpan hartanah, tanah yang mendatangkan hasil, bisnes yang berpontesi besar untuk beRkembang pada masa depan, dan kalau bajet tak besar, simpan emas!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Simpan emas, kita tak perlu bimbang lagi tentang kehilangan kuasa beli tersebut.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bukti mudah, zaman Nabi Muhammad s.a.w (1400 tahun yang lalu), 1 dinar boleh beli seekor kambing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sekarang (tahun 2022), 1 dinar masih boleh beli seekor kambing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lepas 1400 tahun, 1 dinar masih boleh beli seekor kambing!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nah\u2026 Jangan kata 30 tahun, 1400 pun kuasa beli emas tetap bertahan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jadi mana lebih terjamin dari sudut kekayaan, simpan emas atau biarkan dalam bentuk duit kertas dalam KWSP (dan mengharapkan dividen)?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Anda jawab sendiri&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kredit: Tuan Zulkifli Shafie<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2022\/04\/image-23.png\" alt=\"\" class=\"wp-image-5062\" srcset=\"https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2022\/04\/image-23.png 800w, https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2022\/04\/image-23-300x300.png 300w, https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2022\/04\/image-23-150x150.png 150w, https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2022\/04\/image-23-768x768.png 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>\u201cKalau duit RM10,000 dibiarkan selama 30 tahun dalam KWSP, jumlahnya akan jadi RM53,446.20 (dividen 5.6% setahun)!\u201d Ianya sangat \u201cWow\u201d bagi siapa yang tak faham tentang \u201ctime value of money\u201d &#8211; bahasa mudahnya tentang KUASA BELI duit kertas. Tapi bagi siapa yang tahu, NOMBOR itu langsung tidak mengujakan! Jangan tertipu dengan nombor. Kita mungkin rasa sangat [&hellip;]<\/p>\n","protected":false},"author":663,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-5060","post","type-post","status-publish","format-standard","hentry","category-emas","entry"],"_links":{"self":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts\/5060","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/users\/663"}],"replies":[{"embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/comments?post=5060"}],"version-history":[{"count":1,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts\/5060\/revisions"}],"predecessor-version":[{"id":5064,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts\/5060\/revisions\/5064"}],"wp:attachment":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/media?parent=5060"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/categories?post=5060"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/tags?post=5060"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}