{"id":7871,"date":"2024-01-14T20:09:00","date_gmt":"2024-01-14T20:09:00","guid":{"rendered":"https:\/\/people.utm.my\/nizamray\/?p=7871"},"modified":"2024-07-03T08:10:55","modified_gmt":"2024-07-03T08:10:55","slug":"dana-bersara","status":"publish","type":"post","link":"https:\/\/people.utm.my\/nizamray\/2024\/01\/14\/dana-bersara\/","title":{"rendered":"Dana Bersara"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2024\/07\/photo1705206246-1024x1024.jpeg\" alt=\"\" class=\"wp-image-7872\" srcset=\"https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2024\/07\/photo1705206246-1024x1024.jpeg 1024w, https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2024\/07\/photo1705206246-300x300.jpeg 300w, https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2024\/07\/photo1705206246-150x150.jpeg 150w, https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2024\/07\/photo1705206246-768x768.jpeg 768w, https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2024\/07\/photo1705206246.jpeg 1079w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Okeh..alang-alang Januari jom kita kira kot-kot boleh jadi azam baru. Cun-cun umur yang sesuai nak fikir dana bersara.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/web.telegram.org\/a\/img-apple-64\/1f605.png\" alt=\"\ud83d\ude05\" \/><\/figure>\n\n\n\n<p>Kalau 1 juta, nampak takut dan mustahil kan?<\/p>\n\n\n\n<p>Kita convert dulu dalam emas,<br>lebih teruja sebab value nampak kecil.<\/p>\n\n\n\n<p>Okeh,<br>Jom kita kira.<\/p>\n\n\n\n<p>Rm1,000,000 ni kita tukar dulu ke gram emas dengan anggapan harga 1g ialah Rm350 dan untuk disimpan selama 20 tahun.<\/p>\n\n\n\n<p>Maklum la,<br>umur dah 40, anggap je diberi kesihatan yang baik dan kerja yang baik utk lagi 20 tahun.<\/p>\n\n\n\n<p>Jom kita kira jumlah gram,<br>Rm1,000,000 \u00f7 Rm350\/g = 2,857.1428gram<\/p>\n\n\n\n<p>Bundarkan dan kira gram setahun,<br>2858g \u00f7 20 tahun = 142.9gram\/setahun<\/p>\n\n\n\n<p>Bundarkan dan kira gram sebulan,<br>143g \u00f7 12 bulan = 11.916g\/sebulan.<\/p>\n\n\n\n<p>Bundarkan dan kira gram seorang<br>12g \u00f7 2 orang = 6g\/orang<\/p>\n\n\n\n<p>Kira harga sebulan\/orang,<br>6g x Rm350 = Rm2,100\/ sebulan.<\/p>\n\n\n\n<p>Kiraan berdasarkan suami isteri kongsi simpanan untuk beli emas.<\/p>\n\n\n\n<p>Maka, kalau nak dapatkan simpanan persaraan yang lebih dari nilai 1,000,000?<\/p>\n\n\n\n<p>Simpan emas 6g sebulan @ belian RM2100 selama 20 tahun.<\/p>\n\n\n\n<p>Simpan emas 4g sebulan atau belian RM1400 selama 30 tahun.<\/p>\n\n\n\n<p>Simpan emas 3g sebulan atau belian RM1050 selama 40 tahun.<\/p>\n\n\n\n<p>Jadi, boleh pilih ikut umur masing-masing. Lagi awal bermula, lagi rendam gram nya.<br>Nampak mustahil dan besar kan?<\/p>\n\n\n\n<p>Ada cara lain nak cepat dan jimat. Tapi itu anda boleh fikir sendiri la.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Okeh..alang-alang Januari jom kita kira kot-kot boleh jadi azam baru. Cun-cun umur yang sesuai nak fikir dana bersara. Kalau 1 juta, nampak takut dan mustahil kan? Kita convert dulu dalam emas,lebih teruja sebab value nampak kecil. Okeh,Jom kita kira. Rm1,000,000 ni kita tukar dulu ke gram emas dengan anggapan harga 1g ialah Rm350 dan untuk [&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-7871","post","type-post","status-publish","format-standard","hentry","category-emas","entry"],"_links":{"self":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts\/7871","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=7871"}],"version-history":[{"count":1,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts\/7871\/revisions"}],"predecessor-version":[{"id":7873,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts\/7871\/revisions\/7873"}],"wp:attachment":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/media?parent=7871"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/categories?post=7871"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/tags?post=7871"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}