bagaimana menjadikan 21k kepada min 60k

[arjunazwan]

pelaburan bijak adalah jalannya, tapi bagaimana???

antara ciri2 penting:
-pelaburan diluluskan bank negara
-tiada risiko langsung
-pulangan yang dijanjikan
-tiada cukai terhadap nilai yg dilabur
-perlindungan insuran
-pelaburan dikawal selia oleh majlis penasihat syariah suruhanjaya sekuriti

contoh mudah, dgn simpanan sebanyak RM 1000/year

dgn anggapan - ASB 10% anda dpt rm 3331.00 dlm 3 thn. anda juga tiada perlindungan insuran dan dikenakan cukai 5% oleh kerajaan. itu jika dividen 10% bagaimana jika ia lebih rendah??

TETAPI,

anda boleh menikmati pulangan min rm 4207.17 dlm 3 tahun pertama dgn perlindungan insuran dan tiada cukai yang dikenakan terhadap pelaburan. itu hanya simpanan rm1000 setahun.
....Bagaimana jika simpanan tahunan rm 10,000 anda akan mendapat pulangan min RM 42,071.75 dlm hanya 3 tahun pertama.

Sungguh menarik.. Masa depan di tangan anda

Pelbagai plan yang disediakan, antaranya pelan persaraan, pelan pendidikan anak-anak, pelan insuran, pelan pelaburan, pelan simpanan. Semuanya disatukan menjadi pelan lengkap utk sesiapa sahaja.

BONUS juga disediakan,
iaitu potongan 12% bg 20 ahli yang pertama,
potongan 10% bg 20 ahli yg seterusnya

tunggu apa lagi, masa depan di tangan anda

Sila pm utk penerangan lanjut:
hubungi saya Azwan, 013-2757430 atau sms nama anda. saya akan hubungi anda.
email to arjunazwan@yahoo.com

[arjunazwan]

http://img267.imageshack.us/img267/3318/plansimpananrm100sebulacw8.jpg

ini ialah plan simpanan RM 100 sebulan
anda boleh lihat pulangannya. TQ

[arjunazwan]

pulangan setiap tahun dlm sekitar 12% sehingga 14%


"ingatlah hari tua semasa anda muda"

[Pakcik1888]

http://img267.imageshack.us/img267/3318/plansimpananrm100sebulacw8.jpg

ini ialah plan simpanan RM 100 sebulan
anda boleh lihat pulangannya. TQ


AMACAM HALAL TAK SEBAB AKU DENGAR ASB PUN HARAM?

[arjunazwan]

aku tak berani kata halal or tak tapi produk ni diselia oleh

majlis penasihat syariah suruhanjaya sekuriti

[arjunazwan]

http://img524.imageshack.us/img524/4118/majlispenasihatsyariahbe2.png

[usahawan]

nape surat ko tuh salah eja? (Rujuk 'Pensihat') buat sendiri ke?

http://img404.imageshack.us/my.php?image=ambankho6.jpg

[arjunazwan]

kalau aku buat sendiri confirm takder salahnyer

aku amik sebijik dr amassurance & takder apa2 pengubahan. ini la copy yg diorg bg kt aku

sapa2 yg tak yakin boleh rujuk utk tau lebih lanjut. bleh call amassurance or jumpa tan sri azman. mana la tau aku menipu kn

aku sbg pengantara jer

[arjunazwan]

https://www.amassurance.com.my/src/html/amassurance/lifeproduct_Am_Cash.php

AmCash Guarantee 21

AmCash Guarantee 21 - Rain or Shine, AmCash Guarantee 21 will surely be there to benefit you

With AmCash Guarantee 21, you may enjoy
- protection against death, critical illness and total and permanent disability
- guaranteed cash payouts at regular 3-year intervals
- a sizeable lump sum benefit upon maturity
- money to fulfill your commitments and realize your dream

Minimum age of entry : 1 years old
Maximum age of entry : 50 years old
Policy/Premium Term : 21 years
Minimum sum assured : RM10,000

Life Insurance Coverage
In the event of death;
• Basic Sum Assured
• Accumulated Cash Dividends*
• Terminal Dividends*
are payable to your loved ones assisting them to weather the unexpected financial storm.

Income Replacement Coverage
Upon Total Permanent Disability (TPD) before age 65;
• Basic Sum Assured
• Accumulated Cash Dividends*
• Terminal Dividends*
are payable to cushion the financial shock experienced by you and your family.

Dread Disease Coverage
When diagnosed with Critical Illness# before age 70;
• Basic Sum Assured
• Accumulated Cash Dividends*
• Terminal Dividends*
are payable to reduce your financial burden and increase possibility to seek better medical treatment.

Guaranteed Survival Benefi t (GSB)***
From the end of 3rd policy year onwards, you will enjoy cash payment that is:
• Guaranteed
• Payable at 3 years intervals
• Tax free
The money is at your disposal in fulfi lling your commitments or realising your dreams.
Maturity Benefi t
Upon completion of the 21-year policy term, you will obtain:
• The balance 42% of Basic Sum Assured
• Accumulated Cash Dividends*
• Terminal Dividends*
One more good reason for you to celebrate the sunny side of your life!

Cash Dividends*
Cash dividends may be declared annually from the end of 3rd
policy year. You have the option to:
1. Leave with the company to accumulate with interest
2. Withdraw the money
If no option is chosen, the default option shall be Option 1.
Terminal Dividends*
Terminal dividends may be payable upon:-
• Death/TPD
• Diagnosis of critical illness
• Maturity
• Surrender

Other Benefits
Guaranteed Premium
Your basic premium rate shall remain the same throughout the entire duration of your protection.

Policy Loan
You can take up policy loan in times of need after the policy has
cash value.

Optional Protection Riders
Enhance your protection by attaching rider(s) to this plan. The
riders include: Deferred Disability Income (DDI), Payor Benefi t
Rider (PBR), Payor Level Term Rider (PLTR), Payor Dread
Disease Waiver of Premium (PDWP), Payor Critical Illness Term
Rider (PCIT), Level Term Rider (LTR), Critical Illness Term Rider
(CIT), Hospital Benefi t Rider (HBR), Health Management Rider
(HMR), Maternity Rider (MR), Accidental Death Benefi t (AB),
Comprehensive Accident Indemnity (CAI) and Dread Disease
Waiver of Premium for TANR & LTR (DWPD).

Enjoy discounts on your premiums for sum assureds above RM50,000
Premiums paid are tax deductible
Cash Dividends are projected to accumulate at 6.5% p.a.
Pay advance premium for the policy and enjoy the interest rate currently at 4% p.a.
Enjoy the flexibility of withdrawing the advance premium paid

* Cash Dividends and Terminal Dividends are not guaranteed and are subject to
Company’s performance.
** Plan matures after 21 policy years or expires in the event of Death/TPD/Diagnosis of
Critical Illness, when claim is payable.
*** GSB will accumulate with interest if left with the Company.
# 36 Critical Illnesses as stated in the contract.

[miyun12]

21 tahun nak kena tggu..penat!...xde ke produk yg boleh generate high return dlm masa 3 ke 5 tahun je.

[castelo]

pulangan setiap tahun dlm sekitar 12% sehingga 14%


"ingatlah hari tua semasa anda muda"


xbaik bro tipu bro... mana ade fix 12 -14% yearly... ko dah la guna lambang AMassurance nye lambang.... kene saman kang kalo maklumat yg ko bagi xbetul2 sama ngan plan endowment tue... aku nasihat kan je... bahaya:biggrin:

[castelo]

Optional Protection Riders
Enhance your protection by attaching rider(s) to this plan. The
riders include: Deferred Disability Income (DDI), Payor Benefi t
Rider (PBR), Payor Level Term Rider (PLTR), Payor Dread
Disease Waiver of Premium (PDWP), Payor Critical Illness Term
Rider (PCIT), Level Term Rider (LTR), Critical Illness Term Rider
(CIT), Hospital Benefi t Rider (HBR), Health Management Rider
(HMR), Maternity Rider (MR), Accidental Death Benefi t (AB),
Comprehensive Accident Indemnity (CAI) and Dread Disease
Waiver of Premium for TANR & LTR (DWPD).



kene bagi tau yang ini kalo nak kene tambah duit... bukan rm1200 dah termasuk protection ni:cool:

[arjunazwan]

xbaik bro tipu bro... mana ade fix 12 -14% yearly... ko dah la guna lambang AMassurance nye lambang.... kene saman kang kalo maklumat yg ko bagi xbetul2 sama ngan plan endowment tue... aku nasihat kan je... bahaya:biggrin:

ganeh bro castelo ni, ok

AVERAGE RETURN FOR 21 YEARS
12% TO 14 %

First 3 years pulangan around 10% setahun

last 3 years pulangan around 20 %

[arjunazwan]

kene bagi tau yang ini kalo nak kene tambah duit... bukan rm1200 dah termasuk protection ni:cool:


Dr segi protection Amcash akan support kematian, TPD(total permanent disability) & 36 critical ilness sahaja

ryder @ plan tambahan itu adalah utk adalah optional dimana kita boleh tambah coverage. contohnya kita nk tambah utk cover accident. so kita bolehlah tambahkn

Optional Protection Riders
Enhance your protection by attaching rider(s) to this plan. The
riders include: Deferred Disability Income (DDI), Payor Benefi t
Rider (PBR), Payor Level Term Rider (PLTR), Payor Dread
Disease Waiver of Premium (PDWP), Payor Critical Illness Term
Rider (PCIT), Level Term Rider (LTR), Critical Illness Term Rider
(CIT), Hospital Benefi t Rider (HBR), Health Management Rider
(HMR), Maternity Rider (MR), Accidental Death Benefi t (AB),
Comprehensive Accident Indemnity (CAI) and Dread Disease
Waiver of Premium for TANR & LTR (DWPD).

[arjunazwan]

21 tahun nak kena tggu..penat!...xde ke produk yg boleh generate high return dlm masa 3 ke 5 tahun je.

tak payah tunggu. biarkan jer
cam EPF gak. tau2 dh byk kn

[Lukman79]

21 tahun nak kena tggu..penat!...xde ke produk yg boleh generate high return dlm masa 3 ke 5 tahun je.


dah namanya simpanan utk hari tua... 3-5 taun belom tua lagi.... 21 taun tu memang betol tua tu beb.. huhu....

tanye cket.. mende ni compounding tak?

pastu pengiraan ko ni aku tgk mcm salah je..


dgn anggapan - ASB 10% anda dpt rm 3331.00 dlm 3 thn. anda juga tiada perlindungan insuran dan dikenakan cukai 5% oleh kerajaan. itu jika dividen 10% bagaimana jika ia lebih rendah??


patotnye dia compounding.... secara kiraan bodonye kalau 3 taun masuk 1200 setaun dgn 10% dapat cenggini... (pengiraan sebenar susah cket... dia amek purata minumum lah akhir bulan awal bulanlah... tapi ini secara kasarnye begini lah...)

tahun 1
deposit :1200
dividen: 120
Total bawa depan : RM1320

Tahun 2 (Total dlm akaun ade 1320 )
depo lagi: 1200
Dividen : = ( 1320 + 1200 ) X 10% = 252
Total terkumpul taun kedua : 1320 +1200 + 252 = RM2772

Tahun 3 (total dlm akaun ade 2772
depo lagi : 1200
dividen : (2772 + 1200) X 10% = 397.2
Total terkumpul taun ketiga : RM4369.20

Betol tak?

[arjunazwan]

pengiraan seawal thread tu sbnrnya base pd nilai simpanan RM 1000 setahun dan tiada compunding. nilai yg sepatutnya adalah RM 3641.00
http://img88.imageshack.us/img88/4305/cthutk1000asbuw9.jpg

Cara pengiraan dividen Amcash dan ASB adalah sama

AmCASH beri kebebasan utk bayaran dimana kita boleh bayar bila2 masa dlm setahun itu janji cukup nilai rm 1200. syarat pembayaran cukup mudah.

[arjunazwan]

dividen AMCASH sama cara cam ASB

[Lukman79]

AmCASH beri kebebasan utk bayaran dimana kita boleh bayar bila2 masa dlm setahun itu janji cukup nilai rm 1200. syarat pembayaran cukup mudah.

kiranya katelah aku simpan duit kat tempat lain(asb contoh paling mudah lah... malas nak kira UT... huhu), 31 dec setiap taun aku masukkan sekelepuk 1200 kat amcash.. aci tak?

[arjunazwan]

kiranya katelah aku simpan duit kat tempat lain(asb contoh paling mudah lah... malas nak kira UT... huhu), 31 dec setiap taun aku masukkan sekelepuk 1200 kat amcash.. aci tak?

boleh. yg penting cukup nilai simpanan setahun yg ko dh declare

Aku ingat dh idup lg thread ni:smile:
sbnrnya produk ni sama basicnya sama cam ASB dr segi dividen
SORRY pasal kiraan dividen kt atas tu

bezanya company akan bg lebih dr segi bonus. total bonus adalah 100% atau nilai 10 kali ganda simpanan setahun. cth setahun 1200 so total kita dpt RM12,000.00 lebih

ia diberi pd pelabur stp 3 tahun dgn nilai 8% 10% 10% 10% 10% 10% 42% :smile:

[ibm632]

Eh kat sini lain pulak cerita nyer ....

[arjunazwan]

oh ya en IBM. this is one of my thread. :smile:

Wasiat Management | Perunding Berwibawa Diperlukan (http://www.perundingwasiat.webs.com/)

[HusinLempoyan]

21 tahun nak kena tggu..penat!...xde ke produk yg boleh generate high return dlm masa 3 ke 5 tahun je.

ader (7 bulan jer dpt ratus riban).. nak tau? PM aku...

[pacatkering]

aku dengar ader lak produk baru amflexi rasanya.....yang tu camner lak bro?...leh xplain tak??
mana best amcash and anflexi nii.....
:biggrin::biggrin:

[shamsay]

lama sangat 21tahun..sempat masuk kubur dulu.heheh

[aes2028]

ader (7 bulan jer dpt ratus riban).. nak tau? PM aku...

ko jgn lupekan aku.....nak tau gak. Xkan nak kaya sorang2 je.

[kenanga45]

Eh kat sini lain pulak cerita nyer ....

Apa cerita nye?...Saya mahu sebuah komputer IBM. Can or not....?