{"id":138,"date":"2021-03-04T13:35:46","date_gmt":"2021-03-04T13:35:46","guid":{"rendered":"https:\/\/cikgusho.com\/v1\/?p=138"},"modified":"2024-11-28T13:22:49","modified_gmt":"2024-11-28T13:22:49","slug":"kumpul-duit-pergi-haji-swasta","status":"publish","type":"post","link":"https:\/\/cikgusho.com\/v1\/kumpul-duit-pergi-haji-swasta\/","title":{"rendered":"Kumpul Duit Pergi Haji Swasta"},"content":{"rendered":"<p>Pertama sekali, sudah-sudahlah merungut hibah TH tu sikit. Banyak dah tu bila ambil kira portfolio pelaburan TH yang memang berisiko rendah.<\/p>\n<p>Tambahan pula TH meletakkan penanda aras dengan fixed deposit. Sebab itu, jika kita faham instrumen TH ini, ianya lebih kepada simpanan, bukannya pelaburan.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-139 aligncenter\" src=\"https:\/\/cikgusho.com\/v1\/wp-content\/uploads\/2021\/03\/BANNER-AGIHAN-KEUNTUNGAN-TH-300x218.jpg\" alt=\"\" width=\"440\" height=\"320\" srcset=\"https:\/\/cikgusho.com\/v1\/wp-content\/uploads\/2021\/03\/BANNER-AGIHAN-KEUNTUNGAN-TH-300x218.jpg 300w, https:\/\/cikgusho.com\/v1\/wp-content\/uploads\/2021\/03\/BANNER-AGIHAN-KEUNTUNGAN-TH-600x437.jpg 600w, https:\/\/cikgusho.com\/v1\/wp-content\/uploads\/2021\/03\/BANNER-AGIHAN-KEUNTUNGAN-TH-768x559.jpg 768w, https:\/\/cikgusho.com\/v1\/wp-content\/uploads\/2021\/03\/BANNER-AGIHAN-KEUNTUNGAN-TH.jpg 1024w\" sizes=\"(max-width: 440px) 100vw, 440px\" \/><\/p>\n<p><img decoding=\"async\" class=\"wp-image-140 aligncenter\" src=\"https:\/\/cikgusho.com\/v1\/wp-content\/uploads\/2021\/03\/WhatsApp-Image-2021-03-02-at-10.14.02-AM-300x300.jpeg\" alt=\"\" width=\"438\" height=\"438\" srcset=\"https:\/\/cikgusho.com\/v1\/wp-content\/uploads\/2021\/03\/WhatsApp-Image-2021-03-02-at-10.14.02-AM-300x300.jpeg 300w, https:\/\/cikgusho.com\/v1\/wp-content\/uploads\/2021\/03\/WhatsApp-Image-2021-03-02-at-10.14.02-AM-100x100.jpeg 100w, https:\/\/cikgusho.com\/v1\/wp-content\/uploads\/2021\/03\/WhatsApp-Image-2021-03-02-at-10.14.02-AM-600x600.jpeg 600w, https:\/\/cikgusho.com\/v1\/wp-content\/uploads\/2021\/03\/WhatsApp-Image-2021-03-02-at-10.14.02-AM-1024x1024.jpeg 1024w, https:\/\/cikgusho.com\/v1\/wp-content\/uploads\/2021\/03\/WhatsApp-Image-2021-03-02-at-10.14.02-AM-150x150.jpeg 150w, https:\/\/cikgusho.com\/v1\/wp-content\/uploads\/2021\/03\/WhatsApp-Image-2021-03-02-at-10.14.02-AM-768x768.jpeg 768w, https:\/\/cikgusho.com\/v1\/wp-content\/uploads\/2021\/03\/WhatsApp-Image-2021-03-02-at-10.14.02-AM.jpeg 1080w\" sizes=\"(max-width: 438px) 100vw, 438px\" \/><\/p>\n<p>Hibah 2020 itu cukup untuk kekalkan nilai duit dikikis inflasi. Jadi, bersyukurlah. Nak potensi lebih daripa itu, kena melabur. Laburlah dalam instrumen pelaburan yang betul dan patuh syariah. Cari yang dapat berikan CAGR 7-9% pun sudah cukup baik.<\/p>\n<p>Berbalik kepada tajuk (skema pula penulisan), cikgu Sho nak kongsi plan yang cikgu Sho rangka untuk client Cikgu Sho pada tahun 2020 dulu. Beliau dah ada simpanan di TH, dan cita-cita nak tunaikan haji swasta dalam masa 5 tahun.<\/p>\n<p>Senario kes beliau sebegini:<\/p>\n<ul>\n<li>Simpanan yang ada RM30,000<\/li>\n<li>Giliran semasa daftar haji TH 2048<\/li>\n<li>Kos haji swasta RM60,000<\/li>\n<\/ul>\n<p>Beliau tanya, macam mana dan berapa beliau kena labur setiap bulan? Cikgu Sho terus rangka plan untuk beliau, dengan cara dibawah:<\/p>\n<ul>\n<li>Labur di unit trust RM20,000<\/li>\n<li>Direct debit authoricarion (DDA) RM500\/bulan<\/li>\n<li>Target CAGR 8%<\/li>\n<\/ul>\n<p>Selepas 5 tahun, target dapat RM66,000. Lebihan RM6000 tu boleh la buat beli jubah kat Saudi nanti kan?<\/p>\n<p>Lepas tu beliau minta tolong, \u201ctolong rangka plan untuk suami saya juga boleh?. Mula dengan Rm10,000 ye cikgu.\u201d<\/p>\n<p>Masakan tak boleh, cikgu Sho terus kira.<\/p>\n<ul>\n<li>Labur di unit trust RM10,000<\/li>\n<li>Direct debit authoricarion (DDA) RM700\/bulan<\/li>\n<li>Target CAGR 8%<\/li>\n<\/ul>\n<p>Selepas 5 tahun, target dapat RM66,000. Lebihan RM6000 tu boleh la buat beli emas kat Puan nanti balik haji kan?\u00a0Dengar emas je terus tersengih dia. Jadi beliau terus setuju, esoknya juga terus labur. Online je.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p>Sebenarnya klien ni adalah memang dah melabur dengan saya, cuma mereka hendak diversify dan mendapat potensi peluang yang lebih tinggi. Lagi cepat dapat tunaikan tuntutan agama.<\/p>\n<p>Setakat ni, mereka suami isteri istiqomah melabur. Jom kita doakan impian mereka tercapai. Ameen.<\/p>\n<p>Kita pula bagaimana? pasang niat, bersungguh-sungguh dan berusaha untuk menjadi tetamu Allah.<\/p>\n<p>Cikgu Sho<\/p>\n<p>Melabur Tenang &amp; Menang<\/p>\n<p>#DaimyoPrestige<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pertama sekali, sudah-sudahlah merungut hibah TH tu sikit. Banyak dah tu bila ambil kira portfolio pelaburan TH yang memang berisiko rendah. Tambahan pula TH meletakkan penanda aras dengan fixed deposit. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":141,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_surecart_dashboard_logo_width":"180px","_surecart_dashboard_show_logo":true,"_surecart_dashboard_navigation_orders":true,"_surecart_dashboard_navigation_invoices":true,"_surecart_dashboard_navigation_subscriptions":true,"_surecart_dashboard_navigation_downloads":true,"_surecart_dashboard_navigation_billing":true,"_surecart_dashboard_navigation_account":true,"site-sidebar-layout":"left-sidebar","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[4],"tags":[10,11,12,9,13],"class_list":["post-138","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-idea-kewangan","tag-haji","tag-kumpul-duit","tag-labur","tag-tabung","tag-th"],"_links":{"self":[{"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/posts\/138","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/comments?post=138"}],"version-history":[{"count":5,"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/posts\/138\/revisions"}],"predecessor-version":[{"id":2193,"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/posts\/138\/revisions\/2193"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/media\/141"}],"wp:attachment":[{"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/media?parent=138"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/categories?post=138"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/tags?post=138"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}