{"id":177,"date":"2021-03-05T14:51:39","date_gmt":"2021-03-05T14:51:39","guid":{"rendered":"https:\/\/cikgusho.com\/v1\/?p=177"},"modified":"2024-11-28T13:20:34","modified_gmt":"2024-11-28T13:20:34","slug":"anggaran-pencen-kerajaan","status":"publish","type":"post","link":"https:\/\/cikgusho.com\/v1\/anggaran-pencen-kerajaan\/","title":{"rendered":"Anggaran Pencen Kerajaan"},"content":{"rendered":"<div dir=\"auto\">(<em>Bacaan wajib untuk semua terutamanya penjawat awam. Tak kerja gomen pun best juga, cuba baca<\/em>)<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Pernah tak anda buat anggaran pencen kelak, setiap bulan berapa \u2018gaji\u2019 dapat?<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Banyak cara macam nak anggarkan, contohnya guna apps Financial Calculator. cuma kadang-kadang penjawat awam ni rumit sikit sebab dia ada formula tertentu yang melibatkan duit ganjaran dan lain-lain.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Petang ni saya nak kongsi dengan penjawat-penjawat awam khususnya, macam mana nak kira anggaran pencen, ganjaran dan Gantian Cuti Rehat bila berpencen kelak.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Saya maklum, semua ini ada formula dan semua penjawat awam yang telah disahkan jawatan dalam perkhidmatan kebiasaannya lalu kursus induksi. Dalam kursus tersebut, ada diterangkan secara panjang lebar. Tapi kali ini ada cara lebih mudah!<\/div>\n<h5 dir=\"auto\">KALKULATOR PENCEN GOMEN<\/h5>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Senang saja, anda boleh layari <a class=\"oajrlxb2 g5ia77u1 qu0x051f esr5mh6w e9989ue4 r7d6kgcz rq0escxv nhd2j8a9 nc684nl6 p7hjln8o kvgmc6g5 cxmmr5t8 oygrvhab hcukyx3x jb3vyjys rz4wbd8a qt6c0cv9 a8nywdso i1ao9s8h esuyzwwr f1sip0of lzcic4wl py34i1dx gpro0wi8\" tabindex=\"0\" role=\"link\" href=\"https:\/\/bit.ly\/kalkulatorPencen?fbclid=IwAR27RCOF3R0uxCAs9cwYAYvWwvfKeHX4NzKqhDSkgscqx9pv4gda16kVsOc\" target=\"_blank\" rel=\"nofollow noopener\">http:\/\/bit.ly\/kalkulatorPencen<\/a> yang disediakan oleh daripada JPA.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Anda anggarlah gaji akhir anda berapa pada umur 55 tahun contohnya. Juga anggaran GCR dan imbuhan anda nanti.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Kalau susah sangat cuba under estimate. Maksudnya gaji akhir paling rendah anda rasa anda boleh dapat, GCR paling minimum yang boleh dikumpul dan beberapa bulan Cuti Tanpa Rekod.<\/div>\n<h5 dir=\"auto\">INFLASI<\/h5>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Dah tengok kan nilai ganjaran dan GCR? Masyuk tak? <span class=\"pq6dq46d tbxw36s4 knj5qynh kvgmc6g5 ditlmg2l oygrvhab nvdbi5me sf5mxxl7 gl3lb2sf hhz5lgdu\"><img decoding=\"async\" src=\"https:\/\/static.xx.fbcdn.net\/images\/emoji.php\/v9\/t4f\/1\/16\/1f601.png\" alt=\"\ud83d\ude01\" width=\"16\" height=\"16\" \/><\/span>.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Cuba tengok pula bahagian \u2018Pencen Sebulan\u2019, agak-agak berpuas hati tak?<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Tak kiralah berapa nilai pencen bulanan anda, tetapi jangan lupa tentang kewujudan inflasi.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Mudah cerita, jika dengan RM10 anda dapat berbelanja hari ini, belum tentu nilai RM10 semasa anda pencen boleh memberikan nilai yang sama. Mungkin RM10 tu kelak sama dengan nilai duit poket anak-anak ke sekolah pada hari ini.<\/div>\n<h5 dir=\"auto\">DANA TOPUP PENCEN<\/h5>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Sebab itu ada pencen bulanan pun belum tentu mampu tanggung dan tampung hidup tua kita kelak.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Kalau boleh, dah pencen memang kita tak nak bekerja dah. Cukup-cukup la 25-30 tahun kita bekerja. Jadi takkan bila pencen kita terpaksa buat part-time pulak sebab duit pencen tak cukup nak tampung hidup waktu tu.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Benar, masa pencen nanti komitmen kita mungkin kurang. Nafsu shopping pun dah tak ada tapi jangan lupa tanggungan kesihatan diri makin meningkat dengan umur.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Masa muda biasanya duit untuk ubat dan kesihatan tak perlu sangat,tapi bila dah umur 60 tahun masih sama ke?<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Dengan nak buat majlis kawin anak-anak dan macam-macam lagi. Semua tu perlukan duit.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Dah pencen boleh melancong. Tak perlu nak backpacking sangat, melancong biar selesa. Padan dengan umur kan? Tak kan pencen pun nak kena bawa meggi dalam beg. Jadi simpan awal-awal duit untuk melancong di usia pencen nanti.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Ada juga klien cikgu Sho, dia bina tabung pencen sebab nak beli aset dan wakafkan. Katanya sementara hidup, itulah pelaburan yang paling untung. Beli tanah, beli rumah kedai, beli apa sahaja asalkan boleh wakaf katanya.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Jom geng gomen sekalian khususnya, kita bina dana pencen kita supaya bila kita pencen nanti, kita dapat tuai hasilnya.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Simpan dan binalah tabung pencen kita tak kira berapa gaji sekalipun. Jika ditakdirkan panjang umur, insyaAllah kita boleh bantu anak-anak dan keluarga kita kelak. Betul tak?<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">p\/s: setiap kali gaji masuk, jangan lupa ketepikan sebahagian untuk masa depan kita sendiri.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Cikgu Sho<\/div>\n<div dir=\"auto\">Kerja Gomen<\/div>\n<div dir=\"auto\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-151\" src=\"https:\/\/cikgusho.com\/v1\/wp-content\/uploads\/2021\/03\/kayaDuniaBahagiaAkhirat-2-copy.png\" alt=\"\" width=\"828\" height=\"195\" srcset=\"https:\/\/cikgusho.com\/v1\/wp-content\/uploads\/2021\/03\/kayaDuniaBahagiaAkhirat-2-copy.png 828w, https:\/\/cikgusho.com\/v1\/wp-content\/uploads\/2021\/03\/kayaDuniaBahagiaAkhirat-2-copy-600x141.png 600w, https:\/\/cikgusho.com\/v1\/wp-content\/uploads\/2021\/03\/kayaDuniaBahagiaAkhirat-2-copy-300x71.png 300w, https:\/\/cikgusho.com\/v1\/wp-content\/uploads\/2021\/03\/kayaDuniaBahagiaAkhirat-2-copy-768x181.png 768w\" sizes=\"(max-width: 828px) 100vw, 828px\" \/><\/div>\n","protected":false},"excerpt":{"rendered":"<p>(Bacaan wajib untuk semua terutamanya penjawat awam. Tak kerja gomen pun best juga, cuba baca) Pernah tak anda buat anggaran pencen kelak, setiap bulan berapa \u2018gaji\u2019 dapat? Banyak cara macam [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":178,"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":[4,19],"tags":[49,50,51,16,46,47,48],"class_list":["post-177","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-idea-kewangan","category-sembang-pelabur","tag-inflasi","tag-jpa","tag-kerajaan","tag-pelaburan","tag-pencen","tag-pesaran","tag-tabung-pencen"],"_links":{"self":[{"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/posts\/177","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=177"}],"version-history":[{"count":2,"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/posts\/177\/revisions"}],"predecessor-version":[{"id":2187,"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/posts\/177\/revisions\/2187"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/media\/178"}],"wp:attachment":[{"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/media?parent=177"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/categories?post=177"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/tags?post=177"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}