{"id":180,"date":"2021-03-05T14:54:34","date_gmt":"2021-03-05T14:54:34","guid":{"rendered":"https:\/\/cikgusho.com\/v1\/?p=180"},"modified":"2024-11-28T13:20:12","modified_gmt":"2024-11-28T13:20:12","slug":"risiko-inflasi-terhadap-persaraan","status":"publish","type":"post","link":"https:\/\/cikgusho.com\/v1\/risiko-inflasi-terhadap-persaraan\/","title":{"rendered":"Risiko Inflasi Terhadap Persaraan"},"content":{"rendered":"<div dir=\"auto\">Inflasi ni jahat ke baik? Nak kata inflasi tak bagus, tak boleh juga. Andai kata sesebuah negara, harga sekilo beras hari ini masih sama dengan harga 50 tahun lepas, maka ekonomi negara mesti tidak berkembang.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Mengikut tradingrconomic, purata kadar inflasi adalah 3.64%. Inflasi ni berkait rapat dengan kenaikan harga barang dan perkhidmatan. Lihat contoh harga beras di bawah, 30 tahun nanti, dengan kuantiti beras yang sama, harganya akan berlipat ganda. Itulah inflasi.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Daripada satu sudut yakni pelaburan, inflasi lebih dianggap sebagai musuh. Mana taknya, andai anda simpan labur dalam instrumen pelaburan yang CAGR nya dibawah purata inflasi, maknanya duit anda tetap dikikis inflasi.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Nak duit selamat daripada dikikis inflasi? Labur dan simpan lah dalam medium yang berikan CAGR sama dengan nilai inflasi. Bundarlah jadi 4%.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Namun alang-alang melabur, biarlah dapat CAGR 8-10%. Barulah best kan.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Tak ada ke instrumen yang bagi CAGR lebih daripada 8-10%? Mestilah ada. Lagi tinggi pulangan, lagi tinggi risiko. Kita kan nak melabur dengan tenang, seterusnya menang dengan mencapai matlamat pelaburan. Betul tak?<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Jadi tunggu apa lagi? Kerahkan wang bekerja untuk anda agar dapat lawan inflasi. Lagi lambat anda bermula, lagi kecil kuasa kompounding.<\/div>\n<div dir=\"auto\"><\/div>\n<div dir=\"auto\">Cikgu Sho<\/div>\n<div dir=\"auto\">Melabur Tenang dan Memang<\/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>Inflasi ni jahat ke baik? Nak kata inflasi tak bagus, tak boleh juga. Andai kata sesebuah negara, harga sekilo beras hari ini masih sama dengan harga 50 tahun lepas, maka [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":181,"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":[49,54,46,52,53],"class_list":["post-180","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-idea-kewangan","tag-inflasi","tag-musuh-wang","tag-pencen","tag-persaraan","tag-retirement"],"_links":{"self":[{"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/posts\/180","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=180"}],"version-history":[{"count":2,"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/posts\/180\/revisions"}],"predecessor-version":[{"id":2186,"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/posts\/180\/revisions\/2186"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/media\/181"}],"wp:attachment":[{"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/media?parent=180"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/categories?post=180"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cikgusho.com\/v1\/wp-json\/wp\/v2\/tags?post=180"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}