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Belanjakan duit i-Sinar dengan bijak
Posted on Mar 12, 2021
KUANTAN- Keputusan kerajaan membenarkan pencarum mengeluarkan caruman 10 peratus daripada akaun satu Kumpulan Wang Simpanan Pekerja (KWSP) cukup melegakan terutama bagi mereka yang terjejas ekoran pandemik Covid-19.
Orang ramai yang menerima atau bakal menerima wang melalui inisiatif i-Sinar itu dituntut agar merancang dan membelanjakannya secara bijak dengan mengutamakan kepada keperluan yang lebih penting.
Ketua Cawangan Agensi Kaunseling dan Pengurusan Kredit (AKPK) Kota Bharu, Mohd Rizauddin Noor berkata, pencarum perlu mempunyai matlamat dan tujuan jelas dalam menggunakan wang tersebut.
Menurutnya, elakkan membuat keputusan berdasarkan ikut hati dan emosi yang akhirnya merugikan diri sendiri.
"Inisiatif pengeluaran i-Sinar amat ditunggu-tunggu dan memberikan kelegaan bagi mereka yang terjejas atau hilang sumber pendapatan, namun pengeluaran dari dana utama persaraan ahli itu perlu dibelanjakan sebaik mungkin.
"Sebelum seseorang pencarum membuat keputusan mengeluarkan caruman melalui i-Sinar, beberapa perkara penting perlu diteliti iaitu pastikan agar wang yang dikeluarkan dapat dioptimumkan penggunaannya dan tiada penyesalan di kemudian hari," katanya ketika dihubungi Sinar Harian pada Rabu.
Mohd Rizauddin berkata, pencarum kena jelas tujuan pengeluaran dibuat supaya ia tidak disalahgunakan untuk tujuan tidak berfaedah atau bagi memenuhi kehendak semata-mata.
"Pada masa sama, pencarum perlu membuat perkiraan teliti jumlah sebenar pengeluaran yang diperlukan dengan merangka bajet bulanan keluarga terlebih dahulu bagi memastikan jumlah yang perlu ditampung (sekiranya ada) melalui pengeluaran i-Sinar setiap bulan.
"Pastikan wang tersebut digunakan untuk tujuan produktif dan sekiranya ia digunakan sebagai modal perniagaan, elak gunakan kesemuanya kerana sekiranya pelan perniagaan tidak menjadi seperti yang diharapkan, mereka masih mempunyai sebahagian wang yang dikeluarkan itu untuk menyara hidup," katanya.
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The world we live in is increasingly complex, especially for the youths, and they will eventually need to take charge of their future and finances. Financial education in the tertiary stage is for those between the ages of 18 to 25 currently pursuing post-secondary education. Providing them with the appropriate financial know-how at this point will build up their competence in dealing with future financial decisions. This module focuses on cash flow management, the importance of savings and setting up a budget, internet banking and other appropriate topics for university and college students.
Entering Workforce
This stage comprises those between the ages of 20 to 30, i.e. mainly those who are just starting out in life. Financial education is essential to this age group as they learn to be independent in most matters especially financial management. In their minds, a car is a want rather than a need, and normally sits at the top of their list of things to acquire. Our Entering Workforce module focuses on understanding the fundamentals of borrowing and the importance of borrowing productively to encourage positive net worth. Financial education at this stage is also aimed at inculcating the habit of managing debts wisely. The module also introduces the fundamentals of investments and the importance of insurance for a better tomorrow.
Starting and Raising a Family
The module for the next life stage is for those who are starting and raising a family. People in this category are approaching that time in their life when they will normally experience important and meaningful life’s milestones: marriage, children and a new home. Designed for those between 30 to 40 years of age, this module will focus on settling unproductive loans while reducing debt commitments as they prepare for retirement. Emphasis will again be placed on the importance of planning for and protecting against uncertainties by talking about the types of financial tools available. They will learn the various types of insurance policies and be able to decide on the best coverage based on their affordability for their precious family. Education will also be given on the appropriate investments that will provide passive income for a better tomorrow.
Retirement
The transition from working to retiring involves many tough decisions regarding income and lifestyle needs and whether one plans to ease into retirement or otherwise, while considering factors such as wealth management, whether a pension is enjoyed, and EPF balances. These are big decisions with long-term impact on their financial well-being during retirement. To make the best choices, they require sufficient knowledge and intense awareness of how they want to live through their retirement years. Therefore, our pre-retirement module will prepare them for retirement by teaching them the proper use of their investments and review of their portfolio while servicing their insurance policies and settling unproductive debts to improve their net worth positively.
Post – Retirement
You have retired. How would you manage your money now? Considering that the average life expectancy in Malaysia has improved, it is more important now than ever to ensure that you have the financial resources to live a comfortable and happy lifestyle—particularly if you are looking forward to retiring with peace of mind. Taking care of your wealth and making it last are important at this stage. Financial literacy and education is a continuous life lesson that does not end at retirement. Now, more than ever, you need to manage your finances wisely and plan for the unexpected. Our post-retirement module is focused on those who are currently transitioning into retirement or are in the early stages of retirement.