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Hari Tabungan Sedunia pupuk budaya menyimpan
Posted on Nov 1, 2021
KUALA LUMPUR: Konsep dan budaya amalan menabung membawa erti besar dengan 'Hari Tabungan Sedunia' yang disambut pada 31 Oktober setiap tahun.
'Hari Tabungan Sedunia' yang dikenali sebagai World Savings Day bertujuan menerapkan semangat menyimpan bagi semua lapisan masyarakat di seluruh pelosok dunia.
Tambahan, Malaysia masih dalam posisi berjuang mengharungi kemelut pandemik COVID-19, terutamanya dalam sektor kesihatan dan ekonomi.
Profesor di Fakulti Ekonomi dan Pengurusan & Felo bersekutu Institut Islam Hadhari, Universiti Kebangsaan Malaysia (UKM), Prof Dr Aisyah Abdul Rahman, berkata dalam keadaan ekonomi yang tidak menentu, masyarakat wajar lebih prihatin dan cakna terhadap pengurusan kewangan terutama golongan muda.
"Kebetulan, kita kini berada dalam bulan Oktober yang mana Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) sedang melaksanakan Bulan Menabung Simpan SSPN (BMS) 2021 dengan tagline ibu bapa menjadi superhero kepada jantung hati mereka melalui amalan menabung untuk pendidikan," katanya.
Katanya, pandemik COVID-19 bukanlah penghalang untuk menabung, sebaliknya seharusnya menjadi penggalak menyemai semangat menabung yang boleh diistilahkan sebagai simpanan kecemasan (panic saving).
"Simpanan kecemasan mempunyai analogi yang hampir serupa dengan situasi pembelian panik yang berlaku pada permulaan pengisytiharan Perintah Kawalan Pergerakan (PKP) 1.0 apabila rakyat berbondong-bondong membeli stok barangan pengguna," katanya.
Justeru, ketika keadaan ekonomi meruncing akibat COVID-19 ini, rakyat digalakkan meningkatkan jumlah simpanan kepada 20 hingga 30 peratus, bergantung kepada pendapatan bulanan individu.
Katanya, semakin tinggi komitmen perbelanjaan bulanan, semakin tinggi jumlah tabungan diperlukan untuk kelestarian kewangan seandainya tiba-tiba saja individu mengalami musibah seperti diberhentikan kerja atau perniagaan menjadi bankrap.
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Tertiary
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.