How to manage your money

From Financial planner point of view, it is recommendated that 10-15% of our salary is allocated to Risk and Protection (Life, Diseases and Accident protection), another 10-15% of our salary go to Investment/Saving. We only can spend about 60% of our salary. Besides, we need to reserve about 3-4 month of expenses in cash for emergency use in case anything happened.

如何管理你的钱

从财务规划的角度来看，专家认为工资的10-15 ％分配于购买保险-风险和保障（生活中，疾病和意外保障） ，另一个10-15 ％的薪水用来投资/储蓄。我们只可以花大约60 ％的薪水。此外，我们需要保留约3-4个月的开支作为后备，以便在紧急情况时可以使用。


Unit Trust Benefit

As for investment part, with inflation of around 3%, we need to find something investment/saving tool to preserve our money value in the same time increase our saving. Invest in Unit Trust is the best way to do so. Unit Trust provide a lot benefits such as Diversification of investment portfolio (risk reduced), Liquidity (Fast cash withdraw), Affordability (Minimum Investment requirement), Expertise, Experience and Professional Fund Management team, Safety (governed by Securities Commission) and High Return (average of 8-10% yearly, some fund offer even higher return around 25-35%).

 

信托单位基金的好处
 

谈到投资的这一部分，在通货膨胀率大约3 ％的侵蚀下，我们需要找到一些投资/储蓄工具，以维护我们的储蓄价值，同时增加储蓄的价值。投资于信托单位基金是最好的方式。信托单位基金提供了很多 好处，例如多样化的投资组合（风险减少） ，流动资金（快速现金收回） ，可负担（最低投资要求） ，专业知识，经验和专业的基金管理团队，安全（由证券委员会管理）和高回报（平均8-12 ％ ，当经济情况大好时，一些基金提供更高的回报约25-40 ％ ） 。

 

Public Mutual

Public Mutual is wholly owned by Public Bank, have 26 years of experience, had over 1 million investors nationwide, manage more than RM20.6 billion (about 38% of market share) in unit trust industry and received a total 100 major awards since 1999.

大众信托

大众信托是大众银行独资的公司，有26年的经验，在全国有超过100万的投资者，管理超过RM20.6亿元（约38 ％的市场份额） ，在信托单位基金业，自1999年以来，共接获100个主要奖项 。

 
Way of Invest:

Lump Sum (Minimum RM1000)

 With only RM10,000 of one time invest, you can get RM14,693, RM21,589 & RM 46610 in 5, 10 & 20 years if the yearly return is 8%. (More comparation in Unit Trust Investment way of saving)

 进行投资的方式：  


一次性的投资总价（最低RM1000 ）

 只有RM10000令吉，一次性投资，在5年， 10年及20年里，就可以享受RM14 ， 693 ， RM21 ， 589 ＆RM46610的回筹 ，如果每年利润是8%。 （更多的数据在这）

Regular Invest (minimum RM100 per month)

 With each month of RM 100 per month, you can get RM7,397, RM18,417 & RM 59,295 in 5, 10 & 20 years if the yearly return is 8%.  (More comparation in Unit Trust Investment way of saving)

 
定期投资（每月最少100令吉）

 每一个月RM100 ，在5年， 10年及20年里，就可以享受RM7 ， 397 ， RM18 ， 417 ＆RM59295 ，如果每年利润是8%。 （更多的数据在这）

 

 

If you don't have large sum of money, try to invest little by little then you will see a lot different in long term. When you have more money, can increase it later, try to commit with this kind of saving method for your own good. Besides, if your family members who used to save in Fixed Deposit, it is not worth to invest in such a method, with around 3.75% of return, very hard to fight with inflation (2-3%, some said even 6-8%), the money value doesn't increase much.

 

如 果您还没有大笔的钱，可以设法每个月固定投资一点点，长期来看， 会有储蓄到很多钱。当有更多的钱，可以逐步增加，尽量培养这种储蓄的方法。此外，如果你的家 庭成员把钱放在定额存款，其实这是不值得投资的，因为只有大约3.75 ％的回报，很难应付高通货膨胀（ 2-3 ％，有的说6-8%  ） ，你的钱其时在贬值。





 Reference:

More fund return, performance, information on Public Mutual Website                    

http://www.publicmutual.com.my

http://www.invest.com.my/personal/intro/