昨天出席了一个关于个人理财与迈向个人财务自主的简短课程。
在此和大家分享此 课程的点滴。
在通往个人财务自主的过程里，只要做得到以下十项，就算是成功了~
Financial Independence Check list 财务自主检查清单 :
1) Emergency Fund (3 to 6 months' expenses)
拥有能够应付3至6个月的每月必开销费用的存款。
实际上三个月是不足够的。最保险还是要有六个月。
2) Budget 预算
1/3 Future - child edu, retirement, legacy
1/3 Now - needs, wants, desires
1/3 Forever - home loan, car loan, other loan
3) Asset Allocation
10% Protect : Life Insurance, CI insurance, Medical insurance
10% Save : Amanah Saham Berhad. Bank, Endowment, ILP
10% Invest : Shares, Unit trust, Properties.
4) Insurance coverage
At least 5-10x annual income
5) Opportunity Fund
15% of net worth in liquid assets
6) Car Purchases : 5/10/15
<= 5 years duration of loan period.
> 10 years driving the same car.
loan amount max 15% of net income.
7) Home Purchase : 3/30/33
House price <= 3x annual income
<=30 years loan tenure
<= 33% of monthly salary allocate for monthly installment.
8) Credit Card Usage : ABCD
Available Cash by the time swipe credit card.
Be punctual for payment
Clear balance in full.
Don't forget ABC.
9) Stock Portfolio : 5/10/15/500
Maximum percentage to invest in stock = 100 - Age
>= 5 years horizon.
<=10% montly income in a single stock
<= 15% in all stocks investment
500 : Index ETF (Exchange Trade Fund)
10) Understand and Applying the Rule of 72.
Depreciation (ROI) = _______________72_________________
of years value of item reduced by 50%
11) Net Worth
Actual NW 2x of Expected NW
12) Cash Flow
Passive Income > Expenses
Every Crisis is an Opportunity
