Perlukah meminjam untuk melabur?

5 08 2009

Sumber:www.bicarajutawan.com/forum/showthread.php?t=9099&page=2
1) perlu ke meminjam utk melabur?

Tak semestinya…tengok keadaan…klu dividen investment tinggi dr interest loan. Yg tu berbaloi. Contoh…interest PL 6.8%, dividen KPF 12%…profit margin > 5%

Tapi klu interest PL 6.8%, dividen investment 9% saja…profit margin/dividen seciput jer (< 5%0, maybe not recommended. Untung kecik sgt…tak masuk klu BLR naik dan dividen investment turun.

Apa2pun, refer to No.3 kat bawah…

2) secara logiknya, adakah bank buat nie untuk kayakan pelabur dan miskinkan bank

Selalunya Bank akan make sure dia untung dulu…
Klu tak, dia akan jadi Bankrupt…hehehehe

3) kenali kemampuan diri

Klu commitment tinggi/tak mampu, jgn susahkan diri nak amik PL…kang jadi beban bertahun2…masuk AKPK atau generate banyak masalah lain…

Yang penting, pelan2 kayuh, pastikan ada plan kewangan yg betul dan jgn berhutang klu tak mampu and/or menguntungkan…

My 2 cents…
Last edited by achem; 11-22-2008 at 06:03 AM.


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