{"id":14202,"date":"2025-08-21T11:23:31","date_gmt":"2025-08-21T03:23:31","guid":{"rendered":"https:\/\/ddnk.ai\/?post_type=artikel&#038;p=14202"},"modified":"2025-08-21T11:39:57","modified_gmt":"2025-08-21T03:39:57","slug":"bekerja-makan-gaji-macam-mana-nak-ada-simpanan-rm1-juta-untuk-persaraan","status":"publish","type":"artikel","link":"https:\/\/ddnk.ai\/ms\/artikel\/bekerja-makan-gaji-macam-mana-nak-ada-simpanan-rm1-juta-untuk-persaraan\/","title":{"rendered":"Bekerja Makan Gaji: Macam Mana Nak Ada Simpanan RM1 Juta Untuk Persaraan?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"14202\" class=\"elementor elementor-14202\" data-elementor-post-type=\"artikel\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0159a49 e-flex e-con-boxed e-con e-parent\" data-id=\"0159a49\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7296d43 elementor-widget elementor-widget-text-editor\" data-id=\"7296d43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ramai yang bekerja makan gaji selalu tertanya:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d2f6579 e-flex e-con-boxed e-con e-parent\" data-id=\"d2f6579\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a5339e elementor-widget elementor-widget-heading\" data-id=\"2a5339e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u201cCukupkah simpanan saya untuk persaraan nanti?\u201d<br>\n \u201cBoleh ke saya capai RM1 juta walaupun gaji biasa-biasa?\u201d<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1f4273 elementor-widget elementor-widget-text-editor\" data-id=\"d1f4273\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Jawapannya: <strong data-start=\"443\" data-end=\"456\">YA, boleh<\/strong> \u2013 asalkan ada perancangan, disiplin dan strategi simpanan yang konsisten. Artikel ini akan tunjukkan:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ebbbca elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4ebbbca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Kenapa penting ada target simpanan persaraan<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Berapa banyak yang anda perlukan untuk hidup selesa<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Cara kiraan untuk capai RM1 juta<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Tips praktikal simpanan untuk pekerja makan gaji<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f81e6c6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f81e6c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1383b3 elementor-widget elementor-widget-heading\" data-id=\"d1383b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kenapa Perlu Ada Target Simpanan Persaraan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4f69ce elementor-widget elementor-widget-text-editor\" data-id=\"e4f69ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ramai rakyat Malaysia masih bergantung 100% kepada <strong data-start=\"867\" data-end=\"875\">KWSP<\/strong>. Masalahnya:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ac50c5 elementor-widget elementor-widget-heading\" data-id=\"6ac50c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Data KWSP (2020) tunjuk lebih 50% ahli berumur 55 tahun hanya ada kurang daripada RM50,000 dalam akaun.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-133b102 elementor-widget elementor-widget-heading\" data-id=\"133b102\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Dengan kos sara hidup yang meningkat, RM50,000 hanya cukup untuk 1\u20132 tahun sahaja.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f74ea5 elementor-widget elementor-widget-text-editor\" data-id=\"1f74ea5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Kalau nak hidup selesa selepas bersara, kita perlukan target kewangan yang jelas.<br data-start=\"1179\" data-end=\"1182\" \/>Dan <strong data-start=\"1186\" data-end=\"1198\">RM1 juta<\/strong> adalah angka yang realistik untuk kebanyakan orang \u2013 cukup untuk tampung hidup selama 20 tahun selepas bersara (anggaran RM4,000 sebulan).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec52c6b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ec52c6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9ac069 elementor-widget elementor-widget-heading\" data-id=\"e9ac069\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kiraan: Macam Mana Nak Capai RM1 Juta?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa959a elementor-widget elementor-widget-text-editor\" data-id=\"3aa959a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1394\" data-end=\"1447\">Mari kita kira dengan mudah. Katakan anda sekarang:<\/p><ul data-start=\"1449\" data-end=\"1522\"><li data-start=\"1449\" data-end=\"1467\"><p data-start=\"1451\" data-end=\"1467\">Umur: 30 tahun<\/p><\/li><li data-start=\"1468\" data-end=\"1494\"><p data-start=\"1470\" data-end=\"1494\">Umur bersara: 60 tahun<\/p><\/li><li data-start=\"1495\" data-end=\"1522\"><p data-start=\"1497\" data-end=\"1522\">Tempoh simpan: 30 tahun<\/p><\/li><\/ul><p data-start=\"1524\" data-end=\"1705\">\ud83d\udc49 Jika anda menyimpan <strong data-start=\"1547\" data-end=\"1564\">RM500 sebulan<\/strong> dalam instrumen pelaburan sederhana (contohnya unit trust, ETF atau saham konservatif) dengan <strong data-start=\"1659\" data-end=\"1682\">pulangan 8% setahun<\/strong>, hasilnya akan jadi:<\/p><p data-start=\"1707\" data-end=\"1822\"><strong data-start=\"1707\" data-end=\"1765\">RM500 x 12 bulan x 30 tahun = RM180,000 (modal sahaja)<\/strong><br data-start=\"1765\" data-end=\"1768\" \/>Dengan compounding 8% setahun \u2192 <strong data-start=\"1800\" data-end=\"1820\">hampir RM745,000<\/strong><\/p><h3 data-start=\"1707\" data-end=\"1822\">Jadual Simpanan Untuk Capai RM1 Juta (Target Bersara Umur 60)<\/h3><table><thead><tr><th>Umur Mula Simpan<\/th><th>Tempoh Simpan (tahun)<\/th><th>Jumlah Simpanan Bulanan Perlu (\u00b1)<\/th><th>Jumlah Modal Dikeluarkan<\/th><th>Anggaran Nilai Akhir (RM)<\/th><\/tr><\/thead><tbody><tr><td>25 tahun<\/td><td>35 tahun<\/td><td>RM400<\/td><td>RM168,000<\/td><td>\u00b1 RM1,000,000<\/td><\/tr><tr><td>30 tahun<\/td><td>30 tahun<\/td><td>RM700<\/td><td>RM252,000<\/td><td>\u00b1 RM1,000,000<\/td><\/tr><tr><td>35 tahun<\/td><td>25 tahun<\/td><td>RM1,100<\/td><td>RM330,000<\/td><td>\u00b1 RM1,000,000<\/td><\/tr><tr><td>40 tahun<\/td><td>20 tahun<\/td><td>RM1,800<\/td><td>RM432,000<\/td><td>\u00b1 RM1,000,000<\/td><\/tr><tr><td>45 tahun<\/td><td>15 tahun<\/td><td>RM3,000<\/td><td>RM540,000<\/td><td>\u00b1 RM1,000,000<\/td><\/tr><\/tbody><\/table><p data-start=\"1824\" data-end=\"1925\">\ud83d\udc49 Jika naikkan kepada <strong data-start=\"1847\" data-end=\"1864\">RM700 sebulan<\/strong> \u2192 boleh cecah lebih kurang <strong data-start=\"1892\" data-end=\"1904\">RM1 juta<\/strong> bila cukup tempoh.<\/p><p data-start=\"1927\" data-end=\"2048\">\ud83d\udccc Kesimpulan: <strong data-start=\"1942\" data-end=\"1996\">Bukan mustahil capai RM1 juta walaupun makan gaji.<\/strong> Yang penting, konsisten + guna kuasa compounding.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a4a5bf elementor-widget elementor-widget-heading\" data-id=\"7a4a5bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Apa Yang Boleh Kita Belajar Dari Jadual Ni?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f82757e elementor-widget elementor-widget-text-editor\" data-id=\"f82757e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"1381\" data-end=\"1458\"><p data-start=\"1384\" data-end=\"1458\">Lagi awal anda mula, <strong data-start=\"1405\" data-end=\"1456\">lagi rendah jumlah bulanan yang perlu disimpan.<\/strong><\/p><\/li><li data-start=\"1459\" data-end=\"1515\"><p data-start=\"1462\" data-end=\"1515\">Kalau mula umur 25 \u2192 hanya perlu <strong data-start=\"1495\" data-end=\"1512\">RM400 sebulan<\/strong>.<\/p><\/li><li data-start=\"1516\" data-end=\"1597\"><p data-start=\"1519\" data-end=\"1597\">Kalau mula umur 40 \u2192 kena simpan <strong data-start=\"1552\" data-end=\"1571\">RM1,800 sebulan<\/strong> (4x ganda lebih susah).<\/p><\/li><li data-start=\"1598\" data-end=\"1694\"><p data-start=\"1601\" data-end=\"1694\">Kuasa <strong data-start=\"1607\" data-end=\"1622\">compounding<\/strong> adalah kawan terbaik anda \u2013 masa yang panjang menggandakan duit anda.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4f65f2 elementor-widget elementor-widget-heading\" data-id=\"f4f65f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Tips Untuk Pekerja Makan Gaji<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04d7810 elementor-widget elementor-widget-text-editor\" data-id=\"04d7810\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1740\" data-end=\"1834\"><strong data-start=\"1740\" data-end=\"1778\">Mula Kecil Tak Apa, Asal Konsisten<\/strong><br data-start=\"1778\" data-end=\"1781\" \/>\u2013 RM300\u2013RM500 sebulan dah cukup kalau mula awal.<\/p><p data-start=\"1842\" data-end=\"1946\"><strong data-start=\"1842\" data-end=\"1882\">Gunakan Instrumen Selamat &amp; Berlesen<\/strong><br data-start=\"1882\" data-end=\"1885\" \/>\u2013 KWSP, ASB, Tabung Haji, unit trust patuh syariah, ETF.<\/p><p data-start=\"1951\" data-end=\"2055\"><strong data-start=\"1951\" data-end=\"1986\">Naikkan Simpanan Bila Gaji Naik<\/strong><br data-start=\"1986\" data-end=\"1989\" \/>\u2013 Contoh: setiap kali gaji naik RM500, tambah simpanan RM200.<\/p><p data-start=\"2060\" data-end=\"2143\"><strong data-start=\"2060\" data-end=\"2086\">Automasi Potongan Gaji<\/strong><br data-start=\"2086\" data-end=\"2089\" \/>\u2013 Elak \u201clupa\u201d atau terguna untuk belanja bulanan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1dfd82 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f1dfd82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ef6602 elementor-widget elementor-widget-heading\" data-id=\"4ef6602\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cara &amp; Strategi Simpanan Untuk Capai Target RM1 Juta<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2287a24 elementor-widget elementor-widget-text-editor\" data-id=\"2287a24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol data-start=\"2118\" data-end=\"2838\"><li data-start=\"2118\" data-end=\"2203\"><p data-start=\"2121\" data-end=\"2203\"><strong data-start=\"2121\" data-end=\"2148\">Tetapkan Matlamat Jelas<\/strong><br data-start=\"2148\" data-end=\"2151\" \/>\u2013 Contoh: \u201cSaya nak ada RM1 juta bila umur 60.\u201d<\/p><\/li><li data-start=\"2205\" data-end=\"2365\"><p data-start=\"2208\" data-end=\"2365\"><strong data-start=\"2208\" data-end=\"2231\">Kira Jumlah Bulanan<\/strong><br data-start=\"2231\" data-end=\"2234\" \/>\u2013 Guna formula compounding atau calculator online.<br data-start=\"2287\" data-end=\"2290\" \/>\u2013 Semakin awal mula, semakin kecil jumlah simpanan bulanan yang perlu.<\/p><\/li><li data-start=\"2367\" data-end=\"2491\"><p data-start=\"2370\" data-end=\"2491\"><strong data-start=\"2370\" data-end=\"2394\">Automasikan Simpanan<\/strong><br data-start=\"2394\" data-end=\"2397\" \/>\u2013 Potong terus gaji masuk ASB Financing, Tabung Haji, Unit Trust atau pelaburan berlesen.<\/p><\/li><li data-start=\"2493\" data-end=\"2607\"><p data-start=\"2496\" data-end=\"2607\"><strong data-start=\"2496\" data-end=\"2527\">Elakkan Lifestyle Inflation<\/strong><br data-start=\"2527\" data-end=\"2530\" \/>\u2013 Bila gaji naik, tambahkan simpanan. Jangan tambah belanja semata-mata.<\/p><\/li><li data-start=\"2609\" data-end=\"2710\"><p data-start=\"2612\" data-end=\"2710\"><strong data-start=\"2612\" data-end=\"2640\">Gunakan Prinsip 50\/30\/20<\/strong><br data-start=\"2640\" data-end=\"2643\" \/>\u2013 50% untuk keperluan, 30% kehendak, 20% simpanan &amp; pelaburan.<\/p><\/li><li data-start=\"2712\" data-end=\"2838\"><p data-start=\"2715\" data-end=\"2838\"><strong data-start=\"2715\" data-end=\"2744\">Diversifikasikan Simpanan<\/strong><br data-start=\"2744\" data-end=\"2747\" \/>\u2013 Jangan harap KWSP sahaja. Tambah dengan pelaburan lain (saham, emas, ETF, hartanah).<\/p><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-896b5f6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"896b5f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc340b4 elementor-widget elementor-widget-heading\" data-id=\"cc340b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kenapa Penting Ada Target Simpanan RM1 Juta?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfde81b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"bfde81b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Elak bergantung kepada anak-anak bila tua<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ada kebebasan kewangan selepas bersara<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Boleh nikmati gaya hidup selesa tanpa risau kos hidup<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-square\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Persediaan jika berlaku inflasi atau krisis ekonomi<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-772b8b3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"772b8b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0091580 elementor-widget elementor-widget-heading\" data-id=\"0091580\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kesimpulan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbb59e0 elementor-widget elementor-widget-text-editor\" data-id=\"bbb59e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"3127\" data-end=\"3273\">Walaupun bekerja makan gaji, <strong data-start=\"3156\" data-end=\"3209\">anda tetap boleh jadi jutawan senyap bila bersara<\/strong> \u2013 asalkan mula awal, konsisten dan gunakan kuasa compounding.<\/p><p data-start=\"3275\" data-end=\"3385\">Jangan tunggu umur 40 baru nak serius. Lagi cepat mula, lagi rendah komitmen bulanan yang perlu anda simpan.<\/p><p data-start=\"3387\" data-end=\"3511\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f449.svg\" alt=\"\ud83d\udc49\" \/> Mulakan dengan apa yang ada hari ini.<br data-start=\"3427\" data-end=\"3430\" \/><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f449.svg\" alt=\"\ud83d\udc49\" \/> Tetapkan target RM1 juta.<br data-start=\"3458\" data-end=\"3461\" \/><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f449.svg\" alt=\"\ud83d\udc49\" \/> Biarkan masa dan disiplin bekerja untuk anda.<\/p><p data-start=\"3387\" data-end=\"3511\">Ketahui lebih lanjut di <a href=\"https:\/\/mulatrade.com\/?utm_source=website&amp;utm_medium=artikel\" target=\"_blank\" rel=\"noopener\">mulatrade.com<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Ramai yang bekerja makan gaji selalu tertanya: \u201cCukupkah simpanan saya untuk persaraan nanti?\u201d \u201cBoleh ke saya capai RM1 juta walaupun gaji biasa-biasa?\u201d Jawapannya: YA, boleh \u2013 asalkan ada perancangan, disiplin dan strategi simpanan yang konsisten. Artikel ini akan tunjukkan: Kenapa penting ada target simpanan persaraan Berapa banyak yang anda perlukan untuk hidup selesa Cara kiraan [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":14207,"parent":0,"comment_status":"open","ping_status":"closed","template":"","categories":[23],"tags":[],"class_list":["post-14202","artikel","type-artikel","status-publish","has-post-thumbnail","hentry","category-kewangan"],"acf":[],"_links":{"self":[{"href":"https:\/\/ddnk.ai\/ms\/wp-json\/wp\/v2\/artikel\/14202","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ddnk.ai\/ms\/wp-json\/wp\/v2\/artikel"}],"about":[{"href":"https:\/\/ddnk.ai\/ms\/wp-json\/wp\/v2\/types\/artikel"}],"author":[{"embeddable":true,"href":"https:\/\/ddnk.ai\/ms\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/ddnk.ai\/ms\/wp-json\/wp\/v2\/comments?post=14202"}],"version-history":[{"count":13,"href":"https:\/\/ddnk.ai\/ms\/wp-json\/wp\/v2\/artikel\/14202\/revisions"}],"predecessor-version":[{"id":14217,"href":"https:\/\/ddnk.ai\/ms\/wp-json\/wp\/v2\/artikel\/14202\/revisions\/14217"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ddnk.ai\/ms\/wp-json\/wp\/v2\/media\/14207"}],"wp:attachment":[{"href":"https:\/\/ddnk.ai\/ms\/wp-json\/wp\/v2\/media?parent=14202"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ddnk.ai\/ms\/wp-json\/wp\/v2\/categories?post=14202"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ddnk.ai\/ms\/wp-json\/wp\/v2\/tags?post=14202"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}