Mesti seronok kalau sambil tidur pun boleh buat duit. Untuk jadi kaya ataupun hidup luar biasa, kita perlu tahu bagaimana untuk buat duit walaupun sedang tidur.
If you're just starting out, beginning an investment program may be something that hasn't been on your radar. You may be more concerned with how to pay for items like food and gasoline. However, if you can scrape together even a small amount of money for investment purposes, you'll be on your way to creating a much rosier financial picture in the years to come.
Beating InflationIn addition to making for uncomfortable sleeping, stuffing your money under a mattress does little to mitigate the impact of inflation over time. Putting your money in a regular bank savings account won't help much either because of the typically minuscule interest rates. While placing your money in investment vehicles, such as stocks and mutual funds, introduces an element of risk, you stand a much better chance of outpacing the inflation rate throughout a period of years.
Saving for Retirement
Depending solely on social security benefits as your source of retirement income probably won't cut it unless you plan to subsist on a diet of rice and water. Unless your company offers a sizable pension plan, you will probably need to start an investment program as early as possible to ensure a comfortable retirement. IRAs offer an easy way to invest for retirement and also provide certain tax benefits. If your employer offers a 401k plan, you can benefit from the matching funds that many companies will deposit in your account on your behalf.
Putting Your Money to Work
If you have a job, you're undoubtedly familiar with the concept of working for your money. Investing allows you to turn the tide by making your money work for you. Through the magic of compound interest, for example, your accumulated interest actually earns additional money without you having to lift a finger. Consequently, your original investment can multiply greatly over time. For example, if you invested $1,000 at an interest rate of 7 percent compounded annually, your investment would grow to $7,612.26 after 30 years.
Financial Resource
Some investments can fulfill more than one financial purpose and serve as a valuable resource. For instance, when you purchase a home, it may appreciate in value and yield a handsome profit when you sell it. Additionally, as you make your monthly mortgage payments you build up equity, which is the amount of your ownership stake in the property. You can borrow against your accumulated equity by taking out a home equity loan or home equity line of credit to help you more immediate financial needs.
Malah Warren Buffett, seorang pelabur terkenal yang bermula daripada kosong pun berkongsi mengenai kepentingan untuk buat duit walaupun sedang tidur.
Apa yang kami bakal kongsikan adalah beberapa cara praktikal di Malaysia yang boleh digunapakai untuk buat duit sambil tidur.
1. Buat Laman Web / Blog
Anda sudah semestinya banyak habiskan masa di internet bukan? Daripada habiskan masa melayari laman web orang lain, apa kata anda bangunkan laman web atau blog sendiri; dan biar orang lain pula yang layari laman web anda.
Tapi bagaimana nak bangunkan laman web? Konsep apa pula yang sesuai?
- Pertama sekali, anda boleh guna aplikasi percuma seperti WordPress untuk bantu anda bangunkan laman web. Boleh belajar lagi tentang WordPress di group Facebook Kedai Kopi WordPress.
- Kedua, anda perlu mempunyai hosting, search mana-mana hosting yang percuma atau murah sebagai permulaan.
- Ketiga, apa yang anda minat untuk baca ketika di internet? Adakah isu kekeluargaan? Kereta? Smartphone? Apps? Apa yang penting anda tulis ikut hobi anda atau minat, barulah tak terasa penat untuk bangunkan laman web anda tadi.
Dah ada laman web, barulah boleh masukkan iklan. Dah ada iklan, barulah boleh buat duit sambil tidur. Lagi ramai pelawat ke laman web anda, lebih banyak anda akan dapat. Antara penyedia perkhidmatan ini adalah Google Adsense, Innity dan Facebook.
2. Buat Video YouTube
Samada anda sedar atau tidak, YouTube telah berjaya mencipta ramai jutawan. Anak-anak kecil pun cukup suka menonton video di YouTube, apatah lagi orang dewasa macam kita.
Kalau #1 tadi anda perlu tahu serba sedikit teknologi IT untuk bangunkan lawan web, hosting, menulis dan sebagainya; kini anda hanya perlu ‘berlakon’ dan kemudian upload ke YouTube.
Anda suka nampak cantik? Cuba buat tutorial memakai make up supaya orang lain boleh belajar daripada anda.
Anda suka buat kek? Cuba buat video mengenai langkah-langkah untuk buat kek moist tangkap leleh.
Konsepnya sama saja, semakin ramai yang menonton video YouTube anda; lebih banyak dapat buat duit sambil tidur. Nasihat kami, janganlah diambil atau bahasa kasarnya curi video orang lain dan upload di YouTube tanpa rasa berdosa.
3. Melabur Dalam Pasaran Saham
Pasaran saham Bursa Malaysia adalah merupakan lubuk emas yang tidak diketahui ramai. Tapi alhamdulillah sejak banyak seminar pelaburan saham dianjurkan oleh badan berautoriti di serata Malaysia, masyarakat mula celik dan memulakan langkah untuk melabur dalam saham.
Sebagai pemegang saham, walaupun anda tidak memainkan peranan dalam syarikat yang anda labur, anda tetap menjadi sebahagian daripada pemilik syarikat dan buat duit menerusi kenaikan harga saham dan dividen.
Kalau selama ini kita sudah terbiasa dengan dividen sebanyak 6-8% setahun yang diberikan Amanah Saham Bumiputera, pulangan 6-8% sebulan adalah tidak mustahil dalam pasaran saham.
Tak percaya? Rajin-rajinlah baca artikel yang kami sediakan untuk membuka mata tentang pelaburan saham yang sah dan patuh syariah di Bursa Malaysia:
- 10 Saham Syarikat Patuh Syariah Paling Untung Suku Kedua 2017 – kalau nak merasa pulangan 268.4% untuk 6 bulan atau 278% untuk setahun
- 28 Kaunter Saham Patuh Syariah Yang Berpotensi Menjelang Pilihanraya – PRU ke-14 dah nak dekat, takkan nak tengok je harga saham naik?
- Saham-Saham Berkaitan Pilihan Raya Dah Mula Bergerak Naik – Harga saham DRB Hicom, MyEg & MRCB meroket.
4. Jual Barang Online
Trend online shopping semakin mendapat tempat di Malaysia, dengan adanya laman web seperti Lazada, 11Street, Lelong, Mudah, Carousell dan sebagainya.
Cakap je nak apa, mesti jumpa punya. Daripada anda menjadi seorang pembeli, apa kata anda menjadi seorang penjual online pula.
5. Berniaga Vending Machine
Anda biasa nampak mesin jual air? Jika anda dapat cari lokasi yang menarik dan menjadi tumpuan orang ramai, pastinya ianya sangat menguntungkan. Selain daripada air kosong, ada juga mesin jual air tin, jual keropok dan sebagainya.
Dan untuk pengetahuan, di negara maju seperti Jepun – nak beli apa pun boleh menerusi vending machine ini. Cuma pilih apa yang anda nak, bayar melalui telefon, dan ianya akan dihantar terus ke pintu rumah anda.
Bilalah agaknya Malaysia nak buat macam ni kan?
Sumber : majalahlabur.com
a HOW TO INVEST The Importance of Financial Investments
If you're just starting out, beginning an investment program may be something that hasn't been on your radar. You may be more concerned with how to pay for items like food and gasoline. However, if you can scrape together even a small amount of money for investment purposes, you'll be on your way to creating a much rosier financial picture in the years to come.
Beating InflationIn addition to making for uncomfortable sleeping, stuffing your money under a mattress does little to mitigate the impact of inflation over time. Putting your money in a regular bank savings account won't help much either because of the typically minuscule interest rates. While placing your money in investment vehicles, such as stocks and mutual funds, introduces an element of risk, you stand a much better chance of outpacing the inflation rate throughout a period of years.
Saving for Retirement
Depending solely on social security benefits as your source of retirement income probably won't cut it unless you plan to subsist on a diet of rice and water. Unless your company offers a sizable pension plan, you will probably need to start an investment program as early as possible to ensure a comfortable retirement. IRAs offer an easy way to invest for retirement and also provide certain tax benefits. If your employer offers a 401k plan, you can benefit from the matching funds that many companies will deposit in your account on your behalf.
Putting Your Money to Work
If you have a job, you're undoubtedly familiar with the concept of working for your money. Investing allows you to turn the tide by making your money work for you. Through the magic of compound interest, for example, your accumulated interest actually earns additional money without you having to lift a finger. Consequently, your original investment can multiply greatly over time. For example, if you invested $1,000 at an interest rate of 7 percent compounded annually, your investment would grow to $7,612.26 after 30 years.
Financial Resource
Some investments can fulfill more than one financial purpose and serve as a valuable resource. For instance, when you purchase a home, it may appreciate in value and yield a handsome profit when you sell it. Additionally, as you make your monthly mortgage payments you build up equity, which is the amount of your ownership stake in the property. You can borrow against your accumulated equity by taking out a home equity loan or home equity line of credit to help you more immediate financial needs.
HOW TO INVEST Five Key Points to Consider Before Investing
So you and your special someone are thinking about beginning an investment program. That's a wise move because the earlier you start investing the more time your nest egg has to grow. Invest only $250 a month for 20 years at 5 percent interest and you'll have $102,758. Increase the rate of return to 8 percent and the total jumps to $147,255.
Financial Fitness
Before you start socking away money in an investment account do a fitness check on your finances. Your savings account should total from three to six months of living expenses before you start playing the stock market. It doesn't make sense to invest money until you've paid off your credit card balances. The average credit card interest rate on new credit cards as of June 8, 2012, is 14.9 percent according to FoxBusiness.com.
Risk Tolerance
Different types of investments have different levels of risk. A savings account has very little risk, but then the rate of return is low as well. Money markets are rather safe. Mutual funds spread the risk because a number of companies make up the mutual fund's portfolio. Investing in individual companies can pay off handsomely or help you lose money. If you get butterflies at the mere thought of losing any of your investment then consider a low risk investment strategy.
Goals
Determine your goals. Sit down with each other and your favorite beverage and hash out why you want to invest, how much you plan on investing each month and what you hope your investment portfolio will total at the end of one year, two years, five years and 10 years. Consider that as your life changes your goals may change. While your current goal may be to save enough for a down payment on a home, in 15 years you may be looking at funding your kids' college education.
Diversification
All your eggs in one basket is a bad investment strategy. In other words don't put all your money in tech stocks, gold or your cousin's Vinny's pizza parlor. Diversify your investment portfolio, so that if one investment tanks, the others won't be affected. That includes any investing in your employer's stock. If your employer goes bankrupt, not only have you lost your job, you've lost your investments. Consider liquidity as well as risk. Getting cash out of your money market takes place nearly instantaneously. Artwork, collectibles and antiques may take weeks to sell and depending on the market, may not yield as much as you hoped.
Time and Knowledge
Getting up to speed on what to invest in takes time and knowledge. If that doesn't appeal to either of you, consider a financial planner or adviser. Planners are paid on a commission based on what you invest in or a flat fee based on how much time he spends with you.
