{"id":1686,"date":"2012-07-18T12:20:49","date_gmt":"2012-07-18T04:20:49","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=1686"},"modified":"2024-09-07T00:49:58","modified_gmt":"2024-09-06T16:49:58","slug":"mengapa-pelaburan-dalam-simpanan-tetap-berbaloi-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/mengapa-pelaburan-dalam-simpanan-tetap-berbaloi-bm","title":{"rendered":"Mengapa Pelaburan Dalam Simpanan Tetap Berbaloi"},"content":{"rendered":"

Sememangnya tak sukar melihat mengapa deposit tetap sering dijadikan pilihan pelaburan terutamanya bagi pelabur kali pertama. Produk bank seperti ini boleh memberikan satu pulangan sederhana yang baik, tanpa mengambil risiko yang besar. Teruskan membaca untuk ketahui lebih lanjut mengenai kebaikan dan keburukan akaun simpanan tetap.<\/p>\n

Jika anda yang masih samar, mari kita tengok takrif deposit tetap terlebih dahulu. Dikenali sebagai “deposit bersyarat” atau “deposit bertempoh” di sesetengah negara, ia sejenis pelaburan tetap yang memerlukan individu mengetepikan sejumlah wang dengan bank – tanpa pengeluaran \u2013 dalam tempoh masa yang ditetapkan. Sebagai balasan, bank menjanjikan bayaran faedah bagi sepanjang tempoh ini, biasanya pada kadar yang lebih tinggi berbanding dengan apa yang anda dapat dari akaun simpanan biasa.<\/p>\n

<\/span>Mengapa mempunyai akaun simpanan tetap?<\/span><\/h2>\n

Kadar faedah yang lebih tinggi<\/strong>
\nIa masih bergantung kepada bank atau institusi kewangan yang anda pilih untuk buka akaun simpanan tetap anda. Namun secara umumnya, hampir semua bank tawarkan kadar faedah yang agak tinggi untuk deposit tetap berbanding akaun simpanan biasa.<\/p>\n

Potensi pendapatan biasa<\/strong>
\nDeposit tersebut memberi anda faedah (iaitu faedah yang lebih tinggi) sepanjang tempoh tertentu seperti bulanan atau suku tahunan (ada yang secara tahunan). Sesetengah bank membenarkan anda simpan atau pindahkan faedah yang diperolehi ke akaun pilihan anda, iaitu : walaupun anda tak punyai akses terhadap seluruh deposit simpanan tetap anda, namun anda menerima aliran tunai berkala dalam bentuk pembayaran faedah tetap. Ini adalah salah satu sebab mengapa ramai pesara memilih untuk melabur dalam deposit tetap.<\/p>\n

Jenis pelaburan paling selama<\/strong>
\nTak semua orang sanggup letak risiko wang mereka pada saham, hartanah atau lain-lain pelaburan berrisiko yang sama. Bagi setengah orang, keluk pembelajarannya adalah curam: perlu banyak belajar jika anda mahu menjadi pelabur saham profesional. Sebaliknya, deposit tetap beri anda peluang duduk diam dan tunggu pulangan anda. Patut juga dinyatakan di sini bahawa kebanyakan institusi kewangan \/ bank-bank menawarkan deposit tetap yang boleh dipercayai, stabil dan dikawal selia oleh agensi-agensi kerajaan. Deposit tetap di Malaysia juga dilindungi oleh Perbadanan Insurans Deposit Malaysia (PIDM), yang merupakan agensi kerajaan yang ditubuhkan untuk melindungi rakyat Malaysia daripada kehilangan deposit mereka yang diletakkan di dalam bank sekiranya berlaku sebarang kegagalan di bank.<\/p>\n

<\/span>Kelemahan deposit tetap<\/span><\/h2>\n

Seperti mana-mana pelaburan lain yang tidak sempurna di dunia ini, deposit tetap juga ada beberapa kelemahan yang sering menyebabkan orang ramai mengelakkannya.<\/p>\n

Jenis pelaburan paling selamat tapi hasil pendapatannya terendah<\/strong>
\nKita dah lihat mengapa deposit tetap merupakan pelaburan yang paling selamat. Walau bagaimanapun ia juga merupakan antara pelaburan yang menjana keuntungan terendah. Pakar-pakar pelaburan yang bijak akan beritahu anda bahawa walaupun penghapusan risiko dalam deposit tetap agak berbaloi, tetapi apabila ia berkaitan dengan deposit tetap, anda tak sepatutnya lihat nilai pulangan monetari semata-mata. Sebaliknya, anda juga perlu ambil kira faedah tak ketara dalam bentuk keselamatan (iaitu ketenangan fikiran!).<\/p>\n

Tiada penyertaan aktif daripada pelabur<\/strong>
\nSesetengah orang tak suka duduk diam sekiranya ia berkaitan kepada pelaburan mereka. Jika ini adalah anda, deposit tetap mungkin tak sesuai untuk anda. Walau bagaimanapun, hakikat bahawa pelaburan deposit tetap tak perlukan penyertaan aktif pelabur sebenarnya boleh menjadi satu perkara yang baik kerana ia mengurangkan kesilapan pelabur dan seterusnya mengelakkan kerugian.<\/p>\n

Sedia untuk mula melabur dalam simpanan tetap? Lihatlah bank mana yang menawarkan kadar faedah yang tertinggi di Malaysia<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"

Sememangnya tak sukar melihat mengapa deposit tetap sering dijadikan pilihan pelaburan terutamanya bagi pelabur kali pertama. Produk bank seperti ini boleh memberikan satu pulangan sederhana yang baik, tanpa mengambil risiko yang besar. Teruskan membaca untuk ketahui lebih lanjut mengenai kebaikan dan keburukan akaun simpanan tetap. Jika anda yang masih samar, mari kita tengok takrif deposit… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":2660,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,102],"tags":[279,209],"class_list":["post-1686","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-simpanan-tetap","tag-bm","tag-mesti-baca"],"acf":[],"yoast_head":"\nMengapa Pelaburan Dalam Simpanan Tetap Berbaloi<\/title>\n<meta name=\"description\" content=\"Produk bank ini iaitu simpanan tetap boleh memberikan satu pulangan sederhana yang baik, tanpa mengambil risiko yang besar.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imoney.my\/articles\/mengapa-pelaburan-dalam-simpanan-tetap-berbaloi-bm\" 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