{"id":2352,"date":"2012-10-31T12:39:25","date_gmt":"2012-10-31T04:39:25","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=2352"},"modified":"2024-09-07T00:51:40","modified_gmt":"2024-09-06T16:51:40","slug":"memilih-dan-melabur-dalam-simpanan-tetap-terbaik-di-malaysia-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/memilih-dan-melabur-dalam-simpanan-tetap-terbaik-di-malaysia-bm","title":{"rendered":"Memilih Dan Melabur Dalam Simpanan Tetap Terbaik Di Malaysia"},"content":{"rendered":"

Oleh sebab pelaburan dan keuntungannya terjamin, simpanan tetap sering merupakan di antara opsyen pelaburan terbaik untuk orang ramai di Malaysia.<\/p>\n

Hari ini, hampir kesemua bank menawarkan akaun simpanan tetap. Sesetengah bank juga menawarkan pelbagai opsyen simpanan tetap untuk pilihan anda. Yang agak mengelirukan bila nak pilih akaun simpanan yang terbaik.<\/p>\n

Sekiranya anda sedang fikir nak buka akaun simpanan tetap, berikut adalah tip dan perkara untuk di pertimbangkan:<\/p>\n

<\/span>Memilih tempoh pelaburan yang tepat<\/span><\/h2>\n

Dua jenis tempoh pelaburan yang utama adalah jangka pendek dan jangka panjang:<\/p>\n

Jangka pendek<\/strong>: Biasanya bagi simpanan jangka pendek dengan tempoh kurang dari setahun, dan bermula dari tempoh sependek sebulan.<\/p>\n

Simpanan jangka pendek sesuai untuk mereka yang berniat untuk buat simpanan segera, atau pilih fleksibiliti dan tak mahu kunci simpanan mereka untuk jangka masa yang panjang. Tempoh jangka pendek simpanan tetap yang biasa ialah 1 bulan 3 bulan, 6 bulan dan 9 bulan.<\/p>\n

Jangka panjang<\/strong>: Tempoh melebihi 12 bulan biasanya dikira sebagai jangka panjang, dan di Malaysia, tempoh simpanan tetap boleh sampai sehingga lima tahun.<\/p>\n

Jika anda tak perlu usik dana dalam jangka masa dekat dan ingin memperolehi kadar faedah yang tinggi, maka simpanan tetap jangka panjang boleh jadi satu opsyen yang baik bagi anda.<\/p>\n

Apabila mempertimbangkan tempoh simpanan tetap, ketahuilah bahawa kebanyakan bank minta jumlah minimum yang berbeza bergantung kepada tempoh dipilih. Juga, kadar faedah simpanan tetap selalunya berperingkat, iaitu lebih banyak wang yang disimpan serta lebih lama tempoh yang dipilih, maka lebih tinggi kadar faedah yang bakal anda perolehi.<\/p>\n

<\/span>Yuran dan caj simpanan tetap<\/span><\/h2>\n

Di Malaysia, bank biasanya tak kenakan sebarang caj membuka atau caj berkala untuk akaun simpanan tetap. Walau bagaimanapun, lebih baik anda semak sekali lagi dengan bank sebelum tanda tangan sebarang kontrak.<\/p>\n

Anda mungkin dikenakan yuran penalti sekiranya anda nak keluar dari perjanjian dengan bank sebelum masa yang dipersetujui.<\/p>\n

<\/span>Pengiraan yuran penalti simpanan tetap<\/span><\/h2>\n

Lain bank, lain pula cara mereka mengira yuran penalti. Sesetengahnya akan tolak dari peratusan kadar faedah anda. Contohnya, jika anda dijanjikan 4% kadar faedah atas simpanan tetap 6 bulan dan kadar penalti bank ialah 2%, maka anda akan terima hanya 2% faedah jika anda keluarkan dana dalam tempoh 6 bulan tersebut.<\/p>\n

Sesetengah bank juga akan kenakan caj yang dikenali sebagai \u201ckos pemecahan\u201d. Ini pada asasnya ialah bayaran sekali sahaja kepada bank kerana anda pecah penjanjian anda. Kos pemecahan bergantung kepada beberapa faktor, termasuk kadar faedah semasa bank (pada masa anda ingin keluarkan dana), kadar faedah yang dipersetujui atas simpanan tetap anda, dan jumlah wang dalam simpanan tetap anda.<\/p>\n

Penalti bagi pemecahan perjanjian simpanan tetap anda mungkin agak tinggi, jadi anda dinasihati supaya bersedia untuk mengunci wang simpanan selama tempoh yang dipersetujui sebelum menanda tangani sebarang perjanjian. Sekiranya anda tak sanggup berbuat demikian, pilihlah tempoh yang lebih pendek.<\/p>\n

<\/span>Kadar faedah simpanan tetap<\/span><\/h2>\n

Kesimpulannya, bila melabur dalam simpanan tetap, kadar feadahlah yang menjadi keutamaan kebanyakan orang. Untuk tempoh tertentu, lagi tinggi kadar faedah yang ditawarkan lagi baik.<\/p>\n

Bank, bagaimanapun, boleh menyulitkan keadaan dengan menawarkan kadar faedah promosi atau istimewa yang berjangka pendek dan \/ atau yang datang bersyarat. Contohnya, sesetengah bank menawarkan kadar feadah yang tinggi hanya bila anda pohon produk lain yang ditawarkan olehnya, atau hanya bila anda ada simpanan minimum yang tinggi.<\/p>\n

Apabila anda membuat perbandingan di antara kadar faedah simpanan tetap<\/a> yang ditawarkan oleh bank, pastikan anda melihat tempoh dan syarat bukan standard ini.<\/p>\n","protected":false},"excerpt":{"rendered":"

Oleh sebab pelaburan dan keuntungannya terjamin, simpanan tetap sering merupakan di antara opsyen pelaburan terbaik untuk orang ramai di Malaysia. Hari ini, hampir kesemua bank menawarkan akaun simpanan tetap. Sesetengah bank juga menawarkan pelbagai opsyen simpanan tetap untuk pilihan anda. Yang agak mengelirukan bila nak pilih akaun simpanan yang terbaik. Sekiranya anda sedang fikir nak… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":2738,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,102],"tags":[279],"class_list":["post-2352","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-simpanan-tetap","tag-bm"],"acf":[],"yoast_head":"\nMemilih Dan Melabur Dalam Simpanan Tetap Terbaik Di Malaysia<\/title>\n<meta name=\"description\" content=\"Oleh sebab pelaburan dan keuntungannya terjamin, simpanan tetap sering merupakan di antara pilihan pelaburan terbaik untuk orang ramai di Malaysia.\" \/>\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\/memilih-dan-melabur-dalam-simpanan-tetap-terbaik-di-malaysia-bm\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Memilih Dan Melabur Dalam Simpanan Tetap Terbaik Di Malaysia\" \/>\n<meta property=\"og:description\" content=\"Oleh sebab pelaburan dan keuntungannya terjamin, simpanan tetap sering merupakan di antara pilihan pelaburan terbaik untuk orang ramai di Malaysia.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imoney.my\/articles\/memilih-dan-melabur-dalam-simpanan-tetap-terbaik-di-malaysia-bm\" \/>\n<meta property=\"og:site_name\" content=\"iMoney Malaysia\" \/>\n<meta property=\"article:published_time\" content=\"2012-10-31T04:39:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-06T16:51:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2012\/10\/Memilih-dan-Melabur-dalam-Simpanan-Tetap-terbaik-di-malaysia.png\" \/>\n\t<meta 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