{"id":2448,"date":"2012-11-01T14:23:33","date_gmt":"2012-11-01T06:23:33","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=2448"},"modified":"2018-01-12T10:12:30","modified_gmt":"2018-01-12T02:12:30","slug":"simpanan-tetap-apa-yang-anda-perlu-tahu-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm","title":{"rendered":"Simpanan Tetap \u2013 Apa Yang Anda Perlu Tahu"},"content":{"rendered":"

Walaupun ia mudah, sesetengah simpanan tetap menawarkan berbagai ciri. Berikut, kita akan bincangkan sebahagian dari ciri-ciri biasa yang anda akan dapati bila membuat perbandingan di antara simpanan tetap yang ditawarkan oleh bank-bank di Malaysia. <\/p>\n

<\/span>Kekerapan pembayaran faedah<\/span><\/h2>\n

Ini merujuk kepada masa faedah atas simpanan tetap anda dikira dan dibayar. Opsyen yang paling biasa ialah pembayaran faedah pada tarikh matang (iaitu pada penghujung tempoh yang dipersetujui) untuk simpanan tetap jangka pendek, dan pembayaran faedah tahunan (iaitu itu setiap tahun) untuk simpanan tetap jangka panjang. Sesetengah dari opsyen biasa termasuklah:<\/p>\n

    \n
  • Pembayaran tahunan<\/strong>: faedah dibayar pada hujung setiap tahun<\/li>\n
  • Pembayaran separa-tahun<\/strong>: faedah dibayar pada hujung setiap enam bulan<\/li>\n
  • Pembayaran suku tahunan<\/strong>: faedah dibayar pada hujung setiap empat bulan<\/li>\n
  • Pembayaran dua minggu<\/strong>: faedah dibayar pada hujung setiap dua minggu<\/li>\n
  • Pembayaran mingguan<\/strong>: faedah dibayar pada hujung setiap minggu<\/li>\n
  • Pembayaran pada tarikh matang<\/strong>: faedah dibayar pada hujung tempoh simpanan tetap<\/li>\n<\/ul>\n

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

    Di Malaysia, bank selalunya menyebut kadar faedah tahunan bagi simpanan tetap. Contohnya, kadar faedah simpanan tetap 3 bulan akan disebut sebagai 3.05% p.a. (p.a. juga di kenali sebagai per annum<\/em> atau setahun<\/em>). Ini bermakna, untuk pelaburan berjumlah RM10,000, jumlah faedah atas pelaburan ini ialah: RM10,000 x 3.05% x (3 bulan\/12 bulan) = RM76.25<\/p>\n

    Pelaburan atau pembaharuan otomatik<\/h3>\n

    Sekiranya akaun simpanan tetap anda mempunyai kemudahan pelaburan atau pembaharuan otomatik, bank akan melaburkan semula wang anda secara otomatik (termasuk faedah yang diperolehi) ke dalam pelaburan simpanan tetap yang baru bila pelaburan lama sudah sampai tempoh matangnya. Pelaburan simpanan tetap yang baru ini akan dilaburkan untuk jangka masa yang sama, tetapi kadar faedahnya tak semestinya sama dengan pelaburan sebelumnya. Anda dinasihatkan mencatat peringatan dalam diari anda untuk membandingkan kadar faedah simpanan tetap sebelum tempoh matang tiba. Untuk membatalkan opsyen pelaburan atau pembaharuan otomatik, anda hanya perlu beritahu bank sebelum sampai tempoh matang simpanan tetap anda.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Walaupun ia mudah, sesetengah simpanan tetap menawarkan berbagai ciri. Berikut, kita akan bincangkan sebahagian dari ciri-ciri biasa yang anda akan dapati bila membuat perbandingan di antara simpanan tetap yang ditawarkan oleh bank-bank di Malaysia.<\/p>\n","protected":false},"author":1,"featured_media":2735,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,102],"tags":[279],"class_list":["post-2448","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-simpanan-tetap","tag-bm"],"acf":[],"yoast_head":"\nSimpanan Tetap \u2013 Apa Yang Anda Perlu Tahu<\/title>\n<meta name=\"description\" content=\"Walaupun ia mudah, sesetengah simpanan tetap menawarkan berbagai ciri. Berikut, kita akan bincangkan sebahagian dari ciri-ciri biasa yang anda akan dapati.\" \/>\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\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Simpanan Tetap \u2013 Apa Yang Anda Perlu Tahu\" \/>\n<meta property=\"og:description\" content=\"Walaupun ia mudah, sesetengah simpanan tetap menawarkan berbagai ciri. Berikut, kita akan bincangkan sebahagian dari ciri-ciri biasa yang anda akan dapati.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm\" \/>\n<meta property=\"og:site_name\" content=\"iMoney Malaysia\" \/>\n<meta property=\"article:published_time\" content=\"2012-11-01T06:23:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-01-12T02:12:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2012\/11\/Simpanan-Tetap-Apa-Yang-anda-perlu-tahu.png\" \/>\n\t<meta property=\"og:image:width\" content=\"296\" \/>\n\t<meta property=\"og:image:height\" content=\"297\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"iMoney Editorial\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"iMoney Editorial\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm\",\"url\":\"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm\",\"name\":\"Simpanan Tetap \u2013 Apa Yang Anda Perlu Tahu\",\"isPartOf\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm#primaryimage\"},\"thumbnailUrl\":\"\/articles\/wp-content\/uploads\/2012\/11\/Simpanan-Tetap-Apa-Yang-anda-perlu-tahu.png\",\"datePublished\":\"2012-11-01T06:23:33+00:00\",\"dateModified\":\"2018-01-12T02:12:30+00:00\",\"author\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb\"},\"description\":\"Walaupun ia mudah, sesetengah simpanan tetap menawarkan berbagai ciri. Berikut, kita akan bincangkan sebahagian dari ciri-ciri biasa yang anda akan dapati.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm#primaryimage\",\"url\":\"\/articles\/wp-content\/uploads\/2012\/11\/Simpanan-Tetap-Apa-Yang-anda-perlu-tahu.png\",\"contentUrl\":\"\/articles\/wp-content\/uploads\/2012\/11\/Simpanan-Tetap-Apa-Yang-anda-perlu-tahu.png\",\"width\":\"296\",\"height\":\"297\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.imoney.my\/articles\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Artikel Terkini\",\"item\":\"https:\/\/www.imoney.my\/articles\/category\/artikel-terkini\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Simpanan Tetap \u2013 Apa Yang Anda Perlu Tahu\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.imoney.my\/articles\/#website\",\"url\":\"https:\/\/www.imoney.my\/articles\/\",\"name\":\"iMoney Malaysia\",\"description\":\"Everything you need to know about improving your personal finances.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.imoney.my\/articles\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb\",\"name\":\"iMoney Editorial\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g\",\"caption\":\"iMoney Editorial\"},\"description\":\"iMoney Editorial Team is composed of 4 writers with wide-ranging interests and areas of expertise. Their primary responsibility is to write financial-related articles to share and educate Malaysians on how to save, make and grow their money.\",\"sameAs\":[\"http:\/\/www.imoney.my\"],\"url\":\"https:\/\/www.imoney.my\/articles\/author\/chinglee\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Simpanan Tetap \u2013 Apa Yang Anda Perlu Tahu","description":"Walaupun ia mudah, sesetengah simpanan tetap menawarkan berbagai ciri. Berikut, kita akan bincangkan sebahagian dari ciri-ciri biasa yang anda akan dapati.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm","og_locale":"en_US","og_type":"article","og_title":"Simpanan Tetap \u2013 Apa Yang Anda Perlu Tahu","og_description":"Walaupun ia mudah, sesetengah simpanan tetap menawarkan berbagai ciri. Berikut, kita akan bincangkan sebahagian dari ciri-ciri biasa yang anda akan dapati.","og_url":"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm","og_site_name":"iMoney Malaysia","article_published_time":"2012-11-01T06:23:33+00:00","article_modified_time":"2018-01-12T02:12:30+00:00","og_image":[{"width":296,"height":297,"url":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2012\/11\/Simpanan-Tetap-Apa-Yang-anda-perlu-tahu.png","type":"image\/png"}],"author":"iMoney Editorial","twitter_card":"summary_large_image","twitter_misc":{"Written by":"iMoney Editorial","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm","url":"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm","name":"Simpanan Tetap \u2013 Apa Yang Anda Perlu Tahu","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm#primaryimage"},"image":{"@id":"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm#primaryimage"},"thumbnailUrl":"\/articles\/wp-content\/uploads\/2012\/11\/Simpanan-Tetap-Apa-Yang-anda-perlu-tahu.png","datePublished":"2012-11-01T06:23:33+00:00","dateModified":"2018-01-12T02:12:30+00:00","author":{"@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb"},"description":"Walaupun ia mudah, sesetengah simpanan tetap menawarkan berbagai ciri. Berikut, kita akan bincangkan sebahagian dari ciri-ciri biasa yang anda akan dapati.","breadcrumb":{"@id":"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm#primaryimage","url":"\/articles\/wp-content\/uploads\/2012\/11\/Simpanan-Tetap-Apa-Yang-anda-perlu-tahu.png","contentUrl":"\/articles\/wp-content\/uploads\/2012\/11\/Simpanan-Tetap-Apa-Yang-anda-perlu-tahu.png","width":"296","height":"297"},{"@type":"BreadcrumbList","@id":"https:\/\/www.imoney.my\/articles\/simpanan-tetap-apa-yang-anda-perlu-tahu-bm#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.imoney.my\/articles\/"},{"@type":"ListItem","position":2,"name":"Artikel Terkini","item":"https:\/\/www.imoney.my\/articles\/category\/artikel-terkini"},{"@type":"ListItem","position":3,"name":"Simpanan Tetap \u2013 Apa Yang Anda Perlu Tahu"}]},{"@type":"WebSite","@id":"https:\/\/www.imoney.my\/articles\/#website","url":"https:\/\/www.imoney.my\/articles\/","name":"iMoney Malaysia","description":"Everything you need to know about improving your personal finances.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.imoney.my\/articles\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb","name":"iMoney Editorial","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g","caption":"iMoney Editorial"},"description":"iMoney Editorial Team is composed of 4 writers with wide-ranging interests and areas of expertise. Their primary responsibility is to write financial-related articles to share and educate Malaysians on how to save, make and grow their money.","sameAs":["http:\/\/www.imoney.my"],"url":"https:\/\/www.imoney.my\/articles\/author\/chinglee"}]}},"_links":{"self":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/2448","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/comments?post=2448"}],"version-history":[{"count":8,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/2448\/revisions"}],"predecessor-version":[{"id":15008,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/2448\/revisions\/15008"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media\/2735"}],"wp:attachment":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media?parent=2448"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/categories?post=2448"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/tags?post=2448"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}