{"id":2450,"date":"2012-11-02T15:09:18","date_gmt":"2012-11-02T07:09:18","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=2450"},"modified":"2018-01-12T10:12:23","modified_gmt":"2018-01-12T02:12:23","slug":"3-kekurangan-pelaburan-simpanan-tetap-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/3-kekurangan-pelaburan-simpanan-tetap-bm","title":{"rendered":"3 Kekurangan Pelaburan Simpanan Tetap"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"Perkara-asas-simpanan-tetap\"><\/span>Perkara asas simpanan tetap<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Dalam istilah biasa, akaun simpanan tetap ialah satu pelaburan yang memberi anda kadar faedah yang lebih tinggi sebagai balasan anda mengunci simpanan anda selama tempoh yang ditetapkan. Tempoh yang ditetapkan berbeza dan bergantung kepada jangka masa yang anda pilih, kadar faedah yang anda perolehi juga berbeza.<\/p>\n<p><!--more--><\/p>\n<p>Walaupun kelihatan menarik, simpanan tetap tidaklah sesuai untuk semua orang. Berikut adalah tiga kekurangan melabur dalam simpanan tetap:<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tiada-fleksibiliti-dalam-mendapatkan-akses-terhadap-dana-anda\"><\/span>Tiada fleksibiliti dalam mendapatkan akses terhadap dana anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Oleh kerana wang anda terkunci di bank, selalunya berbulan-bulan (kadang-kadang bertahun), anda kehilangan fleksibiliti yang diberikan oleh akaun simpanan biasa.<\/p>\n<p>Jika anda keluarkan wang dari akaun simpanan tetap sebelum tarikh matang yang telah dipersetujui, anda akan dikenakan yuran penalti ataupun kadar faedah yang lebih rendah.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Pulangan-pelaburan-agak-rendah\"><\/span>Pulangan pelaburan agak rendah<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Simpanan tetap selalunya memberi kadar faedah yang lebih tinggi dari akaum simpanan biasa. Namun, oleh kerana simpanan tetap merupakan pelaburan berrisiko rendah, ia memberi pulangan yang agak rendah berbanding dengan opsyen pelaburan yang lain (seperti hartanah, saham, bon, dll)<\/p>\n<p>Biarpun simpanan tetap memberi anda perlindungan maksimum terhadap ketidaktentuan, ia tidaklah memberikan perlindungan yang baik terhadap inflasi. Contohnya, jika kadar faedah simpanan tetap anda ialah 3.5% dan kadar inflasi adalah 3%, maka nilai wang anda sebenarnya hanya meningkat sebanyak 0.5% (iaitu 3.5% &#8211; 3% = 0.5%).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ia-tidak-mengghairahkan\"><\/span>Ia tidak mengghairahkan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<address>Tak seperti pelaburan lain yang eksotik dan berrisiko, simpanan tetap adalah <em>selamat dan menjemukan<\/em> (walaupun ini bukanlah perkara yang buruk!). Setengah orang tak suka dapat tahu lebih awal berapa banyak keuntungan yang bakal diperolehi jika mereka mentaati tempoh pelaburan. Jika anda lebih gemar kepada penyertaan aktif, simpanan tetap bukanlah pelaburan yang sesuai untuk anda.<\/address>\n","protected":false},"excerpt":{"rendered":"<p>Perkara asas simpanan tetap Dalam istilah biasa, akaun simpanan tetap ialah satu pelaburan yang memberi anda kadar faedah yang lebih tinggi sebagai balasan anda mengunci simpanan anda selama tempoh yang ditetapkan. Tempoh yang ditetapkan berbeza dan bergantung kepada jangka masa yang anda pilih, kadar faedah yang anda perolehi juga berbeza.<\/p>\n","protected":false},"author":1,"featured_media":8902,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,102],"tags":[279],"class_list":["post-2450","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-simpanan-tetap","tag-bm"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3 Kekurangan Pelaburan Simpanan Tetap<\/title>\n<meta name=\"description\" content=\"Walaupun kelihatan menarik, simpanan tetap tidaklah sesuai untuk semua orang. 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