{"id":3015,"date":"2012-10-21T12:53:57","date_gmt":"2012-10-21T04:53:57","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=3015"},"modified":"2018-01-12T10:03:31","modified_gmt":"2018-01-12T02:03:31","slug":"apakah-peruntukan-aset-kenapa-ia-penting-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/apakah-peruntukan-aset-kenapa-ia-penting-bm","title":{"rendered":"Apakah Peruntukan Aset? Kenapa Ia Penting?"},"content":{"rendered":"<p>Mempunyai peruntukan aset yang sewajarnya adalah perkara yang penting dalam sesuatu portfolio pelaburan. Kajian menunjukkan bahawa peruntukan aset yang baik ialah kunci kejayaan portfolio pelaburan dalam jangka masa panjang.<\/p>\n<h3>Apakah peruntukan aset?<\/h3>\n<p>Pada asasnya, peruntukan aset ialah bagaimana anda membahagikan pelbagai kelas aset yang berbeza (contohnya tunai, bon, hartanah dan saham). Pelabur yang lebih berumur akan membuat peruntukan yang lebih rendah terhadap aset berrisiko tinggi seperti saham, manakala pelabur yang lebih muda mungkin lebih gemar membuat peruntukan yang lebih tinggi dalam aset seperti itu.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Kenapa-ia-penting\"><\/span>Kenapa ia penting?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Oleh kerana kelas aset yang berbeza memberi tindak balas yang berbeza terhadap perubahan dalam pasaran dan ekonomi, maka mempunyai peruntukan aet yang wajar dapat membantu anda menangani naik turun pasaran kewangan.<\/p>\n<p>Umpamanya, satu portfolio pelaburan (contohnya Portfolio A) yang mempunyai peruntukan tunai yang lebih tinggi (contohnya 80%) dari peruntukan saham (contohnya 20%) akan menunjukkan prestasi yang lebih baik dalam pasaran yang lemah berbanding dengan portfolio yang mempunyai peruntukan saham yang lebih tinggi. Portfolio A yang sama akan menunjukkan prestasi yang kurang baik berbanding dengan portfolio lain yang mempunyai 100% saham semasa dagangan cergas (atau keadaan pasaran yang bagus).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana-nak-tentukan-peruntukan-aset-yang-sesuai-bagi-anda\"><\/span>Bagaimana nak tentukan peruntukan aset yang sesuai bagi anda?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Tiada jawapan yang betul atau salah kerana peruntukan aset yang sesuai bagi anda bergantung kepada beberapa perkara termasuklah:<\/p>\n<ul>\n<li>Sikap anda terhadap risiko \/ ketidaktentuan \u2013 berapa besar kerugian jangka pendek yang anda boleh tanggung?<\/li>\n<li>Lingkungan masa pelaburan anda \u2013 berapa lama anda boleh peruntukkan wang tersebut untuk pelaburan?<\/li>\n<li>Keadaan individu anda \u2013 berapa banyak komitmen kewangan yang anda ada?<\/li>\n<\/ul>\n<p>Sebagai panduan, lebih rendah toleransi anda terhadap risiko dan lebih pendek masa pelaburan, lebih kecil sepatutnya peruntukan anda kepada aset berrisiko seperti saham dan hartanah.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana-umur-memainkan-peranan\"><\/span>Bagaimana umur memainkan peranan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bila anda meningkat umur, adalah penting peruntukan aset dilaras untuk mencerminkan perubahan keadaan. Jika anda terus melabur seperti 10 atau 15 tahun sebelumnya, anda mungkin menanggung risiko yang tidak sepatutnya.<\/p>\n<p>Pada umumnya, peruntukan aset anda patut berubah secara beransur-ansur menjadi lebih konservatif dengan meningkatnya umur anda, dengan membuat peruntukan yang lebih besar dalam aset selamat (seperti tunai dan bon), dan mengurangkan aset berrisiko tinggi (seperti saham). Apabila anda mencapai umur pencen, adalah penting mempunyai aset yang menjana pendapatan dalam portfolio anda (contohnya tunai, bon dan hartanah) untuk mengimbangi kehilangan pendapatan.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Beberapa-contoh-portfolio-pelaburan\"><\/span>Beberapa contoh portfolio pelaburan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"\/articles\/wp-content\/uploads\/2012\/12\/Examples-Of-Asset-Allocation-bm.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1638\" title=\"Examples Of Asset Allocation\" alt=\"\" src=\"\/articles\/wp-content\/uploads\/2012\/12\/Examples-Of-Asset-Allocation-bm.png\" width=\"595\" height=\"264\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mempunyai peruntukan aset yang sewajarnya adalah perkara yang penting dalam sesuatu portfolio pelaburan. Kajian menunjukkan bahawa peruntukan aset yang baik ialah kunci kejayaan portfolio pelaburan dalam jangka masa panjang. Apakah peruntukan aset? Pada asasnya, peruntukan aset ialah bagaimana anda membahagikan pelbagai kelas aset yang berbeza (contohnya tunai, bon, hartanah dan saham). Pelabur yang lebih berumur&#8230; <a class=\"view-article\" href=\"https:\/\/www.imoney.my\/articles\/apakah-peruntukan-aset-kenapa-ia-penting-bm\">View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":3017,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,107],"tags":[279],"class_list":["post-3015","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pelaburan","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>Apakah Peruntukan Aset? Kenapa Ia Penting?<\/title>\n<meta name=\"description\" content=\"Kajian menunjukkan bahawa peruntukan aset yang baik ialah kunci kejayaan portfolio pelaburan dalam jangka masa panjang.\" \/>\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\/apakah-peruntukan-aset-kenapa-ia-penting-bm\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Apakah Peruntukan Aset? 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