{"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":"

<\/span>Perkara asas simpanan tetap<\/span><\/h2>\n

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>\n

Walaupun kelihatan menarik, simpanan tetap tidaklah sesuai untuk semua orang. Berikut adalah tiga kekurangan melabur dalam simpanan tetap:<\/p>\n

<\/span>Tiada fleksibiliti dalam mendapatkan akses terhadap dana anda<\/span><\/h2>\n

Oleh kerana wang anda terkunci di bank, selalunya berbulan-bulan (kadang-kadang bertahun), anda kehilangan fleksibiliti yang diberikan oleh akaun simpanan biasa.<\/p>\n

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

<\/span>Pulangan pelaburan agak rendah<\/span><\/h2>\n

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

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% – 3% = 0.5%).<\/p>\n

<\/span>Ia tidak mengghairahkan<\/span><\/h2>\n
Tak seperti pelaburan lain yang eksotik dan berrisiko, simpanan tetap adalah 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":"

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":"\n3 Kekurangan Pelaburan Simpanan Tetap<\/title>\n<meta name=\"description\" content=\"Walaupun kelihatan menarik, simpanan tetap tidaklah sesuai untuk semua orang. Berikut adalah tiga kekurangan melabur dalam simpanan tetap\" \/>\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\/3-kekurangan-pelaburan-simpanan-tetap-bm\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3 Kekurangan Pelaburan Simpanan Tetap\" \/>\n<meta property=\"og:description\" content=\"Walaupun kelihatan menarik, simpanan tetap tidaklah sesuai untuk semua orang. Berikut adalah tiga kekurangan melabur dalam simpanan tetap\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imoney.my\/articles\/3-kekurangan-pelaburan-simpanan-tetap-bm\" \/>\n<meta property=\"og:site_name\" content=\"iMoney Malaysia\" \/>\n<meta property=\"article:published_time\" content=\"2012-11-02T07:09:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-01-12T02:12:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/Man_thinking.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"580\" \/>\n\t<meta property=\"og:image:height\" content=\"360\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\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\/3-kekurangan-pelaburan-simpanan-tetap-bm\",\"url\":\"https:\/\/www.imoney.my\/articles\/3-kekurangan-pelaburan-simpanan-tetap-bm\",\"name\":\"3 Kekurangan Pelaburan Simpanan Tetap\",\"isPartOf\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/3-kekurangan-pelaburan-simpanan-tetap-bm#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/3-kekurangan-pelaburan-simpanan-tetap-bm#primaryimage\"},\"thumbnailUrl\":\"\/articles\/wp-content\/uploads\/Man_thinking.jpg\",\"datePublished\":\"2012-11-02T07:09:18+00:00\",\"dateModified\":\"2018-01-12T02:12:23+00:00\",\"author\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb\"},\"description\":\"Walaupun kelihatan menarik, simpanan tetap tidaklah sesuai untuk semua orang. Berikut adalah tiga kekurangan melabur dalam simpanan tetap\",\"breadcrumb\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/3-kekurangan-pelaburan-simpanan-tetap-bm#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.imoney.my\/articles\/3-kekurangan-pelaburan-simpanan-tetap-bm\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.imoney.my\/articles\/3-kekurangan-pelaburan-simpanan-tetap-bm#primaryimage\",\"url\":\"\/articles\/wp-content\/uploads\/Man_thinking.jpg\",\"contentUrl\":\"\/articles\/wp-content\/uploads\/Man_thinking.jpg\",\"width\":580,\"height\":360,\"caption\":\"mistake\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.imoney.my\/articles\/3-kekurangan-pelaburan-simpanan-tetap-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\":\"3 Kekurangan Pelaburan Simpanan Tetap\"}]},{\"@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\/4268d61be86ba47b656e314b503a5c2f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/4268d61be86ba47b656e314b503a5c2f?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":"3 Kekurangan Pelaburan Simpanan Tetap","description":"Walaupun kelihatan menarik, simpanan tetap tidaklah sesuai untuk semua orang. Berikut adalah tiga kekurangan melabur dalam simpanan tetap","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\/3-kekurangan-pelaburan-simpanan-tetap-bm","og_locale":"en_US","og_type":"article","og_title":"3 Kekurangan Pelaburan Simpanan Tetap","og_description":"Walaupun kelihatan menarik, simpanan tetap tidaklah sesuai untuk semua orang. Berikut adalah tiga kekurangan melabur dalam simpanan tetap","og_url":"https:\/\/www.imoney.my\/articles\/3-kekurangan-pelaburan-simpanan-tetap-bm","og_site_name":"iMoney Malaysia","article_published_time":"2012-11-02T07:09:18+00:00","article_modified_time":"2018-01-12T02:12:23+00:00","og_image":[{"width":580,"height":360,"url":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/Man_thinking.jpg","type":"image\/jpeg"}],"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\/3-kekurangan-pelaburan-simpanan-tetap-bm","url":"https:\/\/www.imoney.my\/articles\/3-kekurangan-pelaburan-simpanan-tetap-bm","name":"3 Kekurangan Pelaburan Simpanan Tetap","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/3-kekurangan-pelaburan-simpanan-tetap-bm#primaryimage"},"image":{"@id":"https:\/\/www.imoney.my\/articles\/3-kekurangan-pelaburan-simpanan-tetap-bm#primaryimage"},"thumbnailUrl":"\/articles\/wp-content\/uploads\/Man_thinking.jpg","datePublished":"2012-11-02T07:09:18+00:00","dateModified":"2018-01-12T02:12:23+00:00","author":{"@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb"},"description":"Walaupun kelihatan menarik, simpanan tetap tidaklah sesuai untuk semua orang. Berikut adalah tiga kekurangan melabur dalam simpanan tetap","breadcrumb":{"@id":"https:\/\/www.imoney.my\/articles\/3-kekurangan-pelaburan-simpanan-tetap-bm#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.imoney.my\/articles\/3-kekurangan-pelaburan-simpanan-tetap-bm"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/3-kekurangan-pelaburan-simpanan-tetap-bm#primaryimage","url":"\/articles\/wp-content\/uploads\/Man_thinking.jpg","contentUrl":"\/articles\/wp-content\/uploads\/Man_thinking.jpg","width":580,"height":360,"caption":"mistake"},{"@type":"BreadcrumbList","@id":"https:\/\/www.imoney.my\/articles\/3-kekurangan-pelaburan-simpanan-tetap-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":"3 Kekurangan Pelaburan Simpanan Tetap"}]},{"@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\/4268d61be86ba47b656e314b503a5c2f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/4268d61be86ba47b656e314b503a5c2f?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\/2450"}],"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=2450"}],"version-history":[{"count":9,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/2450\/revisions"}],"predecessor-version":[{"id":15585,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/2450\/revisions\/15585"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media\/8902"}],"wp:attachment":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media?parent=2450"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/categories?post=2450"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/tags?post=2450"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}