{"id":2979,"date":"2012-11-26T11:05:15","date_gmt":"2012-11-26T03:05:15","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=2979"},"modified":"2018-01-12T09:51:26","modified_gmt":"2018-01-12T01:51:26","slug":"akaun-simpanan-di-malaysia-perkara-asas-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/akaun-simpanan-di-malaysia-perkara-asas-bm","title":{"rendered":"Akaun Simpanan Di Malaysia \u2013 Perkara Asas"},"content":{"rendered":"<p>Anda bercadang nak kurangkan perbelanjaan dan simpan wang tunai anda? Membuka akaun simpanan boleh jadi satu cara. Ramai di antara kita yang ada akaun simpanan tapi masih tak berapa tahu mengenai ciri-cirinya. Berikut adalah satu gambaran keseluruhan akaun simpanan di Malaysia:<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Apakah-dia-akaun-simpanan\"><\/span>Apakah dia akaun simpanan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Akaun simpanan adalah sejenis akaun bank yang membolehkan anda menyimpan wang di satu tempat yang selamat di samping mendapat sedikit faedah darinya setiap bulan. Hampir kesemua bank di Malaysia menawarkan kemudahan ini.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Kelebihan-mempunyai-akaun-simpanan\"><\/span>Kelebihan mempunyai akaun simpanan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Adalah penting untuk mengetahui kelebihan mempunyai akaun simpanan. Berikut adalah senarai kelebihannya:<\/p>\n<ul>\n<li><strong>Pengurusan wang yang baik<\/strong>. Dengan akaun simpanan anda dapat mengurus wang dengan bijak. Tak seperti wang tunai, anda mudah nak kesan semua transaksi dan faedah yang terkumpul pada akaun simpanan melalui penyata bulanan.<\/li>\n<li><strong>Membantu semasa kecemasan<\/strong>. Pada waktu kecemasan (contohnya perbelanjaan perubatan), anda dapat guna wang dalam akaun simpanan anda untuk menampung kekurangan tunai di tangan.<\/li>\n<li><strong>Kemudahan harian<\/strong>. Selagi anda ada akaun simpanan, sesiapa saja boleh buat bayaran kepada anda dengan memasukkan wang terus ke dalam akaun anda. Akaun simpanan anda boleh diakses sepanjang masa, hakikatnya anda boleh keluarkan wang hampir di mana-mana saja, ini memberi kemudahan dalam hidup anda.<\/li>\n<li><strong>Keselamatan dijamin<\/strong>. Selagi bank anda dikawal dan berada di bawah Perbadanan Insurans Deposit Malaysia (PIDM), simpanan anda dilindungi dan insurankan tanpa caj sehingga RM100,000 bagi setiap akaun.<\/li>\n<li><strong>Mendapat faedah setiap bulan<\/strong>. Walaupun kadar faedah atas akaun simpanan pada umumnya sangat rendah, anda masih lagi memperolehi faedah bila masa berlalu. Berbanding dengan menyimpan wang di rumah yang tak berapa selamat dan tak dapat faedah langsung, ini merupakan alternatif yang lebih baik.<\/li>\n<\/ul>\n<p>Membuka akaun simpanan tak syak lagi adalah menguntungkan. Untuk mendapatkan maklumat yang lebih lanjut mengenai beberapa akaun simpanan yang terbaik di Malaysia, sila lihat <a href=\"\/ms\/akaun-simpanan\">jadual perbandingan akaun simpanan kami<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Anda bercadang nak kurangkan perbelanjaan dan simpan wang tunai anda? Membuka akaun simpanan boleh jadi satu cara. Ramai di antara kita yang ada akaun simpanan tapi masih tak berapa tahu mengenai ciri-cirinya. Berikut adalah satu gambaran keseluruhan akaun simpanan di Malaysia: Apakah dia akaun simpanan? Akaun simpanan adalah sejenis akaun bank yang membolehkan anda menyimpan&#8230; <a class=\"view-article\" href=\"https:\/\/www.imoney.my\/articles\/akaun-simpanan-di-malaysia-perkara-asas-bm\">View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8871,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[106,326],"tags":[279],"class_list":["post-2979","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-akaun-simpanan","category-artikel-terkini","tag-bm"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Akaun Simpanan Di Malaysia \u2013 Perkara Asas<\/title>\n<meta name=\"description\" content=\"Anda bercadang nak kurangkan perbelanjaan dan simpan wang tunai anda? 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