{"id":43722,"date":"2020-05-27T17:55:01","date_gmt":"2020-05-27T09:55:01","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=43722"},"modified":"2020-05-27T17:55:01","modified_gmt":"2020-05-27T09:55:01","slug":"4-cara-bijak-untuk-menguruskan-duit-raya-anak-anda","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/4-cara-bijak-untuk-menguruskan-duit-raya-anak-anda","title":{"rendered":"4 Cara Bijak Untuk Menguruskan Duit Raya Anak Anda"},"content":{"rendered":"

Banyak duit raya yang anak-anak anda terima? Ha… jangan anda guna pula duit itu! Hukum menggunakan duit raya anak adalah sama macam meminjam hutang<\/strong>, tahu?<\/p>\n

Lebih baik anda simpan<\/strong> semua duit raya anak itu untuk keperluan akan datang. Betul tak? Nanti, bolehlah mereka menggunakan duit ini untuk sambung belajar ke, melangsungkan perkahwinan ke.<\/p>\n

Tapi nak simpan di mana?<\/p>\n

Jangan risau ibu bapa semua! Hari ini kami akan mengajar anda 4 cara bijak<\/strong> bagaimana anda boleh menguruskan duit raya anak-anak anda.<\/p>\n

Lepas ini, tak payah serabut lagi!<\/p>\n

<\/span>4 Cara Bijak Menguruskan Duit Raya Anak<\/strong><\/span><\/h2>\n

Pertama sekali – anda perlu…<\/p>\n

<\/span>1. Asingkan duit tersebut<\/strong><\/span><\/h3>\n

Ha… pastikan anda telah asingkan<\/strong> setiap duit raya anak-anak anda siap-siap. Jangan tercampur pula! Biasanya, ibu bapa akan memastikan setiap anak mendapat jumlah duit raya yang sama.<\/p>\n

<\/span>2. Simpan dalam bank\/ tabung khas pelaburan<\/strong><\/span><\/h3>\n

Selepas habis raya, cepat-cepat pergi simpan<\/strong> duit raya anak tersebut dalam bank atau tabung khas pelaburan<\/strong> agar anda tak “terguna”. Kalau terguna, anda kena bayar balik, okay.<\/p>\n

Ada banyak tabung khas pelaburan yang bermanfaat untuk membuat penyimpanan. Antaranya adalah Tabung Haji<\/strong>. Tahun lepas, Tabung Haji telah mengagihkan dividen sebanyak 4.25%<\/strong>!<\/p>\n

Untuk membuka akaun Tabung Haji, anda hanya memerlukan RM2 saja. Jom simpan duit raya anak dalam tabung khas ini.<\/p>\n

Apa yang anda perlukan<\/strong>: Sijil lahir anak dan sijil nikah anda.<\/p>\n

<\/span>3. Akaun ASB Remaja<\/strong><\/span><\/h3>\n

Siapa tak kenal dengan Amanah Saham Bumiputera<\/strong> (ASB)? Semua orang tahu kebaikan tabung simpanan ini. Sekarang, dividen yang diagihkan adalah sebanyak 6.75%<\/strong> bersama bonus sebanyak 0.50%<\/strong>!<\/p>\n

Tunggu apa lagi? Permodalan Nasional Berhad (PNB) juga telah memperkenalkan skim amanah saham terbaru – iaitu untuk bayi berusia 6 bulan ke atas. Jadi, anda boleh senang-senang buka akaun ASB<\/strong> untuk anak anda dan simpan semua duit rayanya!<\/p>\n

Apa yang anda perlukan<\/strong>: Borang pendaftaran unit Amanah, kad pengenalan\/sijil lahir anak, dan kad pengenalan penjaga<\/p>\n

<\/span>4. Akaun SSPN-i<\/strong><\/span><\/h3>\n

Skim Simpanan Pendidikan Nasional<\/strong> atau SSPN-i adalah sebuah gabungan tabung pendidikan dengan takaful<\/strong>. Ia amat sesuai untuk dijadikan tabung pendidikan untuk anak-anak anda.<\/p>\n

Lagipun, sekarang jika ingin meminjam Pinjaman Pendidikan PTPTN, anda kena ada akaun SSPN-i. Lebih baik buka siap-siap kan? Satu lagi yang menyenangkan – akaun ini boleh dibuka menerusi online<\/em><\/a> saja! Tak payah pergi beratur panjang-panjang di kaunter.<\/p>\n

Pendeposit SSPN-i akan menerima manfaat kesihatan<\/strong> dan pengecualian cukai simpanan bersih<\/strong> sehingga RM6,000 setahun! Jadi, apa tunggu lagi?<\/p>\n

Haa… macam mana? Sekarang anda sudah tahu bagaimana ingin menguruskan duit raya anak-anak itu kan? Janganlah segan untuk menyimpan. Dengan ekonomi sekarang, lebih baik anda sediakan payung sebelum hujan.<\/p>\n

Jangan dek kerana tekanan ekonomi, anak-anak anda tak berpeluang untuk mengecapi impian mereka kelak. Simpan duit raya ini untuk kegunaan pada masa akan datang, okay?<\/p>\n

Selamat mencuba semua ibu bapa!<\/p>\n

Artikel ini diterbitkan untuk kali pertama di theAsianparent<\/a>.<\/em> <\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

Selamat mencuba semua ibu bapa!<\/p>\n","protected":false},"author":41,"featured_media":43725,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,221],"tags":[279],"class_list":["post-43722","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-pengurusan-wang","tag-bm"],"acf":[],"yoast_head":"\n4 Cara Bijak Untuk Menguruskan Duit Raya Anak Anda<\/title>\n<meta name=\"description\" content=\"Jangan risau ibu bapa semua! 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