Motivasi, Pendidikan, Perniagaan, Kewangan Peribadi

BAYAR HUTANG ATAU LABUR, MANA DULU?

Image result for invest or pay debt

Salam pembaca sekalian,

Bayar hutang dulu atau buat pelaburan dulu? Mana satu yang perlu diberi keutamaan?

Ini adalah soalan yang sangat baik dan soalan ini datangnya daripada mereka yang ada duit lebih.

Yalah kan kalau tak ada duit mana mungkin kita boleh terlintas bertanyakan soalan sebegini.

Ini soalan orang ada duit lebih, katakan anda ada RM10 ribu sekarang, dengan duit tersebut anda mungkin boleh bayar dan langsaikan hutang:

  • personal loan
  • ptptn
  • kahwin
  • kad kredit

Duit RM10 ribu tersebut juga boleh dilaburkan dalam:

  • Emas
  • Saham
  • ASB
  • Modal bisnes

Jadi jika sekiranya kita buat bayar hutang maka kita akan kehilangan peluang untuk buat keuntungan hasil daripada duit yang kita miliki. Namun apabila melabur satu perkara yang harus diambil kira adalah risiko kerugian.

Jika kita buat melabur dan mengalami kerugian kita kehilangan kedua-duanya sekali.  Bak kata pepatah, “Yang Dikejar Tak Dapat Yang Dikendong Berciciran”. Hutang tak langsai, melabur tak untung bahkan rugi pulak tu!

Namun jika kita melabur di tempat yang terjamin modal dan bebas risiko seperti Tabung Haji dan ASB  mungkin kita boleh buat perbandingan seperti berikut.

Sekiranya faedah hutang itu lebih besar daripada pulangan pelaburan yang kita buat, adalah lebih baik kita bayar hutang dahulu. Namun jika pelaburan yang dibuat itu mampu memberikan pulangan yang lebih besar daripada fedah hutang yang dikenakan, maka bolehlah kita pertimbangkan untuk melabur terlebih dulu.

Sebagai contoh, pulangaan pelaburan ASB boleh berika pulangan 7% setahun, manakala hutang kad kredit dikenakan faedah 18% setahun. Manakah yang perlu kita dahulukan. Melabur atau bayar hutang?

Jawapan yang terbaik adalah dengan membayar hutang terlebih dahulu. Ini kerana dengan membaar hutang kita dah dapat menjimatkan duit kita sebanyak 18% setahun bebanding kita melabur hanya dapat pulangan 7% setahun.

So, macamana sekarang? Dah dapat idea mana dulu yang diutamakan? Nak Labur atau bayar hutang dahulu? Saya harapa ianya dapat pembaca sekalian untuk mengurus wang dengan lebih baik.

Nak tahu lebih lanjut tentang pengurusan wang? Boleh klik banner di bawah…

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