Asset VS Liability
Source: https://coachadib.com/module/6ac0bacc75e95d831aaaeabf
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[00:00:00.000 – 00:00:05.540] Future Investment Account. FIA. Asset VS Liability.

[00:00:05.860 – 00:00:08.820] Apa tujuan kita buat FIA ni? Future Investment.

[00:00:09.400 – 00:00:12.780] Simpan duit khas untuk modal ke depan.

[00:00:13.440 – 00:00:16.180] Modal ke depan ni bahasa yang lebih tepat ni adalah CAPEX.

[00:00:16.440 – 00:00:21.660] CAPEX adalah apa? CAPEX adalah Capital Expenditure.

[00:00:25.260 – 00:00:26.100] Expenditure.

[00:00:27.360 – 00:00:30.180] Dia adalah pembelanjaan aset.

[00:00:30.180 – 00:00:37.440] Dia adalah asset yang berbentuk long term

[00:00:37.440 – 00:00:39.540] Dia ada long term

[00:00:39.540 – 00:00:44.180] So, dia lama sikit yang akan menghasilkan ROI

[00:00:44.180 – 00:00:45.960] Return on Investment

[00:00:45.960 – 00:00:51.900] So, katakanlah saya beli duster, apa, komadam

[00:00:51.900 – 00:00:53.340] Asset juga, betul tak?

[00:00:53.720 – 00:00:54.880] Ada nilai, RM1, RM2

[00:00:54.880 – 00:00:56.180] Tapi adakah long term?

[00:00:56.300 – 00:00:56.920] Tak, short term

[00:00:56.920 – 00:00:59.580] So, ini bukan asset dalam bentuk capex

[00:00:59.580 – 00:01:01.820] Asset dalam bentuk capex, contoh saya beli ni

[00:01:03.000 – 00:01:03.560] Tablet ni

[00:01:04.240 – 00:01:05.380] So, iPad mini

[00:01:05.380 – 00:01:06.080] Saya beli

[00:01:06.080 – 00:01:06.620] Saya fikir

[00:01:06.620 – 00:01:07.580] Beter aku beli kot

[00:01:07.580 – 00:01:08.680] So, ini capex

[00:01:08.680 – 00:01:09.540] Sebab harga dia

[00:01:09.540 – 00:01:10.280] RM2,800

[00:01:10.280 – 00:01:11.220] RM2,000 apa-apa tah

[00:01:11.220 – 00:01:12.340] Saya beli

[00:01:12.340 – 00:01:13.160] Waktu tu saya macam

[00:01:13.160 – 00:01:13.820] Beli kot

[00:01:13.820 – 00:01:14.200] Beli je

[00:01:14.200 – 00:01:15.460] Hari tu juga saya beli

[00:01:16.100 – 00:01:16.920] Dan dia adalah

[00:01:16.920 – 00:01:17.720] Satu pembelian

[00:01:17.720 – 00:01:19.080] Yang bila saya fikir balik

[00:01:19.080 – 00:01:19.580] ROI dah

[00:01:19.580 – 00:01:20.740] Sebab saya tengok

[00:01:20.740 – 00:01:21.420] Okay, berapa banyak

[00:01:21.420 – 00:01:22.520] Sale aku dah buat dengan benda ni

[00:01:22.520 – 00:01:23.240] Oh, bagus-bagus

[00:01:23.240 – 00:01:24.940] So, kita ada ROI

[00:01:24.940 – 00:01:25.640] Dan long term

[00:01:25.640 – 00:01:26.820] Dan sampai sekarang masih pakai

[00:01:26.820 – 00:01:27.940] Apa maksud long term

[00:01:27.940 – 00:01:29.420] Biasanya lebih daripada 6 bulan

[00:01:30.060 – 00:01:30.940] Lebih 6 bulan

[00:01:30.940 – 00:01:32.120] kita boleh gunakan asset tu

[00:01:32.120 – 00:01:32.640] biasanya

[00:01:32.640 – 00:01:34.140] tapi kalau kita beli IA

[00:01:34.140 – 00:01:35.200] IA ni pun asset juga

[00:01:35.200 – 00:01:36.320] tapi dia habis lah hari ni

[00:01:36.320 – 00:01:37.140] bulan depan

[00:01:37.140 – 00:01:38.380] 3 bulan pun

[00:01:38.380 – 00:01:39.380] oh 3 bulan habis

[00:01:39.380 – 00:01:40.180] mungkin return dia

[00:01:40.180 – 00:01:40.860] short term sangat

[00:01:40.860 – 00:01:42.540] 6 bulan dan kat atas lah

[00:01:42.540 – 00:01:43.160] lebih kurang

[00:01:43.160 – 00:01:43.840] itu lah long term

[00:01:43.840 – 00:01:44.460] so

[00:01:45.420 – 00:01:46.420] duit FIA

[00:01:46.420 – 00:01:47.300] hanya keluar

[00:01:47.300 – 00:01:48.280] untuk pembelian

[00:01:48.280 – 00:01:49.180] yang menjadi asset

[00:01:49.180 – 00:01:50.440] awak kena tahu eh

[00:01:50.440 – 00:01:51.800] ada 2 jenis pembelian

[00:01:51.800 – 00:01:53.520] satu katalah kita

[00:01:53.520 – 00:01:54.540] purchase sesuatu

[00:01:56.870 – 00:01:57.810] boleh jadi

[00:01:57.810 – 00:01:59.130] purchase itu adalah

[00:01:59.930 – 00:02:00.490] liability

[00:02:02.910 – 00:02:03.930] boleh satu lagi

[00:02:03.930 – 00:02:04.410] Masuk

[00:02:05.490 – 00:02:06.570] Ngam-ngam

[00:02:06.570 – 00:02:07.970] Adalah asset

[00:02:09.220 – 00:02:10.520] Contoh

[00:02:10.520 – 00:02:11.680] Saya beli kereta

[00:02:17.790 – 00:02:18.890] Kereta

[00:02:18.890 – 00:02:19.910] Untuk siapa pakai

[00:02:19.910 – 00:02:21.530] Bos pakai

[00:02:22.330 – 00:02:23.750] Kereta ni boleh buat sale lah

[00:02:23.750 – 00:02:24.670] Tak buat sale

[00:02:24.670 – 00:02:26.130] Bos tak gunakan kereta ni

[00:02:26.130 – 00:02:26.650] Untuk buat sale

[00:02:26.650 – 00:02:28.190] Maka kereta ni jadi

[00:02:28.190 – 00:02:28.930] Liability

[00:02:28.930 – 00:02:29.750] Pada syarikat

[00:02:30.630 – 00:02:31.810] Jadi liability

[00:02:31.810 – 00:02:33.050] Tapi

[00:02:34.310 – 00:02:35.030] Katakanlah

[00:02:35.030 – 00:02:36.410] Kereta ni digunakan

[00:02:36.410 – 00:02:37.450] Untuk team sale

[00:02:37.450 – 00:02:38.210] Pergi buat sale

[00:02:38.210 – 00:02:39.430] Digunakan

[00:02:39.430 – 00:02:40.170] Disewakan

[00:02:40.170 – 00:02:40.990] Kereta

[00:02:40.990 – 00:02:42.190] Ataupun kalau kereta ni

[00:02:42.190 – 00:02:43.570] Adalah Alphard

[00:02:43.570 – 00:02:44.990] Yang boleh bawa stok banyak

[00:02:44.990 – 00:02:45.530] Ush

[00:02:45.530 – 00:02:47.070] Maka kereta ni

[00:02:47.070 – 00:02:48.450] Bolehkan menjadi asset

[00:02:48.450 – 00:02:50.150] Benda yang sama je

[00:02:51.670 – 00:02:52.950] Diikut penggunaan

[00:02:52.950 – 00:02:53.770] Ikut tujuan

[00:02:53.770 – 00:02:54.970] Niat

[00:02:54.970 – 00:02:55.810] Ikut niat kita

[00:02:55.810 – 00:02:57.270] Kalau niat kita nak buat benda tu

[00:02:57.270 – 00:02:57.610] Katalah

[00:02:57.610 – 00:02:59.070] Kita ambil satu ofis

[00:02:59.070 – 00:03:00.910] Kita beli satu ofis tu

[00:03:00.910 – 00:03:02.670] Apa function beli ofis tu?

[00:03:02.830 – 00:03:03.210] Saja

[00:03:04.670 – 00:03:06.890] So ofis tu memang dalam bentuk asset

[00:03:06.890 – 00:03:08.450] Tapi kalau katalah

[00:03:08.450 – 00:03:10.510] Ofis tu nak maintain dia mahal

[00:03:10.510 – 00:03:12.550] nak ni, dia pun akan menjadi liability, walaupun

[00:03:12.550 – 00:03:14.390] dia dalam bentuk asset, tak entah dekat

[00:03:14.390 – 00:03:16.590] kawasan tu dah tak laku, lepas tu market value

[00:03:16.590 – 00:03:18.670] dah drop, nak maintain pun mahal

[00:03:18.670 – 00:03:19.970] tapi katakanlah

[00:03:20.470 – 00:03:22.590] kita sebab tu kata rumah kan, kalau awak ingat rumah

[00:03:22.590 – 00:03:24.530] rumah yang duduk sendiri liability

[00:03:24.530 – 00:03:26.310] rumah yang di invest adalah asset

[00:03:27.070 – 00:03:28.430] itu pun satu

[00:03:28.430 – 00:03:30.250] benda yang kita kena fikir juga

[00:03:30.250 – 00:03:32.270] awak duduk sendiri, oh duduk sendiri

[00:03:32.270 – 00:03:33.810] duduk sendiri jadi liability

[00:03:34.390 – 00:03:36.370] sebab awak tak ada ROI

[00:03:36.370 – 00:03:38.330] daripada duduk sendiri, tapi

[00:03:38.330 – 00:03:40.090] kalau awak sewakan pada orang lain

[00:03:40.090 – 00:03:42.890] Ataupun awak jadikan rumah tu rumah investment ABNB ke

[00:03:43.450 – 00:03:44.990] Dia akan jadi asset

[00:03:46.570 – 00:03:48.650] Sebab rumah tu akan menambah value

[00:03:48.650 – 00:03:50.010] Kalau duduk jadi liability

[00:03:50.010 – 00:03:51.830] So orang kaya lah sekali

[00:03:51.830 – 00:03:53.230] Dia duduk rumah yang

[00:03:53.230 – 00:03:55.330] Rumah yang dia duduk tu pun dia sewa juga

[00:03:55.330 – 00:03:57.110] Katalah dia ada 5 rumah

[00:03:57.110 – 00:03:57.790] Lah last

[00:03:57.790 – 00:04:00.030] Semua rumah dia dia sewa sewa sewa sewa

[00:04:00.730 – 00:04:01.990] Rumah dia sendiri rumah yang ke 6

[00:04:04.050 – 00:04:05.450] Sorry rumah ada 5

[00:04:05.990 – 00:04:09.330] Rumah dia ada 5

[00:04:11.610 – 00:04:13.270] Yang ni dia beli

[00:04:13.270 – 00:04:14.690] Tapi dia sewakan

[00:04:16.050 – 00:04:17.030] Dia beli

[00:04:17.590 – 00:04:18.790] Dia sewakan balik

[00:04:20.800 – 00:04:21.680] Ni samalah

[00:04:23.380 – 00:04:24.740] Tapi rumah yang ke enam

[00:04:24.740 – 00:04:25.960] Yang ni dia duduk sendiri

[00:04:28.590 – 00:04:30.110] Tapi dia tak beli

[00:04:31.430 – 00:04:32.970] Dia sewa dengan orang lain

[00:04:34.270 – 00:04:35.790] Sebab mungkin dia ni bisa sauna

[00:04:36.670 – 00:04:37.750] Sewa dengan orang lain

[00:04:37.750 – 00:04:38.990] Dan dia pun malah nak terikat

[00:04:39.770 – 00:04:42.110] Dan dia nak merasa je rumah yang harga

[00:04:42.110 – 00:04:44.530] mungkin 15,000 sebulan, 25,000 sebulan

[00:04:44.530 – 00:04:46.270] so dia tak nak beli rumah tu

[00:04:46.270 – 00:04:47.790] dia tahu rumah tu akan jadi liability

[00:04:47.790 – 00:04:50.330] rumah yang mahal sangat ni guys, harga 2 juta

[00:04:50.330 – 00:04:52.170] 3 juta, 10 juta, dia

[00:04:52.170 – 00:04:54.310] susah nak dicairkan, kalau nak

[00:04:54.310 – 00:04:56.190] buat rumah investment, kita akan beli rumah yang harga

[00:04:56.190 – 00:04:58.210] dia senang, kita panggil market dia

[00:04:58.210 – 00:05:00.310] laju, panas, rumah 500k

[00:05:01.650 – 00:05:02.530] rumah 300k

[00:05:04.410 – 00:05:06.190] even rumah harga 900k pun

[00:05:06.190 – 00:05:08.510] mungkin susah nak jual lah, so that's why

[00:05:08.510 – 00:05:10.430] oh saya tak nak lah beli rumah

[00:05:10.430 – 00:05:11.530] Yang murah-murah ni tuan

[00:05:11.530 – 00:05:12.270] Saya tak duduk

[00:05:12.270 – 00:05:13.370] Eh, siapa suruh duduk

[00:05:13.370 – 00:05:14.530] Rumah ni untuk investment

[00:05:14.530 – 00:05:15.930] Haa, nak beza dah mindset dia

[00:05:15.930 – 00:05:17.770] Sebab tu rumah yang duduk sendiri

[00:05:17.770 – 00:05:18.270] Ni lah, lah

[00:05:18.270 – 00:05:19.430] Kadang-kadang kita sewa je orang lain

[00:05:19.430 – 00:05:20.850] Sebab nak beli tu macam tak masuk akal

[00:05:20.850 – 00:05:22.930] Takkan aku nak beli rumah harga 5 juta ni

[00:05:22.930 – 00:05:24.510] Ulang-bulan bayar monthly installment

[00:05:24.510 – 00:05:25.670] Dengan bank pun dah dekat apa

[00:05:25.670 – 00:05:26.390] 30,000

[00:05:26.390 – 00:05:27.810] 25,000

[00:05:27.810 – 00:05:28.530] Contohnya kan

[00:05:29.810 – 00:05:31.130] Rumah harga 2 juta

[00:05:31.130 – 00:05:31.830] 12,000

[00:05:31.830 – 00:05:32.530] Ya

[00:05:32.530 – 00:05:34.110] Kalau rumah harga 4 juta

[00:05:34.110 – 00:05:34.870] Dah 24,000

[00:05:35.410 – 00:05:37.130] So, dan kawan nak merasa je kawasan tu

[00:05:37.130 – 00:05:38.850] So, itulah beza dia

[00:05:38.850 – 00:05:41.330] Antara aset dengan liabiliti

[00:05:41.330 – 00:05:43.690] Pembelian yang mendatangkan keuntungan long term

[00:05:43.690 – 00:05:44.710] Akan menjadi aset

[00:05:44.710 – 00:05:47.210] Yang mendatangkan mudarat kekurangan long term

[00:05:47.210 – 00:05:48.130] Akan menjadi liabiliti

[00:05:48.130 – 00:05:51.850] So, barang pelaburan yang diberi nilai jangka panjang

[00:05:51.850 – 00:05:53.110] Boleh bagi jana pulangan

[00:05:53.110 – 00:05:53.650] Betul lah tu

[00:05:53.650 – 00:05:56.430] Mesin kenderaan syarikat, hartanah pejabat

[00:05:56.430 – 00:05:57.010] Ini semua

[00:05:57.010 – 00:06:00.570] Ini adalah kebiasaannya menjadi aset kenderaan syarikat

[00:06:00.570 – 00:06:02.150] Tapi kalau kenderaan tu bos pakai

[00:06:02.150 – 00:06:02.950] Tak buat duit

[00:06:02.950 – 00:06:03.950] Jadi liabiliti juga

[00:06:03.950 – 00:06:05.090] Walaupun kenderaan syarikat

[00:06:05.090 – 00:06:07.810] Yes, guna untuk beli aset capex

[00:06:07.810 – 00:06:09.150] Tapi liability

[00:06:09.150 – 00:06:11.090] Hutang tanggungan yang perlu dia bayar semula

[00:06:11.090 – 00:06:11.950] Bukan milik syarikat

[00:06:11.950 – 00:06:12.930] Contoh pinjaman bank

[00:06:13.590 – 00:06:14.110] Supplier

[00:06:14.110 – 00:06:14.830] Overdraft

[00:06:14.830 – 00:06:16.090] Benda-benda bil tertunggak

[00:06:16.090 – 00:06:17.170] Ni adalah liability

[00:06:17.170 – 00:06:18.810] So kita tak gunalah

[00:06:18.810 – 00:06:19.810] Benda-benda liability ni

[00:06:19.810 – 00:06:21.670] Nak beli benda-benda yang tak mendatangkan profit ni

[00:06:21.670 – 00:06:21.930] Buat apa

[00:06:22.710 – 00:06:24.250] Contohnya kita beli mesin printing

[00:06:24.250 – 00:06:25.510] Dalam harga 200k

[00:06:25.510 – 00:06:26.470] Kita guna asset

[00:06:26.470 – 00:06:27.750] Mesin printing

[00:06:27.750 – 00:06:28.150] Betul lah

[00:06:28.150 – 00:06:29.090] Dia boleh mendatangkan jual

[00:06:29.990 – 00:06:31.070] Bayar hutang bank

[00:06:31.070 – 00:06:32.370] Ni tak boleh lah

[00:06:32.370 – 00:06:32.990] Pakai account ni

[00:06:32.990 – 00:06:34.990] Bayar hutang bank ni tak boleh guna

[00:06:34.990 – 00:06:37.150] Bayar hutang bank ni kena guna

[00:06:37.150 – 00:06:38.230] Operating account

[00:06:38.230 – 00:06:39.150] Kan kita ada 5 account

[00:06:39.150 – 00:06:40.550] Guna account yang atas sekali

[00:06:41.450 – 00:06:42.610] FIA ni adalah

[00:06:42.610 – 00:06:44.410] Kita lah saya buat dia menegak je ni

[00:06:44.950 – 00:06:46.410] FIA ni adalah account yang ke mana

[00:06:46.410 – 00:06:46.990] Awak ingat tak ni

[00:06:46.990 – 00:06:48.210] Account yang keempat

[00:06:49.050 – 00:06:49.950] Sini FIA

[00:06:51.070 – 00:06:52.810] Duit tu mengalir daripada atas ke bawah

[00:06:52.810 – 00:06:54.310] Yang ni operating

[00:06:55.330 – 00:06:55.810] Tax

[00:06:56.350 – 00:06:57.190] Cuba hafal

[00:06:57.190 – 00:06:57.870] 5

[00:06:58.670 – 00:06:59.550] Dengan dividend

[00:07:00.710 – 00:07:01.890] So FIA ni

[00:07:01.890 – 00:07:02.510] Duit kat sini

[00:07:02.510 – 00:07:03.850] Kalau loan apa semua

[00:07:03.850 – 00:07:05.350] Itu adalah operating account

[00:07:05.350 – 00:07:06.910] Sebab loan ni kita guna

[00:07:06.910 – 00:07:08.690] untuk tanggung operasi

[00:07:08.690 – 00:07:09.830] tanggung apa-apa

[00:07:09.830 – 00:07:10.970] kecuali

[00:07:10.970 – 00:07:12.230] ada kecualilah

[00:07:12.230 – 00:07:13.630] kecuali kita memang

[00:07:13.630 – 00:07:14.730] nak beli something

[00:07:14.730 – 00:07:15.330] yang besar

[00:07:15.330 – 00:07:16.950] mungkin kita terpaksa

[00:07:16.950 – 00:07:17.910] gunakan account FIA

[00:07:17.910 – 00:07:19.050] sebab kita beli kereta

[00:07:19.730 – 00:07:21.130] kita beli kereta

[00:07:22.010 – 00:07:23.290] dan dibayar

[00:07:23.290 – 00:07:24.310] melalui account FIA

[00:07:24.310 – 00:07:25.190] so kereta tu

[00:07:25.190 – 00:07:26.490] ataupun kita beli

[00:07:26.490 – 00:07:26.990] mesin lah

[00:07:26.990 – 00:07:28.050] mesin tu kita guna

[00:07:28.050 – 00:07:29.890] guna account FIA

[00:07:29.890 – 00:07:31.250] tapi kalau loan-loan

[00:07:31.250 – 00:07:32.350] yang tak mendatangkan profit

[00:07:32.350 – 00:07:33.410] katalah loan tu adalah

[00:07:33.410 – 00:07:33.970] loan-loan

[00:07:33.970 – 00:07:35.590] kita nak top up duit

[00:07:35.590 – 00:07:37.030] working capital sahaja

[00:07:37.650 – 00:07:38.270] 100k

[00:07:38.270 – 00:07:39.690] kita nak tambah duit

[00:07:39.690 – 00:07:40.030] untuk

[00:07:40.030 – 00:07:41.050] company berjalan

[00:07:41.050 – 00:07:41.570] setiap bulan

[00:07:41.570 – 00:07:42.650] yang tu kita akan

[00:07:42.650 – 00:07:43.530] pakai account lain lah

[00:07:43.530 – 00:07:44.110] operating account

[00:07:44.110 – 00:07:44.490] akan bayar

[00:07:45.150 – 00:07:45.770] dan

[00:07:45.770 – 00:07:47.170] langgan canva

[00:07:47.170 – 00:07:48.010] contoh

[00:07:48.010 – 00:07:48.650] ni tak boleh lah

[00:07:48.650 – 00:07:49.530] ni confirm operating account

[00:07:49.530 – 00:07:49.690] ok

[00:07:49.690 – 00:07:50.530] so what dah clear

[00:07:50.530 – 00:07:51.770] asset versus liability

[00:07:51.770 – 00:07:52.770] tujuan FIA

[00:07:52.770 – 00:07:53.370] untuk adalah

[00:07:53.370 – 00:07:54.430] benda-benda yang memang

[00:07:54.430 – 00:07:55.670] mendatangkan profit

[00:07:55.670 – 00:07:57.050] secara long term

[00:07:57.050 – 00:07:58.130] kena ingat ayat tu

[00:07:58.130 – 00:07:59.050] bukannya short term

[00:07:59.050 – 00:08:00.070] short term

[00:08:00.070 – 00:08:01.170] kita tak consider

[00:08:01.170 – 00:08:02.190] sebagai asset

[00:08:02.190 – 00:08:03.610] kita consider sebagai

[00:08:04.410 – 00:08:05.490] macam barang-barang

[00:08:05.490 – 00:08:07.430] lah, barang-barang biasa je lah, operating punya

[00:08:07.430 – 00:08:08.870] expenses untuk monthly

[00:08:08.870 – 00:08:10.710] ok, jumpa dalam video yang seterusnya

[00:08:10.710 – 00:08:11.470] Zas