Asset VS Liability Draf transkrip automatik penuh. Pembetulan istilah berdasarkan sumber direkodkan secara berasingan; tanda semakan menunjukkan perkataan yang perlu diperiksa. [00:00:00–00:00:05] Future Investment Account. FIA. Asset VS Liability. [semak: uncertain words] [00:00:05–00:00:08] Apa tujuan kita buat FIA ni? Future Investment. [semak: uncertain words] [00:00:09–00:00:12] Simpan duit khas untuk modal ke depan. [00:00:13–00:00:16] Modal ke depan ni bahasa yang lebih tepat ni adalah CAPEX. [semak: uncertain words] [00:00:16–00:00:21] CAPEX adalah apa? CAPEX adalah Capital Expenditure. [semak: uncertain words] [00:00:25–00:00:26] Expenditure. [00:00:27–00:00:30] Dia adalah pembelanjaan aset. [semak: uncertain words] [00:00:30–00:00:37] Dia adalah asset yang berbentuk long term [semak: uncertain words] [00:00:37–00:00:39] Dia ada long term [semak: uncertain words] [00:00:39–00:00:44] So, dia lama sikit yang akan menghasilkan ROI [semak: uncertain words] [00:00:44–00:00:45] Return on Investment [00:00:45–00:00:51] So, katakanlah saya beli duster, apa, komadam [semak: uncertain words] [00:00:51–00:00:53] Asset juga, betul tak? [00:00:53–00:00:54] Ada nilai, RM1, RM2 [semak: number or amount] [00:00:54–00:00:56] Tapi adakah long term? [00:00:56–00:00:56] Tak, short term [00:00:56–00:00:59] So, ini bukan asset dalam bentuk capex [00:00:59–00:01:01] Asset dalam bentuk capex, contoh saya beli ni [00:01:03–00:01:03] Tablet ni [00:01:04–00:01:05] So, iPad mini [00:01:05–00:01:06] Saya beli [00:01:06–00:01:06] Saya fikir [00:01:06–00:01:07] Beter aku beli kot [semak: uncertain words] [00:01:07–00:01:08] So, ini capex [00:01:08–00:01:09] Sebab harga dia [00:01:09–00:01:10] RM2,800 [semak: number or amount] [00:01:10–00:01:11] RM2,000 apa-apa tah [semak: uncertain words, number or amount] [00:01:11–00:01:12] Saya beli [00:01:12–00:01:13] Waktu tu saya macam [00:01:13–00:01:13] Beli kot [00:01:13–00:01:14] Beli je [00:01:14–00:01:15] Hari tu juga saya beli [semak: uncertain words] [00:01:16–00:01:16] Dan dia adalah [00:01:16–00:01:17] Satu pembelian [00:01:17–00:01:19] Yang bila saya fikir balik [00:01:19–00:01:19] ROI dah [00:01:19–00:01:20] Sebab saya tengok [00:01:20–00:01:21] Okay, berapa banyak [semak: uncertain words] [00:01:21–00:01:22] Sale aku dah buat dengan benda ni [00:01:22–00:01:23] Oh, bagus-bagus [00:01:23–00:01:24] So, kita ada ROI [00:01:24–00:01:25] Dan long term [00:01:25–00:01:26] Dan sampai sekarang masih pakai [00:01:26–00:01:27] Apa maksud long term [00:01:27–00:01:29] Biasanya lebih daripada 6 bulan [semak: number or amount] [00:01:30–00:01:30] Lebih 6 bulan [semak: number or amount] [00:01:30–00:01:32] kita boleh gunakan asset tu [00:01:32–00:01:32] biasanya [00:01:32–00:01:34] tapi kalau kita beli IA [semak: uncertain words] [00:01:34–00:01:35] IA ni pun asset juga [00:01:35–00:01:36] tapi dia habis lah hari ni [00:01:36–00:01:37] bulan depan [00:01:37–00:01:38] 3 bulan pun [semak: number or amount] [00:01:38–00:01:39] oh 3 bulan habis [semak: number or amount] [00:01:39–00:01:40] mungkin return dia [00:01:40–00:01:40] short term sangat [00:01:40–00:01:42] 6 bulan dan kat atas lah [semak: uncertain words, number or amount] [00:01:42–00:01:43] lebih kurang [00:01:43–00:01:43] itu lah long term [semak: uncertain words] [00:01:43–00:01:44] so [00:01:45–00:01:46] duit FIA [00:01:46–00:01:47] hanya keluar [00:01:47–00:01:48] untuk pembelian [00:01:48–00:01:49] yang menjadi asset [00:01:49–00:01:50] awak kena tahu eh [00:01:50–00:01:51] ada 2 jenis pembelian [semak: number or amount] [00:01:51–00:01:53] satu katalah kita [00:01:53–00:01:54] purchase sesuatu [00:01:56–00:01:57] boleh jadi [00:01:57–00:01:59] purchase itu adalah [00:01:59–00:02:00] liability [00:02:02–00:02:03] boleh satu lagi [00:02:03–00:02:04] Masuk [00:02:05–00:02:06] Ngam-ngam [semak: uncertain words] [00:02:06–00:02:07] Adalah asset [semak: uncertain words] [00:02:09–00:02:10] Contoh [00:02:10–00:02:11] Saya beli kereta [semak: uncertain words] [00:02:17–00:02:18] Kereta [00:02:18–00:02:19] Untuk siapa pakai [00:02:19–00:02:21] Bos pakai [semak: uncertain words] [00:02:22–00:02:23] Kereta ni boleh buat sale lah [semak: uncertain words] [00:02:23–00:02:24] Tak buat sale [00:02:24–00:02:26] Bos tak gunakan kereta ni [00:02:26–00:02:26] Untuk buat sale [00:02:26–00:02:28] Maka kereta ni jadi [00:02:28–00:02:28] Liability [00:02:28–00:02:29] Pada syarikat [semak: uncertain words] [00:02:30–00:02:31] Jadi liability [00:02:31–00:02:33] Tapi [00:02:34–00:02:35] Katakanlah [00:02:35–00:02:36] Kereta ni digunakan [00:02:36–00:02:37] Untuk team sale [semak: uncertain words] [00:02:37–00:02:38] Pergi buat sale [00:02:38–00:02:39] Digunakan [00:02:39–00:02:40] Disewakan [00:02:40–00:02:40] Kereta [00:02:40–00:02:42] Ataupun kalau kereta ni [00:02:42–00:02:43] Adalah Alphard [00:02:43–00:02:44] Yang boleh bawa stok banyak [00:02:44–00:02:45] Ush [semak: uncertain words] [00:02:45–00:02:47] Maka kereta ni [semak: uncertain words] [00:02:47–00:02:48] Bolehkan menjadi asset [00:02:48–00:02:50] Benda yang sama je [00:02:51–00:02:52] Diikut penggunaan [00:02:52–00:02:53] Ikut tujuan [00:02:53–00:02:54] Niat [00:02:54–00:02:55] Ikut niat kita [00:02:55–00:02:57] Kalau niat kita nak buat benda tu [00:02:57–00:02:57] Katalah [00:02:57–00:02:59] Kita ambil satu ofis [00:02:59–00:03:00] Kita beli satu ofis tu [00:03:00–00:03:02] Apa function beli ofis tu? [00:03:02–00:03:03] Saja [00:03:04–00:03:06] So ofis tu memang dalam bentuk asset [semak: uncertain words] [00:03:06–00:03:08] Tapi kalau katalah [00:03:08–00:03:10] Ofis tu nak maintain dia mahal [00:03:10–00:03:12] nak ni, dia pun akan menjadi liability, walaupun [semak: uncertain words] [00:03:12–00:03:14] dia dalam bentuk asset, tak entah dekat [00:03:14–00:03:16] kawasan tu dah tak laku, lepas tu market value [00:03:16–00:03:18] dah drop, nak maintain pun mahal [00:03:18–00:03:19] tapi katakanlah [00:03:20–00:03:22] kita sebab tu kata rumah kan, kalau awak ingat rumah [semak: uncertain words] [00:03:22–00:03:24] rumah yang duduk sendiri liability [00:03:24–00:03:26] rumah yang di invest adalah asset [semak: uncertain words] [00:03:27–00:03:28] itu pun satu [semak: uncertain words] [00:03:28–00:03:30] benda yang kita kena fikir juga [00:03:30–00:03:32] awak duduk sendiri, oh duduk sendiri [00:03:32–00:03:33] duduk sendiri jadi liability [00:03:34–00:03:36] sebab awak tak ada ROI [00:03:36–00:03:38] daripada duduk sendiri, tapi [00:03:38–00:03:40] kalau awak sewakan pada orang lain [00:03:40–00:03:42] Ataupun awak jadikan rumah tu rumah investment ABNB ke [00:03:43–00:03:44] Dia akan jadi asset [semak: uncertain words] [00:03:46–00:03:48] Sebab rumah tu akan menambah value [00:03:48–00:03:50] Kalau duduk jadi liability [00:03:50–00:03:51] So orang kaya lah sekali [00:03:51–00:03:53] Dia duduk rumah yang [00:03:53–00:03:55] Rumah yang dia duduk tu pun dia sewa juga [00:03:55–00:03:57] Katalah dia ada 5 rumah [semak: uncertain words, number or amount] [00:03:57–00:03:57] Lah last [semak: uncertain words] [00:03:57–00:04:00] Semua rumah dia dia sewa sewa sewa sewa [00:04:00–00:04:01] Rumah dia sendiri rumah yang ke 6 [semak: uncertain words, number or amount] [00:04:04–00:04:05] Sorry rumah ada 5 [semak: uncertain words, number or amount] [00:04:05–00:04:09] Rumah dia ada 5 [semak: uncertain words, number or amount] [00:04:11–00:04:13] Yang ni dia beli [00:04:13–00:04:14] Tapi dia sewakan [semak: uncertain words] [00:04:16–00:04:17] Dia beli [00:04:17–00:04:18] Dia sewakan balik [00:04:20–00:04:21] Ni samalah [semak: uncertain words] [00:04:23–00:04:24] Tapi rumah yang ke enam [semak: uncertain words] [00:04:24–00:04:25] Yang ni dia duduk sendiri [00:04:28–00:04:30] Tapi dia tak beli [semak: uncertain words] [00:04:31–00:04:32] Dia sewa dengan orang lain [00:04:34–00:04:35] Sebab mungkin dia ni bisa sauna [semak: uncertain words] [00:04:36–00:04:37] Sewa dengan orang lain [00:04:37–00:04:38] Dan dia pun malah nak terikat [00:04:39–00:04:42] Dan dia nak merasa je rumah yang harga [00:04:42–00:04:44] mungkin 15,000 sebulan, 25,000 sebulan [semak: uncertain words, number or amount] [00:04:44–00:04:46] so dia tak nak beli rumah tu [semak: uncertain words] [00:04:46–00:04:47] dia tahu rumah tu akan jadi liability [00:04:47–00:04:50] rumah yang mahal sangat ni guys, harga 2 juta [semak: number or amount] [00:04:50–00:04:52] 3 juta, 10 juta, dia [semak: number or amount] [00:04:52–00:04:54] susah nak dicairkan, kalau nak [00:04:54–00:04:56] buat rumah investment, kita akan beli rumah yang harga [00:04:56–00:04:58] dia senang, kita panggil market dia [00:04:58–00:05:00] laju, panas, rumah 500k [semak: number or amount] [00:05:01–00:05:02] rumah 300k [semak: number or amount] [00:05:04–00:05:06] even rumah harga 900k pun [semak: number or amount] [00:05:06–00:05:08] mungkin susah nak jual lah, so that's why [00:05:08–00:05:10] oh saya tak nak lah beli rumah [00:05:10–00:05:11] Yang murah-murah ni tuan [semak: uncertain words] [00:05:11–00:05:12] Saya tak duduk [00:05:12–00:05:13] Eh, siapa suruh duduk [00:05:13–00:05:14] Rumah ni untuk investment [00:05:14–00:05:15] Haa, nak beza dah mindset dia [00:05:15–00:05:17] Sebab tu rumah yang duduk sendiri [00:05:17–00:05:18] Ni lah, lah [semak: uncertain words] [00:05:18–00:05:19] Kadang-kadang kita sewa je orang lain [semak: uncertain words] [00:05:19–00:05:20] Sebab nak beli tu macam tak masuk akal [semak: uncertain words] [00:05:20–00:05:22] Takkan aku nak beli rumah harga 5 juta ni [semak: uncertain words, number or amount] [00:05:22–00:05:24] Ulang-bulan bayar monthly installment [00:05:24–00:05:25] Dengan bank pun dah dekat apa [00:05:25–00:05:26] 30,000 [semak: uncertain words, number or amount] [00:05:26–00:05:27] 25,000 [semak: number or amount] [00:05:27–00:05:28] Contohnya kan [00:05:29–00:05:31] Rumah harga 2 juta [semak: number or amount] [00:05:31–00:05:31] 12,000 [semak: number or amount] [00:05:31–00:05:32] Ya [00:05:32–00:05:34] Kalau rumah harga 4 juta [semak: number or amount] [00:05:34–00:05:34] Dah 24,000 [semak: number or amount] [00:05:35–00:05:37] So, dan kawan nak merasa je kawasan tu [00:05:37–00:05:38] So, itulah beza dia [00:05:38–00:05:41] Antara aset dengan liabiliti [00:05:41–00:05:43] Pembelian yang mendatangkan keuntungan long term [00:05:43–00:05:44] Akan menjadi aset [00:05:44–00:05:47] Yang mendatangkan mudarat kekurangan long term [00:05:47–00:05:48] Akan menjadi liabiliti [00:05:48–00:05:51] So, barang pelaburan yang diberi nilai jangka panjang [00:05:51–00:05:53] Boleh bagi jana pulangan [00:05:53–00:05:53] Betul lah tu [semak: uncertain words] [00:05:53–00:05:56] Mesin kenderaan syarikat, hartanah pejabat [00:05:56–00:05:57] Ini semua [semak: uncertain words] [00:05:57–00:06:00] Ini adalah kebiasaannya menjadi aset kenderaan syarikat [00:06:00–00:06:02] Tapi kalau kenderaan tu bos pakai [00:06:02–00:06:02] Tak buat duit [00:06:02–00:06:03] Jadi liabiliti juga [semak: uncertain words] [00:06:03–00:06:05] Walaupun kenderaan syarikat [00:06:05–00:06:07] Yes, guna untuk beli aset capex [00:06:07–00:06:09] Tapi liability [00:06:09–00:06:11] Hutang tanggungan yang perlu dia bayar semula [semak: uncertain words] [00:06:11–00:06:11] Bukan milik syarikat [00:06:11–00:06:12] Contoh pinjaman bank [00:06:13–00:06:14] Supplier [00:06:14–00:06:14] Overdraft [00:06:14–00:06:16] Benda-benda bil tertunggak [00:06:16–00:06:17] Ni adalah liability [00:06:17–00:06:18] So kita tak gunalah [00:06:18–00:06:19] Benda-benda liability ni [00:06:19–00:06:21] Nak beli benda-benda yang tak mendatangkan profit ni [00:06:21–00:06:21] Buat apa [00:06:22–00:06:24] Contohnya kita beli mesin printing [00:06:24–00:06:25] Dalam harga 200k [semak: number or amount] [00:06:25–00:06:26] Kita guna asset [00:06:26–00:06:27] Mesin printing [00:06:27–00:06:28] Betul lah [00:06:28–00:06:29] Dia boleh mendatangkan jual [00:06:29–00:06:31] Bayar hutang bank [00:06:31–00:06:32] Ni tak boleh lah [semak: uncertain words] [00:06:32–00:06:32] Pakai account ni [00:06:32–00:06:34] Bayar hutang bank ni tak boleh guna [semak: uncertain words] [00:06:34–00:06:37] Bayar hutang bank ni kena guna [00:06:37–00:06:38] Operating account [00:06:38–00:06:39] Kan kita ada 5 account [semak: number or amount] [00:06:39–00:06:40] Guna account yang atas sekali [00:06:41–00:06:42] FIA ni adalah [00:06:42–00:06:44] Kita lah saya buat dia menegak je ni [semak: uncertain words] [00:06:44–00:06:46] FIA ni adalah account yang ke mana [00:06:46–00:06:46] Awak ingat tak ni [semak: uncertain words] [00:06:46–00:06:48] Account yang keempat [00:06:49–00:06:49] Sini FIA [00:06:51–00:06:52] Duit tu mengalir daripada atas ke bawah [00:06:52–00:06:54] Yang ni operating [00:06:55–00:06:55] Tax [00:06:56–00:06:57] Cuba hafal [00:06:57–00:06:57] 5 [semak: number or amount] [00:06:58–00:06:59] Dengan dividend [00:07:00–00:07:01] So FIA ni [00:07:01–00:07:02] Duit kat sini [00:07:02–00:07:03] Kalau loan apa semua [00:07:03–00:07:05] Itu adalah operating account [00:07:05–00:07:06] Sebab loan ni kita guna [00:07:06–00:07:08] untuk tanggung operasi [00:07:08–00:07:09] tanggung apa-apa [00:07:09–00:07:10] kecuali [00:07:10–00:07:12] ada kecualilah [00:07:12–00:07:13] kecuali kita memang [00:07:13–00:07:14] nak beli something [00:07:14–00:07:15] yang besar [00:07:15–00:07:16] mungkin kita terpaksa [00:07:16–00:07:17] gunakan account FIA [semak: uncertain words] [00:07:17–00:07:19] sebab kita beli kereta [00:07:19–00:07:21] kita beli kereta [00:07:22–00:07:23] dan dibayar [00:07:23–00:07:24] melalui account FIA [00:07:24–00:07:25] so kereta tu [00:07:25–00:07:26] ataupun kita beli [00:07:26–00:07:26] mesin lah [00:07:26–00:07:28] mesin tu kita guna [00:07:28–00:07:29] guna account FIA [semak: uncertain words] [00:07:29–00:07:31] tapi kalau loan-loan [00:07:31–00:07:32] yang tak mendatangkan profit [00:07:32–00:07:33] katalah loan tu adalah [00:07:33–00:07:33] loan-loan [00:07:33–00:07:35] kita nak top up duit [00:07:35–00:07:37] working capital sahaja [semak: uncertain words] [00:07:37–00:07:38] 100k [semak: uncertain words, number or amount] [00:07:38–00:07:39] kita nak tambah duit [00:07:39–00:07:40] untuk [00:07:40–00:07:41] company berjalan [00:07:41–00:07:41] setiap bulan [00:07:41–00:07:42] yang tu kita akan [00:07:42–00:07:43] pakai account lain lah [00:07:43–00:07:44] operating account [00:07:44–00:07:44] akan bayar [00:07:45–00:07:45] dan [00:07:45–00:07:47] langgan canva [00:07:47–00:07:48] contoh [00:07:48–00:07:48] ni tak boleh lah [00:07:48–00:07:49] ni confirm operating account [semak: uncertain words] [00:07:49–00:07:49] ok [semak: uncertain words] [00:07:49–00:07:50] so what dah clear [00:07:50–00:07:51] asset versus liability [00:07:51–00:07:52] tujuan FIA [00:07:52–00:07:53] untuk adalah [00:07:53–00:07:54] benda-benda yang memang [00:07:54–00:07:55] mendatangkan profit [00:07:55–00:07:57] secara long term [00:07:57–00:07:58] kena ingat ayat tu [00:07:58–00:07:59] bukannya short term [00:07:59–00:08:00] short term [00:08:00–00:08:01] kita tak consider [00:08:01–00:08:02] sebagai asset [00:08:02–00:08:03] kita consider sebagai [00:08:04–00:08:05] macam barang-barang [00:08:05–00:08:07] lah, barang-barang biasa je lah, operating punya [semak: uncertain words] [00:08:07–00:08:08] expenses untuk monthly [00:08:08–00:08:10] ok, jumpa dalam video yang seterusnya [semak: uncertain words] [00:08:10–00:08:11] Zas [semak: uncertain words]