Dividend Timeline Source: https://coachadib.com/module/6ac03ba001e1173ecd02baba Automatic full-length draft. Uncertain wording and figures require review. [00:00:04.100 – 00:00:29.340] Dividend Timeline. Apakah Timeline untuk bagi Dividend? Cari orang hitam ni. Untuk Timeline Dividend ni guys, kita nak kena tengok balik pada asas apakah itu Dividend. So boleh tengok pada slide yang saya dah sediakan ni. Dividend terpecah kepada 3. First kali kita ada Final Dividend. Yang kedua kita pula ada Intrim Dividend. [00:00:30.240 – 00:00:34.120] Dan kita ada satu lagi dipanggil sebagai special dividend [00:00:34.840 – 00:00:35.880] Dividend ni special [00:00:35.880 – 00:00:37.400] Okay, apakah itu final dividend? [00:00:37.660 – 00:00:38.100] Nampak [00:00:38.100 – 00:00:40.280] Dalam line yang saya tunjuk kat sini [00:00:40.280 – 00:00:40.940] Awak boleh tengok [00:00:40.940 – 00:00:43.440] Final dividend ni adalah satu dividend [00:00:43.440 – 00:00:46.180] Yang diambil pada hujung tahun [00:00:46.180 – 00:00:48.600] Katalah ini adalah bulan Januari [00:00:48.600 – 00:00:50.880] Ini adalah bulan Dezember [00:00:50.880 – 00:00:53.220] Pada tahun 2025 [00:00:54.720 – 00:00:56.040] So, diambil di mana? [00:00:56.300 – 00:00:57.440] Di hujung tahun [00:00:58.160 – 00:00:59.180] Contohnya dekat sini [00:00:59.880 – 00:01:00.920] sini lah kita ambil [00:01:00.920 – 00:01:02.500] sini kita ambil dividend [00:01:03.780 – 00:01:05.280] sebab tu nama dia final [00:01:05.280 – 00:01:07.620] so standard company dia akan ambil [00:01:07.620 – 00:01:09.620] dividend secara final [00:01:09.620 – 00:01:12.060] ok itu adalah dividend yang pertama [00:01:12.060 – 00:01:13.660] ini paling typical lah, paling common [00:01:13.660 – 00:01:16.060] dan dividend ni diberikan pada tujuan tahun [00:01:16.060 – 00:01:17.620] settle, dividend kedua adalah [00:01:17.620 – 00:01:19.320] intrim, intrim ni maksudnya apa? [00:01:19.460 – 00:01:21.820] tak dengar tak? intrim prime minister [00:01:22.600 – 00:01:23.160] ataupun [00:01:23.160 – 00:01:25.340] sementara lah, dia macam [00:01:25.340 – 00:01:27.280] ibaratnya macam intrim [00:01:27.280 – 00:01:29.260] Dividend ni adalah dividend yang dia ambil [00:01:29.260 – 00:01:30.380] Mengikut jadual [00:01:30.380 – 00:01:33.420] Dan dia ambil pada waktu yang awal [00:01:33.420 – 00:01:34.440] Dia ambil lebih awal lah [00:01:34.440 – 00:01:37.000] Contohnya kita buat jadual [00:01:37.000 – 00:01:39.500] Kita nak buat 4 kuarta [00:01:41.860 – 00:01:43.000] Kuarta 1 [00:01:43.000 – 00:01:44.280] Kuarta 2 [00:01:44.280 – 00:01:45.680] Kuarta 3 [00:01:45.680 – 00:01:47.380] Kuarta 4 [00:01:47.380 – 00:01:48.400] Kita ambil [00:01:48.400 – 00:01:50.140] So kat sini kita ambil lah [00:01:50.140 – 00:01:52.280] Kat sini kita ambil [00:01:52.280 – 00:01:54.240] Katalah dividend yang final ni kita ambil [00:01:54.240 – 00:01:55.480] Seterus keligus RM [00:01:56.620 – 00:01:57.240] RM400K [00:01:57.240 – 00:01:58.100] For example [00:01:59.000 – 00:02:00.660] Dividend RM400,000 [00:02:00.660 – 00:02:03.140] Tapi dekat sini kita ambil sikit-sikit [00:02:03.140 – 00:02:04.600] Kita ambil RM100,000 [00:02:05.200 – 00:02:06.620] RM100,000 [00:02:06.620 – 00:02:08.460] RM100,000 [00:02:08.460 – 00:02:10.160] RM100,000 [00:02:11.320 – 00:02:13.160] Kenapa wujudnya incline dividend ni pula? [00:02:13.440 – 00:02:15.460] Sebab kadang-kadang nak tunggu final ni [00:02:15.460 – 00:02:17.400] Tak merasa kemanisan bisnes [00:02:17.400 – 00:02:18.880] Bila nak ambil dividendnya? [00:02:19.020 – 00:02:20.440] Sebab bos ni dia tak ambil gaji [00:02:20.440 – 00:02:22.620] So dia tangguplah tunggu hujung tahun [00:02:22.620 – 00:02:24.360] Dah betul-betul untung baru nak ambil [00:02:24.360 – 00:02:26.740] Jadi kita akan gunakan interim dividend [00:02:26.740 – 00:02:29.060] Sebagai satu vehicle, satu cara [00:02:29.060 – 00:02:30.960] Untuk kita ambil sikit-sikit [00:02:30.960 – 00:02:32.040] Ambil sikit-sikit-sikit [00:02:32.040 – 00:02:33.360] So gaji bos berapa? [00:02:33.540 – 00:02:36.960] Katalah gaji basic bos ni adalah RM5,000 [00:02:36.960 – 00:02:37.920] Per month [00:02:37.920 – 00:02:39.980] Campurlah dengan interim dividend [00:02:39.980 – 00:02:42.500] Katalah kuartal ni adalah 3 bulan [00:02:42.500 – 00:02:43.860] So kita dapat berapa kat sini? [00:02:44.780 – 00:02:45.400] RM100K [00:02:45.400 – 00:02:47.260] Tapi bahagi dengan 3 bulan [00:02:47.260 – 00:02:49.000] Sebab ini setelah berpuasa [00:02:49.000 – 00:02:50.560] Selama 3 bulan [00:02:50.560 – 00:02:52.340] Jadi sebulan dia dapat berapa? [00:02:52.340 – 00:02:53.720] Adalah RM33 [00:02:54.760 – 00:02:56.380] Jadi gaji boss kat sini [00:02:56.380 – 00:02:59.820] Adalah RM38,000 [00:02:59.820 – 00:03:00.580] Nampak? [00:03:00.840 – 00:03:01.700] Tapi at least [00:03:01.700 – 00:03:02.640] Boss kat sini [00:03:02.640 – 00:03:04.040] Tak adalah dia ambil sekaligus [00:03:04.040 – 00:03:05.780] Main ambil je RM10,000 [00:03:05.780 – 00:03:06.660] RM20,000 sekaligus [00:03:06.660 – 00:03:07.820] So kita gunakan dividend [00:03:07.820 – 00:03:08.760] Bank happy [00:03:08.760 – 00:03:09.560] Investor happy [00:03:09.560 – 00:03:10.180] Semua orang happy [00:03:10.180 – 00:03:11.560] Yang tak happy kena bayar tax je lah [00:03:11.560 – 00:03:12.680] Tapi tax ada benefit [00:03:12.680 – 00:03:14.520] So ini adalah interim dividend [00:03:14.520 – 00:03:15.200] Dan perasan tak [00:03:15.200 – 00:03:16.220] Bila saya lukis [00:03:16.220 – 00:03:18.360] Dia kena ambil pada tahun yang sama [00:03:18.360 – 00:03:20.300] Dia biasanya kena ambil pada [00:03:20.860 – 00:03:21.400] Same [00:03:22.080 – 00:03:22.560] year [00:03:24.160 – 00:03:26.220] kalau kita ambil pada tahun berikutnya [00:03:26.220 – 00:03:27.960] contoh dalam gambar yang saya buat ni [00:03:28.560 – 00:03:30.520] katalah kita ambil pada tahun yang berikutnya [00:03:30.520 – 00:03:31.820] maksudnya pada tahun [00:03:32.540 – 00:03:33.680] ok, ini kita dah [00:03:33.680 – 00:03:34.900] kita dah telajak dah ni [00:03:34.900 – 00:03:37.100] dah masuk tahun depan, kita ambil dekat sini [00:03:37.780 – 00:03:39.140] sedangkan sini adalah tahun [00:03:40.480 – 00:03:40.960] 2025 [00:03:42.280 – 00:03:43.340] sini adalah tahun [00:03:44.240 – 00:03:44.720] 2026 [00:03:44.720 – 00:03:47.340] kita ambil kat sini, maka ini dikira sebagai [00:03:47.340 – 00:03:49.120] dividend tahun 2026, macam tu [00:03:49.120 – 00:03:51.300] maksudnya duit kita tak ambil, kita carry [00:03:51.300 – 00:03:53.180] Forward tahun depan. So bila kita bayar [00:03:53.180 – 00:03:55.400] Dividend. Boleh tak bayar dividend bulan satu? Boleh je [00:03:55.400 – 00:03:57.340] Maksudnya dividend yang dibayar bulan satu [00:03:57.340 – 00:03:59.260] Adalah hasil tahun lepas punya profit lah tu [00:03:59.260 – 00:04:00.980] Cuma kita carry forward ke depan [00:04:00.980 – 00:04:03.420] Okay next pula adalah special dividend [00:04:04.100 – 00:04:05.060] Nama pun special [00:04:05.060 – 00:04:07.200] Dia ikut suka hati. Bos nak bagi bila-bila [00:04:07.200 – 00:04:09.280] Sebab tu dia suka hatilah [00:04:09.280 – 00:04:11.400] Macam interim dividend ni dia dijadual biasanya [00:04:11.400 – 00:04:13.220] Dia sama ada 2 bulan [00:04:13.980 – 00:04:14.940] 4 bulan [00:04:14.940 – 00:04:17.300] 6 bulan. Macam tu lah. Dia jadual lah [00:04:17.300 – 00:04:19.480] Macam setahun tu kalau 2 bulan [00:04:19.480 – 00:04:20.280] Dia ambil [00:04:20.280 – 00:04:21.320] 6 kali [00:04:21.900 – 00:04:23.400] Nak ambil setiap bulan boleh ke? [00:04:23.580 – 00:04:24.160] Boleh je [00:04:24.160 – 00:04:25.200] Takde hal pun [00:04:25.200 – 00:04:26.040] Kita buat dia [00:04:26.040 – 00:04:27.020] Takde right and wrong pun [00:04:27.020 – 00:04:28.300] Cuma awak kena tahu [00:04:28.300 – 00:04:29.260] Setiap kali [00:04:29.260 – 00:04:30.440] Kita ambil dividen [00:04:30.440 – 00:04:31.540] Kita kena buat [00:04:31.540 – 00:04:32.340] Satu test [00:04:32.340 – 00:04:34.040] Yang dipanggil sebagai [00:04:34.040 – 00:04:34.940] Search up [00:04:35.620 – 00:04:36.480] Solvency test [00:04:37.860 – 00:04:38.380] Sol [00:04:39.500 – 00:04:40.020] Ven [00:04:40.700 – 00:04:41.220] Si [00:04:41.220 – 00:04:41.860] Test [00:04:41.860 – 00:04:43.620] Cuba search kat Cik J.B.T. sekejap [00:04:43.620 – 00:04:43.940] Tengok [00:04:43.940 – 00:04:45.580] Apa itu solvency test [00:04:45.580 – 00:04:46.580] Saya nak keluarkan formula dia [00:04:46.580 – 00:04:48.180] Ok kita pergi dulu kat sini [00:04:48.180 – 00:04:49.520] Sementara admin tengah mencari jawapan [00:04:49.520 – 00:04:51.180] Special dividend ni [00:04:51.180 – 00:04:52.280] Dia berikan suka hati [00:04:52.280 – 00:04:53.820] Contohnya dia pergi dekat sini [00:04:53.820 – 00:04:55.040] Ini waktu bila? [00:04:55.340 – 00:04:56.240] Waktu bulan 4 [00:04:57.200 – 00:04:58.080] Musim raya [00:04:58.080 – 00:04:58.780] April [00:04:58.780 – 00:04:59.540] Contohnya [00:04:59.540 – 00:05:00.640] Oh musim raya [00:05:00.640 – 00:05:01.420] Alhamdulillah [00:05:01.420 – 00:05:02.660] Dapat profit [00:05:02.660 – 00:05:03.660] Kita release lah kat sini [00:05:03.660 – 00:05:04.860] Berapa bagi? [00:05:04.960 – 00:05:05.600] Kita bagi ke debum [00:05:05.600 – 00:05:07.000] Sebab semua orang nak raya [00:05:07.000 – 00:05:07.720] Bos pun nak raya [00:05:07.720 – 00:05:08.700] Ingat staff je nak raya [00:05:08.700 – 00:05:10.680] Bos pun nak hari raya [00:05:10.680 – 00:05:12.200] Dapatlah RM200,000 kat sini [00:05:12.200 – 00:05:12.980] Contohnya [00:05:12.980 – 00:05:13.860] So [00:05:13.860 – 00:05:15.060] Special dividend [00:05:15.060 – 00:05:15.860] Diambil [00:05:15.860 – 00:05:17.340] Semperna sesuatu [00:05:17.340 – 00:05:18.480] Sempena peristiwa [00:05:18.480 – 00:05:19.980] Dia berikan secara random [00:05:19.980 – 00:05:20.880] Ok ada [00:05:20.880 – 00:05:22.040] Solvency test [00:05:22.040 – 00:05:22.380] Ok [00:05:22.380 – 00:05:24.180] Abang boleh search dekat dalam [00:05:24.180 – 00:05:25.580] Google ke mana-mana [00:05:25.580 – 00:05:26.100] Tanya [00:05:26.100 – 00:05:26.640] Tengok ni [00:05:26.640 – 00:05:27.540] Ayat dia adalah [00:05:27.540 – 00:05:29.740] Solvency test [00:05:29.740 – 00:05:30.920] Ok [00:05:30.920 – 00:05:32.620] Tolong buat satu test ni [00:05:32.620 – 00:05:33.520] Yang dipanggil sebagai [00:05:33.520 – 00:05:34.800] Test solvency [00:05:34.800 – 00:05:36.600] Dia adalah ujian kewangan [00:05:36.600 – 00:05:38.880] Solvency test ni adalah ujian kewangan [00:05:38.880 – 00:05:40.100] Untuk kita check [00:05:40.100 – 00:05:41.440] Company kita [00:05:41.440 – 00:05:43.360] Ok ke tak ok [00:05:44.260 – 00:05:46.020] Ok ke tak ok [00:05:46.020 – 00:05:47.480] Untuk kita ambil [00:05:47.480 – 00:05:48.360] Sebab kita takut [00:05:48.360 – 00:05:49.220] Soversi test ni [00:05:49.220 – 00:05:50.700] Katakanlah company tak ok [00:05:51.660 – 00:05:53.280] Kalau company jatuh bankrupt [00:05:53.280 – 00:05:54.620] Siapa yang akan dibesalahkan [00:05:54.620 – 00:05:56.000] Director akan dibesalahkan [00:05:56.000 – 00:05:57.080] So the soversi test ni adalah [00:05:57.080 – 00:05:59.120] Ujian kewangan untuk cek [00:05:59.120 – 00:06:00.360] Sebuah syarikat [00:06:00.360 – 00:06:02.100] Ada tak keupayaan untuk [00:06:02.100 – 00:06:03.200] Bayar balik [00:06:03.200 – 00:06:03.840] Tengok macam tu [00:06:05.060 – 00:06:05.900] Soversi test ni [00:06:05.900 – 00:06:07.300] Satu ujian kewangan untuk cek [00:06:07.300 – 00:06:08.400] Sama ada sebuah syarikat [00:06:08.400 – 00:06:09.180] Ada keupayaan [00:06:09.180 – 00:06:10.380] Jangka masa panjang [00:06:10.380 – 00:06:11.200] Untuk bayar semua hutang [00:06:11.200 – 00:06:11.980] Tanggungjawab kewangan [00:06:11.980 – 00:06:14.020] Ok so itu adalah ayat dia [00:06:14.020 – 00:06:15.020] Wah habuk-habuk lah [00:06:15.020 – 00:06:15.420] Elap sikit [00:06:16.680 – 00:06:18.180] Kalau sovereignty test lulus [00:06:18.180 – 00:06:19.180] Maksudnya bolehlah kita ambil [00:06:19.180 – 00:06:20.500] So harga dia tak mahal guys [00:06:20.500 – 00:06:22.520] Biasanya kalau awak refer dengan konsep awak [00:06:22.520 – 00:06:24.860] Sovereignty test ni dalam RM tak silap saya [00:06:25.660 – 00:06:26.940] RM290 macam tu lah [00:06:26.940 – 00:06:27.600] Murah-murah je lah [00:06:27.600 – 00:06:28.820] Ada macam satu testing [00:06:28.820 – 00:06:31.080] Nak check company ni mampu ke tak payah dividend [00:06:31.080 – 00:06:32.980] So kalau awak nak ambil banyak kali [00:06:32.980 – 00:06:34.020] Macam ni 4 kali [00:06:34.020 – 00:06:34.900] Buatlah setiap kali ni [00:06:34.900 – 00:06:36.120] Buat internal eh [00:06:36.120 – 00:06:37.120] Dia secara dalaman je [00:06:37.120 – 00:06:38.820] Internal sovereignty test [00:06:38.820 – 00:06:40.540] Jadi kita dah lepas tanggungjawab [00:06:40.540 – 00:06:41.760] Kita check oh company layak [00:06:41.760 – 00:06:42.680] That's why lah [00:06:42.680 – 00:06:44.060] Ada teknik 5 bank account [00:06:44.060 – 00:06:44.860] Kita asingkan [00:06:44.860 – 00:06:46.000] Ataupun 3 bank account [00:06:46.000 – 00:06:46.800] Kita asingkan [00:06:46.800 – 00:06:48.820] Bank bank bank bank bank tu semua [00:06:48.820 – 00:06:49.320] Okay [00:06:49.320 – 00:06:51.980] Dan saya nak memperkenalkan teknik 3 bank account ni [00:06:51.980 – 00:06:53.280] Yang mana membolehkan [00:06:53.280 – 00:06:54.740] Awak ambil dividend [00:06:54.740 – 00:06:56.160] Tanpa rasa bersalah [00:06:56.160 – 00:06:56.660] Okay [00:06:56.660 – 00:06:57.120] 3 [00:06:58.060 – 00:06:58.580] Bank [00:06:59.180 – 00:06:59.700] Account [00:07:01.300 – 00:07:02.740] First sekali kita lukis [00:07:02.740 – 00:07:03.920] Kotak macam ni [00:07:03.920 – 00:07:05.060] Macam dalam gambar rajah tu [00:07:06.380 – 00:07:07.400] Benda ni pun ada [00:07:07.400 – 00:07:08.880] Saya share dalam video kat tiktok [00:07:08.880 – 00:07:09.740] So kalau awak nak tengok [00:07:09.740 – 00:07:10.520] Boleh tengok dalam tu [00:07:10.520 – 00:07:12.220] Tapi ni saya buat secara summary lah [00:07:12.220 – 00:07:13.060] Sebab dia tak perlu tu [00:07:13.060 – 00:07:14.880] detail sangat pun, benda ni basic je [00:07:15.940 – 00:07:17.320] dan boleh terus apply [00:07:17.320 – 00:07:19.080] ok, teknik 3 bank account ni [00:07:19.080 – 00:07:21.180] dia lebih simple, yang mana teknik [00:07:21.180 – 00:07:22.900] 3 bank account ni, awak buat satu account [00:07:22.900 – 00:07:24.340] nombor dia operating [00:07:26.120 – 00:07:26.640] account [00:07:27.620 – 00:07:29.100] awak buat satu lagi account [00:07:29.100 – 00:07:30.160] dinamakan sebagai [00:07:32.000 – 00:07:35.730] emergency account [00:07:36.710 – 00:07:37.830] dan next account [00:07:37.830 – 00:07:38.610] dipanggil sebagai [00:07:39.810 – 00:07:40.330] dividend [00:07:41.810 – 00:07:42.530] ok sangat [00:07:46.830 – 00:07:49.190] oh, teknik 3 [00:07:49.190 – 00:07:50.530] bank account [00:07:50.530 – 00:07:53.250] ok, dengan menggunakan teknik [00:07:53.250 – 00:07:54.430] 3 bank account ni [00:07:54.430 – 00:07:59.750] awak akan flowkan duit [00:07:59.750 – 00:08:01.890] daripada atas ke bawah, contohnya account ni [00:08:01.890 – 00:08:03.890] kita gunakan lah, situasi ni adalah [00:08:03.890 – 00:08:04.710] account Maybank [00:08:04.710 – 00:08:07.230] ok, awak boleh letak dekat Maybank kat sini [00:08:08.670 – 00:08:09.350] Maybank [00:08:09.350 – 00:08:12.070] so duit masuk, semua pusing [00:08:12.070 – 00:08:13.870] kat Maybank, kalau ada profit [00:08:13.870 – 00:08:15.830] barulah profit tu transfer dekat sini [00:08:16.850 – 00:08:18.070] contohnya awak ada [00:08:18.070 – 00:08:19.290] RM [00:08:20.510 – 00:08:21.190] 20k [00:08:21.190 – 00:08:22.490] Profit [00:08:22.490 – 00:08:23.390] Untung [00:08:23.390 – 00:08:24.570] So [00:08:24.570 – 00:08:26.090] 20k profit ni [00:08:26.090 – 00:08:27.570] Macam mana nak transfer dia [00:08:27.570 – 00:08:29.250] Saya nak berpunyai dengan awak [00:08:29.250 – 00:08:29.930] Dua formula [00:08:29.930 – 00:08:32.130] Yang saya rasa sangat simple lah [00:08:32.130 – 00:08:33.190] Kalau nak follow pun boleh [00:08:33.190 – 00:08:35.090] Formula pertama adalah [00:08:35.090 – 00:08:36.570] 80 [00:08:37.350 – 00:08:38.110] 20 [00:08:38.110 – 00:08:38.630] 20 [00:08:39.570 – 00:08:39.950] 80 [00:08:40.850 – 00:08:41.610] 20 [00:08:41.610 – 00:08:42.950] 80 [00:08:42.950 – 00:08:43.950] Ataupun [00:08:43.950 – 00:08:44.690] 50 [00:08:44.690 – 00:08:45.970] 50 [00:08:45.970 – 00:08:46.810] Maksudnya apa [00:08:46.810 – 00:08:48.250] Bila awak transfer [00:08:48.250 – 00:08:49.690] Daripada operating account [00:08:49.690 – 00:08:50.970] Masuk dekat business account [00:08:50.970 – 00:08:52.570] kita nak simpan duit sikit [00:08:52.570 – 00:08:54.690] kalau tak sikit pun banyak lah [00:08:54.690 – 00:08:56.110] kalau tak banyak pun sikit [00:08:56.110 – 00:08:56.850] eh macam sama je [00:08:56.850 – 00:08:59.870] kalau kita simpan sikit kita ambil 20% sahaja [00:08:59.870 – 00:09:01.370] daripada 20k [00:09:01.370 – 00:09:02.750] so 20% daripada 20k [00:09:02.750 – 00:09:04.750] kita saving kat sini 4k [00:09:04.750 – 00:09:06.570] masuk dalam business account [00:09:06.570 – 00:09:08.390] dalam dividend account pula [00:09:08.390 – 00:09:10.510] kita simpan sebanyak 80% [00:09:10.510 – 00:09:13.670] maka awak menyimpan sebanyak 16k [00:09:14.810 – 00:09:17.270] tapi kalau awak nak buat situasi kedua [00:09:17.270 – 00:09:19.270] awak 50-50 pun boleh juga [00:09:19.270 – 00:09:20.910] Kalau awak buat 50-50 [00:09:20.910 – 00:09:21.550] Maksudnya [00:09:21.550 – 00:09:23.390] Option yang seterusnya lah [00:09:23.390 – 00:09:24.090] Saya buat colour [00:09:24.090 – 00:09:24.790] Biru [00:09:25.570 – 00:09:26.630] 50% [00:09:26.630 – 00:09:27.430] Masuk sini [00:09:27.430 – 00:09:28.370] Equal [00:09:28.370 – 00:09:28.950] 10k [00:09:29.690 – 00:09:30.810] 50% [00:09:30.810 – 00:09:31.350] Masuk sini [00:09:31.350 – 00:09:32.350] Equal [00:09:33.130 – 00:09:33.910] 10k juga [00:09:33.910 – 00:09:34.490] Okay [00:09:34.490 – 00:09:36.210] Dia ikut awak nak [00:09:36.210 – 00:09:37.050] Agresif [00:09:37.050 – 00:09:37.710] Ataupun [00:09:37.710 – 00:09:38.670] Konservatif [00:09:38.670 – 00:09:39.570] Nak selamat ke [00:09:39.570 – 00:09:40.210] Nak cepat ke [00:09:40.210 – 00:09:40.590] Macam mana [00:09:40.590 – 00:09:42.490] Berapa banyak duit nak simpan dalam [00:09:42.490 – 00:09:43.070] Majin saya account [00:09:43.070 – 00:09:43.490] By the way [00:09:43.490 – 00:09:45.050] Sebab kita kan menyimpan-yimpan-yimpan ni [00:09:45.050 – 00:09:46.770] Saya cadangkan jangan lebih daripada [00:09:46.770 – 00:09:48.830] 3 ke 6 bulan [00:09:48.830 – 00:09:49.470] OPEX [00:09:53.160 – 00:09:53.720] OPEX [00:09:53.720 – 00:09:55.120] Operational Expenses [00:09:55.120 – 00:09:56.400] Contohnya awak punya [00:09:56.400 – 00:09:57.440] Kos operasi awak adalah [00:09:57.440 – 00:09:58.780] RM12,000 [00:09:58.780 – 00:10:00.420] Darablah dengan 3 bulan [00:10:00.420 – 00:10:01.980] Awak dapat 36K [00:10:01.980 – 00:10:03.840] Ini je duit yang awak nak simpan [00:10:03.840 – 00:10:04.740] Dalam emergency account [00:10:04.740 – 00:10:05.980] Ataupun awak nak ambil [00:10:05.980 – 00:10:06.660] Lebih selamat lah [00:10:06.660 – 00:10:07.980] Kita ambil 12,000 [00:10:07.980 – 00:10:09.460] Tapi darab dengan 6 bulan [00:10:09.460 – 00:10:10.440] Awak dapat RM [00:10:11.920 – 00:10:12.740] RM12,000 [00:10:14.220 – 00:10:14.780] 72K [00:10:15.860 – 00:10:16.880] Ini dua duit [00:10:16.880 – 00:10:18.480] Jadi awak akan menyimpan [00:10:18.480 – 00:10:19.220] Menyimpan-menyimpan [00:10:19.220 – 00:10:21.060] So dia akan simpan sikit-sikit lah [00:10:21.060 – 00:10:22.280] Takkanlah duit untung [00:10:22.280 – 00:10:23.540] RM20,000 semua simpan kat emergency [00:10:23.540 – 00:10:24.720] Bila nak ambil dividend [00:10:24.720 – 00:10:25.960] Memanglah laju [00:10:25.960 – 00:10:26.440] Betul [00:10:26.440 – 00:10:27.180] Awak boleh je buat [00:10:27.180 – 00:10:28.420] 100% masuk kat emergency [00:10:28.420 – 00:10:28.900] Boleh je [00:10:28.900 – 00:10:30.120] Tapi saya tak recommend [00:10:30.120 – 00:10:31.400] Sebab saya nak awak rasa [00:10:31.400 – 00:10:32.260] Untung setiap bulan [00:10:32.260 – 00:10:32.820] Contoh [00:10:32.820 – 00:10:34.000] Katakanlah awak nak [00:10:34.000 – 00:10:35.260] Kumpul RM36,000 [00:10:35.260 – 00:10:35.960] Berapa lama [00:10:35.960 – 00:10:37.500] Kalau awak kumpul terus RM20,000 [00:10:37.500 – 00:10:38.460] RM20,000 masuk sini [00:10:38.460 – 00:10:39.640] RM20,000 masuk sini [00:10:39.640 – 00:10:40.580] Cukup 2 bulan [00:10:40.580 – 00:10:41.220] Dapat RM40,000 [00:10:41.220 – 00:10:41.740] Betul [00:10:42.280 – 00:10:43.540] Kalau semua duit profit [00:10:43.540 – 00:10:44.240] Masuk kat emergency [00:10:44.240 – 00:10:45.320] Tapi saya tak nak buat macam tu [00:10:45.320 – 00:10:46.040] Saya cadangkan [00:10:46.040 – 00:10:47.700] Kalau paling agresif pun [00:10:47.700 – 00:10:48.300] RM50,000 [00:10:48.880 – 00:10:49.360] Maksudnya [00:10:49.360 – 00:10:50.020] Setiap bulan [00:10:50.020 – 00:10:50.700] Awak menyimpan [00:10:50.700 – 00:10:52.700] sebanyak RM10,000. So, berapa [00:10:52.700 – 00:10:54.300] lama nak simpan? 4 bulan [00:10:55.460 – 00:10:56.480] 4 bulan [00:10:56.480 – 00:10:58.640] simpan sikit-sikit-sikit, darab dengan [00:10:58.640 – 00:11:00.540] RM10,000, maka awak akan dapat [00:11:00.540 – 00:11:02.660] equal RM40,000. So, cukup lah [00:11:02.660 – 00:11:04.480] duit awak ni. Maka pada [00:11:04.480 – 00:11:06.540] bulan yang ke-5, bulan yang ke-5 [00:11:07.660 – 00:11:08.800] duit extra ni [00:11:08.800 – 00:11:10.080] dia dah masuk terus kat sini [00:11:10.080 – 00:11:12.480] maksudnya tak payah simpan dah duit kat emergency [00:11:12.480 – 00:11:14.100] semua duit RM20,000 [00:11:14.700 – 00:11:16.780] masuk terus dekat dividend account [00:11:16.780 – 00:11:18.780] RM20,000. Macam tu [00:11:18.780 – 00:11:20.680] sebab dah penuh. Kenapa [00:11:20.680 – 00:11:22.460] kita tak nak simpan banyak sangat [00:11:22.460 – 00:11:24.700] sebab kita tak nak awak jadi malas [00:11:24.700 – 00:11:26.920] boss jadi malas, staff jadi malas [00:11:26.920 – 00:11:28.400] kita dah jadi selesa [00:11:28.400 – 00:11:30.740] complacent, sebab tu saya nak awak buat [00:11:31.680 – 00:11:32.660] emergency account ni ada [00:11:32.660 – 00:11:34.560] sikit-sikit cekuplah, ikut nature, kalau awak [00:11:34.560 – 00:11:36.800] banyak melibatkan pembayaran, banyak risiko [00:11:36.800 – 00:11:38.620] ambil 6 bulan, itu paling [00:11:38.620 – 00:11:40.240] maximum, kalau tak ambil 3 bulan [00:11:40.240 – 00:11:42.780] so bila kita bagi duit pada investor [00:11:42.780 – 00:11:44.500] pada kita lah shareholder, business owner [00:11:44.500 – 00:11:46.260] barulah kita rasa kemandisan bisnes [00:11:46.260 – 00:11:48.760] kalau tak kita nak rompak-rompak duit syarikat [00:11:48.760 – 00:11:50.540] dengan cara yang tak halal, cara yang [00:11:50.540 – 00:11:52.200] tak, kemas lah, so ni lebih kemas [00:11:52.200 – 00:11:54.800] so kita asingkan, dan apa-apa berlaku [00:11:54.800 – 00:11:56.760] nak bayar tax, ambil daripada emergency account [00:11:56.760 – 00:11:58.800] katalah hujung tahun nanti, awak nak bayar tax [00:11:58.800 – 00:12:00.700] mana nak cari duit nak bayar tax, boleh [00:12:00.700 – 00:12:02.580] ambil daripada emergency account, dan dividend [00:12:02.580 – 00:12:04.740] account ni pun guys, sebenarnya, bila kita [00:12:04.740 – 00:12:06.880] release kepada investor, ataupun [00:12:06.880 – 00:12:08.660] kita sendiri shareholder, kita akan [00:12:08.660 – 00:12:10.580] release mengikut share, contohnya dividend [00:12:10.580 – 00:12:12.700] account ni dah penuh, ok saya tarik account ni [00:12:12.700 – 00:12:14.580] tarik account ni, dividend account [00:12:14.580 – 00:12:15.560] awak dah ada RM [00:12:16.460 – 00:12:18.100] RM200,000, Alhamdulillah [00:12:18.660 – 00:12:19.720] ambil RM100,000 lah [00:12:19.720 – 00:12:22.560] So 100 ribu ni pecah lah kepada 3 orang tadi [00:12:22.560 – 00:12:23.960] 40% [00:12:23.960 – 00:12:25.580] 30% [00:12:26.220 – 00:12:27.360] 20% [00:12:29.000 – 00:12:30.820] So setiap seorang dapat lah [00:12:30.820 – 00:12:31.620] Sini RM40,000 [00:12:31.620 – 00:12:33.400] Sini dapat RM30,000 [00:12:33.400 – 00:12:35.400] Sini dapat dengan RM30,000 [00:12:35.400 – 00:12:36.980] Dan duit ni ambil berapa cepat? [00:12:37.240 – 00:12:38.640] Mungkin awak ambil setiap kuartal [00:12:38.640 – 00:12:40.540] Ini saya punya recommendation adalah [00:12:40.540 – 00:12:41.440] Kuartali [00:12:41.440 – 00:12:42.760] Ambil secara kuartal [00:12:42.760 – 00:12:44.500] Tak cepat sangat, tak lambat sangat [00:12:44.500 – 00:12:46.180] Tapi kalau awak susah nak kira [00:12:46.180 – 00:12:47.180] Ambil 6 bulan [00:12:47.180 – 00:12:49.700] 6 bulan juga sangat dicadangkan [00:12:49.700 – 00:12:51.940] Tapi saya tak cadang awak ambil final lah [00:12:51.940 – 00:12:53.200] Saya kalau boleh final ni [00:12:54.020 – 00:12:54.820] Lambat sangat [00:12:55.560 – 00:12:57.240] Final ni lambat sangat nak untung [00:12:57.240 – 00:12:59.140] Jadi yang tu problem dia [00:12:59.140 – 00:13:00.060] Ada tak ada [00:13:00.060 – 00:13:06.310] So final ni lambat sangat nak untung [00:13:06.310 – 00:13:07.830] Jadi awak kena ambil selama [00:13:07.830 – 00:13:09.150] 6 bulan lah [00:13:09.150 – 00:13:10.370] Paling sweet spot dia kat sini [00:13:10.370 – 00:13:12.250] Okay next pula adalah [00:13:12.250 – 00:13:13.610] Kita pergi pula kepada [00:13:13.610 – 00:13:14.470] Tips [00:13:14.470 – 00:13:16.070] Tips ni kalau tengok kat bawah tu [00:13:16.070 – 00:13:17.830] Try berpuasa selama [00:13:19.130 – 00:13:20.710] 1 bulan ataupun 3 bulan [00:13:20.710 – 00:13:22.770] lebih selamat. Maksudnya awak kalau boleh kan [00:13:22.770 – 00:13:24.690] memang saya ada tunjukkan [00:13:24.690 – 00:13:26.850] kalau awak nak ambil setiap bulan. Tapi [00:13:26.850 – 00:13:28.790] saya tak rekomen sangatlah. Kalau boleh try [00:13:28.790 – 00:13:30.210] untuk berpuasa [00:13:31.430 – 00:13:32.910] selama satu bulan [00:13:32.910 – 00:13:34.590] contohnya awak ambil bulan kedua ataupun [00:13:34.590 – 00:13:36.190] tiga bulan. Macam tu. [00:13:36.690 – 00:13:37.930] Dan seterusnya pula adalah [00:13:37.930 – 00:13:40.670] bila awak nak ambilkan duit ni, awak kena ikut [00:13:40.670 – 00:13:42.730] strategi. Tengok strategi atas tu. Saya tulis [00:13:42.730 – 00:13:44.250] dekat atas ni. [00:13:45.430 – 00:13:46.710] Strategi dia boleh baca kat situ. [00:13:48.670 – 00:13:50.110] Oh ini kena besar kan ni. [00:13:50.710 – 00:13:51.410] kita besarkan [00:13:51.410 – 00:13:53.250] tak apa saya tunjuk kat sini [00:13:53.250 – 00:13:54.410] nampak [00:13:55.190 – 00:13:55.870] tu [00:13:55.870 – 00:13:57.790] duit keluar masuk [00:13:57.790 – 00:13:59.030] terima payment [00:13:59.030 – 00:14:00.850] duit gaji [00:14:00.850 – 00:14:01.530] apa semua [00:14:01.530 – 00:14:02.450] ni setiap ada [00:14:02.450 – 00:14:03.270] one month opax [00:14:03.270 – 00:14:04.470] lepas tu [00:14:04.470 – 00:14:05.330] emergency account [00:14:05.330 – 00:14:06.810] kita lah duit kemarau [00:14:06.810 – 00:14:08.010] nampak boleh baca kat situ [00:14:08.010 – 00:14:09.370] kita nak simpan [00:14:09.370 – 00:14:10.770] dalam 3 ke 6 bulan sahaja [00:14:10.770 – 00:14:12.130] dan dividend account ni [00:14:12.130 – 00:14:13.430] kita akan bagi [00:14:13.430 – 00:14:14.730] kepada shareholder [00:14:14.730 – 00:14:16.170] so ini adalah [00:14:16.170 – 00:14:17.090] antara strategi dia [00:14:17.090 – 00:14:17.790] dan [00:14:17.790 – 00:14:18.770] inilah cara [00:14:18.770 – 00:14:19.510] macam mana awak [00:14:19.510 – 00:14:20.470] boleh ambil dividend [00:14:21.070 – 00:14:22.050] sebab dividend ni [00:14:22.050 – 00:14:23.270] bukan your corporate-corporat [00:14:23.270 – 00:14:23.850] menggah holding [00:14:23.850 – 00:14:24.330] dia boleh ambil [00:14:24.330 – 00:14:24.510] tak [00:14:24.510 – 00:14:25.390] kita pun boleh ambil [00:14:25.390 – 00:14:26.850] sebab kalau kita ambil gaji [00:14:26.850 – 00:14:27.730] kita akan [00:14:28.710 – 00:14:29.530] merugikan company [00:14:29.530 – 00:14:29.890] kenapa [00:14:29.890 – 00:14:30.830] kita akan declare company [00:14:30.830 – 00:14:31.310] tak ada profit [00:14:31.310 – 00:14:32.510] takkan awak tak nak buat [00:14:32.510 – 00:14:33.230] company awak profit [00:14:33.230 – 00:14:34.370] at least bila profit [00:14:34.370 – 00:14:35.010] awak bayar tax [00:14:35.010 – 00:14:36.150] walaupun awak bayar minimal [00:14:36.150 – 00:14:36.770] ke macam mana [00:14:36.770 – 00:14:38.150] macam mana awak nak adjust dia [00:14:38.150 – 00:14:39.230] yang penting profit [00:14:39.230 – 00:14:40.170] bukannya tak profit [00:14:40.170 – 00:14:40.550] nanti oh [00:14:40.550 – 00:14:41.110] just [00:14:41.110 – 00:14:42.290] ambil lah gaji [00:14:42.290 – 00:14:42.770] sekatilah [00:14:42.770 – 00:14:43.610] kejap ambil RM10,000 [00:14:43.610 – 00:14:44.370] kejap ambil RM20,000 [00:14:44.370 – 00:14:45.430] so saya nak awak [00:14:45.430 – 00:14:46.330] ambil gaji fix [00:14:46.330 – 00:14:47.530] contoh macam ni [00:14:47.530 – 00:14:48.690] gaji dia ambil RM5,000 [00:14:48.690 – 00:14:49.590] jangan kacau [00:14:50.370 – 00:14:52.310] maintain lah sebab tu dalam chapter sebelum ni saya dah [00:14:52.310 – 00:14:54.290] hajar awak. Bila awak nak ambil gaji ni [00:14:54.290 – 00:14:56.270] set level standard. Janganlah [00:14:56.270 – 00:14:58.430] nak lebih sangat sampai patutnya standard je [00:14:58.430 – 00:15:00.410] layan je lah standard. Dah agree kan dengan partner [00:15:00.410 – 00:15:02.310] semua ambil standard? Ambil standard. Duit [00:15:02.310 – 00:15:04.310] lebih semua simpan. Ambil sebagai [00:15:05.190 – 00:15:05.690] dividend [00:15:05.690 – 00:15:07.950] nanti. Jadi ini cara untuk awak [00:15:07.950 – 00:15:10.270] membayar gaji kepada business owner [00:15:10.270 – 00:15:12.250] So barulah share-share awak ni [00:15:12.250 – 00:15:14.010] yang awak dah janjikan ni, shareholder ni [00:15:14.010 – 00:15:16.350] ada nilai. Kalau tak, tak ada nilai lah [00:15:17.670 – 00:15:18.350] sekadar apa [00:15:18.350 – 00:15:19.410] Sekadar on paper je [00:15:19.410 – 00:15:20.170] Baik tak payah [00:15:20.170 – 00:15:21.850] Baik awak write enterprise ni macam tu [00:15:21.850 – 00:15:23.890] Awak write enterprise pun boleh buat macam ni [00:15:23.890 – 00:15:25.430] So awak buat shareholder agreement [00:15:25.950 – 00:15:26.810] Menyatakan bahawa [00:15:26.810 – 00:15:27.750] Bila ada keuntungan [00:15:27.750 – 00:15:28.570] Awak akan bahagikan [00:15:28.570 – 00:15:30.530] Ikut 70, 30 dan sebagainya [00:15:30.530 – 00:15:31.490] Tapi kena ingat eh [00:15:31.490 – 00:15:32.630] Untuk company enterprise [00:15:32.630 – 00:15:34.030] Sorry, sebenarnya bahat [00:15:34.030 – 00:15:35.270] Awak kena buat [00:15:35.270 – 00:15:36.170] Solvency test ni [00:15:36.630 – 00:15:37.370] At least lah [00:15:37.370 – 00:15:38.070] Kalau tak buat pun [00:15:38.070 – 00:15:38.770] Buat manual lah [00:15:38.770 – 00:15:39.950] At least awak dah buat secara internal [00:15:39.950 – 00:15:40.890] Kalau tak letih [00:15:40.890 – 00:15:41.510] Boleh bayar orang [00:15:41.510 – 00:15:42.370] Nak buat sendiri pun [00:15:42.370 – 00:15:42.850] Boleh juga [00:15:42.850 – 00:15:43.670] Yang penting awak tahu [00:15:43.670 – 00:15:44.850] Sebenarnya bukan kita main ambil je [00:15:44.850 – 00:15:46.330] Kita ada simple test [00:15:46.330 – 00:15:47.250] Yang kita check [00:15:47.250 – 00:15:48.670] sama ada company tu [00:15:48.670 – 00:15:49.730] stable atau tak stable [00:15:49.730 – 00:15:50.350] sebelum kita ambil [00:15:50.350 – 00:15:51.750] dan disebabkan awak dah simpan [00:15:51.750 – 00:15:52.790] duit kat emergency account ni [00:15:52.790 – 00:15:53.610] biasanya lulus je lah [00:15:53.610 – 00:15:54.570] sebab awak dah ada pun [00:15:54.570 – 00:15:55.250] simpanan [00:15:55.250 – 00:15:56.310] tapi kalau duit awak [00:15:56.310 – 00:15:56.890] ngam-ngam [00:15:56.890 – 00:15:57.950] awak pun tak tahu [00:15:57.950 – 00:15:59.130] eh ni duit customer ke [00:15:59.130 – 00:16:00.890] ni duit deposit customer ke [00:16:00.890 – 00:16:01.470] duit apa [00:16:01.470 – 00:16:02.630] kan habis [00:16:02.630 – 00:16:04.010] sebab tu dia adalah duit untung [00:16:04.010 – 00:16:05.190] bukannya duit yang ada dalam bank [00:16:05.190 – 00:16:06.770] mungkin 20 ribu [00:16:06.770 – 00:16:07.630] tapi duit yang ada dalam [00:16:07.630 – 00:16:08.310] account bank ni [00:16:08.310 – 00:16:09.250] sebenarnya kat sini ada [00:16:09.930 – 00:16:11.910] ada lagi 40k [00:16:12.610 – 00:16:13.690] so awak recognize [00:16:13.690 – 00:16:14.930] yang untung 20k je [00:16:14.930 – 00:16:15.830] lagi 20k tu adalah [00:16:15.830 – 00:16:16.690] duit running operation [00:16:16.690 – 00:16:17.530] Sebab tu kalau awak tengok tadi [00:16:18.650 – 00:16:19.210] Untuk [00:16:19.990 – 00:16:20.830] Operating account [00:16:21.570 – 00:16:22.690] Kita akan [00:16:22.690 – 00:16:23.530] Buat [00:16:23.530 – 00:16:25.430] Duit dalam operating account ni [00:16:25.430 – 00:16:26.350] Ada satu bulan [00:16:26.350 – 00:16:27.790] Yang ni dia ada [00:16:27.790 – 00:16:28.370] One month [00:16:28.370 – 00:16:29.070] Sahaja [00:16:29.990 – 00:16:30.550] Maximum [00:16:30.550 – 00:16:32.290] Katalah awak punya overhead awak adalah [00:16:32.290 – 00:16:33.550] Opex awak adalah [00:16:34.530 – 00:16:35.450] 12,000 [00:16:35.450 – 00:16:35.850] Bila tadi [00:16:35.850 – 00:16:36.710] Ha ni yang 12K kan [00:16:36.710 – 00:16:38.690] Awak punya operational expenses [00:16:38.690 – 00:16:39.250] 12K [00:16:39.250 – 00:16:40.170] Setiap bulan nak kena ada [00:16:40.170 – 00:16:41.270] So awak standby [00:16:41.270 – 00:16:42.350] RM12K lah [00:16:44.370 – 00:16:45.210] Dekat dalam [00:16:45.210 – 00:16:46.170] Operating account [00:16:46.170 – 00:16:47.990] So, duit ni dia takkan lebih daripada 12K [00:16:47.990 – 00:16:49.050] Kalau terlebih, transfer [00:16:49.650 – 00:16:51.830] Kalau dia terlebih, mungkin bukan duit untung [00:16:51.830 – 00:16:53.810] Maksudnya mungkin duit dalam ni adalah [00:16:54.530 – 00:16:55.050] 12K [00:16:55.730 – 00:16:57.010] Campur dengan duit customer [00:16:57.010 – 00:16:58.710] Mungkin duit customer ada 20K [00:16:59.250 – 00:17:00.490] Campur dengan 20K [00:17:00.490 – 00:17:01.550] Ni baru duit profit [00:17:01.550 – 00:17:03.950] So, total duit dalam ni sebenarnya ada dalam [00:17:05.390 – 00:17:05.910] 52K [00:17:07.110 – 00:17:09.450] Tapi awak janganlah ambil 52K ni untung [00:17:09.450 – 00:17:11.530] Yang untung sebenarnya 20K ni je [00:17:11.530 – 00:17:12.330] Yang kita ambil [00:17:12.330 – 00:17:14.410] Yang lagi 12 ni adalah duit simpanan [00:17:14.410 – 00:17:15.630] Memang nak kena standby dalam ni [00:17:15.630 – 00:17:16.170] 12 bulan [00:17:16.170 – 00:17:17.290] Sorry 12 ribu [00:17:17.290 – 00:17:18.130] Untuk OPEX [00:17:18.130 – 00:17:19.870] Yang 20 ribu ni pula [00:17:19.870 – 00:17:20.330] Duit customer [00:17:20.330 – 00:17:21.270] Yang customer dah berdeposit [00:17:21.270 – 00:17:22.230] So jangan kacau duit tu [00:17:22.230 – 00:17:22.670] Okay [00:17:22.670 – 00:17:23.550] So itu sahaja [00:17:23.550 – 00:17:24.310] Untuk kali ni [00:17:24.310 – 00:17:25.830] Jumpa lagi dalam video yang seterusnya [00:17:26.670 – 00:17:27.150] Zaz [00:17:28.530 – 00:17:28.830] Baik [00:17:28.830 – 00:17:29.590] Nampak dikering balik ya