Dividend Timeline Draf transkrip automatik penuh. Pembetulan istilah berdasarkan sumber direkodkan secara berasingan; tanda semakan menunjukkan perkataan yang perlu diperiksa. [00:00:04–00:00:29] 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. [semak: uncertain words, number or amount] [00:00:30–00:00:34] Dan kita ada satu lagi dipanggil sebagai special dividend [00:00:34–00:00:35] Dividend ni special [00:00:35–00:00:37] Okay, apakah itu final dividend? [semak: uncertain words] [00:00:37–00:00:38] Nampak [00:00:38–00:00:40] Dalam line yang saya tunjuk kat sini [00:00:40–00:00:40] Awak boleh tengok [semak: uncertain words] [00:00:40–00:00:43] Final dividend ni adalah satu dividend [00:00:43–00:00:46] Yang diambil pada hujung tahun [00:00:46–00:00:48] Katalah ini adalah bulan Januari [00:00:48–00:00:50] Ini adalah bulan Dezember [00:00:50–00:00:53] Pada tahun 2025 [semak: number or amount] [00:00:54–00:00:56] So, diambil di mana? [00:00:56–00:00:57] Di hujung tahun [00:00:58–00:00:59] Contohnya dekat sini [00:00:59–00:01:00] sini lah kita ambil [semak: uncertain words] [00:01:00–00:01:02] sini kita ambil dividend [00:01:03–00:01:05] sebab tu nama dia final [00:01:05–00:01:07] so standard company dia akan ambil [00:01:07–00:01:09] dividend secara final [00:01:09–00:01:12] ok itu adalah dividend yang pertama [00:01:12–00:01:13] ini paling typical lah, paling common [00:01:13–00:01:16] dan dividend ni diberikan pada tujuan tahun [semak: uncertain words] [00:01:16–00:01:17] settle, dividend kedua adalah [semak: uncertain words] [00:01:17–00:01:19] intrim, intrim ni maksudnya apa? [semak: uncertain words] [00:01:19–00:01:21] tak dengar tak? intrim prime minister [semak: uncertain words] [00:01:22–00:01:23] ataupun [00:01:23–00:01:25] sementara lah, dia macam [00:01:25–00:01:27] ibaratnya macam intrim [00:01:27–00:01:29] Dividend ni adalah dividend yang dia ambil [semak: uncertain words] [00:01:29–00:01:30] Mengikut jadual [00:01:30–00:01:33] Dan dia ambil pada waktu yang awal [semak: uncertain words] [00:01:33–00:01:34] Dia ambil lebih awal lah [00:01:34–00:01:37] Contohnya kita buat jadual [00:01:37–00:01:39] Kita nak buat 4 kuarta [semak: uncertain words, number or amount] [00:01:41–00:01:43] Kuarta 1 [semak: number or amount] [00:01:43–00:01:44] Kuarta 2 [semak: number or amount] [00:01:44–00:01:45] Kuarta 3 [semak: number or amount] [00:01:45–00:01:47] Kuarta 4 [semak: number or amount] [00:01:47–00:01:48] Kita ambil [00:01:48–00:01:50] So kat sini kita ambil lah [00:01:50–00:01:52] Kat sini kita ambil [semak: uncertain words] [00:01:52–00:01:54] Katalah dividend yang final ni kita ambil [semak: uncertain words] [00:01:54–00:01:55] Seterus keligus RM [00:01:56–00:01:57] RM400K [semak: uncertain words, number or amount] [00:01:57–00:01:58] For example [semak: uncertain words] [00:01:59–00:02:00] Dividend RM400,000 [semak: number or amount] [00:02:00–00:02:03] Tapi dekat sini kita ambil sikit-sikit [semak: uncertain words] [00:02:03–00:02:04] Kita ambil RM100,000 [semak: number or amount] [00:02:05–00:02:06] RM100,000 [semak: number or amount] [00:02:06–00:02:08] RM100,000 [semak: number or amount] [00:02:08–00:02:10] RM100,000 [semak: number or amount] [00:02:11–00:02:13] Kenapa wujudnya incline dividend ni pula? [semak: uncertain words] [00:02:13–00:02:15] Sebab kadang-kadang nak tunggu final ni [00:02:15–00:02:17] Tak merasa kemanisan bisnes [00:02:17–00:02:18] Bila nak ambil dividendnya? [00:02:19–00:02:20] Sebab bos ni dia tak ambil gaji [00:02:20–00:02:22] So dia tangguplah tunggu hujung tahun [00:02:22–00:02:24] Dah betul-betul untung baru nak ambil [00:02:24–00:02:26] Jadi kita akan gunakan interim dividend [semak: uncertain words] [00:02:26–00:02:29] Sebagai satu vehicle, satu cara [semak: uncertain words] [00:02:29–00:02:30] Untuk kita ambil sikit-sikit [00:02:30–00:02:32] Ambil sikit-sikit-sikit [00:02:32–00:02:33] So gaji bos berapa? [semak: uncertain words] [00:02:33–00:02:36] Katalah gaji basic bos ni adalah RM5,000 [semak: uncertain words, number or amount] [00:02:36–00:02:37] Per month [semak: uncertain words] [00:02:37–00:02:39] Campurlah dengan interim dividend [00:02:39–00:02:42] Katalah kuartal ni adalah 3 bulan [semak: number or amount] [00:02:42–00:02:43] So kita dapat berapa kat sini? [00:02:44–00:02:45] RM100K [semak: number or amount] [00:02:45–00:02:47] Tapi bahagi dengan 3 bulan [semak: number or amount] [00:02:47–00:02:49] Sebab ini setelah berpuasa [00:02:49–00:02:50] Selama 3 bulan [semak: number or amount] [00:02:50–00:02:52] Jadi sebulan dia dapat berapa? [00:02:52–00:02:53] Adalah RM33 [semak: number or amount] [00:02:54–00:02:56] Jadi gaji boss kat sini [semak: uncertain words] [00:02:56–00:02:59] Adalah RM38,000 [semak: number or amount] [00:02:59–00:03:00] Nampak? [00:03:00–00:03:01] Tapi at least [00:03:01–00:03:02] Boss kat sini [00:03:02–00:03:04] Tak adalah dia ambil sekaligus [00:03:04–00:03:05] Main ambil je RM10,000 [semak: number or amount] [00:03:05–00:03:06] RM20,000 sekaligus [semak: number or amount] [00:03:06–00:03:07] So kita gunakan dividend [00:03:07–00:03:08] Bank happy [00:03:08–00:03:09] Investor happy [00:03:09–00:03:10] Semua orang happy [00:03:10–00:03:11] Yang tak happy kena bayar tax je lah [00:03:11–00:03:12] Tapi tax ada benefit [00:03:12–00:03:14] So ini adalah interim dividend [00:03:14–00:03:15] Dan perasan tak [00:03:15–00:03:16] Bila saya lukis [00:03:16–00:03:18] Dia kena ambil pada tahun yang sama [00:03:18–00:03:20] Dia biasanya kena ambil pada [00:03:20–00:03:21] Same [00:03:22–00:03:22] year [semak: uncertain words] [00:03:24–00:03:26] kalau kita ambil pada tahun berikutnya [semak: uncertain words] [00:03:26–00:03:27] contoh dalam gambar yang saya buat ni [00:03:28–00:03:30] katalah kita ambil pada tahun yang berikutnya [00:03:30–00:03:31] maksudnya pada tahun [00:03:32–00:03:33] ok, ini kita dah [semak: uncertain words] [00:03:33–00:03:34] kita dah telajak dah ni [00:03:34–00:03:37] dah masuk tahun depan, kita ambil dekat sini [00:03:37–00:03:39] sedangkan sini adalah tahun [00:03:40–00:03:40] 2025 [semak: number or amount] [00:03:42–00:03:43] sini adalah tahun [00:03:44–00:03:44] 2026 [semak: number or amount] [00:03:44–00:03:47] kita ambil kat sini, maka ini dikira sebagai [semak: uncertain words] [00:03:47–00:03:49] dividend tahun 2026, macam tu [semak: number or amount] [00:03:49–00:03:51] maksudnya duit kita tak ambil, kita carry [00:03:51–00:03:53] Forward tahun depan. So bila kita bayar [semak: uncertain words] [00:03:53–00:03:55] Dividend. Boleh tak bayar dividend bulan satu? Boleh je [semak: uncertain words] [00:03:55–00:03:57] Maksudnya dividend yang dibayar bulan satu [00:03:57–00:03:59] Adalah hasil tahun lepas punya profit lah tu [00:03:59–00:04:00] Cuma kita carry forward ke depan [00:04:00–00:04:03] Okay next pula adalah special dividend [semak: uncertain words] [00:04:04–00:04:05] Nama pun special [00:04:05–00:04:07] Dia ikut suka hati. Bos nak bagi bila-bila [00:04:07–00:04:09] Sebab tu dia suka hatilah [semak: uncertain words] [00:04:09–00:04:11] Macam interim dividend ni dia dijadual biasanya [00:04:11–00:04:13] Dia sama ada 2 bulan [semak: number or amount] [00:04:13–00:04:14] 4 bulan [semak: number or amount] [00:04:14–00:04:17] 6 bulan. Macam tu lah. Dia jadual lah [semak: number or amount] [00:04:17–00:04:19] Macam setahun tu kalau 2 bulan [semak: number or amount] [00:04:19–00:04:20] Dia ambil [00:04:20–00:04:21] 6 kali [semak: number or amount] [00:04:21–00:04:23] Nak ambil setiap bulan boleh ke? [00:04:23–00:04:24] Boleh je [00:04:24–00:04:25] Takde hal pun [00:04:25–00:04:26] Kita buat dia [00:04:26–00:04:27] Takde right and wrong pun [00:04:27–00:04:28] Cuma awak kena tahu [00:04:28–00:04:29] Setiap kali [00:04:29–00:04:30] Kita ambil dividen [semak: uncertain words] [00:04:30–00:04:31] Kita kena buat [00:04:31–00:04:32] Satu test [semak: uncertain words] [00:04:32–00:04:34] Yang dipanggil sebagai [00:04:34–00:04:34] Search up [semak: uncertain words] [00:04:35–00:04:36] Solvency test [00:04:37–00:04:38] Sol [00:04:39–00:04:40] Ven [semak: uncertain words] [00:04:40–00:04:41] Si [semak: uncertain words] [00:04:41–00:04:41] Test [00:04:41–00:04:43] Cuba search kat Cik J.B.T. sekejap [semak: uncertain words] [00:04:43–00:04:43] Tengok [00:04:43–00:04:45] Apa itu solvency test [00:04:45–00:04:46] Saya nak keluarkan formula dia [00:04:46–00:04:48] Ok kita pergi dulu kat sini [semak: uncertain words] [00:04:48–00:04:49] Sementara admin tengah mencari jawapan [00:04:49–00:04:51] Special dividend ni [00:04:51–00:04:52] Dia berikan suka hati [semak: uncertain words] [00:04:52–00:04:53] Contohnya dia pergi dekat sini [00:04:53–00:04:55] Ini waktu bila? [00:04:55–00:04:56] Waktu bulan 4 [semak: number or amount] [00:04:57–00:04:58] Musim raya [00:04:58–00:04:58] April [00:04:58–00:04:59] Contohnya [00:04:59–00:05:00] Oh musim raya [00:05:00–00:05:01] Alhamdulillah [00:05:01–00:05:02] Dapat profit [00:05:02–00:05:03] Kita release lah kat sini [00:05:03–00:05:04] Berapa bagi? [00:05:04–00:05:05] Kita bagi ke debum [semak: uncertain words] [00:05:05–00:05:07] Sebab semua orang nak raya [00:05:07–00:05:07] Bos pun nak raya [semak: uncertain words] [00:05:07–00:05:08] Ingat staff je nak raya [00:05:08–00:05:10] Bos pun nak hari raya [00:05:10–00:05:12] Dapatlah RM200,000 kat sini [semak: number or amount] [00:05:12–00:05:12] Contohnya [00:05:12–00:05:13] So [00:05:13–00:05:15] Special dividend [00:05:15–00:05:15] Diambil [00:05:15–00:05:17] Semperna sesuatu [00:05:17–00:05:18] Sempena peristiwa [semak: uncertain words] [00:05:18–00:05:19] Dia berikan secara random [semak: uncertain words] [00:05:19–00:05:20] Ok ada [semak: uncertain words] [00:05:20–00:05:22] Solvency test [00:05:22–00:05:22] Ok [00:05:22–00:05:24] Abang boleh search dekat dalam [00:05:24–00:05:25] Google ke mana-mana [00:05:25–00:05:26] Tanya [00:05:26–00:05:26] Tengok ni [00:05:26–00:05:27] Ayat dia adalah [00:05:27–00:05:29] Solvency test [00:05:29–00:05:30] Ok [00:05:30–00:05:32] Tolong buat satu test ni [00:05:32–00:05:33] Yang dipanggil sebagai [00:05:33–00:05:34] Test solvency [00:05:34–00:05:36] Dia adalah ujian kewangan [00:05:36–00:05:38] Solvency test ni adalah ujian kewangan [00:05:38–00:05:40] Untuk kita check [00:05:40–00:05:41] Company kita [00:05:41–00:05:43] Ok ke tak ok [00:05:44–00:05:46] Ok ke tak ok [00:05:46–00:05:47] Untuk kita ambil [00:05:47–00:05:48] Sebab kita takut [semak: uncertain words] [00:05:48–00:05:49] Soversi test ni [semak: uncertain words] [00:05:49–00:05:50] Katakanlah company tak ok [00:05:51–00:05:53] Kalau company jatuh bankrupt [00:05:53–00:05:54] Siapa yang akan dibesalahkan [00:05:54–00:05:56] Director akan dibesalahkan [00:05:56–00:05:57] So the soversi test ni adalah [semak: uncertain words] [00:05:57–00:05:59] Ujian kewangan untuk cek [semak: uncertain words] [00:05:59–00:06:00] Sebuah syarikat [00:06:00–00:06:02] Ada tak keupayaan untuk [00:06:02–00:06:03] Bayar balik [00:06:03–00:06:03] Tengok macam tu [semak: uncertain words] [00:06:05–00:06:05] Soversi test ni [00:06:05–00:06:07] Satu ujian kewangan untuk cek [00:06:07–00:06:08] Sama ada sebuah syarikat [00:06:08–00:06:09] Ada keupayaan [00:06:09–00:06:10] Jangka masa panjang [00:06:10–00:06:11] Untuk bayar semua hutang [00:06:11–00:06:11] Tanggungjawab kewangan [00:06:11–00:06:14] Ok so itu adalah ayat dia [semak: uncertain words] [00:06:14–00:06:15] Wah habuk-habuk lah [semak: uncertain words] [00:06:15–00:06:15] Elap sikit [semak: uncertain words] [00:06:16–00:06:18] Kalau sovereignty test lulus [semak: uncertain words] [00:06:18–00:06:19] Maksudnya bolehlah kita ambil [00:06:19–00:06:20] So harga dia tak mahal guys [00:06:20–00:06:22] Biasanya kalau awak refer dengan konsep awak [semak: uncertain words] [00:06:22–00:06:24] Sovereignty test ni dalam RM tak silap saya [semak: uncertain words] [00:06:25–00:06:26] RM290 macam tu lah [semak: number or amount] [00:06:26–00:06:27] Murah-murah je lah [00:06:27–00:06:28] Ada macam satu testing [00:06:28–00:06:31] Nak check company ni mampu ke tak payah dividend [00:06:31–00:06:32] So kalau awak nak ambil banyak kali [00:06:32–00:06:34] Macam ni 4 kali [semak: number or amount] [00:06:34–00:06:34] Buatlah setiap kali ni [00:06:34–00:06:36] Buat internal eh [semak: uncertain words] [00:06:36–00:06:37] Dia secara dalaman je [00:06:37–00:06:38] Internal sovereignty test [00:06:38–00:06:40] Jadi kita dah lepas tanggungjawab [00:06:40–00:06:41] Kita check oh company layak [semak: uncertain words] [00:06:41–00:06:42] That's why lah [00:06:42–00:06:44] Ada teknik 5 bank account [semak: uncertain words, number or amount] [00:06:44–00:06:44] Kita asingkan [00:06:44–00:06:46] Ataupun 3 bank account [semak: number or amount] [00:06:46–00:06:46] Kita asingkan [semak: uncertain words] [00:06:46–00:06:48] Bank bank bank bank bank tu semua [semak: uncertain words] [00:06:48–00:06:49] Okay [semak: uncertain words] [00:06:49–00:06:51] Dan saya nak memperkenalkan teknik 3 bank account ni [semak: number or amount] [00:06:51–00:06:53] Yang mana membolehkan [00:06:53–00:06:54] Awak ambil dividend [00:06:54–00:06:56] Tanpa rasa bersalah [00:06:56–00:06:56] Okay [00:06:56–00:06:57] 3 [semak: number or amount] [00:06:58–00:06:58] Bank [semak: uncertain words] [00:06:59–00:06:59] Account [semak: uncertain words] [00:07:01–00:07:02] First sekali kita lukis [00:07:02–00:07:03] Kotak macam ni [00:07:03–00:07:05] Macam dalam gambar rajah tu [00:07:06–00:07:07] Benda ni pun ada [00:07:07–00:07:08] Saya share dalam video kat tiktok [00:07:08–00:07:09] So kalau awak nak tengok [00:07:09–00:07:10] Boleh tengok dalam tu [00:07:10–00:07:12] Tapi ni saya buat secara summary lah [00:07:12–00:07:13] Sebab dia tak perlu tu [00:07:13–00:07:14] detail sangat pun, benda ni basic je [semak: uncertain words] [00:07:15–00:07:17] dan boleh terus apply [00:07:17–00:07:19] ok, teknik 3 bank account ni [semak: uncertain words, number or amount] [00:07:19–00:07:21] dia lebih simple, yang mana teknik [00:07:21–00:07:22] 3 bank account ni, awak buat satu account [semak: number or amount] [00:07:22–00:07:24] nombor dia operating [00:07:26–00:07:26] account [00:07:27–00:07:29] awak buat satu lagi account [00:07:29–00:07:30] dinamakan sebagai [00:07:32–00:07:35] emergency account [00:07:36–00:07:37] dan next account [00:07:37–00:07:38] dipanggil sebagai [00:07:39–00:07:40] dividend [00:07:41–00:07:42] ok sangat [semak: uncertain words] [00:07:46–00:07:49] oh, teknik 3 [semak: uncertain words, number or amount] [00:07:49–00:07:50] bank account [00:07:50–00:07:53] ok, dengan menggunakan teknik [semak: uncertain words] [00:07:53–00:07:54] 3 bank account ni [semak: number or amount] [00:07:54–00:07:59] awak akan flowkan duit [00:07:59–00:08:01] daripada atas ke bawah, contohnya account ni [00:08:01–00:08:03] kita gunakan lah, situasi ni adalah [00:08:03–00:08:04] account Maybank [00:08:04–00:08:07] ok, awak boleh letak dekat Maybank kat sini [semak: uncertain words] [00:08:08–00:08:09] Maybank [00:08:09–00:08:12] so duit masuk, semua pusing [00:08:12–00:08:13] kat Maybank, kalau ada profit [00:08:13–00:08:15] barulah profit tu transfer dekat sini [00:08:16–00:08:18] contohnya awak ada [00:08:18–00:08:19] RM [00:08:20–00:08:21] 20k [semak: uncertain words, number or amount] [00:08:21–00:08:22] Profit [00:08:22–00:08:23] Untung [00:08:23–00:08:24] So [00:08:24–00:08:26] 20k profit ni [semak: number or amount] [00:08:26–00:08:27] Macam mana nak transfer dia [00:08:27–00:08:29] Saya nak berpunyai dengan awak [semak: uncertain words] [00:08:29–00:08:29] Dua formula [semak: uncertain words] [00:08:29–00:08:32] Yang saya rasa sangat simple lah [00:08:32–00:08:33] Kalau nak follow pun boleh [00:08:33–00:08:35] Formula pertama adalah [00:08:35–00:08:36] 80 [semak: number or amount] [00:08:37–00:08:38] 20 [semak: number or amount] [00:08:38–00:08:38] 20 [semak: number or amount] [00:08:39–00:08:39] 80 [semak: uncertain words, number or amount] [00:08:40–00:08:41] 20 [semak: number or amount] [00:08:41–00:08:42] 80 [semak: number or amount] [00:08:42–00:08:43] Ataupun [00:08:43–00:08:44] 50 [semak: number or amount] [00:08:44–00:08:45] 50 [semak: number or amount] [00:08:45–00:08:46] Maksudnya apa [00:08:46–00:08:48] Bila awak transfer [00:08:48–00:08:49] Daripada operating account [00:08:49–00:08:50] Masuk dekat business account [semak: uncertain words] [00:08:50–00:08:52] kita nak simpan duit sikit [semak: uncertain words] [00:08:52–00:08:54] kalau tak sikit pun banyak lah [semak: uncertain words] [00:08:54–00:08:56] kalau tak banyak pun sikit [00:08:56–00:08:56] eh macam sama je [00:08:56–00:08:59] kalau kita simpan sikit kita ambil 20% sahaja [semak: number or amount] [00:08:59–00:09:01] daripada 20k [semak: number or amount] [00:09:01–00:09:02] so 20% daripada 20k [semak: number or amount] [00:09:02–00:09:04] kita saving kat sini 4k [semak: number or amount] [00:09:04–00:09:06] masuk dalam business account [semak: uncertain words] [00:09:06–00:09:08] dalam dividend account pula [00:09:08–00:09:10] kita simpan sebanyak 80% [semak: number or amount] [00:09:10–00:09:13] maka awak menyimpan sebanyak 16k [semak: number or amount] [00:09:14–00:09:17] tapi kalau awak nak buat situasi kedua [00:09:17–00:09:19] awak 50-50 pun boleh juga [semak: number or amount] [00:09:19–00:09:20] Kalau awak buat 50-50 [semak: number or amount] [00:09:20–00:09:21] Maksudnya [00:09:21–00:09:23] Option yang seterusnya lah [00:09:23–00:09:24] Saya buat colour [00:09:24–00:09:24] Biru [00:09:25–00:09:26] 50% [semak: number or amount] [00:09:26–00:09:27] Masuk sini [00:09:27–00:09:28] Equal [00:09:28–00:09:28] 10k [semak: number or amount] [00:09:29–00:09:30] 50% [semak: number or amount] [00:09:30–00:09:31] Masuk sini [00:09:31–00:09:32] Equal [00:09:33–00:09:33] 10k juga [semak: number or amount] [00:09:33–00:09:34] Okay [semak: uncertain words] [00:09:34–00:09:36] Dia ikut awak nak [00:09:36–00:09:37] Agresif [00:09:37–00:09:37] Ataupun [00:09:37–00:09:38] Konservatif [00:09:38–00:09:39] Nak selamat ke [00:09:39–00:09:40] Nak cepat ke [00:09:40–00:09:40] Macam mana [00:09:40–00:09:42] Berapa banyak duit nak simpan dalam [semak: uncertain words] [00:09:42–00:09:43] Majin saya account [semak: uncertain words] [00:09:43–00:09:43] By the way [00:09:43–00:09:45] Sebab kita kan menyimpan-yimpan-yimpan ni [00:09:45–00:09:46] Saya cadangkan jangan lebih daripada [semak: uncertain words] [00:09:46–00:09:48] 3 ke 6 bulan [semak: number or amount] [00:09:48–00:09:49] OPEX [00:09:53–00:09:53] OPEX [00:09:53–00:09:55] Operational Expenses [00:09:55–00:09:56] Contohnya awak punya [00:09:56–00:09:57] Kos operasi awak adalah [semak: uncertain words] [00:09:57–00:09:58] RM12,000 [semak: number or amount] [00:09:58–00:10:00] Darablah dengan 3 bulan [semak: number or amount] [00:10:00–00:10:01] Awak dapat 36K [semak: number or amount] [00:10:01–00:10:03] Ini je duit yang awak nak simpan [00:10:03–00:10:04] Dalam emergency account [00:10:04–00:10:05] Ataupun awak nak ambil [00:10:05–00:10:06] Lebih selamat lah [00:10:06–00:10:07] Kita ambil 12,000 [semak: uncertain words, number or amount] [00:10:07–00:10:09] Tapi darab dengan 6 bulan [semak: number or amount] [00:10:09–00:10:10] Awak dapat RM [00:10:11–00:10:12] RM12,000 [semak: uncertain words, number or amount] [00:10:14–00:10:14] 72K [semak: uncertain words, number or amount] [00:10:15–00:10:16] Ini dua duit [semak: uncertain words] [00:10:16–00:10:18] Jadi awak akan menyimpan [semak: uncertain words] [00:10:18–00:10:19] Menyimpan-menyimpan [00:10:19–00:10:21] So dia akan simpan sikit-sikit lah [00:10:21–00:10:22] Takkanlah duit untung [00:10:22–00:10:23] RM20,000 semua simpan kat emergency [semak: number or amount] [00:10:23–00:10:24] Bila nak ambil dividend [semak: uncertain words] [00:10:24–00:10:25] Memanglah laju [00:10:25–00:10:26] Betul [semak: uncertain words] [00:10:26–00:10:27] Awak boleh je buat [00:10:27–00:10:28] 100% masuk kat emergency [semak: number or amount] [00:10:28–00:10:28] Boleh je [00:10:28–00:10:30] Tapi saya tak recommend [00:10:30–00:10:31] Sebab saya nak awak rasa [00:10:31–00:10:32] Untung setiap bulan [semak: uncertain words] [00:10:32–00:10:32] Contoh [00:10:32–00:10:34] Katakanlah awak nak [00:10:34–00:10:35] Kumpul RM36,000 [semak: number or amount] [00:10:35–00:10:35] Berapa lama [00:10:35–00:10:37] Kalau awak kumpul terus RM20,000 [semak: number or amount] [00:10:37–00:10:38] RM20,000 masuk sini [semak: number or amount] [00:10:38–00:10:39] RM20,000 masuk sini [semak: number or amount] [00:10:39–00:10:40] Cukup 2 bulan [semak: number or amount] [00:10:40–00:10:41] Dapat RM40,000 [semak: uncertain words, number or amount] [00:10:41–00:10:41] Betul [00:10:42–00:10:43] Kalau semua duit profit [00:10:43–00:10:44] Masuk kat emergency [00:10:44–00:10:45] Tapi saya tak nak buat macam tu [00:10:45–00:10:46] Saya cadangkan [00:10:46–00:10:47] Kalau paling agresif pun [00:10:47–00:10:48] RM50,000 [semak: number or amount] [00:10:48–00:10:49] Maksudnya [00:10:49–00:10:50] Setiap bulan [00:10:50–00:10:50] Awak menyimpan [semak: uncertain words] [00:10:50–00:10:52] sebanyak RM10,000. So, berapa [semak: number or amount] [00:10:52–00:10:54] lama nak simpan? 4 bulan [semak: uncertain words, number or amount] [00:10:55–00:10:56] 4 bulan [semak: uncertain words, number or amount] [00:10:56–00:10:58] simpan sikit-sikit-sikit, darab dengan [00:10:58–00:11:00] RM10,000, maka awak akan dapat [semak: number or amount] [00:11:00–00:11:02] equal RM40,000. So, cukup lah [semak: number or amount] [00:11:02–00:11:04] duit awak ni. Maka pada [00:11:04–00:11:06] bulan yang ke-5, bulan yang ke-5 [semak: number or amount] [00:11:07–00:11:08] duit extra ni [00:11:08–00:11:10] dia dah masuk terus kat sini [00:11:10–00:11:12] maksudnya tak payah simpan dah duit kat emergency [00:11:12–00:11:14] semua duit RM20,000 [semak: uncertain words, number or amount] [00:11:14–00:11:16] masuk terus dekat dividend account [00:11:16–00:11:18] RM20,000. Macam tu [semak: number or amount] [00:11:18–00:11:20] sebab dah penuh. Kenapa [semak: uncertain words] [00:11:20–00:11:22] kita tak nak simpan banyak sangat [00:11:22–00:11:24] sebab kita tak nak awak jadi malas [00:11:24–00:11:26] boss jadi malas, staff jadi malas [semak: uncertain words] [00:11:26–00:11:28] kita dah jadi selesa [00:11:28–00:11:30] complacent, sebab tu saya nak awak buat [semak: uncertain words] [00:11:31–00:11:32] emergency account ni ada [00:11:32–00:11:34] sikit-sikit cekuplah, ikut nature, kalau awak [00:11:34–00:11:36] banyak melibatkan pembayaran, banyak risiko [00:11:36–00:11:38] ambil 6 bulan, itu paling [semak: number or amount] [00:11:38–00:11:40] maximum, kalau tak ambil 3 bulan [semak: uncertain words, number or amount] [00:11:40–00:11:42] so bila kita bagi duit pada investor [00:11:42–00:11:44] pada kita lah shareholder, business owner [semak: uncertain words] [00:11:44–00:11:46] barulah kita rasa kemandisan bisnes [00:11:46–00:11:48] kalau tak kita nak rompak-rompak duit syarikat [00:11:48–00:11:50] dengan cara yang tak halal, cara yang [00:11:50–00:11:52] tak, kemas lah, so ni lebih kemas [semak: uncertain words] [00:11:52–00:11:54] so kita asingkan, dan apa-apa berlaku [semak: uncertain words] [00:11:54–00:11:56] nak bayar tax, ambil daripada emergency account [semak: uncertain words] [00:11:56–00:11:58] katalah hujung tahun nanti, awak nak bayar tax [00:11:58–00:12:00] mana nak cari duit nak bayar tax, boleh [00:12:00–00:12:02] ambil daripada emergency account, dan dividend [00:12:02–00:12:04] account ni pun guys, sebenarnya, bila kita [00:12:04–00:12:06] release kepada investor, ataupun [00:12:06–00:12:08] kita sendiri shareholder, kita akan [00:12:08–00:12:10] release mengikut share, contohnya dividend [00:12:10–00:12:12] account ni dah penuh, ok saya tarik account ni [semak: uncertain words] [00:12:12–00:12:14] tarik account ni, dividend account [00:12:14–00:12:15] awak dah ada RM [00:12:16–00:12:18] RM200,000, Alhamdulillah [semak: uncertain words, number or amount] [00:12:18–00:12:19] ambil RM100,000 lah [semak: number or amount] [00:12:19–00:12:22] So 100 ribu ni pecah lah kepada 3 orang tadi [semak: uncertain words, number or amount] [00:12:22–00:12:23] 40% [semak: uncertain words, number or amount] [00:12:23–00:12:25] 30% [semak: number or amount] [00:12:26–00:12:27] 20% [semak: number or amount] [00:12:29–00:12:30] So setiap seorang dapat lah [semak: uncertain words] [00:12:30–00:12:31] Sini RM40,000 [semak: uncertain words, number or amount] [00:12:31–00:12:33] Sini dapat RM30,000 [semak: number or amount] [00:12:33–00:12:35] Sini dapat dengan RM30,000 [semak: number or amount] [00:12:35–00:12:36] Dan duit ni ambil berapa cepat? [00:12:37–00:12:38] Mungkin awak ambil setiap kuartal [00:12:38–00:12:40] Ini saya punya recommendation adalah [00:12:40–00:12:41] Kuartali [semak: uncertain words] [00:12:41–00:12:42] Ambil secara kuartal [00:12:42–00:12:44] Tak cepat sangat, tak lambat sangat [00:12:44–00:12:46] Tapi kalau awak susah nak kira [00:12:46–00:12:47] Ambil 6 bulan [semak: number or amount] [00:12:47–00:12:49] 6 bulan juga sangat dicadangkan [semak: number or amount] [00:12:49–00:12:51] Tapi saya tak cadang awak ambil final lah [semak: uncertain words] [00:12:51–00:12:53] Saya kalau boleh final ni [00:12:54–00:12:54] Lambat sangat [00:12:55–00:12:57] Final ni lambat sangat nak untung [00:12:57–00:12:59] Jadi yang tu problem dia [00:12:59–00:13:00] Ada tak ada [semak: uncertain words] [00:13:00–00:13:06] So final ni lambat sangat nak untung [00:13:06–00:13:07] Jadi awak kena ambil selama [00:13:07–00:13:09] 6 bulan lah [semak: number or amount] [00:13:09–00:13:10] Paling sweet spot dia kat sini [00:13:10–00:13:12] Okay next pula adalah [semak: uncertain words] [00:13:12–00:13:13] Kita pergi pula kepada [00:13:13–00:13:14] Tips [semak: uncertain words] [00:13:14–00:13:16] Tips ni kalau tengok kat bawah tu [semak: uncertain words] [00:13:16–00:13:17] Try berpuasa selama [00:13:19–00:13:20] 1 bulan ataupun 3 bulan [semak: number or amount] [00:13:20–00:13:22] lebih selamat. Maksudnya awak kalau boleh kan [00:13:22–00:13:24] memang saya ada tunjukkan [semak: uncertain words] [00:13:24–00:13:26] kalau awak nak ambil setiap bulan. Tapi [semak: uncertain words] [00:13:26–00:13:28] saya tak rekomen sangatlah. Kalau boleh try [00:13:28–00:13:30] untuk berpuasa [00:13:31–00:13:32] selama satu bulan [00:13:32–00:13:34] contohnya awak ambil bulan kedua ataupun [00:13:34–00:13:36] tiga bulan. Macam tu. [00:13:36–00:13:37] Dan seterusnya pula adalah [00:13:37–00:13:40] bila awak nak ambilkan duit ni, awak kena ikut [00:13:40–00:13:42] strategi. Tengok strategi atas tu. Saya tulis [00:13:42–00:13:44] dekat atas ni. [00:13:45–00:13:46] Strategi dia boleh baca kat situ. [semak: uncertain words] [00:13:48–00:13:50] Oh ini kena besar kan ni. [semak: uncertain words] [00:13:50–00:13:51] kita besarkan [semak: uncertain words] [00:13:51–00:13:53] tak apa saya tunjuk kat sini [semak: uncertain words] [00:13:53–00:13:54] nampak [00:13:55–00:13:55] tu [00:13:55–00:13:57] duit keluar masuk [00:13:57–00:13:59] terima payment [00:13:59–00:14:00] duit gaji [00:14:00–00:14:01] apa semua [00:14:01–00:14:02] ni setiap ada [semak: uncertain words] [00:14:02–00:14:03] one month opax [semak: uncertain words] [00:14:03–00:14:04] lepas tu [00:14:04–00:14:05] emergency account [00:14:05–00:14:06] kita lah duit kemarau [semak: uncertain words] [00:14:06–00:14:08] nampak boleh baca kat situ [00:14:08–00:14:09] kita nak simpan [00:14:09–00:14:10] dalam 3 ke 6 bulan sahaja [semak: number or amount] [00:14:10–00:14:12] dan dividend account ni [00:14:12–00:14:13] kita akan bagi [00:14:13–00:14:14] kepada shareholder [00:14:14–00:14:16] so ini adalah [00:14:16–00:14:17] antara strategi dia [00:14:17–00:14:17] dan [00:14:17–00:14:18] inilah cara [00:14:18–00:14:19] macam mana awak [00:14:19–00:14:20] boleh ambil dividend [00:14:21–00:14:22] sebab dividend ni [semak: uncertain words] [00:14:22–00:14:23] bukan your corporate-corporat [semak: uncertain words] [00:14:23–00:14:23] menggah holding [00:14:23–00:14:24] dia boleh ambil [00:14:24–00:14:24] tak [semak: uncertain words] [00:14:24–00:14:25] kita pun boleh ambil [semak: uncertain words] [00:14:25–00:14:26] sebab kalau kita ambil gaji [00:14:26–00:14:27] kita akan [00:14:28–00:14:29] merugikan company [00:14:29–00:14:29] kenapa [00:14:29–00:14:30] kita akan declare company [semak: uncertain words] [00:14:30–00:14:31] tak ada profit [00:14:31–00:14:32] takkan awak tak nak buat [00:14:32–00:14:33] company awak profit [00:14:33–00:14:34] at least bila profit [00:14:34–00:14:35] awak bayar tax [00:14:35–00:14:36] walaupun awak bayar minimal [00:14:36–00:14:36] ke macam mana [00:14:36–00:14:38] macam mana awak nak adjust dia [00:14:38–00:14:39] yang penting profit [00:14:39–00:14:40] bukannya tak profit [00:14:40–00:14:40] nanti oh [00:14:40–00:14:41] just [00:14:41–00:14:42] ambil lah gaji [semak: uncertain words] [00:14:42–00:14:42] sekatilah [00:14:42–00:14:43] kejap ambil RM10,000 [semak: number or amount] [00:14:43–00:14:44] kejap ambil RM20,000 [semak: number or amount] [00:14:44–00:14:45] so saya nak awak [00:14:45–00:14:46] ambil gaji fix [00:14:46–00:14:47] contoh macam ni [00:14:47–00:14:48] gaji dia ambil RM5,000 [semak: number or amount] [00:14:48–00:14:49] jangan kacau [00:14:50–00:14:52] maintain lah sebab tu dalam chapter sebelum ni saya dah [semak: uncertain words] [00:14:52–00:14:54] hajar awak. Bila awak nak ambil gaji ni [00:14:54–00:14:56] set level standard. Janganlah [semak: uncertain words] [00:14:56–00:14:58] nak lebih sangat sampai patutnya standard je [semak: uncertain words] [00:14:58–00:15:00] layan je lah standard. Dah agree kan dengan partner [semak: uncertain words] [00:15:00–00:15:02] semua ambil standard? Ambil standard. Duit [00:15:02–00:15:04] lebih semua simpan. Ambil sebagai [00:15:05–00:15:05] dividend [00:15:05–00:15:07] nanti. Jadi ini cara untuk awak [00:15:07–00:15:10] membayar gaji kepada business owner [00:15:10–00:15:12] So barulah share-share awak ni [semak: uncertain words] [00:15:12–00:15:14] yang awak dah janjikan ni, shareholder ni [00:15:14–00:15:16] ada nilai. Kalau tak, tak ada nilai lah [00:15:17–00:15:18] sekadar apa [00:15:18–00:15:19] Sekadar on paper je [00:15:19–00:15:20] Baik tak payah [00:15:20–00:15:21] Baik awak write enterprise ni macam tu [semak: uncertain words] [00:15:21–00:15:23] Awak write enterprise pun boleh buat macam ni [00:15:23–00:15:25] So awak buat shareholder agreement [00:15:25–00:15:26] Menyatakan bahawa [00:15:26–00:15:27] Bila ada keuntungan [00:15:27–00:15:28] Awak akan bahagikan [00:15:28–00:15:30] Ikut 70, 30 dan sebagainya [semak: number or amount] [00:15:30–00:15:31] Tapi kena ingat eh [00:15:31–00:15:32] Untuk company enterprise [00:15:32–00:15:34] Sorry, sebenarnya bahat [semak: uncertain words] [00:15:34–00:15:35] Awak kena buat [00:15:35–00:15:36] Solvency test ni [00:15:36–00:15:37] At least lah [00:15:37–00:15:38] Kalau tak buat pun [00:15:38–00:15:38] Buat manual lah [00:15:38–00:15:39] At least awak dah buat secara internal [00:15:39–00:15:40] Kalau tak letih [semak: uncertain words] [00:15:40–00:15:41] Boleh bayar orang [00:15:41–00:15:42] Nak buat sendiri pun [00:15:42–00:15:42] Boleh juga [00:15:42–00:15:43] Yang penting awak tahu [00:15:43–00:15:44] Sebenarnya bukan kita main ambil je [00:15:44–00:15:46] Kita ada simple test [00:15:46–00:15:47] Yang kita check [00:15:47–00:15:48] sama ada company tu [00:15:48–00:15:49] stable atau tak stable [00:15:49–00:15:50] sebelum kita ambil [00:15:50–00:15:51] dan disebabkan awak dah simpan [semak: uncertain words] [00:15:51–00:15:52] duit kat emergency account ni [00:15:52–00:15:53] biasanya lulus je lah [00:15:53–00:15:54] sebab awak dah ada pun [00:15:54–00:15:55] simpanan [00:15:55–00:15:56] tapi kalau duit awak [00:15:56–00:15:56] ngam-ngam [00:15:56–00:15:57] awak pun tak tahu [00:15:57–00:15:59] eh ni duit customer ke [00:15:59–00:16:00] ni duit deposit customer ke [00:16:00–00:16:01] duit apa [00:16:01–00:16:02] kan habis [00:16:02–00:16:04] sebab tu dia adalah duit untung [00:16:04–00:16:05] bukannya duit yang ada dalam bank [00:16:05–00:16:06] mungkin 20 ribu [semak: uncertain words, number or amount] [00:16:06–00:16:07] tapi duit yang ada dalam [00:16:07–00:16:08] account bank ni [00:16:08–00:16:09] sebenarnya kat sini ada [00:16:09–00:16:11] ada lagi 40k [semak: uncertain words, number or amount] [00:16:12–00:16:13] so awak recognize [00:16:13–00:16:14] yang untung 20k je [semak: number or amount] [00:16:14–00:16:15] lagi 20k tu adalah [semak: number or amount] [00:16:15–00:16:16] duit running operation [semak: uncertain words] [00:16:16–00:16:17] Sebab tu kalau awak tengok tadi [semak: uncertain words] [00:16:18–00:16:19] Untuk [00:16:19–00:16:20] Operating account [00:16:21–00:16:22] Kita akan [00:16:22–00:16:23] Buat [00:16:23–00:16:25] Duit dalam operating account ni [semak: uncertain words] [00:16:25–00:16:26] Ada satu bulan [semak: uncertain words] [00:16:26–00:16:27] Yang ni dia ada [00:16:27–00:16:28] One month [semak: uncertain words] [00:16:28–00:16:29] Sahaja [00:16:29–00:16:30] Maximum [00:16:30–00:16:32] Katalah awak punya overhead awak adalah [00:16:32–00:16:33] Opex awak adalah [00:16:34–00:16:35] 12,000 [semak: number or amount] [00:16:35–00:16:35] Bila tadi [semak: uncertain words] [00:16:35–00:16:36] Ha ni yang 12K kan [semak: uncertain words, number or amount] [00:16:36–00:16:38] Awak punya operational expenses [00:16:38–00:16:39] 12K [semak: number or amount] [00:16:39–00:16:40] Setiap bulan nak kena ada [00:16:40–00:16:41] So awak standby [00:16:41–00:16:42] RM12K lah [semak: number or amount] [00:16:44–00:16:45] Dekat dalam [00:16:45–00:16:46] Operating account [00:16:46–00:16:47] So, duit ni dia takkan lebih daripada 12K [semak: number or amount] [00:16:47–00:16:49] Kalau terlebih, transfer [semak: uncertain words] [00:16:49–00:16:51] Kalau dia terlebih, mungkin bukan duit untung [00:16:51–00:16:53] Maksudnya mungkin duit dalam ni adalah [00:16:54–00:16:55] 12K [semak: number or amount] [00:16:55–00:16:57] Campur dengan duit customer [00:16:57–00:16:58] Mungkin duit customer ada 20K [semak: number or amount] [00:16:59–00:17:00] Campur dengan 20K [semak: number or amount] [00:17:00–00:17:01] Ni baru duit profit [00:17:01–00:17:03] So, total duit dalam ni sebenarnya ada dalam [00:17:05–00:17:05] 52K [semak: number or amount] [00:17:07–00:17:09] Tapi awak janganlah ambil 52K ni untung [semak: number or amount] [00:17:09–00:17:11] Yang untung sebenarnya 20K ni je [semak: number or amount] [00:17:11–00:17:12] Yang kita ambil [semak: uncertain words] [00:17:12–00:17:14] Yang lagi 12 ni adalah duit simpanan [semak: number or amount] [00:17:14–00:17:15] Memang nak kena standby dalam ni [semak: uncertain words] [00:17:15–00:17:16] 12 bulan [semak: number or amount] [00:17:16–00:17:17] Sorry 12 ribu [semak: number or amount] [00:17:17–00:17:18] Untuk OPEX [00:17:18–00:17:19] Yang 20 ribu ni pula [semak: number or amount] [00:17:19–00:17:20] Duit customer [00:17:20–00:17:21] Yang customer dah berdeposit [semak: uncertain words] [00:17:21–00:17:22] So jangan kacau duit tu [00:17:22–00:17:22] Okay [00:17:22–00:17:23] So itu sahaja [00:17:23–00:17:24] Untuk kali ni [00:17:24–00:17:25] Jumpa lagi dalam video yang seterusnya [00:17:26–00:17:27] Zaz [semak: uncertain words] [00:17:28–00:17:28] Baik [semak: uncertain words] [00:17:28–00:17:29] Nampak dikering balik ya [semak: uncertain words]