Profit Allocation
Source: https://coachadib.com/module/6ac040624f4c5b44a5b8c097
Automatic full-length draft. Uncertain wording and figures require review.

[00:00:00.080 – 00:00:22.640] Profit Allocation. Profit yang ada ni nak letak kat mana? Lepas dah untung banyak-banyak, duit tu kena pernah jaga. That's why kita nak ajar A, B, C, D. A adalah Operate, B Account Tax, C Reserve, D Dividend. Maksudnya, kita buat multiple account. Bayangkan eh, kita buat 4 bank account berbeza. Account A untuk duit keluar masuk-keluar masuk, bayar gaji staff, COGS, OPEX dan sebagainya.

[00:00:22.640 – 00:00:24.800] Lepas dah dapat untung

[00:00:25.740 – 00:00:26.560] Untung tu

[00:00:26.560 – 00:00:29.200] Kita alihkan 24%

[00:00:29.200 – 00:00:30.420] Letak dah 25%

[00:00:30.420 – 00:00:32.280] Ini paling tinggi dah 25%

[00:00:32.280 – 00:00:34.120] 25% alihkan dekat tax

[00:00:34.120 – 00:00:36.620] Maksudnya kita dah asingkan setiap kali ada untung

[00:00:36.620 – 00:00:38.380] Katalah ada untung 10,000

[00:00:38.380 – 00:00:40.180] Alih 2,500 masuk tax

[00:00:40.180 – 00:00:42.400] Lepas tu tinggal baki 7,500

[00:00:42.400 – 00:00:45.240] 7,500 tu pula pecah 2

[00:00:46.320 – 00:00:48.560] 30% pergi dekat cash reserve

[00:00:49.940 – 00:00:51.960] 70% pergi dekat dividend

[00:00:52.820 – 00:00:56.220] Bayangkan ni Maybank, CIMB, RHB, Bank Islam.

[00:00:56.580 – 00:00:57.020] Oh, lama.

[00:00:57.680 – 00:00:58.740] Dividend letak Bank Islam.

[00:00:58.920 – 00:00:59.940] Oh, suci sikit duit tu.

[00:01:00.080 – 00:01:01.660] Wangi je bila keluar kat bank account tu.

[00:01:02.100 – 00:01:02.840] Oh, wangi.

[00:01:03.160 – 00:01:03.640] Dan macam eh.

[00:01:04.220 – 00:01:06.860] So, kenapa kita nak letak 30%?

[00:01:07.080 – 00:01:09.880] Sebab tak adalah rasa bersalah sangat bila kita ambil duit syarikat.

[00:01:10.060 – 00:01:11.300] Kita nak rompak cara halal.

[00:01:11.420 – 00:01:12.160] Ni cara halal lah.

[00:01:12.620 – 00:01:13.780] So, kita asingkan dekat TED.

[00:01:13.900 – 00:01:14.620] Langsung tak kacau.

[00:01:15.220 – 00:01:17.540] Lepas tu, alihkan dekat cash reserve.

[00:01:17.660 – 00:01:18.780] Cash reserve ni sentiasa bertambah.

[00:01:19.060 – 00:01:19.900] Sampai bila-bila.

[00:01:20.860 – 00:01:22.380] katalah kita dah bertambah jadi RM100,000

[00:01:22.380 – 00:01:24.140] biar je lah, sampai cukup 3 bulan

[00:01:24.620 – 00:01:26.260] lebih dah cukup 3 bulan, cash reserve

[00:01:26.260 – 00:01:28.380] bertambah lagi, so duit tu pula kita akan guna

[00:01:28.380 – 00:01:29.960] untuk reinvest balik pada company, tambah

[00:01:29.960 – 00:01:32.340] equipment ke, beli laptop, beli asset ke apa ke

[00:01:32.340 – 00:01:34.120] macam itulah, tapi kita tak nak

[00:01:34.120 – 00:01:35.940] guna duit cash reserve ni cepat sangat, kita nak

[00:01:35.940 – 00:01:38.100] biar dia cukup at least 3 bulan ke 6 bulan

[00:01:38.100 – 00:01:39.520] maksimum daripada

[00:01:40.080 – 00:01:41.980] OPEX operational cost, katalah OPEX

[00:01:41.980 – 00:01:43.780] kita adalah RM20,000, darab dengan 3 bulan

[00:01:43.780 – 00:01:46.020] RM60,000, itulah cash reserve yang kena

[00:01:46.020 – 00:01:47.920] ada, ok contoh macam

[00:01:47.920 – 00:01:49.880] Macam inilah. Kita punya PBT RM100,000.

[00:01:50.280 – 00:01:51.280] Tolaklah dengan TAT 25.

[00:01:51.580 – 00:01:53.660] Tinggal RM75,000. Okey, lepas tu pecah 2.

[00:01:54.140 – 00:01:54.760] Pecah 2.

[00:01:55.640 – 00:01:57.600] So, 30% daripada RM75,000

[00:01:57.600 – 00:01:59.580] pergi dekat sini. Kita punya

[00:02:01.160 – 00:02:02.080] cash reserve.

[00:02:02.660 – 00:02:03.740] Lagi 70%

[00:02:03.740 – 00:02:05.940] pergi dekat sini. RM52,500

[00:02:05.940 – 00:02:07.640] pergi dekat dividend. Dividend ni pula

[00:02:07.640 – 00:02:09.380] kita hold selama 3 bulan.

[00:02:09.880 – 00:02:11.700] Lepas tu baru kita release. Tak adalah kita ambil

[00:02:11.700 – 00:02:13.420] setiap bulan. Macam glojo sangat pula kan.

[00:02:15.380 – 00:02:15.900] Essential

[00:02:15.900 – 00:02:17.800] cash commitment sebulan. Contohlah. Kita

[00:02:17.800 – 00:02:19.540] nak tengok reserve dah cukup ke belum

[00:02:19.540 – 00:02:21.680] contohnya kita nak kena commitment

[00:02:21.680 – 00:02:23.320] OPEX kita RM40,000

[00:02:23.320 – 00:02:25.460] so kalau kata kita punya OPEX

[00:02:25.460 – 00:02:27.600] operational expenses kita, OPEX kita

[00:02:27.600 – 00:02:28.200] RM40,000

[00:02:29.020 – 00:02:31.840] saya letak kat sini, OPEX

[00:02:32.800 – 00:02:33.940] target 6 bulan

[00:02:33.940 – 00:02:35.300] RM40,000, so kena ada

[00:02:35.300 – 00:02:37.200] RM240,000 dalam

[00:02:37.200 – 00:02:39.340] tanki reserve, C

[00:02:39.340 – 00:02:40.880] cash reserve

[00:02:40.880 – 00:02:42.720] once dah cukup

[00:02:42.720 – 00:02:44.600] reserve sebelum allocation

[00:02:44.600 – 00:02:46.380] reserve sebelum allocation

[00:02:47.320 – 00:02:48.620] Tambah allocation C

[00:02:49.780 – 00:02:50.640] RM230,000

[00:02:52.040 – 00:02:53.360] Tambah allocation C

[00:02:53.360 – 00:02:54.460] RM225,000

[00:02:54.460 – 00:02:56.040] Ni apa pula reserve selepas allocation ni

[00:02:56.700 – 00:02:58.120] Reserve selepas allocation

[00:02:58.120 – 00:02:59.660] Lebihan atas target

[00:03:00.620 – 00:03:02.360] Saya pun tak faham ke apa benda ni

[00:03:02.360 – 00:03:04.720] Tapi lebihan lebihan boleh nilai untuk expenser

[00:03:04.720 – 00:03:05.640] Jangan terus habiskan reserve

[00:03:07.040 – 00:03:08.300] Ini allocation apa

[00:03:08.300 – 00:03:10.860] Mungkin adalah benda-benda yang kita nak allocate

[00:03:10.860 – 00:03:13.100] Untuk beli barang ke apa ke

[00:03:13.100 – 00:03:14.120] Kita dah target

[00:03:14.120 – 00:03:16.740] saya nak allocatekan

[00:03:18.320 – 00:03:19.220] berapa nilai ni?

[00:03:19.620 – 00:03:20.720] RM22,000 ni

[00:03:20.720 – 00:03:22.420] untuk beli something.

[00:03:22.700 – 00:03:24.100] So kita nak target dalam bank account kita

[00:03:24.100 – 00:03:25.820] dekat C ada RM252.

[00:03:26.120 – 00:03:27.740] So saya boleh layak

[00:03:28.280 – 00:03:29.180] beli benda lah ni.

[00:03:29.340 – 00:03:30.180] Contohnya macam tu lah.

[00:03:30.420 – 00:03:32.080] Sebab tu bank account yang C ni

[00:03:32.080 – 00:03:32.960] dia tak ada rule sangat.

[00:03:33.180 – 00:03:33.680] Yang penting

[00:03:33.680 – 00:03:35.040] cukup tak 3 bulan?

[00:03:35.200 – 00:03:35.520] Cukup.

[00:03:35.800 – 00:03:36.700] Lebih daripada tu

[00:03:36.700 – 00:03:37.680] kita simpan lagi 30%

[00:03:37.680 – 00:03:39.480] tapi lebih tu dah boleh digunakan balik.

[00:03:39.800 – 00:03:41.100] Tapi jangan bagi kat investor

[00:03:41.100 – 00:03:41.800] rugi lah.

[00:03:42.280 – 00:03:42.860] Kita nak

[00:03:42.860 – 00:03:45.260] bagi pada company balik, maksudnya upgrade lah

[00:03:45.260 – 00:03:47.340] apa-apa benda pasal company, tukar tong sampah

[00:03:47.340 – 00:03:49.260] ke, tukar whiteboard ke apa ke kan

[00:03:49.260 – 00:03:50.760] yang penting invest balik pada company

[00:03:50.760 – 00:03:53.120] jadi adil, investor happy

[00:03:53.120 – 00:03:55.500] kita boleh declare profit tinggi

[00:03:55.500 – 00:03:57.260] bank pun happy nak bagi loan, investor pun

[00:03:57.260 – 00:03:59.080] happy nak beli, kalau in case of emergency

[00:03:59.620 – 00:04:00.740] cash register pun happy

[00:04:00.740 – 00:04:03.260] cash register pun healthy, bila kita buat test

[00:04:03.260 – 00:04:04.340] solvency test

[00:04:04.960 – 00:04:07.260] untuk kita nak release dividend tu, 3 bulan

[00:04:07.260 – 00:04:08.640] sekali, dia ada syarat-syarat dia

[00:04:09.320 – 00:04:10.820] pun selamat, tak ada isu

[00:04:10.820 – 00:04:12.240] Ok, kita pergi pada video yang