Quarterly Dividend
Source: https://coachadib.com/module/6ac04061ef88b1e0248d4f21
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[00:00:01.150 – 00:00:29.590] Quarterly Dividend. Oh, ni power guys. Kalau anda dah sampai ke tahap ini, memang padu. Sebab ini ilmu korporat. Ilmu pengsyarikatan. So, Quarterly Dividend ni, dia gaji ni kita tak nak ambil banyak sangat. Sebab tu dalam level ni saya buat 5 level. Level kelima adalah gaji RM30,000. Cukup lah kat situ. Lebih RM30,000 ambil sebagai dividend. Janganlah ambil terus gaji sampai RM50,000, RM100,000. Dah gila nak bayar PCB. Bahan sangat sebab personal tax tinggi.

[00:00:29.590 – 00:00:31.450] Kita tak nak personal tax kita tinggi sangat

[00:00:31.450 – 00:00:33.150] Kita nak guna corporate tax

[00:00:33.150 – 00:00:35.170] So, bila kita dah bayar corporate tax

[00:00:35.170 – 00:00:36.550] Dia ada shilling dia 24%

[00:00:36.550 – 00:00:38.870] Kalau personal tax dia boleh pergi tak sampai 30% lebih

[00:00:38.870 – 00:00:40.290] 30% dekat atas

[00:00:40.290 – 00:00:42.750] So, kita nak guna personal tax

[00:00:42.750 – 00:00:45.050] Jadi, ada dua yang saya kata tadi

[00:00:45.050 – 00:00:46.030] Intrim dividend

[00:00:46.030 – 00:00:49.070] Dia ikutlah 3 bulan sekali ke 2 bulan sekali

[00:00:49.070 – 00:00:49.710] Kita bagi dividend

[00:00:49.710 – 00:00:50.830] Final dividend hujung tahun

[00:00:50.830 – 00:00:52.090] Special dividend ikut

[00:00:53.310 – 00:00:54.370] Ikut sebab lah

[00:00:54.370 – 00:00:56.270] Kadang-kadang kita ada sempena hari raya ke

[00:00:56.270 – 00:00:57.290] Sempena sel naik ke

[00:00:57.290 – 00:00:58.610] Kita boleh bagi dividend

[00:00:59.430 – 00:01:02.270] Dan sebaiknya untuk kita manage duit dengan betul

[00:01:02.270 – 00:01:04.310] Kita galakkan ada empat bank account

[00:01:04.310 – 00:01:06.250] Ada orang kata dua, ada orang kata tiga

[00:01:06.250 – 00:01:07.630] Ada kata lima, ada kata tujuh

[00:01:07.630 – 00:01:10.430] Tapi saya ambil yang lebih kurang

[00:01:10.430 – 00:01:11.270] Saya ambil empat

[00:01:11.270 – 00:01:12.790] Ini apa yang saya sendiri buat

[00:01:12.790 – 00:01:15.530] Current account, duit masuk keluar duit

[00:01:15.530 – 00:01:17.030] Bayar gaji staff dan sebagainya

[00:01:17.030 – 00:01:19.730] Bila ada untung bulan tersebut

[00:01:19.730 – 00:01:22.390] Kita alihkan 24%

[00:01:22.390 – 00:01:23.790] Transfer ke tax

[00:01:25.250 – 00:01:26.870] Lepas dah transfer dekat tax

[00:01:26.870 – 00:01:30.090] Baki tu, untung bersih tu kita panggil sebagai PAT

[00:01:30.090 – 00:01:32.770] Dekat sini kita ada PBT, Profit Before Tax

[00:01:32.770 – 00:01:36.130] Lepas tolak tax kita ada PAT, Profit After Tax

[00:01:36.130 – 00:01:39.410] Lepas dah dapat PAT, kita alihkan pula

[00:01:39.410 – 00:01:42.930] 30% masuk sini sebagai cash reserve company

[00:01:42.930 – 00:01:45.290] Lagi 70% masuk sini

[00:01:45.290 – 00:01:46.910] Maksudnya pecah dua

[00:01:46.910 – 00:01:50.730] 30% jadi cash reserve company untuk bertahan 6 bulan

[00:01:50.730 – 00:01:52.990] Lebih dari tu kita jadikan duit untuk expand company lah

[00:01:52.990 – 00:01:54.630] Ataupun beli tambah baik ke

[00:01:54.630 – 00:01:56.730] 70% masuk dalam kolam

[00:01:56.730 – 00:01:58.330] Dividend. Kolam dividend ni pula

[00:01:58.330 – 00:02:00.690] Cukup. Kolam tu dah penuh 3 bulan

[00:02:00.690 – 00:02:02.950] Pak kita rilis. Tunggu lagi 3 bulan

[00:02:02.950 – 00:02:04.510] Pak kita rilis. Itu ada 4 kuarta

[00:02:04.510 – 00:02:06.390] Q1, Q2, Q3, Q4

[00:02:06.390 – 00:02:08.670] So kita rilis biasanya dividend pertama

[00:02:08.670 – 00:02:10.730] Kuarta pertama kan habis

[00:02:10.730 – 00:02:12.410] Bulan 3 kita rilis biasanya

[00:02:12.410 – 00:02:14.870] 15 hari bulan

[00:02:14.870 – 00:02:16.810] 10 April

[00:02:16.810 – 00:02:18.450] Ataupun 20 April

[00:02:18.450 – 00:02:20.410] Lepas kita dah settle audit company lah

[00:02:21.810 – 00:02:22.930] Ni contohnya

[00:02:22.930 – 00:02:24.930] PBT, profit before tax kita 100 ribu

[00:02:24.930 – 00:02:27.010] Kita tolak dengan tax dulu 24 ribu

[00:02:27.010 – 00:02:28.710] Atau 24 persen, kita dapatlah

[00:02:28.710 – 00:02:30.770] Profit after tax 76 ribu, PAT

[00:02:31.210 – 00:02:32.730] Lepas tu kita punya cash reserve

[00:02:32.730 – 00:02:34.410] Kita pecah dua, nampak? Pecah dua macam tu

[00:02:34.410 – 00:02:37.110] 30 persen, 22 ribu reserve kat sini

[00:02:37.110 – 00:02:38.670] Lagi 53 ribu

[00:02:38.670 – 00:02:40.410] Simpan kat sini, tapi tak ambil terus eh

[00:02:40.410 – 00:02:42.150] Kita simpan 3 bulan

[00:02:42.150 – 00:02:44.730] Bila dah cukup, mungkin cukup 150 ribu

[00:02:45.270 – 00:02:46.970] Barulah kita pecah ikut share masing-masing

[00:02:46.970 – 00:02:48.830] Kau dapat 10 persen sebab share kau 10 persen

[00:02:48.830 – 00:02:50.710] Kau dapat ni, kau ni untuk kau, ni untuk aku

[00:02:50.710 – 00:02:52.510] Ni untuk aku, ni untuk aku, eh ni untuk akulah

[00:02:52.510 – 00:02:53.410] Eh tak untuk kau lah

[00:02:53.410 – 00:02:54.950] Macam cerita Alibaba lah

[00:02:54.950 – 00:02:56.710] So bagi-bagi-bagi macam tu

[00:02:56.710 – 00:02:58.770] Itulah kisahnya guys

[00:02:58.770 – 00:03:00.250] Jadi katakanlah

[00:03:00.250 – 00:03:01.570] Ambil lah situasi

[00:03:02.310 – 00:03:03.170] Macam ni

[00:03:03.170 – 00:03:05.390] Bulan pertama PBT 100

[00:03:05.390 – 00:03:06.010] 120

[00:03:06.010 – 00:03:06.810] Dia ikut

[00:03:06.810 – 00:03:07.870] Dia tak adalah fix

[00:03:07.870 – 00:03:09.750] Sebab kalau untung banyak

[00:03:09.750 – 00:03:11.570] Profit before tax banyak

[00:03:11.570 – 00:03:12.890] Banyaklah dividend

[00:03:12.890 – 00:03:14.530] Macam dalam kes ni

[00:03:14.530 – 00:03:15.670] Kemarau sikit

[00:03:15.670 – 00:03:18.030] Tak banyak kita punya profit

[00:03:18.030 – 00:03:19.770] Dapatlah RM42,000 je

[00:03:19.770 – 00:03:21.690] Jadi apa yang berlaku

[00:03:21.690 – 00:03:23.330] dalam masa 3 bulan, katalah

[00:03:23.330 – 00:03:25.350] sale terkumpul kita RM300,000

[00:03:25.350 – 00:03:27.350] maksudnya kita dah ada cash reserve yang healthy

[00:03:27.350 – 00:03:29.490] kat sini, RM68,000

[00:03:29.490 – 00:03:31.250] so kita asingkan

[00:03:31.250 – 00:03:33.610] RM198,000 kepada

[00:03:34.590 – 00:03:35.270] shareholder

[00:03:35.270 – 00:03:37.310] semua, jadi senang cerita

[00:03:38.070 – 00:03:39.250] RM95,000

[00:03:39.950 – 00:03:41.050] daripada pool

[00:03:41.890 – 00:03:42.970] RM159,000

[00:03:42.970 – 00:03:44.170] senang cerita

[00:03:45.790 – 00:03:47.130] ni apa benda ni

[00:03:47.130 – 00:03:49.230] susah pula nak cerita ni, apa ni RM95,000 ni

[00:03:49.230 – 00:03:51.290] owner 60%

[00:03:51.290 – 00:03:52.110] daripada

[00:03:52.110 – 00:03:53.290] oh yelah

[00:03:53.290 – 00:03:54.990] owner 60%

[00:03:54.990 – 00:03:55.650] daripada sini

[00:03:55.650 – 00:03:56.850] macam ni contohnya

[00:03:56.850 – 00:03:58.950] RM95,000 ni apa eh

[00:03:58.950 – 00:04:00.230] saya pun tak sure guys

[00:04:01.170 – 00:04:02.350] baikkanlah RM95,000 ni

[00:04:02.350 – 00:04:02.990] siapa pun tak faham

[00:04:02.990 – 00:04:04.170] saya tulis tu

[00:04:04.170 – 00:04:05.170] saya lupa dah apa benda ni

[00:04:05.170 – 00:04:06.470] tapi senang cerita

[00:04:06.470 – 00:04:08.850] daripada RM159,000 ni lah

[00:04:08.850 – 00:04:10.210] kita asingkan dia

[00:04:11.510 – 00:04:12.130] katakanlah

[00:04:12.130 – 00:04:13.650] saya dah faham dah

[00:04:13.650 – 00:04:14.790] katakanlah Adib

[00:04:15.570 – 00:04:17.590] Adib own 60%

[00:04:17.590 – 00:04:19.470] Abu own 40%

[00:04:19.470 – 00:04:21.010] so Adib dapat RM95,000 lah

[00:04:21.010 – 00:04:22.090] Daripada ni

[00:04:22.090 – 00:04:23.190] Haa tu maksudnya

[00:04:23.190 – 00:04:23.850] Okey

[00:04:23.850 – 00:04:24.930] So faham tak

[00:04:24.930 – 00:04:26.750] Itulah keindahan

[00:04:26.750 – 00:04:27.730] Bisnes

[00:04:27.730 – 00:04:28.750] So kalau anda dah menonton

[00:04:28.750 – 00:04:29.310] Sebelum hujung

[00:04:29.310 – 00:04:30.210] Tahniah

[00:04:30.210 – 00:04:31.730] Anda bakal

[00:04:31.730 – 00:04:32.310] Jutawan

[00:04:32.310 – 00:04:33.550] Bakal bilionaire

[00:04:33.550 – 00:04:35.210] Jumpa dalam modul yang seterusnya

[00:04:35.210 – 00:04:36.230] Assalamualaikum

[00:04:36.230 – 00:04:36.830] Zas