【南视界】把闲钱全存入公积金 是个明智选择吗?
雇员公积金局(EPF)每年会把投资所获得的资金,派息给会员们。2011年至今,每一年的派息率皆超过5%。
资格认证执业财务规划师梁福隆提醒,公积金局的投资表现不错,对用户来说是零风险零成本,派息率胜过银行,问题在于主动存款上限为每年6万令吉,而且提款方面也有限制。简单说,这是其中一个增加财富的管道,但不应成为唯一的管道。
一个可承受风险的人,需寻找其他风险略高的投资工具,以争取比公积金更高的回酬;一个只懂得把钱放在定存的人,就应考虑主动存款在公积金;如果是一个大胆冒险的投资者,则千万别打公积金存款的主意。
在增加财富这个课题上,做法从来不是二选一或零和游戏,应该打造多元化的资产组合来分散风险。
公积金 epf
http://www.enanyang.my/%E8%B4%A2%E7%BB%8F%E6%96%B0%E9%97%BB/%E3%80%90%E5%8D%97%E8%A7%86%E7%95%8C%E3%80%91%E6%8A%8A%E9%97%B2%E9%92%B1%E5%85%A8%E5%AD%98%E5%85%A5%E5%85%AC%E7%A7%AF%E9%87%91-%E6%98%AF%E4%B8%AA%E6%98%8E%E6%99%BA%E9%80%89%E6%8B%A9%E5%90%97
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