“Kerja lebih kurang 5 tahun, gaji laki bini RM 14k, tapi negative networth”
Biar betul?
A few days ago, ada present financial plan dkt a new client yang baru engage recently. Client ni referral from one of my existing clients. Dia contact tahun lepas and main reason dia nak engage sebab dia ada plan nak tukar kerja and nak tahu sama ada financially it will be a good decision ke tak.
Macam biasa, during fact finding, kita korek semua info yg dia ada, and lepas dapat semua info tu kita passkan kepada our para planner team yang hebat untuk tolong prepare the draft financial plan (seriously a must kalau nak praktis holistic financial planning kalau tak, byk jugak masa habis dkt sini)
Once report dah siap, my responsibility is to review and finalize before presenting dekat client.
Fast forward to hari present dekat client. Spent dalam 1 jam setengah going thru the report for both husband and wife, and lepas habis tu, client ada a few questions dia nak tanya. One of it was with regards to dia punya networth situation.
Dia tanya, kenapa my personal networth rendah and our combined networth boleh sampai negative.
My response to him and his spouse:
1. You are allocating more of your income to spending (both present and future (ie hutang) instead of savings / investing
2. You are investing, contoh ASB Financing, Private Placement etc.. tapi returns yg dapat dari the investment you use for spending / bayar hutang, jadi your asset is not growing
Basically, you are living above your means and some of things that you plan to do will make your financial situation jadi lagi teruk, which I tak advice you untuk proceed.
You “mampu” utk buat tu, tapi lepas settle tu, you akan rasa lagi financially stressed (dari ckp2 makan, akan jadi nyawa2 ikan).
That’s my take on your financial situation.
Good news?
Masih awal lagi. Kalau both of you can be committed to do what you are supposed to do, insyaallah we can improve together.
Keputusan2 yg kita buat semua akan ada efek kepada keadaan kewangan keseluruhan kita. Beza dia kadang2 sama ada kita sedar atau tak sedar jer.
Tu lah sebab kita kena ada orang lain utk tolong tengok2kan supaya kita tak terbabas jauh.
Nota: Masa search image dekat google jumpa image ni, baru aku tahu kerajaan ada spend resources untuk counter fake news.