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Menabung emas buat belanja menunaikan haji dan umrah
Assalamualaikum kepada pembaca semua. Alangkah indahnya mendengar pengalaman rakan-rakan kita yang pergi menunaikan Haji dan Umrah.Kursus-kursus haji yang diadakan sekarang ini menjadikan bakal-bakal haji semakin rindu dan tidak sabar-sabar menjadi tetamu Allah secara 'live'. Emak dan Abang Long saya pun sedang mengikuti kursus Haji sekarang ni. Saya bila lagi? InsyaAllah sedang menanti giliran dan berusaha menambahkan lagi tabungan.Kalau boleh nak bawa emak sekali lagi menunaikan haji bersama saya.Adakah terdetik di hati kita untuk menjadi tetamu ALLAH? Jika sudah terdetik adakah kita sudah mulakan langkah pertama ke arah itu? Alhamdulillah dan tahniah bagi anda yang telah memulakan simpanan untuk menunaikan haji. Bagi yang belum menyimpan tetapi memasang niat untuk menunaikan haji bermulalah dari sekarang. Dengan menyimpan emas anda boleh menampung kenaikan kos haji pada setiap tahun. Peruntukkanlah 1 dinar daripada gaji bulanan anda sebagai simpanan untuk menunaikan haji. Saya percaya genap 30 bulan anda menyimpan 1 dinar anda sudah boleh mengikut pakej haji untuk VVIP... kerana jika hendak diukur dengan pendapatan kita, sampai bila-bila pun kita akan berasa tak pernah cukup dengan apa yang kita miliki sekarang.Bila setiap bulan rasa tak cukup, bila pula masanya kita nak menabung? Walaupun sudah memiliki rumah besar, kereta besar, keluarga besar, makan besar, segala-galanya besar, hutang pun besar juga, masih terasa belum puas dengan apa yang kita miliki. Rakan kita yang berpendapatan lebih kecil daripada kita sudah punya rumah sendiri,kereta sendiri,keluarga sendiri, bebas daripada hutang, telah pergi menunaikan Haji dan Umrah. Kenapa berlakunya situasi sebegini? tentulah kerana pengurusan kewangan yang baik dan nafsu yang tidak terlalu besar. Bagi yang bernafsu besar, jika diberi lautan emas pun akan berasa tidak cukup tetapi bagi yang bersederhana dan pengurusan kewangannya baik akan merasai nikmat apa yang telah diusahakannya. Yang penting apa yang kita usahakan mendapat keberkatan dan keredhaan Ilahi.Buat penstrukturan semula kewangan anda dan Mulakanlah simpanan emas anda sekarang.Semoga anda berjaya di dunia dan akhirat.
Thursday, December 10, 2009
Wednesday, December 9, 2009
YANG MANA LEBIH BAIK? RENUNGKAN
SIMPAN EMAS ATAU SIMPAN WANG?Sabda Nabi Muhammad S.A.W:- 'Satu masa akan sampai kepada manusia di mana tidak ada apa lagi yang berguna tinggal, kecuali Dinar(Emas) dan Dirham(Perak)'
Kebanyakan orang lebih suka menyimpan wang di bank ataupun menyimpan di dalam saham amanah seperti ASB dan sebagainya. Selain drpd cara yang dianggap selamat untuk menyimpan, pelaburan saham amanah juga dianggap memberi keuntungan yang lumayan dan dijamin oleh kerajaan.
Sedar atau tidak wang yg kita simpan dan gunakan ini semakin susut nilainya. Bagi mereka yang selalu ke pasar mungkin terasa kecilnya nilai wang kita jika diukur dengan jumlah barangan yang dibeli. Bagaimanakah jika ada cara untuk kita menyimpan sambil mendapat pulangan yang lebih lumayan? Adakah anda ingin terus menyimpan wang di dalam saham amanah?
Dengan menyimpan emas fizikal sama ada barang kemas atau goldbar anda bukan sahaja mendapat faedah daripada kenaikan harga emas tetapi anda juga berpeluang menambah pendapatan bulanan.
DIVIDEN DAN BONUS ASB DARI TAHUN 1991 HINGGA 2008
Dengan menyimpan emas fizikal sama ada barang kemas atau goldbar anda bukan sahaja mendapat faedah daripada kenaikan harga emas tetapi anda juga berpeluang menambah pendapatan bulanan.
DIVIDEN DAN BONUS ASB DARI TAHUN 1991 HINGGA 2008
HARGA EMAS DARI TAHUN 1999 HINGGA TAHUN 2009
Public Ittikal Fund 31 mac 2008 hingga 31 Mac 2009
Dengan melihat carta di atas anda boleh membuat analisa dan pilihan simpanan yang manakah lebih menguntungkan...
MULAKAN SIMPANAN EMAS ANDA SEKARANG.
SIMPANAN EMAS MENJAMIN MASA DEPAN.
What Is Dinar?
Basically, Dinar is a gold coin.The World Islamic Trading Organisation following the standard of caliph Umar Ibn al-Khattab, established the following standard:
DINAR Weight: 4.25 grams
Alloy: 22 carats (0.916) Gold
Diameter: 23 millimeters
According to Islamic Law…
The Islamic gold dinar (sometimes referred as Islamic dinar or Gold dinar) is a bullion gold coin made from 4.25 grams of 22-carat gold with historical Islamic significance.
Gold dinar may also refer to various historic gold coins denominated in dinars.
The Islamic Dirham is a specific weight of pure silver equivalent to 3.0 grams.
Umar Ibn al-Khattab established the known standard relationship between them based on their weights: “7 dinars must be equivalent to 10 dirhams.”
“The Revelation undertook to mention them and attached many judgements to them, for example zakat, marriage, and hudud, etc., therefore within the Revelation they have to have a reality and specific measure for assessment [of zakat, etc.] upon which its judgements may be based rather than on the non-shari’i [other coins].
Know that there is consensus [ijma] since the beginning of Islam and the age of the Companions and the Followers that the dirham of the shari’ah is that of which ten weigh seven mithqals [weight of the dinar] of gold. . . The weight of a mithqal of gold is seventy-two grains of barley, so that the dirham which is seven-tenths of it is fifty and two-fifths grains. All these measurements are firmly established by consensus.” Ibn Khaldun, Al-Muqaddimah
DINAR Weight: 4.25 grams
Alloy: 22 carats (0.916) Gold
Diameter: 23 millimeters
According to Islamic Law…
The Islamic gold dinar (sometimes referred as Islamic dinar or Gold dinar) is a bullion gold coin made from 4.25 grams of 22-carat gold with historical Islamic significance.
Gold dinar may also refer to various historic gold coins denominated in dinars.
The Islamic Dirham is a specific weight of pure silver equivalent to 3.0 grams.
Umar Ibn al-Khattab established the known standard relationship between them based on their weights: “7 dinars must be equivalent to 10 dirhams.”
“The Revelation undertook to mention them and attached many judgements to them, for example zakat, marriage, and hudud, etc., therefore within the Revelation they have to have a reality and specific measure for assessment [of zakat, etc.] upon which its judgements may be based rather than on the non-shari’i [other coins].
Know that there is consensus [ijma] since the beginning of Islam and the age of the Companions and the Followers that the dirham of the shari’ah is that of which ten weigh seven mithqals [weight of the dinar] of gold. . . The weight of a mithqal of gold is seventy-two grains of barley, so that the dirham which is seven-tenths of it is fifty and two-fifths grains. All these measurements are firmly established by consensus.” Ibn Khaldun, Al-Muqaddimah
WHY GOLD?
Why Gold
A DIFFERENT CLASS OF ASSET:
Most investment portfolios are invested primarily in traditional financial assets such as stocks and bonds. The reason for holding diverse investments is to protect the portfolio against fluctuations in the value of any single asset class.
In building an investment portfolio, investors should avoid unnecessary risk through wise diversification. Diversification is the allocation of investable funds to a variety of investments. By diversifying, investors can reduce the risk that they would otherwise bear. Also, the risk reduction benefits of diversification can be achieved without reducing the overall return on your portfolio.
The Power of Diversification
The key to diversification is finding investments that are not closely correlated with one another. Other things being equal, the less the correlation between two investments, the better suited they are for effective diversification. This gives rise to a problem for most investors because most stocks are relatively closely correlated with one another and most bonds are relatively closely correlated with each other. In addition, there is also a close correlation between stocks and bonds. Investors need to find investments that are not closely correlated to stocks and bonds and include them as additional elements in their portfolios.
Diversification Reduces Risk
Many investors combine tangible assets with their stock and bond portfolios to reduce risk. This is due to the fact that tangible assets have historically had a very low, even negative, correlation with stocks and bonds. This means that they are useful to hold in conjunction with paper investments in order to reduce total risk. Not only is the risk reduced due to negative correlation between tangible and paper assets, but tangible assets have produced exceptional investment returns on their own. Every sign today points to increasing importance for diversification; that also means increasing importance for tangible assets.
I. GOLD – STORE OF VALUE
One major reason investors look to gold as an asset class is because it will always maintain an intrinsic value. Gold will not get lost in an accounting scandal or a market collapse. Economist Stephen Harmston of Bannock Consulting had this to say in a 1998 report for the World Gold Council,
“…although the gold price may fluctuate, over the very long run gold has consistently reverted to its historic purchasing power parity against other commodities and intermediate products. Historically, gold has proved to be an effective preserver of wealth. It has also proved to be a safe haven in times of economic and social instability. In a period of a long bull run in equities, with low inflation and relative stability in foreign exchange markets, it is tempting for investors to expect continual high rates of return on investments. It sometimes takes a period of falling stock prices and market turmoil to focus the mind on the fact that it may be important to invest part of one’s portfolio in an asset that will, at least, hold its value.”
Today is the scenario that the World Gold Council report was referring to in 1998.
II. GOLD - PORTFOLIO DIVERSIFIER
The most effective way to diversify your portfolio and protect the wealth created in the stock and financial markets is to invest in assets that are negatively correlated with those markets. Gold is the ideal diversifier for a stock portfolio, simply because it is among the most negatively correlated assets to stocks.
Diversification: The Key to Gold Investing
One of the most important aspects of investing is the control of risk in your portfolio, relative to the expected return. Tangible assets are an extremely useful tool for investors in that regard.
Portfolios that contain gold are generally more robust and better able to cope with market uncertainties than those that don’t.
Adding gold to a portfolio introduces an entirely different class of asset. Gold is unusual because it is both a commodity and a monetary asset. It is an ‘effective diversifier’ because its performance tends to move independently of other investments and key economic indicators.
Recent independent studies have shown that traditional diversifiers (such as bonds and alternative assets) often fail during times of market stress or instability. Even a small allocation of gold has been proven to significantly improve the consistency of portfolio performance during both stable and unstable financial periods.
There are six primary reasons why investors own gold:
As a hedge against inflation.
As a hedge against a declining dollar.
As a safe haven in times of geopolitical and financial market instability.
As a commodity, based on gold’s supply and demand fundamentals.
As a store of value.
As a portfolio diversifier.
III. HEDGE AGAINST INFLATION
Gold is renowned as a hedge against inflation. The most consistent factor determining the price of gold has been inflation - as inflation goes up, the price of gold goes up along with it. Since the end of World War II, the five years in which U.S. inflation was at its highest were 1946, 1974, 1975, 1979, and 1980. During those five years, the average real return on stocks, as measured by the Dow, was -12.33%; the average real return on gold was 130.4%.
Today, a number of factors are conspiring to create the perfect inflationary storm: extremely stimulative monetary policy, a major tax cut, a long term decline in the dollar, a spike in oil prices, a mammoth trade deficit, and America’s status as the world’s biggest debtor nation. Almost across the board, commodity prices up despite the short-term absence of a weakening dollar which is often viewed as the principal reason for stronger commodity prices.
Oil, Inflation and Gold Although the prices of gold and oil don’t exactly mirror one another, there is no question that oil prices do affect gold prices. If oil prices rise or fall sharply, investors can expect a corresponding reaction in gold prices, often with a lag. There have been two major upward moves in the price of gold since it was freed to float in 1968. The first occurred between 1972 and 1974 when oil prices climbed 325%, from US$2.44 to US$10.36. During the same period, gold prices rose 268% (on a quarterly average basis) from US$47.45 to US$174.76. The second major price move occurred between 1978 and 1980, when oil prices increased 105%, from US$12.70 to US$26.00. Over the same period, quarterly average gold prices rose 254% from US$178.33 to US$631.40.
IV. GOLD - HEDGE AGAINST A DECLINING DOLLAR
Gold is bought and sold in U.S. dollars, so any decline in the value of the dollar causes the price of gold to rise. The U.S. dollar is the world’s reserve currency - the primary medium for international transactions, the principal store of value for savings, the currency in which the worth of commodities and equities are calculated, and the currency primarily held as reserves by the world’s central banks. However, now that it has been stripped of its gold backing international banks and Countries are reviewing there currency reserve options
V. GOLD AS A SAFE HAVEN
Despite the fact that the United States is the world’s only remaining superpower, there are a myriad of problems festering around the world, any one of which could erupt with little warning. Gold has often been called the “crisis commodity” because it tends to outperform other investments during periods of world tensions. The very same factors that cause other investments to suffer cause the price of gold to rise. A bad economy can sink poorly run banks. Bad banks can sink an entire economy. And, perhaps most importantly to the rest of the world, the integration of the global economy has made it possible for banking and economic failures to destabilise the world economyAs banking crises occur, the public begins to distrust paper assets and turns to gold for a safe haven.
When all else fails, governments rescue themselves with the printing press, making their currency worth less and gold worth more. Gold has always risen the most when confidence in government is at its lowest.
VI. GOLD - SUPPLY AND DEMAND
First, demand is out pacing supply across the board. Gold production is declining; Copper production is declining; the production of lead and other metals is declining. It is very difficult to open new mines when the whole process takes about seven years on average, making it hard to address the supply issue quickly. Gold output in South Africa, the world’s largest gold producer, fell to its lowest level since 1931 this past year as the rand’s gains prompted Harmony Gold Mining Co. and rivals to close mines despite 16 year highs in the gold price.
Growing Demand - China, India and Gold India is the largest gold-consuming nation in the world. China, on the other hand, has the fastest-growing economy in modern history. Both India and China are in the process of liberalizing laws relating to the import and sale of gold in ways that will facilitate gold purchases on a mammoth scale.
China is teaching the West something new. Its economy, growing at 9 percent per year, is expected to become the second largest in the world by 2020, behind only the United States. Last year Americans spent $162 billion more on Chinese goods than the Chinese spent on U.S. products. That gap has been growing by more than 25 percent per year. China’s consumer class, meanwhile, is spending on everything from bagels to Bentleys – and will soon outnumber the entire U.S. population. China’s explosive growth “could be the dominant event of this century,” says Stapleton Roy, former U.S. Ambassador to China. “Never before has a country risen as fast as China is doing.”
Last Updated ( 08 Jul 2008 )
A DIFFERENT CLASS OF ASSET:
Most investment portfolios are invested primarily in traditional financial assets such as stocks and bonds. The reason for holding diverse investments is to protect the portfolio against fluctuations in the value of any single asset class.
In building an investment portfolio, investors should avoid unnecessary risk through wise diversification. Diversification is the allocation of investable funds to a variety of investments. By diversifying, investors can reduce the risk that they would otherwise bear. Also, the risk reduction benefits of diversification can be achieved without reducing the overall return on your portfolio.
The Power of Diversification
The key to diversification is finding investments that are not closely correlated with one another. Other things being equal, the less the correlation between two investments, the better suited they are for effective diversification. This gives rise to a problem for most investors because most stocks are relatively closely correlated with one another and most bonds are relatively closely correlated with each other. In addition, there is also a close correlation between stocks and bonds. Investors need to find investments that are not closely correlated to stocks and bonds and include them as additional elements in their portfolios.
Diversification Reduces Risk
Many investors combine tangible assets with their stock and bond portfolios to reduce risk. This is due to the fact that tangible assets have historically had a very low, even negative, correlation with stocks and bonds. This means that they are useful to hold in conjunction with paper investments in order to reduce total risk. Not only is the risk reduced due to negative correlation between tangible and paper assets, but tangible assets have produced exceptional investment returns on their own. Every sign today points to increasing importance for diversification; that also means increasing importance for tangible assets.
I. GOLD – STORE OF VALUE
One major reason investors look to gold as an asset class is because it will always maintain an intrinsic value. Gold will not get lost in an accounting scandal or a market collapse. Economist Stephen Harmston of Bannock Consulting had this to say in a 1998 report for the World Gold Council,
“…although the gold price may fluctuate, over the very long run gold has consistently reverted to its historic purchasing power parity against other commodities and intermediate products. Historically, gold has proved to be an effective preserver of wealth. It has also proved to be a safe haven in times of economic and social instability. In a period of a long bull run in equities, with low inflation and relative stability in foreign exchange markets, it is tempting for investors to expect continual high rates of return on investments. It sometimes takes a period of falling stock prices and market turmoil to focus the mind on the fact that it may be important to invest part of one’s portfolio in an asset that will, at least, hold its value.”
Today is the scenario that the World Gold Council report was referring to in 1998.
II. GOLD - PORTFOLIO DIVERSIFIER
The most effective way to diversify your portfolio and protect the wealth created in the stock and financial markets is to invest in assets that are negatively correlated with those markets. Gold is the ideal diversifier for a stock portfolio, simply because it is among the most negatively correlated assets to stocks.
Diversification: The Key to Gold Investing
One of the most important aspects of investing is the control of risk in your portfolio, relative to the expected return. Tangible assets are an extremely useful tool for investors in that regard.
Portfolios that contain gold are generally more robust and better able to cope with market uncertainties than those that don’t.
Adding gold to a portfolio introduces an entirely different class of asset. Gold is unusual because it is both a commodity and a monetary asset. It is an ‘effective diversifier’ because its performance tends to move independently of other investments and key economic indicators.
Recent independent studies have shown that traditional diversifiers (such as bonds and alternative assets) often fail during times of market stress or instability. Even a small allocation of gold has been proven to significantly improve the consistency of portfolio performance during both stable and unstable financial periods.
There are six primary reasons why investors own gold:
As a hedge against inflation.
As a hedge against a declining dollar.
As a safe haven in times of geopolitical and financial market instability.
As a commodity, based on gold’s supply and demand fundamentals.
As a store of value.
As a portfolio diversifier.
III. HEDGE AGAINST INFLATION
Gold is renowned as a hedge against inflation. The most consistent factor determining the price of gold has been inflation - as inflation goes up, the price of gold goes up along with it. Since the end of World War II, the five years in which U.S. inflation was at its highest were 1946, 1974, 1975, 1979, and 1980. During those five years, the average real return on stocks, as measured by the Dow, was -12.33%; the average real return on gold was 130.4%.
Today, a number of factors are conspiring to create the perfect inflationary storm: extremely stimulative monetary policy, a major tax cut, a long term decline in the dollar, a spike in oil prices, a mammoth trade deficit, and America’s status as the world’s biggest debtor nation. Almost across the board, commodity prices up despite the short-term absence of a weakening dollar which is often viewed as the principal reason for stronger commodity prices.
Oil, Inflation and Gold Although the prices of gold and oil don’t exactly mirror one another, there is no question that oil prices do affect gold prices. If oil prices rise or fall sharply, investors can expect a corresponding reaction in gold prices, often with a lag. There have been two major upward moves in the price of gold since it was freed to float in 1968. The first occurred between 1972 and 1974 when oil prices climbed 325%, from US$2.44 to US$10.36. During the same period, gold prices rose 268% (on a quarterly average basis) from US$47.45 to US$174.76. The second major price move occurred between 1978 and 1980, when oil prices increased 105%, from US$12.70 to US$26.00. Over the same period, quarterly average gold prices rose 254% from US$178.33 to US$631.40.
IV. GOLD - HEDGE AGAINST A DECLINING DOLLAR
Gold is bought and sold in U.S. dollars, so any decline in the value of the dollar causes the price of gold to rise. The U.S. dollar is the world’s reserve currency - the primary medium for international transactions, the principal store of value for savings, the currency in which the worth of commodities and equities are calculated, and the currency primarily held as reserves by the world’s central banks. However, now that it has been stripped of its gold backing international banks and Countries are reviewing there currency reserve options
V. GOLD AS A SAFE HAVEN
Despite the fact that the United States is the world’s only remaining superpower, there are a myriad of problems festering around the world, any one of which could erupt with little warning. Gold has often been called the “crisis commodity” because it tends to outperform other investments during periods of world tensions. The very same factors that cause other investments to suffer cause the price of gold to rise. A bad economy can sink poorly run banks. Bad banks can sink an entire economy. And, perhaps most importantly to the rest of the world, the integration of the global economy has made it possible for banking and economic failures to destabilise the world economyAs banking crises occur, the public begins to distrust paper assets and turns to gold for a safe haven.
When all else fails, governments rescue themselves with the printing press, making their currency worth less and gold worth more. Gold has always risen the most when confidence in government is at its lowest.
VI. GOLD - SUPPLY AND DEMAND
First, demand is out pacing supply across the board. Gold production is declining; Copper production is declining; the production of lead and other metals is declining. It is very difficult to open new mines when the whole process takes about seven years on average, making it hard to address the supply issue quickly. Gold output in South Africa, the world’s largest gold producer, fell to its lowest level since 1931 this past year as the rand’s gains prompted Harmony Gold Mining Co. and rivals to close mines despite 16 year highs in the gold price.
Growing Demand - China, India and Gold India is the largest gold-consuming nation in the world. China, on the other hand, has the fastest-growing economy in modern history. Both India and China are in the process of liberalizing laws relating to the import and sale of gold in ways that will facilitate gold purchases on a mammoth scale.
China is teaching the West something new. Its economy, growing at 9 percent per year, is expected to become the second largest in the world by 2020, behind only the United States. Last year Americans spent $162 billion more on Chinese goods than the Chinese spent on U.S. products. That gap has been growing by more than 25 percent per year. China’s consumer class, meanwhile, is spending on everything from bagels to Bentleys – and will soon outnumber the entire U.S. population. China’s explosive growth “could be the dominant event of this century,” says Stapleton Roy, former U.S. Ambassador to China. “Never before has a country risen as fast as China is doing.”
Last Updated ( 08 Jul 2008 )
Tuesday, December 8, 2009
Beli Emas Sekarang - Dijangka akan melonjak
Petikan http://www.jutawanemas.com/
Beli Emas Sekarang- Harga Emas Boleh Mencecah USD2500/OzWritten by syukor on 2 December 2009 – 2:46 am -
Assalamualaikum dan salam sejahtera.
Apa khabar pembaca sekalian? Saya doakan anda semua sihat sejahtera. Saya kat sini sihat dan ceria seperti biasa, cuma terlalu sibuk dengan seminar, training dan kerja.
Tapi Alhamdulillah saya dapat luangkan masa untuk menulis artikel ini dan berkongsi ilmu dengan pembaca sekalian.
Penting nie.. panduan apa yang patut dibuat bila harga emas meningkat dengan banyak. Beli atau tak beli?
Tapi sebelum itu, mari kita lihat prestasi harga emas sekitar tahun 2009. Berapa banyak harga emas dah naik?
Mari kita lihat gambarajah di bawah
Jika kita lihat pergerakan harga emas daripada bulan Januari, maka kita dapati harga emas telah meningkat sebanyak 37%
Harga emas 2 Januari 2009 = USD 869.75 / OzHarga Emas 1 Disember 2009 = USD1193.50 / Oz
Sumber : http://www.lbma.org.uk/ (klik sini)
Bagi sesiapa yang membeli emas dari awal tahun, anda pasti tersenyum lebar dengan kenaikan harga emas yang tinggi nie
Bagi mereka yang masih ternanti-nanti, tak beli lagi dan masih tertunggu-tunggu harga emas murah, meh sini saya nak bagitau.
Persepsi harga emas masih mahal @ terlalu mahal.
Sejak awal saya menulis blog mengenai pelaburan emas, rata-rata persepsi orang ialah harga emas mahal. Apa saja harga emas, mesti orang cakap harga emas mahal.
Jarang saya jumpa orang cakap harga emas nie murah:
Bila harga emas 800 USD orang cakap mahalBila harga emas 900 USD pun orang cakap mahalBila harga emas 990 USD pun orang cakap mahalBila harga emas 1100 USD pun orang cakap mahalBila harga emas mencecah 1200 USD pun orang cakap mahal
Kesimpulannya, apa pun harga emas, orang akan cakap harga emas mahal.
So, tak perlu dengar cakap orang lah nampaknya… kalau didengar alamat tak beli emas lah jawabnya.
Bila masa nak beli emas?
Sebenarnya, waktu yang terbaik untuk membeli emas ialah waktu anda ada duit yang mencukupi.
Kalau duit dah cukup.. beli ajer dan simpan. Gerenti untung sebab harga emas masih berpotensi untuk bergerak naik mencecah 2500 USD/Oz.
hehehe.. banyak tu.. peluang menjana keuntungan masih terbuka luas.
Kenapa harga emas boleh mencecah USD2500/Oz?
Baiklah, saya ingin berkongsi maklumat daripada sebuah buku yang bertajuk: The Trader’s Great Gold Rush - Must Have Methods for Trading and Investing in the Gold Market.
Buku ini ditulis oleh James DiGeorgia.
Beliau merupakan pengasas Gold and Energy Advisor (http://www.goldandenergyadvisor.com/) dan merupakan pakar di dalam bidang pelaburan emas dan komoditi.
Bagi saya buku ini adalah diantara buku yang terbaik mengenai pelaburan emas.
Memang sangat informatif. Bagi sesiapa yang betul-betul berminat mengenai pelaburan emas, buku ini patut dimiliki. Anda boleh beli buku ini kat http://www.amazon.com/Traders-Great-Gold-Rush-Must-Have/dp/0470431326/ref=sr_1_1?ie=UTF8&s=books&qid=1259687635&sr=8-1
Gambar: Petikan belakang buku ini.
Di dalam buku ini, James DiGeorgia yakin harga emas boleh naik mencecah USD 2500 / Oz kerana 4 sebab utama:
1. Emas adalah merupakan komoditi dimana harganya akan naik atau turun berdasarkan permintaan pasaran.2. Nilai USD yang lemah akan meningkatkan harga emas3. Peranan emas sebagai pelindung ketika krisis politik (perang atau ketidakstabilan politik)4. Peranan emas sebagai pelindung ketika krisis ekonomi.
Beliau menyatakan “Apa yang menarik mengenai harga emas ialah trend kenaikan harga emas - bull market boleh bertukar menjadi raksasa”.
Harga emas tidak akan naik terus menerus dalam garisan lurus, akan berlaku penurunan harga semasa proses kenaikan (market correction), tetapi di dalam jangkamasa panjang harga emas akan meningkat.
Beliau memberikan nasihat berikut ” Beli emas sebagai pelaburan sekarang sebelum pasaran emas menjadi panas (orang berpusu-pusu membeli emas). Lepas tu kita boleh bergembira melihat kenaikan harga emas daripada USD1000 kepada USD2500″.
Kesimpulannya:
1. Belilah emas sekarang. Potensi kenaikan harga emas adalah tinggi pada masa ini.
2. Jangan tunggu harga murah. Ada duit ajer terus beli emas.
3. Untuk kali kedua.. ada duit beli ajer emas
4. Untuk kali ketiga.. ada duit beli ajer emas
5. Kalau berminat membeli emas pelaburan Public Gold, sila klik sini (klik sini)6. Jika ingin menjadi emas sebagai perniagaan, sila klik sini (klik sini)7. Masih blur dengan pelaburan emas? Jika anda mahukan ilmu pelaburan emas, anda boleh baca artikel terdahulu (klik) atau anda boleh beli ebook saya (klik)8. Jika berminat mendengar seminar peluang perniagaan emas Public Gold tunggu pengumuman saya di dalam blog ini. Nanti saya letak.
9. Mahu menjadi orang pertama mendapat update blog ini? Jangan lupa melanggan newsletter blog jutawanemas.com – ianya PERCUMA masukkan emel anda kedalam kotak di penjuru kanan blog ini.
10. Jika ingin membuat pertanya, sila hubungi saya melalui contact form (klik)
Ok then, selamat membuat pelaburan emas
.
Beli Emas Sekarang- Harga Emas Boleh Mencecah USD2500/OzWritten by syukor on 2 December 2009 – 2:46 am -
Assalamualaikum dan salam sejahtera.
Apa khabar pembaca sekalian? Saya doakan anda semua sihat sejahtera. Saya kat sini sihat dan ceria seperti biasa, cuma terlalu sibuk dengan seminar, training dan kerja.
Tapi Alhamdulillah saya dapat luangkan masa untuk menulis artikel ini dan berkongsi ilmu dengan pembaca sekalian.
Penting nie.. panduan apa yang patut dibuat bila harga emas meningkat dengan banyak. Beli atau tak beli?
Tapi sebelum itu, mari kita lihat prestasi harga emas sekitar tahun 2009. Berapa banyak harga emas dah naik?
Mari kita lihat gambarajah di bawah
Jika kita lihat pergerakan harga emas daripada bulan Januari, maka kita dapati harga emas telah meningkat sebanyak 37%
Harga emas 2 Januari 2009 = USD 869.75 / OzHarga Emas 1 Disember 2009 = USD1193.50 / Oz
Sumber : http://www.lbma.org.uk/ (klik sini)
Bagi sesiapa yang membeli emas dari awal tahun, anda pasti tersenyum lebar dengan kenaikan harga emas yang tinggi nie
Bagi mereka yang masih ternanti-nanti, tak beli lagi dan masih tertunggu-tunggu harga emas murah, meh sini saya nak bagitau.
Persepsi harga emas masih mahal @ terlalu mahal.
Sejak awal saya menulis blog mengenai pelaburan emas, rata-rata persepsi orang ialah harga emas mahal. Apa saja harga emas, mesti orang cakap harga emas mahal.
Jarang saya jumpa orang cakap harga emas nie murah:
Bila harga emas 800 USD orang cakap mahalBila harga emas 900 USD pun orang cakap mahalBila harga emas 990 USD pun orang cakap mahalBila harga emas 1100 USD pun orang cakap mahalBila harga emas mencecah 1200 USD pun orang cakap mahal
Kesimpulannya, apa pun harga emas, orang akan cakap harga emas mahal.
So, tak perlu dengar cakap orang lah nampaknya… kalau didengar alamat tak beli emas lah jawabnya.
Bila masa nak beli emas?
Sebenarnya, waktu yang terbaik untuk membeli emas ialah waktu anda ada duit yang mencukupi.
Kalau duit dah cukup.. beli ajer dan simpan. Gerenti untung sebab harga emas masih berpotensi untuk bergerak naik mencecah 2500 USD/Oz.
hehehe.. banyak tu.. peluang menjana keuntungan masih terbuka luas.
Kenapa harga emas boleh mencecah USD2500/Oz?
Baiklah, saya ingin berkongsi maklumat daripada sebuah buku yang bertajuk: The Trader’s Great Gold Rush - Must Have Methods for Trading and Investing in the Gold Market.
Buku ini ditulis oleh James DiGeorgia.
Beliau merupakan pengasas Gold and Energy Advisor (http://www.goldandenergyadvisor.com/) dan merupakan pakar di dalam bidang pelaburan emas dan komoditi.
Bagi saya buku ini adalah diantara buku yang terbaik mengenai pelaburan emas.
Memang sangat informatif. Bagi sesiapa yang betul-betul berminat mengenai pelaburan emas, buku ini patut dimiliki. Anda boleh beli buku ini kat http://www.amazon.com/Traders-Great-Gold-Rush-Must-Have/dp/0470431326/ref=sr_1_1?ie=UTF8&s=books&qid=1259687635&sr=8-1
Gambar: Petikan belakang buku ini.
Di dalam buku ini, James DiGeorgia yakin harga emas boleh naik mencecah USD 2500 / Oz kerana 4 sebab utama:
1. Emas adalah merupakan komoditi dimana harganya akan naik atau turun berdasarkan permintaan pasaran.2. Nilai USD yang lemah akan meningkatkan harga emas3. Peranan emas sebagai pelindung ketika krisis politik (perang atau ketidakstabilan politik)4. Peranan emas sebagai pelindung ketika krisis ekonomi.
Beliau menyatakan “Apa yang menarik mengenai harga emas ialah trend kenaikan harga emas - bull market boleh bertukar menjadi raksasa”.
Harga emas tidak akan naik terus menerus dalam garisan lurus, akan berlaku penurunan harga semasa proses kenaikan (market correction), tetapi di dalam jangkamasa panjang harga emas akan meningkat.
Beliau memberikan nasihat berikut ” Beli emas sebagai pelaburan sekarang sebelum pasaran emas menjadi panas (orang berpusu-pusu membeli emas). Lepas tu kita boleh bergembira melihat kenaikan harga emas daripada USD1000 kepada USD2500″.
Kesimpulannya:
1. Belilah emas sekarang. Potensi kenaikan harga emas adalah tinggi pada masa ini.
2. Jangan tunggu harga murah. Ada duit ajer terus beli emas.
3. Untuk kali kedua.. ada duit beli ajer emas
4. Untuk kali ketiga.. ada duit beli ajer emas
5. Kalau berminat membeli emas pelaburan Public Gold, sila klik sini (klik sini)6. Jika ingin menjadi emas sebagai perniagaan, sila klik sini (klik sini)7. Masih blur dengan pelaburan emas? Jika anda mahukan ilmu pelaburan emas, anda boleh baca artikel terdahulu (klik) atau anda boleh beli ebook saya (klik)8. Jika berminat mendengar seminar peluang perniagaan emas Public Gold tunggu pengumuman saya di dalam blog ini. Nanti saya letak.
9. Mahu menjadi orang pertama mendapat update blog ini? Jangan lupa melanggan newsletter blog jutawanemas.com – ianya PERCUMA masukkan emel anda kedalam kotak di penjuru kanan blog ini.
10. Jika ingin membuat pertanya, sila hubungi saya melalui contact form (klik)
Ok then, selamat membuat pelaburan emas
.
Kenapa anda perlu membeli emas?
(petikan dari www.jutawanemas.com)
Kenapa anda perlu membeli emas?
Selamat datang ke blog jutawanemas!
Blog ini bertujuan memberikan anda panduan dan teknik-teknik membuat pelaburan emas di Malaysia.
Emas merupakan salah satu cabang pelaburan yang sangat menarik untuk diketahui. Dengan mempelajari rahsia pelaburan emas, anda akan mempunyai portfolio pelaburan yang amat menguntungkan.
Untuk mengetahui bagaimana mendapatkan keuntungan dengan pembelian/pelaburan emas, maka saya cadangkan agar anda membaca semua artikel yang terdapat dalam blog ini.
Blog ini mula ditulis sejak Jun 2008.
Jadi dah ada banyak artikel yang terdapat mengenai pelaburan emas ini.
1. Membaca artikel-artikel terdahulu.
Anda boleh membaca artikel-artikel terdahulu dengan klik pada “kategori” yang terdapat di laman hadapan blog ini (di sebelah kanan blog ini).
Dengan membaca artikel ini dari mula, anda akan mendapat pemahaman mengenai pelaburan emas.
Screenshot: Kategori pelaburan emas
2. Mengapa anda perlu membeli emas?
Untuk pengetahuan anda, emas merupakan simpanan/pelaburan yang amat baik untuk jangkamasa sederhana dan panjang.
Ini kerana nilai emas sentiasa meningkat dalam jangkamasa panjang.
Saya ambil contoh syiling Kijang Emas:
Harga untuk 1 Oz (31.10 gram) syiling Kijang Emas pada 18 Julai 2001 ialah RM1082.00 dan pada 17 Jun 2008 – harganya ialah RM3048.00 !!!
Ini adalah kenaikan harga sebanyak 181.70% dalam masa 7 tahun atau purata kenaikan 25.95% setahun!!
Harga Emas dunia 10 tahun
Dalam konteks harga emas pasaran dunia, mari lihat carta ini:
Pada Jun 1998, harga emas adalah 300 USD per Oz (RM30.86/gram)
Pada Jun 2008, harga emas mencecah 890 USD per Oz (RM91.50/gram)
Ini adalah kenaikan 284% dalam 10 tahun bersamaan 28.4% setahun!
Ini jelas membuktikan bahawa pelaburan di dalam emas sangat stabil, hebat dan memberikan pulangan yang tinggi (sekitar 25 – 28% setahun)
Kenapa anda perlu membeli emas?
Selamat datang ke blog jutawanemas!
Blog ini bertujuan memberikan anda panduan dan teknik-teknik membuat pelaburan emas di Malaysia.
Emas merupakan salah satu cabang pelaburan yang sangat menarik untuk diketahui. Dengan mempelajari rahsia pelaburan emas, anda akan mempunyai portfolio pelaburan yang amat menguntungkan.
Untuk mengetahui bagaimana mendapatkan keuntungan dengan pembelian/pelaburan emas, maka saya cadangkan agar anda membaca semua artikel yang terdapat dalam blog ini.
Blog ini mula ditulis sejak Jun 2008.
Jadi dah ada banyak artikel yang terdapat mengenai pelaburan emas ini.
1. Membaca artikel-artikel terdahulu.
Anda boleh membaca artikel-artikel terdahulu dengan klik pada “kategori” yang terdapat di laman hadapan blog ini (di sebelah kanan blog ini).
Dengan membaca artikel ini dari mula, anda akan mendapat pemahaman mengenai pelaburan emas.
Screenshot: Kategori pelaburan emas
2. Mengapa anda perlu membeli emas?
Untuk pengetahuan anda, emas merupakan simpanan/pelaburan yang amat baik untuk jangkamasa sederhana dan panjang.
Ini kerana nilai emas sentiasa meningkat dalam jangkamasa panjang.
Saya ambil contoh syiling Kijang Emas:
Harga untuk 1 Oz (31.10 gram) syiling Kijang Emas pada 18 Julai 2001 ialah RM1082.00 dan pada 17 Jun 2008 – harganya ialah RM3048.00 !!!
Ini adalah kenaikan harga sebanyak 181.70% dalam masa 7 tahun atau purata kenaikan 25.95% setahun!!
Harga Emas dunia 10 tahun
Dalam konteks harga emas pasaran dunia, mari lihat carta ini:
Pada Jun 1998, harga emas adalah 300 USD per Oz (RM30.86/gram)
Pada Jun 2008, harga emas mencecah 890 USD per Oz (RM91.50/gram)
Ini adalah kenaikan 284% dalam 10 tahun bersamaan 28.4% setahun!
Ini jelas membuktikan bahawa pelaburan di dalam emas sangat stabil, hebat dan memberikan pulangan yang tinggi (sekitar 25 – 28% setahun)
Untung Ke ? Buat loan Bank Untuk Beli Emas.
Untung Ke ? Buat loan Bank Untuk Beli Emas.
[dipetik dari www.jutawanemas.com]
Untung ke? Buat loan bank untuk beli Emas.Written on 23 July 2008 – 1:28 am by syukor.
Antara soalan-soalan cepu emas yang saya selalu terima melalui emel ialah :
“Saya berminat nak membeli emas, tapi sekarang modal tak der lagi. Cammana kalau saya buat loan bank? ok ke?
So saya akan memberikan jawapannya di dalam posting ini. Untuk orang yang nak buat pinjaman bank, ini jer petuanya…
Pinjaman yang baik ialah pinjaman yang menyebabkan anda menjadi bertambah kaya,
Pinjaman yang buruk ialah pinjaman yang menyebabkan anda bertambah miskin.
Mudah kan?
Sebelum anda buat pinjaman bank, cuba buat kira-kira sket, tanya diri sendiri.
“Adakah aku akan bertambah kaya dengan loan nie? Atau bertambah beban nak bayar installment bulanan?
”Selepas itu baru anda akan sedar bahawa pinjaman ini baik untuk kesihatan kewangan anda atau sebaliknya.
Ok, berbalik pada cerita buat pinjaman untuk membeli emas.
Di sini adalah analisis data yang sebenar..
Pada Mei 2002 jika anda buat personal loan Bank Rakyat sebanyak RM10,000 selama 5 tahun maka anda perlu bayar RM227 sebulan bermula Jun 2002 sampai April 2007.
Jadi jumlah bayaran kepada bank selama 5 tahun ialah RM13,620.00
Bank akan dapat untung sebanyak RM3620.00 (bersamaan 36.30%) selepas 5 tahun.
Katakan dengan loan RM10,000 semuanya anda beli syiling Kijang Emas 1 Oz (2 Mei 2002). Harga Kijang Emas 1 Oz ketika itu ialah RM1244.00 (semak kat sini)
Jadi anda dapat beli 8 Keping Kijang Emas 1 Oz.
Bila loan anda dah selesai bayar pada April 2007, nilai Kijang Emas 1 Oz itu telah naik menjadi RM2351.00 (2/4/2007).
Dengan kata lain, setelah 5 tahun Kijang Emas anda sebanyak 8 keping itu berharga RM2351.00 x 8 = RM18,808!
Kalau anda jual semua syiling Kijang Emas tersebut pada 2/4/2007, maka keuntungan bersih anda ialah RM5188.00!Anda untung 51.88%
Katakan anda tak nak jual Kijang Emas tersebut dan masih memegang sehingga hari ini (23/7/2008). Berapa untungnyer?
Jom kira…
Harga Kijang Emas pada 22/7/2008 ialah RM3208.00 seunit, Jadi RM3208.00 x 8 keping =RM25,664.00!!
Keuntungan bersih anda ialah
RM12,044!!dalam masa 6 tahun (bersamaan 120%)
120% / 6 = 20% > Bijak - Bijak !!!! bermula Rm00.00 Dapat Rm25K.**
Kesimpulannya…
Saya dapat simpulkan bahawa pinjaman bank yang digunakan untuk membeli emas mampu memberikan pulangan yang menarik.
So, betullah orang tua-tua cakap. Beli emas nie tak rugi…
Ok, apa tunggu lagi…
buat loan bank dan beli emas Jangan pinjam along dah ler…
Walaupun data yang saya gunakan disini adalah data sebenar, tapi saya tak dapat menjamin kenaikan harga emas pada masa hadapan. Ini adalah panduan semata-mata. Kalau anda nak buat loan, terpulanglah pada anda. Saya cuma berkongsi ilmu.
[dipetik dari www.jutawanemas.com]
Untung ke? Buat loan bank untuk beli Emas.Written on 23 July 2008 – 1:28 am by syukor.
Antara soalan-soalan cepu emas yang saya selalu terima melalui emel ialah :
“Saya berminat nak membeli emas, tapi sekarang modal tak der lagi. Cammana kalau saya buat loan bank? ok ke?
So saya akan memberikan jawapannya di dalam posting ini. Untuk orang yang nak buat pinjaman bank, ini jer petuanya…
Pinjaman yang baik ialah pinjaman yang menyebabkan anda menjadi bertambah kaya,
Pinjaman yang buruk ialah pinjaman yang menyebabkan anda bertambah miskin.
Mudah kan?
Sebelum anda buat pinjaman bank, cuba buat kira-kira sket, tanya diri sendiri.
“Adakah aku akan bertambah kaya dengan loan nie? Atau bertambah beban nak bayar installment bulanan?
”Selepas itu baru anda akan sedar bahawa pinjaman ini baik untuk kesihatan kewangan anda atau sebaliknya.
Ok, berbalik pada cerita buat pinjaman untuk membeli emas.
Di sini adalah analisis data yang sebenar..
Pada Mei 2002 jika anda buat personal loan Bank Rakyat sebanyak RM10,000 selama 5 tahun maka anda perlu bayar RM227 sebulan bermula Jun 2002 sampai April 2007.
Jadi jumlah bayaran kepada bank selama 5 tahun ialah RM13,620.00
Bank akan dapat untung sebanyak RM3620.00 (bersamaan 36.30%) selepas 5 tahun.
Katakan dengan loan RM10,000 semuanya anda beli syiling Kijang Emas 1 Oz (2 Mei 2002). Harga Kijang Emas 1 Oz ketika itu ialah RM1244.00 (semak kat sini)
Jadi anda dapat beli 8 Keping Kijang Emas 1 Oz.
Bila loan anda dah selesai bayar pada April 2007, nilai Kijang Emas 1 Oz itu telah naik menjadi RM2351.00 (2/4/2007).
Dengan kata lain, setelah 5 tahun Kijang Emas anda sebanyak 8 keping itu berharga RM2351.00 x 8 = RM18,808!
Kalau anda jual semua syiling Kijang Emas tersebut pada 2/4/2007, maka keuntungan bersih anda ialah RM5188.00!Anda untung 51.88%
Katakan anda tak nak jual Kijang Emas tersebut dan masih memegang sehingga hari ini (23/7/2008). Berapa untungnyer?
Jom kira…
Harga Kijang Emas pada 22/7/2008 ialah RM3208.00 seunit, Jadi RM3208.00 x 8 keping =RM25,664.00!!
Keuntungan bersih anda ialah
RM12,044!!dalam masa 6 tahun (bersamaan 120%)
120% / 6 = 20% > Bijak - Bijak !!!! bermula Rm00.00 Dapat Rm25K.**
Kesimpulannya…
Saya dapat simpulkan bahawa pinjaman bank yang digunakan untuk membeli emas mampu memberikan pulangan yang menarik.
So, betullah orang tua-tua cakap. Beli emas nie tak rugi…
Ok, apa tunggu lagi…
buat loan bank dan beli emas Jangan pinjam along dah ler…
Walaupun data yang saya gunakan disini adalah data sebenar, tapi saya tak dapat menjamin kenaikan harga emas pada masa hadapan. Ini adalah panduan semata-mata. Kalau anda nak buat loan, terpulanglah pada anda. Saya cuma berkongsi ilmu.
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