Menabung di mana?

like a proverb says: don't put all your egss in one basket,,, dlm konteks menabung ni, kiranya kita letak savings in few places or save dlm few forms/modes lah..

grafik ni is very informative..tp rate pulangan tu tak berapa accurate sbb tu cuma estimation...rate profit(hibah/dividen) Tabung Haji (TH)  few yrs back ni cuma sekitar 3% jer

for me, MZ simpan duit kat TH..

wpun boleh guna apps TH utk withdraw, tp bkn instant ie standard 3 working days baru dpt duit tu...or kalau rajin (urgent nak pakai cash) dan during office hrs, boleh jugak withdraw kat kaunter TH..

MZ ada jugak koleksi gold jewellery (utk melaram/GOTD) dan ada sikit saving dlm bentuk goldbar (actually mcm baru nak start betul2/konsisten beli/save goldbar ni)...

emas memang savings long term so kalau nak jual, kena tunggu average 5 -10 yrs baru dpt profit, the longer is the better. 

ni gmbr handfie - GOTD (gold of the day)...seronok dpt melaram gini dan boleh jer jual kalau urgent nak pakai duit

tujuan MZ buat savings... selain utk emergency, memang utk education my boys..zharfan akan masuk main campus oct next year Insya Allah, 

so kena stand by cash utk byr fees etc (plan tak nak amik PTPTN loan, dan moga2 ada rezeki zharfan utk apply scholarship JPA kalau dpt score semua papers yg diambil)

then MZ beria juga savings utk ariff ...now he's in form 2, lagi 4 tahun nak masuk matriks Insya Allah, so kena ada cash one shot utk preparation dan byr fees etc...so far savings utk ariff MZ simpan kat TH jer

tabung TH ni MZ beli kat website TH...menggamit memori sbb masa MZ sek rendah/menengah, memang ada tabung ni kat rumah kat kampung...rasanya dpt FOC bila bukak akaun TH..nowadays kena beli kalau nak tabung ni

razeen baru 9 thn (djh 3), Insya Allah, ada lagi 9 tahun utk masuk uni..so MZ hrp dpt simpan gold bar (setakat termampu) sbb lmbt lagi nak guna/convert to cash. savings kat TH tak berapa ada sgt utk razeen sbb selalu MZ amik/pinjam guna jadi tak bertambah2 savings nya, asyik berkurang jer, so rasanya better fokus savings goldbar utk razeen

ni gmbr one of my habib goldbar (this one beli kat via tik tok shop - habib official store)..so far baru sekali jer beli kat tiktok shop tu...sbb harga tak ngam dgn bajet (tak reti nak cari timing utk dpt good price), thn ni, MZ ada jugak beli goldbar kat shopee (habib official store)

so uolls menabung di mana? 

rasanya ramai yg simpan dlm ASB jugak kan (cuma lately profit/dividen dh tak berapa memberangsangkan compared to zmn2 dulu...)