Bagaimana Kaedah Mengira Dividen KWSP?

Terdapat pelbagai persoalan bermain difikiran pencarum KWSP tentang bagaimana proses pengiraan dividen KSWP terutama sekiranya terdapat pengeluaran samada untuk tujuan (Pengeluaran perumahan, pembelajaran, kesihatan, pelaburan) mahupun penambahan caruman bulanan semasa.

Walaupun Dividen KWSP dikira hanya setahun sekali; Namun, kadar yang dihebahkan tersebut akan dikira secara ‘PRORATA’ kadar harian ‘daily rest’ terhadap setiap RM yang ada dalam akaun 1 & 2. Walaupun ada pengeluaran pada bulan-bulan yang tertentu, dividen akan tetap dibayar berdasarkan berapa lama tempoh hari pada tahun tersebut.

  • Untuk Caruman – Dividen hanya dikira pada hari terakhir pada bulan tersebut tanpa mengambil kira pada mana-mana hari pada bulan tertentu. Contohnya, Dividen hanya akan dikira pada 30hb April dan seterusnya walaupun caruman KWSP dimasukkan pada 20hb Mac pada tahun tersebut.
  • Untuk Pengeluaran – Dividen hanya akan dikira setakat pada hari sebelum hari pengeluaran, tiada dividen pada hari pengeluaran.

Cara Mengetahui Cukup ke Wang KWSP untuk bersara kelak? rujuk Berapa Lama Wang Saya Mampu Bertahan

Untuk Cara Pengiraan Dividen Oleh KWSP, boleh rujuk —-> http://myrakan.com/misc/kwsp.php

Apakah faktor-faktor utama yang menghabiskan wang persaraan anda? Video Faktor Kehabisan Kewangan

Contoh Pengiraan berdasarkan senario tersebut:

KWSP umum kadar dividen sebanyak 5.7% untuk tahun 2016. Baki terdahulu pencarum ialah sebanyak RM200,000.00 (Akaun 1 & 2), caruman bulanan pula sebanyak RM2,100 manakala pengeluaran sebanyak RM40,000.00 pada 20hb Januari 2016.

Dividen January ‘Dari 1 – 19hb Januari, dividen dikira sebegini’

Dividen akaun 1 & 2 = (200,000+2,100) X 5.7% / 365hari X 19 hari = RM599

Manakala dari 20- 30hb Januari pula dikira sedemikian

Dividen akaun 1&2 = (200,000 + 2,100 – 40,000) X 5.7% / 365hari X 11 hari = RM278

Pada 31hb Januari, Dividen dikira seperti berikut,

Dividen akaun 1&2 = (200,000 + 2,100 – 40,000 + 2,100) X 5.7% / 365hari = RM26

#Terima Kasih Kepada Rakan Kami di 1 million team, konsultan untuk pengiraan ini.

Sekiranya anda ingin mendapat pelbagai maklumat bengkel kewangan kami; Anda dijemput untuk menyertai ‘Group Whatsapp’ kami! Jangan Risau, Hanya ADMIN boleh kongsi maklumat: Bengkel Kewangan Kuasai Wang Anda 2021

LANGGANI e-BOOK Terbaru Kami

Dapatkan e-Book terbaru kami berkenaan ‘perancangan kewangan’. Klik link tersebut untuk maklumat lanjut —> https://faisalmalikco.com/product/E-Book/17-tips-jutawan-muda/


Perkongsian Pelbagai Tips Kewangan Oleh Kumpulan FMCo. Diketuai Coach FM, barisan Jurulatih dan Pengamal Kewangan Korporat/ Individu yang Bertauliah.Sertai Telegram https://t.me/TipsKuasaiWangbyFMCo

Business Plan Guide (101)

This coronavirus pandemic or Covid-19, has traveled around the globe and as at the last count affected across the globe within a short span of time. It has taken most countries by surprise and set off motion to mitigate or stave off the deadly spread that can ultimately lead to death.

There are another serious issue arises from the virus, which is Poverty!

Help us to spread the simplify business plan to as a guide to our SMEs out there. Entrepreneurship is one the way out to the unemployment and poverty.

 

BUSINESS RESOURCE INFORMATION

1 – Business Ideation to Business Plan Preparation (Part 1)

2-Business Ideation to Business Plan Preparation (Part 2)

3-Business Ideation to Business Plan Preparation (PART 3)

4- Business Model Canvas (Kellogs India Success story)

 

The Business Plan

Business Model Canvas

Disclaimer

All content provided on this ‘www.faisalmalikco.com’ for informational purposes only. The owner of this blog makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site.

The owner of www.faisalmalikco.com will not be liable for any errors or omissions in this information nor for the availability of this information. The owner will not be liable for any losses, injuries, or damages from the display or use of this information.

This terms and conditions is subject to change at anytime with or without notice.

Corporate Governance; Problems and Challenges

Corporate governance is the structure of rules, practices, and processes used to direct and manage a company. A company’s board of directors is the primary force influencing corporate governance.

The responsibilities of the board include setting the company’s strategic aims, providing the leadership to put them into effect, supervising the management of the business, and reporting to shareholders on their stewardship.

Corporate governance is therefore about what the board of a company does and how it sets the values of the company, and it is to be distinguished from the day-to-day operational management of the company by full-time executives.

Studies show that the emerging of good corporate governance in place will increase values towards stakeholders and attracts potential long-term investors. Among the climate governance principles as shown.

Component of the Good Governance

Problems and Challenges

At FMC, Our Governance and risk leader provides advisory, mentoring, and training for commercial organisations conform with the prudent management and a full-fledged of development of a new strategic business perspective.. Reach us at admin@faisalmalikco.com

Mohamad Faisal C.A. (M), CIPFA, CPSA, ASEAN CPA, CFP, DPIN, HRDF Cert Trainer has wide exposure in governance, business finance, corporate adivisory, personal finance, and SME development. He is a business mentor, a certified accountant, a financial planner, and a certified business mentor. He is also a ‘Business Mentoring for Mentors’ from the Entrepreneurship Development Institute of India (EDII) and ‘Entrepreneurship in Emerging Economies’ from HarvardX Business School. He was also appointed as a council member to two national professional bodies, Chairman of SMP Malaysia, Member of the National Governing Committee to MPC Professional Nexus, an Industry Advisor to three local universities. He is also the founder of FaisalMALIK & co [CA].

Part of our past engagement