×
Explore Sun Life Financial Worldwide
Regions
Worldwide www.sunlife.com
Canada
www.sunlife.ca
www.mcleanbudden.com
www.sunlifeglobalinvestments.com
China
Hong Kong, SAR
India
www.birlasunlife.com
www.sunlife.com/asiaservicecentre
Indonesia
International
Ireland
Malaysia
Philippines
www.sunlife.com.ph
www.sunlifegrepa.com
www.sunlife.com/asiaservicecentre
Singapore
United Kingdom
United State
www.sunlife.com/us
www.mfs.com
Vietnam
Search:
Search:
LOGIN
Best Doctors
SunAccess agent login
SunAccess customer login
Sun Advisor Management login
CGB Treasury Advisor
How to file a claim
SunAccess Client Login
Malaysia | EN
LOGIN
Best Doctors
SunAccess agent login
SunAccess client login
Sun Advisor Management login
CGB Treasury Advisor
About Us
About Us
Who Are We
Overview
Corporate Governance
Financial Statement
Leadership
Board of Directors - Assurance
Board of Directors - Takaful
Management Team
Shariah Committee
Awards and Recognition
2023
2022
2021
2020
2019
2018
2017
2016 - 2013
Newsroom
In the News
Media Release
Photo Gallery
Sustainability
Sustainability
Value-Based Intermediation for Takaful (VBIT)
Anti-Bribery and Anti-Corruption Guidelines
Whistleblowing Guidelines
About Us
Who Are We
Overview
Corporate Governance
Financial Statement
Leadership
Board of Directors - Assurance
Board of Directors - Takaful
Management Team
Shariah Committee
Awards and Recognition
2023
2022
2021
2020
2019
2018
2017
2016 - 2013
Newsroom
In the News
Media Release
Photo Gallery
Sustainability
Sustainability
Value-Based Intermediation for Takaful (VBIT)
Anti-Bribery and Anti-Corruption Guidelines
Whistleblowing Guidelines
Plans
Plans
Protection Needs
Investment-linked Funds
Fund Information
Fund Pricing
Fund Performance Report
Fund Fact Sheet
Unit Price Calculator
Universal Life Fund
Monthly Crediting Rate 2024
Monthly Crediting Rate 2023
Monthly Crediting Rate 2022
Monthly Crediting Rate 2021
Monthly Crediting Rate 2020
Plans
Protection Needs
Investment-linked Funds
Fund Information
Fund Pricing
Fund Performance Report
Fund Fact Sheet
Unit Price Calculator
Universal Life Fund
Monthly Crediting Rate 2024
Monthly Crediting Rate 2023
Monthly Crediting Rate 2022
Monthly Crediting Rate 2021
Monthly Crediting Rate 2020
Campaigns
Campaigns
#LEGACY
Live Healthier Lives
Brighter Health Screening Programme 2023
Brighter Wellness Programme 2023
Sustainability Talk Show
Did You Know Series
InsureLit Campaign
Takaful Podcast
Campaigns
#LEGACY
Live Healthier Lives
Brighter Health Screening Programme 2023
Brighter Wellness Programme 2023
Sustainability Talk Show
Did You Know Series
InsureLit Campaign
Takaful Podcast
Life Moments
Life Moments
Learn & Plan
Health For Life
Money Matters
Social Responsibility
Bright Facts
Rewarding Retirement
The life stages chart
Discover our Client Stories
Overview
Life Moments
Learn & Plan
Health For Life
Money Matters
Social Responsibility
Bright Facts
Rewarding Retirement
The life stages chart
Discover our Client Stories
Overview
Client Care
Client Care
Make a claim
Submission
Panel hospitals
Make a payment
Overview
Credit/Debit card
Direct debit - CIMB Bank
Direct debit - other banks
Standing instruction
One time payment
Online Banking
Make a service request
Insurance
Takaful
Outstanding Document Submission
Downloads
Client charter
Treat clients fairly charter
Frequently asked questions (FAQs)
Services Tax
e-Payment
Guide to Investment-linked
Sanctioned Countries
TIPS Brochure by PIDM
Profit Equalisation Reserve (PER)
Medical Rate Revision
Glossary
General FAQ
Terms and Conditions / Guidelines
COVID-19 Updates
Deferment of Premium / Contribution Payment
Fraud and Cybersecurity Awareness
Client Care
Make a claim
Submission
Panel hospitals
Make a payment
Overview
Credit/Debit card
Direct debit - CIMB Bank
Direct debit - other banks
Standing instruction
One time payment
Online Banking
Make a service request
Insurance
Takaful
Outstanding Document Submission
Downloads
Client charter
Treat clients fairly charter
Frequently asked questions (FAQs)
Services Tax
e-Payment
Guide to Investment-linked
Sanctioned Countries
TIPS Brochure by PIDM
Profit Equalisation Reserve (PER)
Medical Rate Revision
Glossary
General FAQ
Terms and Conditions / Guidelines
COVID-19 Updates
Deferment of Premium / Contribution Payment
Fraud and Cybersecurity Awareness
Contact Us
Contact Us
Contact info
Enquiry form
Careers
Become an Advisor
Be An Insurance Specialist
Contact Us
Contact info
Enquiry form
Careers
Become an Advisor
Be An Insurance Specialist
How to file a claim
SunAccess Client Login
Explore Sun Life Financial Worldwide
Home
Life Moments
Learn & Plan
Rewarding Retirement
Kelebihan mencapai kebebasan kewangan
Share:
Rewarding Retirement
Life Moments
Learn & Plan
Health For Life
Money Matters
Social Responsibility
Bright Facts
Rewarding Retirement
The life stages chart
Discover our Client Stories
10 February 2020
Oleh Gracie Maulion​
Kelebihan Mencapai Kebebasan Kewangan
Kehidupan dalam kitaran pergantungan dan tanggungan adalah sangat memenatkan dan boleh mencetuskan pelbagai dilema. Antara contohnya ialah perbelanjaan yang tidak dijangka yang akan menyukarkan keadaan diri terutamanya jika dompet kita kosong dan tidak bersedia. Terasa seperti kehidupan kita tersekat apabila ada senarai hutang yang panjang di dalam kepala kita.
Kebanyakan orang menjadikan kebebasan kewangan sebagai matlamat utama dan ini mampu dicapai dengan perancangan kewangan yang serius. Kebebasan kewangan adalah keadaan di mana anda mempunyai kebebasan daripada kebimbangan berkaitan-wang dan persediaan yang sewajarnya untuk masa depan serta gaya hidup yang diingini.
Kelebihannya, seperti disenaraikan di bawah, merangkumi ketenangan minda diri dan menjadi contoh yang baik untuk generasi seterusnya.
1. Anda memiliki kawalan penuh ke atas masa anda
Anda boleh menentukan bagaimana anda mahu menggunakan masa anda seperti meneruskan minat anda atau meluangkan lebih banyak masa bersama keluarga tanpa rasa bersalah atau bimbangkan kos yang ditanggung.
2. Anda rasa terjamin
Anda boleh memiliki ketenangan minda mengenai kewangan kerana anda telah menyediakan dana kecemasan atau mempunyai
pelan persaraan
. Ia juga memberi kelegaan kerana anda mampu menyara keluarga anda – walau apa yang berlaku.
3. Anda boleh memberi seikhlas hati
Anda dapat menghulurkan bantuan kepada orang lain di saat mereka memerlukannya atau pun menjamu selera bersama yang tersayang tanpa memikirkan kesannya ke atas perbelanjaan bulanan anda. Bak kata pepatah: tangan yang memberi lebih baik daripada yang menerima.
4. Anda boleh mencuba pelbagai peluang
Anda boleh mengambil lebih banyak risiko apabila keadaan kewangan terjamin, bukan setakat kerjaya, malah untuk menikmati kembara kehidupan yang lebih menyeronokkan seperti percutian dan mempelajari kemahiran baru.
5. Anda memberikan contoh yang baik kepada generasi akan datang
Anda boleh mewariskan kekayaan kepada generasi seterusnya dan tidak meninggalkan hutang kepada mereka. Warisan ini bukan sekadar wang ringgit, malah seperti pengajaran untuk lebih bertanggungjawab dalam pengurusan hal-ehwal kewangan mereka.
Pengurusan kewangan bijak adalah penting untuk kehidupan yang lebih selesa.
Hubungi
penasihat kami dan mereka akan membantu perancangan masa hadapan anda yang lebih cerah.
Talk to an advisor
Please select a state
Johor
Kedah
Kelantan
Kuala Lumpur
Melaka
Negeri Sembilan
Pahang
Perak
Perlis
Pulau Pinang
Sabah
Sarawak
Selangor
Terengganu
Please select one
Building my savings
Planning for retirement
Investment advice
Leaving a legacy
Plan for medical protection
Question about my current plan, coverage or a claim
Preferred Language:
English
Malay
Chinese
I have read, understood and accepted the
Data Protection Notice
provided by Sun Life Malaysia.
Submit