vitamin cash - all about REITs

大马国民的真实财务状况，或许比你想像中差很多

investfuture
Publish date: Thu, 04 Dec 2014, 08:58 AM
investfuture
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all about malaysia, singapore reits
Following Message
以前uncle jim阅读报纸时，不时听闻某某先进国的国民储蓄率低，就如这份2013年8月4日- 星洲日报的报道 ：" 没钱储蓄，75%美国人是月光族"

我过往都认为，大马的储蓄率偏高，绝不会发生有如该先进国的壮举，直到最近读了这份报告，根据Malaysia Human Development Report 2013的调查，透露以下数据：

1）53% 的国民没有任何资产
2）33%的国民没有任何银行户口
3）国民表面上拥有高储蓄率，其实那是由于企业储蓄造成，真实的情况是，高达88%的国民，没有任何储蓄（不包含EPF)
4）57%的国民没有任何投资收入
5）根据EPF的数据，高达2.1million，或33.33%的会员，月收入低于RM1000, 76.8%的国民收入少于RM3000, 以及90%的国民收入少于RM5000

我不知道这份报告的准确度有多高，如果属实，则我们现在的情况比"一向不储蓄"的美国更糟，我简直不敢相信高达88%的国民没有任何储蓄！

以大马现在的财务状况，如果一个经济风暴盖过来，不知道有多少人根本没能力"避难" 特别是大马家庭债务位于高水平，占GDP的87%，如果国民没任何储蓄，风暴来临银行关水喉，该如何还贷？

难道说，投资者应该避开银行股？最近銀行股大跌，不知是否這原因呢？~ 哈哈


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Discussions
Be the first to like this. Showing 2 of 2 comments

shuen

please digest following information & reevaluate above newspaper paper information

item 1
presumption
when daddy buy property he only put his name & wife name even though he got 2-3 children => 40% ownership only, don't worry many people still got house to stay even though not under their name

item 2
Malaysian Population
Age structure: 0-14 years: 28.8% (male 4,456,033/female 4,206,727)
15-24 years: 16.9% (male 2,580,486/female 2,511,579)
25-54 years: 41.2% (male 6,277,694/female 6,114,312)
55-64 years: 7.6% (male 1,163,861/female 1,122,746)
65 years and over: 5.5% (male 777,338/female 862,577) (2014 est.)
==> 33% without saving AC quite reasonable

the rest, ask the bosses...

current sentiment too negative...any news also bad news

2014-12-04 18:09

valuespec

How about item 3 & 4? 88% no saving & 57% no income from investment?

Only item 5 should bosses to answer.

2014-12-04 20:12

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