Financial Health Quiz

Answer all items (A/B/C). Click Calculate · Kira to get your score and guidance. · Jawab semua item (A/B/C). Klik Calculate · Kira untuk skor & panduan.

1) Do you track monthly income & expenses? · Adakah anda menjejak pendapatan & perbelanjaan bulanan?

A) Weekly / Sentiasa

B) Sometimes / Kadang-kadang

C) No / Tidak

2) Do you stick to a monthly budget? · Adakah anda berpegang pada bajet bulanan?

A) Yes / Ya

B) Mostly / Kebanyakannya

C) No / Tidak

3) Monthly saving rate · Kadar simpanan bulanan

A) ≥ 20%

B) 10–19%

C) < 10%

4) Emergency fund coverage · Liputan dana kecemasan

A) ≥ 6 months essentials · ≥ 6 bulan kos asas

B) 3–5 months · 3–5 bulan

C) < 3 months / None · < 3 bulan / Tiada

5) Credit cards paid in full monthly? · Kad kredit dibayar penuh setiap bulan?

A) Always · Sentiasa

B) Sometimes · Kadang-kadang

C) No · Tidak

6) Debt-to-Income (DTI) · Nisbah Hutang kepada Pendapatan

A) < 30%

B) 30–45%

C) > 45%

7) Medical & life/term coverage adequate? · Perlindungan perubatan & hayat/term mencukupi?

A) Yes (hospital card + 5–10× income) · Ya (kad hospital + 5–10× pendapatan)

B) Partial · Sebahagian

C) No / Tiada

8) Retirement contributions (EPF/PRS/etc.) · Sumbangan persaraan (KWSP/PRS/dll.)

A) Regular & optimised · Tetap & dioptimumkan

B) Irregular · Tidak tetap

C) None · Tiada

9) Bills paid on time? · Bil dibayar tepat waktu?

A) Always · Sentiasa

B) Sometimes · Kadang-kadang

C) Often late · Sering lewat

10) Diversified, long-term investing plan? · Pelan pelaburan jangka panjang pelbagai?

A) Yes (ETF/unit trust, rebalanced) · Ya (ETF/unit amanah, rebalans)

B) Somewhat · Ada sedikit

C) No / Tiada

Score · Skor:

Educational only · Untuk pendidikan sahaja

Financial Health Quiz

Simple Finance Health Check · Pemeriksaan Kesihatan Kewangan Ringkas

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Financial Health Quiz

Simple Finance Health Check · Pemeriksaan Kesihatan Kewangan Ringkas

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