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How Much Is Needed When I Retired?

72% of retired Malaysians spent all their saving in E.P.F within 3 years

5% of retired Malaysians continue to work after retirement due to financial constraint

12% of retired Malaysians declare bankruptcy

49% of retired Malaysians depend on financial support from others


Only 5% of retired Malaysians enjoy their life after retirement with financially independent


How they do that?

Mortgage or property investment ?
It is a million ringgit investment
Stock market and unit trust investment ?
Must be economically literate
Fixed deposit in bank ?
Interest rate lower than inflation rate
 


Invest in our company retirement fund
Short- term commitment, Long- term Benefit
Guaranteed 10 years investment only
Guaranteed high return rate
Waiver of installment upon diagnosis of critical illness
Protection against Death & Total Permanent Disability




If a 30 years old male, non- smoker
Save as low as RM12.50 a day, RM4500 yearly
 Age
 Saving
Bonus
 31
 RM 4,500.00

 32
 RM 4,500.00
 
 33
 RM 4,500.00
 
 34
 RM 4,500.00 
 
 35
 RM 4,500.00
 
 36
 RM 4,500.00 
 
 37
 RM 4,500.00
 
 38
 RM 4,500.00 
 
 39
 RM 4,500.00

 40
 RM 4,500.00 
 RM 6890.00
 41
 
 RM 2428.00
 42
 
 RM 2428.00
 43
 
 RM 2428.00
 44
 
 RM 2428.00
 45
 
 RM 2428.00
 46
 
 RM 2428.00
 47
 
 RM 2428.00
 48
 
 RM 2428.00
 49
 
 RM 2428.00
 50
 
 RM 2428.00
 51
 
 RM 2428.00
 52
 
 RM 2428.00
 53
 
 RM 2428.00
 54
 
 RM 2428.00
 55
 
 RM 2428.00
 56
 
 RM 2428.00
 57
 
 RM 2428.00
 58
 
 RM 2428.00
 59
 
 RM 2428.00
 60
 
 RM 2428.00
 61
 
 RM 2428.00
 62
 
 RM 2428.00
 63
 
 RM 2428.00
 64
 
 RM 2428.00
 65
 
 RM 2428.00
 66
 
 RM 2428.00
 67
 
 RM 2428.00
 68
 
 RM 2428.00
 69
 
 RM 2428.00
 70
 
 RM 2428.00
 71
 
 RM 2428.00
 72
 
 RM 2428.00
 73
 
 RM 2428.00
 74
 
 RM 2428.00
 75
 
 RM 2428.00
 76
 
 RM 2428.00
 77
 
 RM 2428.00
 78
 
 RM 2428.00
 79
 
 RM 2428.00
 80
 
 RM 2428.00
 81
 
 RM 2428.00
 82
 
 RM 2428.00
 83
 
 RM 2428.00
 84
 
 RM 2428.00
 85
 
 RM 2428.00
 86
 
 RM 2428.00
 87
 
 RM 181,200.00
Total
 RM 54,000.00
 RM 299,793.00