热门标签

DO YOU HAVE ENOUGH FOR A COMFORTABLE RETIREMENT?

时间:4天前   阅读:15   评论:9

皇冠管理端www.99cx.vip)实时更新发布最新最快最有效的皇冠管理端网址,包括皇冠管理端手机网址,皇冠管理端备用网址,皇冠管理端最新网址,皇冠管理端足球网址,皇冠管理端网址大全。

Start financial planning early to ensure a comfortable retirement. Do not wait until the final years of your working life to only just start thinking about your retirement funds.

Here’s how you can plan your finances for your golden years

WHEN it comes to retirement, most Malaysians have one thing in mind – their Employees Provident Fund (EPF) savings that they have accumulated over their working life.

Mandatory retirement savings are generally viewed as our nest egg for the day we retire.

However, taking into account the cessation of a stable income when we retire, how certain are you that your nest egg will comfortably see you through your golden years?

In fact, referring to EPF statistics, only 18% of its total members have accumulated the minimum recommended retirement savings of RM240,000 at age 55.

Even more alarming, 6.1 million members currently have less than RM10,000 in their accounts, of which 3.6 million have less than RM1000 – levels at which members cannot guarantee their retirement.

Furthermore, out of almost 15.2 million registered members, only 7.7 million (about half) are active contributors, as of December 2021.

,

皇冠APP下载www.hg108.vip)是一个开放皇冠即时比分、皇冠官网注册的平台。皇冠注册平台(www.hg108.vip)提供最新皇冠登录,皇冠APP下载包含新皇冠体育代理、会员APP。

,

Bearing in mind the rising costs of living, as well as other expenses such as healthcare or other emergencies, it is not surprising that many Malaysians may end up with insufficient savings or pension to rely on upon retirement.

So, how then can you ensure you have enough money for a comfortable retirement?

Start planning now

First off, retirement planning should start early. Do not wait until the final years of your working life to only just start thinking about your retirement funds.

You should also refrain from withdrawing your mandatory savings, unless absolutely necessary.

It is also wiser and more prudent to diversify your savings, rather than put everything into one basket, such as investing your entire wealth in property or solely relying on EPF savings.

‘Don’t let worries about your future keep you up at night. Make a plan instead,’ says chief executive officer and country head, Principal Malaysia, Munirah Khairuddin”.

Many Malaysians would withdraw their mandatory savings once they reach retirement age of 55 or 60 and place all the money in a bank account.

However, this would not be the best and wisest way to ensure you have enough to last you for the years to come, bearing in mind the cessation of stable income once you have retired.

上一篇:usdt支付对接:Ex-Kelantan deputy MB dies

下一篇:usdt官网(www.trc20.vip):Another successful SME Bank sukuk issuance

网友评论

  • 2022-11-25 00:09:44

      部署在美国肯塔基州坎贝尔堡基地的第101空降师,大约4700名士兵已被部署罗马尼亚境内,加强北约东翼安全。部队正在当地举行联合实弹地面和空中突击演习。该空降师指挥官卢巴斯表示,「此次部署是为了保卫北约领土,但如果战事升级或北约遭到攻击,他们已经做好了穿越边境进入乌克兰的准备。」指挥官马泰德斯则称,他们一直在「密切关注」俄罗斯军队。可以拍成电视剧了。

  • 2022-12-07 00:47:55

    Stocks are rallying largely because some investors believe the Fed will pull back on tightening monetary policy sooner than previously expected, although Fed officials aren't making that promise.扩列扩列了