理财 | 退休金每月RM700属于贫穷人士。。

这文章可以让我们审视一下我们现在的‘身家’,目前所做的理财计划是否在对的轨道,帮助让你迈向财务自由,退休金源源不断的目标。

根据报导,以RM167K的退休金退休是属于贫穷。。因为你只能每月用RM700来活至75岁。。而目前贫穷水平花费的标准是每月RM830。。

现在你是不是要去看一下你的EPF有多少钱呢?你手上的资产有多少呢?

如果你现在有至少160K,可以松一点点口气再继续加油,我想你会希望你的退休金是每月至少RM2K吧。

如果你连一半都没达标,请算下你还有能力工作多少年。。。


要点:

According to recent figures from the Employees Provident Fund (EPF), the approximately 70,000 active 54-year-old contributors have an average savings of just under RM167,000 last year.

The recommended minimum savings level is RM196,800.

But even RM167,000 is scant consolation. As the average Malaysian expected to live until 75, retiring at 60 with that amount would mean surviving on just RM700 a month for the rest of their days.

With that amount, retirees would technically slip below the RM830 per month threshold that is indicative of poverty conditions in peninsular Malaysia, based on the Statistics Department’s poverty line income (PLI) for 2012.


请点击原文:Retirement crisis brewing as EPF savings suggest pensioner poverty



理财 | 退休金每月RM700属于贫穷人士。。 理财 | 退休金每月RM700属于贫穷人士。。 Reviewed by Angel Poi Woon on 上午9:17 Rating: 5

4 条评论:

  1. counted mine based on average 5% interest per year...after retirement to live till 75 years ago...have around 3k++..but this figure for those so called financial planner is not sufficient at all. For them we need few millions to retire....

    JS

    JS

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    1. 3K+ ...few millions.. really don't know what will happen in the world after 40 yrs

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  2. 我的EPF少的可怜,因为只在马来西亚工作过很短的时间
    曾经想过要自己进EPF, 但是“资源”有限就放弃了
    希望股票能为我带来稳定的股息,这样就退休有望了

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    回复
    1. EPF只是其中一个管道储蓄,只要我们手上有那么多的资产,也已足够给日后退休金。

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