When you read the CNBC article entitled “Two investing strategies – You and Your Retirement Portfolio” is average working person will have at least two types of funds such as a “safety net” and the “money machine” to be generated before we Choices fut
ure .
The importance of planning our retirement plan is not to be in play. If we Plans the EPF / EPF only, not to come until five years after retirement, chances are we have to work again, or try-try for small-scale trading along the road, or hope for children courtesy of the work (if he those able).
Average we are working to make a compulsory deduction of EPF monthly salary earned money. How many people think I just EPF money later when we Choices? It does not feel like it enough that je? It’s not that I think kind of how I create savings or other income sources to cover the lack of EPF money?
How do I know I EPF enough money or not, just do simple calculation. Suppose that after 30 years of work (from age 25 to age 55 years), EPF account we have in the range of RM500K (example only, there is a large-million salary may fall million in EPF). Suppose also, we are 25 years of age, the annual inflation rate is 2% (assuming it), so if multiplied by 30 years, the rate is 60%.
EPF money amount of time the age of 55 years the total inflation x 60% = RM500K RM300K. Wow! … Burnt RM300K because of inflation, the purchasing power of money RM200K je we live. Just do not RM200K? Now a cup of tea still be able to RM1 boot for next 30 years, maybe the prices increase to RM10 for a cup. Similarly, with the money we, RM500K now maybe it just looks great, but the next 30 years, its value is not as much as any, because I we take into account the annual inflation rate to estimate how much money we can really estimate ” enjoy “the time will come.
Because I was, we can only popular Savings Plans for the supply of old age. S right, I set things God, do what you want to Havoc, Havoc. But we are encouraged to strive so that we do not Inconvenience people. I dare not publish the story of sad we cannot afford the medical costs of Carrying Capacity and suffer the hardships of life in newspapers or on TV programs. Now we are able to plan and work. Use your mind and nature is to find a legitimate source of income and viability.
Combine the retirement plan through income from employment, investments, trading of shares and Unit Trusts (unit trust), savings accounts and so Forth. Monitor each of the portfolios that are in accordance with the goals and objectives that we want. Income from commissions, even promote homestay friends even if I made over 30 years how much can I collect my key how we want to “beat” the annual inflation rate that we are not affected by savings in the future.
If we are able to generate returns from the investment exceeds the annual inflation rate, we are on the right track. For example, if inflation is 2% per year, we try to find an investment portfolio that may be at least 4% per annum of the total investment the same money.
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