MALAYSIA RETIREMENT PLAN
Can your EPF sustains your retirement needs?

ESSENTIAL EXPENSES
(loan repayment is excluded because all loan payable must be fully paid up before you retire)
Is my EPF sufficient ?
   
Your details  Current Age? Retirement Age?
CURRENT
value
Age 35 INFLATION % FUTURE
value
Retirement Age 55
(20years )
TOTALCOST 
until Age 75
( 20 years)
Yearly cost  Yearly cost
Daily Meal 7300 3.6 40 14600 292000
Monthly Utilities
Electricity, Water, Telephone, Home maintenance & etc
3600 3.6 600 7200 144000
Monthly Wellness & Medical 
assumption that there is no major illness
1200 3.6 200 2400 48000
Monthly expenses
Petrol, Car Maintenance, Road tax, Insurance, Pocket Money, Domestic Helper & etc
7200 3.6 600 7200 144000
Yearly Lifestyle
Overseas Holiday, Golf, Hobbies & etc
or Emergency
5000 3.6 10000 10000 200000
TOTAL 24300 49066 981320
2025
per month
3450
per month
Copyright © 2008
www.einsuran.com
Terms of Use
Disclaimer : The above computation is for illustration purpose only. Your needs may be different from the above.
We are not liable for any misinterpretations and kindly contact your personal financial planner before making
any financial decision. Thank you.
 
Average lifespan for a Malaysian Male=75 and Female=78.



Your target retirement fund is 981320 before reaching age 55.
You only have
20 years to save. Based on an Investment Return of 6% per annum,
you need to save
22676  per annum or 2223 per month. 

Why starting early is important?

Start Age Retirement
Target
Saving Per Year Saving Per Month
20 981320 8806 733
25 981320 12412 1034
30 981320 17886 1490
35 981320 26676 2223
40 981320 42160 3513
45 981320 74450 6204
50 981320 174082 14506
55 981320 981319 81776

Because time is money, if you are able to leverage on it !
Your monthly saving will be lesser if you start earlier

ANYONE who follow this principle will be able to achieve FINANCIAL INDEPENDENCE
Before RETIREMENT




The fact is everyone will retire one day and we need a substantial amount to retire comfortably.
Chances are only 5% of us will achieve this goal and the rest will suffer because of "Procrastination".
2 major elements that will impact our retirement fund are Interest Rate and Inflation Rate, which we cannot
control. But start early and the regular monthly saving are within our control.

The secrets are START EARLY and BUILD A REGULAR SAVING HABIT

COPYRIGHT 2005 - 2008 www.einsuran.com
MALAYSIA INSURANCE PORTAL

ENDOWNMENT, ANNUITY, WHOLE LIFE, GUARANTEED INCOME PLAN, INVESTMENT LINKED, UNIT LINKED, SINGLE PREMIUM