Assume you retire in the next 30 years, inflation rate 3.5% per year. If you have a house fully paid and being healthy when you retire, you live with minimum RM1500 per month. After accounting for inflation, you need to have RM1500 X 1.035^30 = RM4210. If live by passive income from EPF alone, assume 5.5% interest per year, you need to have RM4210 X 12 / 0.055 = RM918K in EPF. However, this only valid for 30 years from now. You will need more if you intend to live until 80 or even older.
That's assuming you are going to live with RM4210 from the day you retire till death. A safer calculation should consider 50~70% withdrawal rate instead of 100% otherwise you will live poorer and poorer. So 1.8M per person should be a better estimate.
Retirement is not being inactive or just enjoy life by spending. So long you are not working for the sake of making money or fighting for survival or promotion then easing into retirement with a slower pace is an acceptable lifestyle to have.
@@ZFounderClub not really my friend. My children are into tertiary education so it will cost more to support the family. Force savings and to live simply are choices we make it happen. So choosing the right spouse with shared life's values is important. The beauty of characters outweighs physical attributes. I am saying that money is not the main issue as we do family and retirement planning. A lot of young people intended not to get married or married without children because of finance constraints besides they also witness how their parents are struggling their whole life so they choose otherwise. As parents, we show our children otherwise even in the midst of our difficulties in being prudent.
4 million, EPF got benefit of retired person to keep in the EPF account. (assume 5% - 200k per year, 16k per month), indirectly you can use your interest until die, and you still got 4 million. Not much people able to keep that much. The amount you need now is not the same, by the time you retired, you should have your house fully paid. you just need the money to eat. But back to fundamental, is depends how much you need and want to spend. Good to have a dream, but make sure it is realistic.
Yeap, it's about living within your own means. If during your old age years and you didn't manage to save up 4mil, life is not over yet for you. You just have to cut down on other stuff, still can enjoy life to its fullest (Jin)
There is another way of looking at 4 million. The retiree might just want to draw out the interest from the sum for monthly usage and leave the unfinished principle sum as an inheritance after spending on unexpected and expected cost. Traveling overseas can be very costly because of exchange rates.
Asian family household tend to think alot about their next generations and tend to leave everything they have to their kids. It's kinda like a 2-edged sword, it either strengthen them or make them soft.
@@ZFounderClub to some degree. They want to let the next generation have a good start not having in mind to make their children become soft or strawberry generation. That is why it is crucial to train children about being resilient through life experiences we put them in when they are young. Parents can pamper their children yet not spoil them. Parenting is both an art and science.
People who have millions to spend at retirement are normally those that are well-trained in financial literacy. I would say it's only a small portion of them.
@@ZFounderClub I concur with you. My interest in financial planning arises with an insurance agent who later became my children's godmother because she married my best friend. Just keeping an open mind in wanting to learn will be a good start. Wealth management can be divided in wealth generating, wealth accumulation, wealth protection to wealth legacy planning. So we can learn these for free from a well-trained teacher known as a financial advisor or consultant. This is better than learning through videos as we can ask questions on the spot.
你问了一个 million dollar question，解决了就上岸了哈哈。当然我们可以在纸上谈，但是我觉得真的没那么简单。一个普通人如果要从中等资产，上到4 mil，它的一生中要做对很多决定。 包括投资，创业，打工等等。创业单靠收入要存到4mil 我觉得不是不能，但直接售卖 business ( 让人家 MnA ) 会比较快。 打工的话，要找对老板。涨薪要是好的幅度，而且还要算 bonus。
Still can. Definition of retirement is different for everyone. Some need 4 mil. Some need 400k. Some only need 40k. Some even prefer to continue working after retiring.
Some people can survive a day on 10 ringgit, some need a 100, some need a 1000. All comes down to personal preference and lifestyle. No need to be all act up.
@@ZFounderClub I cannot accept illogical narrative, that’s all, NOT being rude. If one wishes to do professional pot cast, BE smart at least. It needs not be rocket scientist to know this simple logic that different individual spends his budget differently.
@@hookkimhin7097 there's a fine line between illogical narration and being narrow minded yourself. 2nd of all, it's podcast, not pot cast. 3rd of all, you yourself mentioned that you're aware of the fact that different individuals spend their budget differently, so what's up with the allegations that we're talking a bunch of nonsense and indirectly pointing fingers at us that we're not using brain to talk? Do you see how much irony there is in your own argument ?
@@ZFounderClub I fail to understand that one should use domestic economic yardstick to measure or discussion, rather than out of blue pluck RM 3.9 million for retirement. This is nothing to do with being narrow minded or attitude. I am a man who can survive with RM 10.00 really if I want as I am too simple a person. And I don’t mind even being homeless as in UK and US, now in Singapore too.
@@hookkimhin7097 that's just the beauty of discussion, where thoughts can be shared or interpreted differently, even based off a same piece of article/ news snippet. In the video, we did not once, in any capacity or in any manner, forced our opinion onto others. It's merely based off our own personal preferences, and my partner was justifying why she needed MYR 4mil. Happy for you that you can survive based off a 10 ringgit budget/ daily. But that does not give you any right to diminish others' opinion. If you still insist that this video is BS, then I'm more than happy to agree to disagree with you. Have a nice day.
投资也不能全部all in去到一个管道，股票是其中一道，毕竟股市的收益大一些，但还是要有其他管道例如EPF，租金以及利息。后者收益或许较低，但不会失去机会成本。股市也是会有崩盘的时候，如果有储备现金流当然就不怕，如果没有的话，当事人会承受很大的心理压力。
当然，不同管道有不同的意义。有些是保险，有些是冒险。总之要 balanced 就是了。(Jin)
Assume you retire in the next 30 years, inflation rate 3.5% per year. If you have a house fully paid and being healthy when you retire, you live with minimum RM1500 per month. After accounting for inflation, you need to have RM1500 X 1.035^30 = RM4210. If live by passive income from EPF alone, assume 5.5% interest per year, you need to have RM4210 X 12 / 0.055 = RM918K in EPF. However, this only valid for 30 years from now. You will need more if you intend to live until 80 or even older.
Well calculated. Rational and well-thought out.
That's assuming you are going to live with RM4210 from the day you retire till death. A safer calculation should consider 50~70% withdrawal rate instead of 100% otherwise you will live poorer and poorer. So 1.8M per person should be a better estimate.
我觉得1m一个人可以退休了，但是必须好好规划。3.9m的话可以过得非常好。
真的！规划很重要！
让我想到很多西方老人的爽快退休生活,每月拿着千五左右去泰国Pattaya退休,便宜又舒服
真的... 在西方他们可能是普通的 m40。来到东南亚直接 T20 爽歪歪 ( Jin )
@@ZFounderClub 其实在西方他们是属于中阶B40, 因为月收入千五USD/EURO/GBP是百分之百的B40群体,但是因为他们的国家发达货币价值高来到了Pattaya直接变成低阶T20,比泰国的百分之八十人口(M40&B40)过得还要好。
所以看到很多移民去菲律宾等等的，原来如此。
@@ZFounderClub 当然有低阶&中阶M40群体在内,不过主力还是中阶&高阶B40,因为低阶B40无法出国, 高阶M40&T20在西方国家本身可以过得很好所以他们会放长假来东南亚进行较高消费旅游过后回去工作,这是我目前所观察到的现象,不一定是百分之百准确性的事实。
本世纪富裕标准：
2000 = 一百万
2010 = 180 万
2020 = 320 万
2030 = 570 万
2040 = 一千万
2050 = 1800万
2060 = 3300万
2070 = 六千万
2080 = 一亿
你说的四百万时间上看差不多。
Yup。其实已经算很 realistic 的数字。
分享一下個人經驗. 我在2020 7月份開始處於半退休狀態, 當時的狀況 : 42歲, 單身, 沒小孩, 需要供養父母, 淨資產2M.
4年過去了, 我現在的淨資產growth到2.7M. 大約估算了一下半退休期間的支出 + 收入.
支出 : 40k (2020 July開始) + 60k (2021) + 62k (2022) + 64k (2023) + 80k (2024 until Sep) = 306k
勞動收入 (IT) : 450k
被動收入 : 550k
現在的資產分配 :
EPF : 524k
債券 : 250k
股票 : 1.3M
房產 : 250 k
現金 : 380 k
Nice stuff! Congrats on retiring!
重點是你的被動收入要高於你的支出. 像我的情況, 如果扣掉勞動收入, 我的被動收入完全可以支撐我的支出還可以存錢的. 無論是流傳甚廣的4%rule 或是 Ivan提到的7% 投資收入. 然後有幾個細節 :
1.) 你的支出是由你的生活習慣, commitment和退休地點決定的. 像我沒有奢侈的習慣, commitment只有父母的供養費, 退休地點在次級城市的怡保. 那麼就可以削減大量支出.
2.) 你的target被動收入目標應該要考慮你的整體資產組合. 像我的EPF 大約 5.5%, 債券 4.5%, 現金 1%.
如果整體收入目標是7%, 我的股票就要負責彌補空缺達到每年11%的收益. 其實不容易的. 個人覺得搭配控制支出是比較理想的方法.
3.) 支出可以隨你的收入調整. 像我今年的股票收入大增, 我就增加一次帶媽媽到韓國旅遊的支出.
4.) 你要有承受資產萎縮的心理能力. 在股票市場, 不是年年都賺錢的, 萬一資產萎縮, 心理承受能力是一種考驗.
个人认为EPF 里有150w, 年息如果到时有7%，一个月大概8000多，屋子供完了，车子供完了，孩子读完大学出来工作了。差不多可以过的不错吧。
不要忘记 inflation! 可能到时候 8000, 就等于现在的4000-5000 而已！
@@ZFounderClub减少欲望比较实际
Retirement is not being inactive or just enjoy life by spending. So long you are not working for the sake of making money or fighting for survival or promotion then easing into retirement with a slower pace is an acceptable lifestyle to have.
Agree, you can still be active in the workforce as much as you want ( ie working ), but now the burden of making money is off your shoulder.
@@ZFounderClub not really my friend. My children are into tertiary education so it will cost more to support the family.
Force savings and to live simply are choices we make it happen. So choosing the right spouse with shared life's values is important. The beauty of characters outweighs physical attributes.
I am saying that money is not the main issue as we do family and retirement planning. A lot of young people intended not to get married or married without children because of finance constraints besides they also witness how their parents are struggling their whole life so they choose otherwise. As parents, we show our children otherwise even in the midst of our difficulties in being prudent.
4 million, EPF got benefit of retired person to keep in the EPF account. (assume 5% - 200k per year, 16k per month), indirectly you can use your interest until die, and you still got 4 million. Not much people able to keep that much.
The amount you need now is not the same, by the time you retired, you should have your house fully paid. you just need the money to eat.
But back to fundamental, is depends how much you need and want to spend. Good to have a dream, but make sure it is realistic.
Yeap, it's about living within your own means. If during your old age years and you didn't manage to save up 4mil, life is not over yet for you. You just have to cut down on other stuff, still can enjoy life to its fullest (Jin)
There is another way of looking at 4 million. The retiree might just want to draw out the interest from the sum for monthly usage and leave the unfinished principle sum as an inheritance after spending on unexpected and expected cost. Traveling overseas can be very costly because of exchange rates.
Asian family household tend to think alot about their next generations and tend to leave everything they have to their kids. It's kinda like a 2-edged sword, it either strengthen them or make them soft.
@@ZFounderClub to some degree. They want to let the next generation have a good start not having in mind to make their children become soft or strawberry generation. That is why it is crucial to train children about being resilient through life experiences we put them in when they are young. Parents can pamper their children yet not spoil them. Parenting is both an art and science.
@@alexlim4508 yup. As the saying goes, tough times create tough man, easy times create easy man.
@@ZFounderClub tough times never last but tough people do. Easy time creates complacency which might generate lazy people.
首先我认为两个主持人说做自己喜欢做的东西就称为退休。
这个应该是错误的，以我来看，目前你们做着东西可以说是喜欢的，但是或多或少也会在意那个工作所带来的收入。
如果目前你们在做着的东西，完全是没有收入，这个时候又会不会那样轻松去面对。
毕竟手上没有流动资金400万，做着自己的喜欢的工作，和有400万做着自己喜欢的东西，那个情景是完全不同的。
明白！但是每个人对退休的定义也不同，只能看个人吧！
哈哈，我从小红书看到你们，追到来youtube 了
感动😭😭😭！谢谢你！
其实以中产4m的退休金，以FD + 蓝筹股每年利息回酬，大概以4%计算。
给一个整数15k一个月，即使激进点的回酬去到20k。
这个时候是要视乎什么年龄。
-以40岁的年龄，就说退休，是远远不够，因为那个年龄，事主本身屋子汽车包含孩子估计都全部都还没settle。
而且手上有400万的流动资产，也不会过得很凄凉，物质上那个东西多少都还有需求。
15k-20k，对于拥有一个Landed 汽车 + 孩子，还有父母要孝顺。
如果还要加上旅行，一个月15k根本是不够，20k才勉勉强强的足够而已。
-以60岁的年龄，那个阶段就不同，屋子汽车孩子+父母这些负担都没了，之后一个月还有15k的回酬。
那个时候就已经足够，而且还能把剩余的钱，继续投入去投资。
即使在过多10年20年，那个400万的资金肯定还会继续增值而留给孩子的资金就可能是500万到800万了。
😂如果有兴趣，可以分享真实的案例给与你们参考。
而4m的话，对于40岁以下的年龄，那个阶段大部分都无法进入到退休生活
相对的可用另一个方式慢生活，工作还是有，但是已经不重要，如果本身花更多的时间去工作。
可能45岁50岁，拥有更多的流动现金，800万1000万，那个阶段是另一种可以用钱赚钱的。
相对的，如果还是慢式生活，那样只要到了55岁60岁，其他的负担没了，手上的资金可能变去5m 6m
怎样的通货膨胀，但是一年得到的被动回酬，还是已经很好生活，40岁以下，和60岁以上，所需要的物质会降低的更多。
谢谢分享！很不错的思维和财务分配呢！
以你40岁的算法来看，这就是为什么这么多人不能早退休的原因。收入高，花费也高，永远都不能退休，做到死。
@@zuiaidelang 其实有在关注留意何时能进入退休的人。
不是说对于物质有要求，而是对于目前这个社会基本的需求，毕竟如果要做到FIRE直接砍完所有的需求，原地退休也可以。
只是将心比心，在2024年，一家三口，要轻松生活，大概率一个月需要3万，2万用于支出，1万用于投资，以用于累计更多的资产。
@@zuiaidelang 其实都有一个计算法。以一个普通30-40岁一家三口的支出。
屋子 = 2-3k
汽车 = 1-2k
一家三口保险 =1k
水电费 宽频 电话费 = 500-1000
工作 5天午餐 两人 = 500
自煮 5天晚餐 两人 = 500
周末 外出用餐 = 1000-1500
双方父母费用 = 1000
*还有其他杂费和购物美容，和实际养一个小孩费用就暂时不加，整体来看都差不多接近1万，加上要外出旅行，以一年30-50k计算。
可能你会问旅行都要50k?
我以我这边计算，我和她都剩下妈妈，所以一个普通的旅行，一年一次，4个人最便宜的中国，都要用掉了15-20k。
只是退休还是有很多方案。
有时候提高你的收入，提高到10万，然后放手让员工处理，然后那个时候，可能把利润分出去，剩下3-5万，那个时候你选择慢生活过日子也行。
另一个就是投资累计财富到500万资金，然后做一些小生意 + 被动收入，一个月也是能有2-3万过活。
而且我说的方案，是需要你要懂得放下，毕竟有些人赚到了10万，还是投资累积到500万资金，然后他们会看上更多，而是死命的做。
对我来说，如果你还没赚到那个金钱，还是投资累计到那个资金。
就多努力吧，毕竟人生只有一次。
不是说要过得多奢侈，而是要把基本都有能力去尝试。
On hindsight, if most people have millions to send at retirement then the pricing for goods and services will also goes up exponentially😂
People who have millions to spend at retirement are normally those that are well-trained in financial literacy. I would say it's only a small portion of them.
@@ZFounderClub I concur with you. My interest in financial planning arises with an insurance agent who later became my children's godmother because she married my best friend.
Just keeping an open mind in wanting to learn will be a good start.
Wealth management can be divided in wealth generating, wealth accumulation, wealth protection to wealth legacy planning. So we can learn these for free from a well-trained teacher known as a financial advisor or consultant. This is better than learning through videos as we can ask questions on the spot.
96年的我觉得3mil已经可以财务自由 6% return每个月就拥有15k的income
看个人啦，可能有些想要多旅行吧
马来西亚中产(M40)，要怎样才能存到Mil3.9 ?
你问了一个 million dollar question，解决了就上岸了哈哈。当然我们可以在纸上谈，但是我觉得真的没那么简单。一个普通人如果要从中等资产，上到4 mil，它的一生中要做对很多决定。
包括投资，创业，打工等等。创业单靠收入要存到4mil 我觉得不是不能，但直接售卖 business ( 让人家 MnA ) 会比较快。
打工的话，要找对老板。涨薪要是好的幅度，而且还要算 bonus。
The power of Compounding. EPF 強烈鼓励14岁开Account开始pump 红包钱/ extra 零用钱, part time 钱。有show 一个图表 做十年然后变家庭主妇停工vs 20 岁开场做三十年。主妇完胜。
可惜大多人晚了十年开场。且沒这种定力。一出bonus花光, YOLO 年代这情况更明显。
以我来说23才开EPF, 滚Unit trust, 一太慢, 提出来开始滚股息, pump EPF 。3.9M 做不到了, 要1.5M - 2M EPF 应该没问题。我开场太迟了。
我每个月固定存 3k 进EPF 的人。虽然利息不多，但比 fd 高。投资那些完全不会 😂
很好的安排啊！
多年前，有一位朋友问到“我们一直拼命赚钱，什么时候才是个头？？ 要赚多少钱才满足？？”
人的贪婪是无止境的。如果真的赚到4百万，谁又能完全收手？（Jin）
人类永远是钱的奴隶？？
如果我们不控制的话，我会觉得 Yes, 人类永远是钱的奴隶。
对，就好像在赌台上，赢的时候是不会收手的。
@@davidmok6756 人性就是如此。适当的时候懂得停，才能保持清醒。
股票每年定定7%？股神！
如果有这个mindset放epf比较safe，反正退休了是随时能拿出来
股息。不是整个portfolio哈哈，股市一定有上有下，不到我们说的。EPF 也是不错的选择！ (Jin)
其实很简单的，股息就是profit sharing，想看有什么生意是常做常有的？饮食，医疗，银行，买这些公司，它们自然就会定定给你股息。
@@zuiaidelang 股价下30%给你10%股息都没用。这视频是针对退休。退休大部分都55，60岁了。股息这东西在年轻买入，幸运股票涨价，10年后有收成还差不多。我个人觉得epf最适合退休人士。
@@edward0116 一个公司的价值是藏在投资人的心底的，不是反应在股价上的，跌了30%就慌的人，千万不要投资股票。
@@zuiaidelang 说白了你就是文不对题。没考虑到投资人年龄，退休等等。你可以继续。可是我不会回复你了。
3.9mil是什么币种呀，RMB?马币？美金？
马币哦
基本年紀大了物質欲望就會減低。。。不需要那麽多錢
make sense
第一个😁
Yes sir!
小小感觉，没说到如何存3.9million
有很多方法，没有可能一一列出吧。
咖啡冰4块九 我下次不去了😂
好像我在北马叫奶茶冰2.30 这样 我有点不爽了😂 因为平常都是2块
哈哈哈哈我也是。喝了那么多杯咖啡，还是 kopitiam 3.10 的最好。
买股票每年7％回抱，，天真和发萝，，一定涨吗？
Dividend 不是 growth。 先搞清楚
什么股票有七巴dividend? 给个例子
3.9m 在馬來西亞應該可以過得很好
茶室的咖啡5块 星巴克做麽还没有被贝格
不明白.... starbucks 现在有人在杯葛，但是和价格完全没关系 (Jin)
Oh If not enough money can't retire 🤔 不够钱就不能退休咯 🤷🏻♂️
Still can. Definition of retirement is different for everyone. Some need 4 mil. Some need 400k. Some only need 40k.
Some even prefer to continue working after retiring.
@@ZFounderClub Thank You For Reply My Comment
Thank You For Your ❤️
Dowry? 是吗？
Dowry?
@@ZFounderClub11:48 你说洗衣服=dowry service？
啊应该是那天Ivan不小心讲错了。应该是 laundry services
8800 兑换新币不贵
对啊。就算是马币，可能有些人也觉得
(1) 有人照顾,
(2) 有朋友
(3) 有活动
就无所谓啦，也值得。
你的顾客要cash out 卖屋子 做麽你讲人家愚蠢的眼神 很没有礼貌
Errr.... 我觉得你完全误会了 Ivan 的意思。
股票有保证7%吗，如果市价跌了还不是回到解放前
7% 说真的-不难，但也不是特别容易。需要懂各种不同的投资渠道，还有当中的风险。
This is a lot of nonsense, not realistic. You are eating gold on daily basis? Sometimes I think certain people are not using brain to talk.
Some people can survive a day on 10 ringgit, some need a 100, some need a 1000. All comes down to personal preference and lifestyle. No need to be all act up.
@@ZFounderClub
I cannot accept illogical narrative, that’s all, NOT being rude. If one wishes to do professional pot cast, BE smart at least. It needs not be rocket scientist to know this simple logic that different individual spends his budget differently.
@@hookkimhin7097 there's a fine line between illogical narration and being narrow minded yourself.
2nd of all, it's podcast, not pot cast. 3rd of all, you yourself mentioned that you're aware of the fact that different individuals spend their budget differently, so what's up with the allegations that we're talking a bunch of nonsense and indirectly pointing fingers at us that we're not using brain to talk?
Do you see how much irony there is in your own argument ?
@@ZFounderClub
I fail to understand that one should use domestic economic yardstick to measure or discussion, rather than out of blue pluck RM 3.9 million for retirement. This is nothing to do with being narrow minded or attitude. I am a man who can survive with RM 10.00 really if I want as I am too simple a person. And I don’t mind even being homeless as in UK and US, now in Singapore too.
@@hookkimhin7097 that's just the beauty of discussion, where thoughts can be shared or interpreted differently, even based off a same piece of article/ news snippet.
In the video, we did not once, in any capacity or in any manner, forced our opinion onto others. It's merely based off our own personal preferences, and my partner was justifying why she needed MYR 4mil.
Happy for you that you can survive based off a 10 ringgit budget/ daily. But that does not give you any right to diminish others' opinion. If you still insist that this video is BS, then I'm more than happy to agree to disagree with you.
Have a nice day.
Rubbish
Ya you're the best.
😂😂一个月有8千不要住自己的家。有病应该。
哈哈可能老人家比较喜欢有朋友，有 kakak 照顾，有 activity 玩叻。很难说的。
你还没有老过，无法共情。
8千, 够我再养一个越南妹了。sohai concept😂 难怪malaysia人80%被资本主义割到进棺材还要被割韭菜