Wednesday, December 01, 2010

Simpanan Ketika Bersara

Have you ever thought of how much money that u need during retirement? When your age is about 55, and no more monthly income been transfer to your bank account. And yet, you have about 15 years of life. Insya-Allah kalau umur panjang.
Many claims that they have EPF saving, and no need to worry. And again, do you ever calculate how much EPF saving that you will have once you reach age of 55?
Let me give one of the scenario
Age of retirement = 55
years after retirement = 70 - 55 (insyaAllah kalau umur panjang sampai 70thn)
= 15 years
Monthly expanses = hurmmm.. agak-agak berapa ek? kita letak RM3k la (yela zaman tu sure inflation rate lagi tinggi dari sekarang kan?)
Jadi total amount need to have = 3k*15*12
= RM540,000
Cuba kira EPF saving yang kita ada kalau kita kerja for 32y (55-23)
Employee+employer contribution = 23%
Lets saya gaji kita 5k (wah banyaknye!!)
total for 32y =( 23%*5k) * 12 bulan * 32thn
= 441,600k
Ouch.. masih tidak mencukupi RM98400!!!!
See, kalau la kita hanya berharap dengan EFP sure tak mencukupi kan. Belum tolak keluar EPF untuk beli rumah la. Beli notebook la. hehhehe
Kalau lah dapat kerja government, masa pencen dapat 50% from last salary every month!!
Oklah, enaf for all the numbers.
Renung-renungkan dan selamat beramal

2 comments:

kak tinee said...

wah ..mmg nk kena apply gomen ni ... tul la mariam ... mcm mak akak dah pencen ... RM2k tiap2 bulan dpt ... syok je ...

uwa said...

kak tinee,
tu la kalau dapat gomen selamat la sikit. huk9