退休后我需要了解的3个重要事项？
每个人的退休生活都不尽相同，但主要取决于三个因素：
- 有足够的钱来维持你的生活方式，
- 确保你的积蓄能够持续使用。
- 制定应对通货膨胀的计划。
1. Adequecy
It is recommended that you save 1/3 of your monthly salary now to have 2/3 replacement income when you retire.
2. Sufficiency
As life expectancy rises, make sure your savings last. Stay financially independent.
3. Sustainability
Maintaining your standard of living now will cost you more in the future.
1. Adequecy
An adequate income replacement ensures you can maintain your standard of living without drastically reducing your expenses.
2. Sufficiency
The life expectancy of Malaysians is increasing, with Male expected to live until 73 years and Female until 77.8 years (Department of Statistics Malaysia, 2024). You’ll need sufficient replacement income to last at least 20 years.
3. Sustainability
Inflation raises your cost of living and reduces your purchasing power. Over time, your savings will buy less, so it’s crucial to account for inflation in your retirement planning to ensure you have enough to maintain your lifestyle.
