🇲🇾 所以在马来西亚退休真的需要 4mil？哇靠！
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- Опубліковано 9 січ 2024
- 前阵子 Ivan 在马来西亚某报纸看到研究显示 “大多大马中产阶级的人士聊到退休话题的时候， 都觉得需要4百万？” 哇，这是什么概念啊！很多时候我们的长辈都会告诉我们， 很多人工作一辈子都不会看到 1百万， 可是现在退休却需要4百万？
那为什么是4百万？年轻人又应该如何对待退休这个话题？那今天就由我 (Jin) 和 Ivan 来聊聊这个话题吧！
#创业 #学习 #年轻人 #访谈 #马来西亚 #podcast #退休 #理财
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Special thanks to DozOff, our strategic partner!
Hosts: Ivan & Jin ( Founders of ZFounderclub )
Venue: KL Podcast studio
Collab: hello@zfounderclub.com
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！
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.
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)
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！
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。
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.
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.
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)
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
哈哈，我从小红书看到你们，追到来youtube 了
感动😭😭😭！谢谢你！
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.
第一个😁
Yes sir!
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)
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。
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。
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。
3.9mil是什么币种呀，RMB?马币？美金？
马币哦
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 ❤️
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)
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。
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.
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。
😂😂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。