Tuesday, September 26, 2017

Retirement Fund 退休金



Before worrying how much you need and should save for retirement, make sure you don't need to spend your retirement fund too early, or risk your retirement fund at all.
Insurance is not just about Medical Card (a benefit that prevents you from spending your retirement fund too early), it is also about Income Replacement (a benefit that substitute your living expenses and retirement fund should you need to stop work due to critical illness) especially Critical Illness Coverage.
Start saving part of your income to guarantee you at least a 5 to 10 years of Income Replacement. The amount you set aside, can NEVER be more than what you will be compensated.
e.g.
If you are age 35 and save aside RM4,800 a year for a coverage of RM500,000 (Income Replacement), it will take at least 70 years (with interest) to save the RM4,800 by yourself in a bank or investment vehicle.
With an Income Replacement coverage, you will be compensated with RM500,000 lump sum cash, even as early as 2 years after you sign up.
Question: Why do it on your own when you can leverage on Insurance Companies?

Contact Me for a possible solution today!

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在你担心退休时需要多少钱或者现在要存多少钱来应付退休时,请你确保你今天不会把退休金花掉,或者是把退休金这个理想毁掉。

保险不单单时医药保障(这是一种避免你把退休金早点花光的保障)而已,保险也包含了收入替代(这是一种在你因为严重疾病而不能上班赚钱时,替代你的收入和退休金的保障),尤其是严重疾病保障。

开始为你自己准备一个能够替代你5至10年收入的保障吧。
你为这保障所投保的保费绝对不会多于将会得到的理赔。

例如:
如果你是35岁而你每个年可以为自己储存RM4800来得到RM500000的收入替代保障,自己存(在银行或其它低风险投资机构)的话,你必须储存70余年(包括利息)来得到这一笔RM500000。

如果你有收入替代保障的话,虽然只是储存了2年,保险公司将会在你患上严重疾病时,一次过赔偿你RM500000。

问题: 如果你可以把风险转移到保险公司,为什么要自己承担呢?

想要知道如何可以为自己设立一个收入替代保障,请联络我吧。

21 comments:

  1. 现在钱不够用,真的没法想退休金咯!!

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  2. 保險是一定要有的!所以我早早就買好了 ^&^

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  3. 我在开始工作也是给自己买了储蓄 因为现在的人实在不能存钱!哈哈~

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  4. 谢谢分享啦~现在才刚开始工作几年,还真的没想到退休。感觉离自己好遥远!

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  5. 医药险是必要的。退休险还真没多出来的钱可供啊!

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  6. Thanks for sharing such a useful information with us. Will be looking forward to see more from you

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  7. Thanks for the example with figure, easy to understand.

    xx
    Puiyeesss

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  8. I'm really a noob when it comes to insurance. First time hearing about Income Replacement and am keen on it. Will do some research.

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  9. Nice info indeed. Yup we must know how to manage our retirement saving

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  10. Thanks for sharing! Haven't really plan for retirement fund yet =) But I just started my insurance plan =)

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  11. In this life and time it is so hard to save... and that is scary....

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  12. Thats such an important thing these days. I too use such insurances but did not know so much about it. Thanks

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  13. It's simple to understand. Thanks for sharing

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  14. Totally agree with th, I started when I was 25

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  15. thanks for the tips. I am already retired this year lol

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  16. Waaa such a great tips. I don't.know which plan suitable for me

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  17. Good tips, never have really thought of this yet till now. Something to ponder on.

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