Apr 18, 2010

Obrolan pagi Tn Lam dan Tn Salim

As a general rule of thumb, individuals need "about 70 percent to 80 percent of pre-retirement income during retirement".

Mr Lam estimates that for someone who wants to retire at age 62 and who has a further 25 years ahead of him, an annual spending of $40,000 will require that he has savings of $1 million by the age of 62. And this reckoning does not include the impact of inflation.

The increase in the general price level of goods and services cannot be ignored during retirement planning. Inflation can severely affect purchasing power.

Mr Salim says that after taking into account inflation at 4 per cent a year, a person will need to accumulate nearly $1 million in savings by the time he retires if he wants an income of $4,000 per month during his retirement.

Ampun deh, gali uang terus sampai tua ... beginilah kalau dunia menjadi tujuan akhir, tak pernah cukup, khawatir terus.

Teh tarik dari sini.

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