Monday, June 6, 2011

退休这笔帐(1)

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每个人都憧憬退休,都渴望财务自由,但是一般上都停留在“期待”的层次上,压根儿不知如何达到这个目标。

退休不做工、有钱去吃风---那是多写意的人生啊!但是背后隐藏着的,却是一个“大算盘”。

想要财务自主,就得懂得计数。首先,让我们一起来算算,一个退休人士所需要的基本开销:


也既是说,一旦退休并且希望20 年“存活下来”,今天的你(不是以后),退休时拿到的公积金+储蓄+流动资产净值--- 应该要有RM 204,000 以上。

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4 comments:

  1. 没有医疗保,不能开冷气,连唯一的伴-上网都没啦!

    ReplyDelete
  2. BC,

    This calculation sure not realistic and workable.
    Today we can spend RM 20.00/day for food, but we maybe we need RM 50 or more per day for food in 10 years later.....

    Then we have many other miscellaneous which I think RM 100.00 not enough. Example: maintenance fee, MPPP, Astro, Internet, License fee, road tax+ insurance for your vehicle, movies, some simple shopping for daily use (soap, toilet paper, tooth brush.........many etc.)

    Ah Leong

    ReplyDelete
  3. 回复hckee,

    ^^ 都说是生活俭朴loh...

    ReplyDelete
  4. 回复Ah Leong,

    我还没算完,请看

    《退休这笔帐2》.

    还会有3/4/5...

    ReplyDelete