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MY

Urus Wang di Fasa Persaraan

 

Sekarang masa terbaik untuk sesuaikan gaya hidup dan perbelanjaan mengikut umur. Kurangkan belanja untuk sesuatu yang anda tak perlu dan fokus pada apa yang penting.

 

Rancang bajet dengan teliti, ambil kira duit pencen dan perbelanjaan akan datang macam kos perubatan. Bajet yang jelas boleh mengelakkan anda daripada terlebih berbelanja.

 

Kalau rasa rumah sekarang terlalu besar atau mahal nak dijaga, mungkin dah tiba masa untuk pindah ke rumah yang lebih kecil dan jimatkan kos.

 

Faham betul-betul apa kelebihan pencen. Kenal pasti masa terbaik nak keluarkan duit pencen dan rancang dengan bijak supaya pencen anda cukup sampai hari tua.

 

Siapa kata dah tua tak boleh kerja? Jika anda minat,  cuba kerja separuh masa atau buat hobi yang boleh jana pendapatan walau sedikit, asalkan anda gembira.

Akibat JagaDuit Macam Syafiq dan Tan

Simpanan Persaraan Tidak Mencukupi

 

Syafiq tidak mempunyai simpanan persaraan yang mencukupi untuk memenuhi keperluan hidupnya. Dia risau tentang simpanannya yang kian berkurangan kerana kos perubatan dan penjagaan yang bertambah.

Tiada Simpanan Persaraan
 

Tan terpaksa berharap kepada bantuan kerajaan yang dia terpaksa keluarkan daripada bank setiap bulan demi menampung hidupnya. Oleh sebab itu, dia akan menghadapi kesulitan semasa merangka wasiatnya.



Pengajaran JagaDuit Di Hari Tua
 

  • Inilah sebabnya anda perlu menyimpan seawal mungkin dan konsisten. Pastikan anda menyimpan sekurang-kurangnya 15-20% daripada sumber pendapatan untuk hari tua.
  • Pelan untuk jangka panjang dengan mengeluarkan wang simpanan dengan jumlah sedikit untuk keperluan sahaja.
  • Masa untuk anda kemaskini wasiat dan mengenal pasti waris yang dipercayai dan masih hidup.
  • Pastikan persaraan anda penuh makna dengan mengejar matlamat hidup baharu untuk elak daripada tekanan perasaan dan berbelanja secara boros akibat kebosanan.
  • Semak semula dan ubah suai pelan kewangan anda mengikut kesihatan, gaya hidup dan kewangan anda.

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