This Is How Much Money You Need if You Stop Working in Malaysia

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One day, you will stop working. Do you ACTUALLY know how much you need to make beforehand? Let's find out together.
#malaysia #mrmoneytv #retirement #money #investing
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Опубликовано:

10 сен 2024

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Комментарии : 319

@MrMoneyTV Год назад

Feeling unprepared for retirement? Do you wish you had more knowledge to have an EDGE over your peers even when you're 60 years old? We gotchu fam; Subscribe to our newsletter and unlock three mind-bending pieces of information every week!! 👉www.mrmoneytv.com/

@leejinglim5893 7 месяцев назад

why am I not getting the calculator after subscribing?

@phamtomzero 6 месяцев назад

i've also subscribed, but still didn't see the so called retirement calculator besides the newsletters

@CliveBirse 9 месяцев назад

Retirement becomes truly fulfilling when you possess two essential elements: ample financial resources and a meaningful purpose in life. Make prudent investment choices to secure good returns and ensure a comfortable retirement.

@ThomasChai05 9 месяцев назад

One crucial aspect of earning profits from stocks is to avoid being frightened and selling them prematurely. It is vital to understand that stocks should not be treated as mere lottery tickets. Consider acquiring the assistance of a financial advisor to navigate your investments.

@mariaguerrero08 9 месяцев назад

Indeed! With the help of a skilled coach, my investments transformed from $321k to over $750k, largely through stocks, ETFs, and bonds. I expect housing prices to remain steady until more homes become available. It just goes to show that smart planning can make a huge difference in the world of investing.

@mikegarvey17 9 месяцев назад

@@mariaguerrero08Mind if I ask you recommend this particular professional you use their service? i have quite a lot of marketing problems.

@mariaguerrero08 9 месяцев назад

"Camille Alicia Garcia" maintains an online presence. Just make a simple search for her name online.

@KristinPMosher 9 месяцев назад

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

@ahsoongoh4499 Год назад

That aside. I think 7k per month is very high. With proper family planning. By retirement, kids already start working, house loan should be paid off. By pure monthly expenses considering one couples. I think 4-5k base on current price is more than enough. Myself at most spent about 2k per month on personal expenses, and that include petrol and toll which mostly used for work. So base on 5k per mth current. By retirement, if follow your calculator. 2.5m combine (Me + wife) is enough.

@cps5043 Год назад

you need to account for the inflation and also the retraction of subsidies towards the T20 ( if it's happen)

@nix294 Год назад

You need to put other factors as well. I still remembered a couple years ago, the government messed some things up with KWSP and my dad just lost RM300K in just one day.

@semileong Год назад

How about your insurance premium your are paying now? Times that with 5

@Aeybiseediy Год назад

After looking at the numbers I hope I die by 60

@gkheng Год назад

You better dun get sicked 😅

@khalid4271 Год назад

Please give a raise to your editor. Very fun and informative video.

@vinvin5238 Год назад

Your computation is ideal for T20 group. However, let's be honest. Average Malaysian household (talk about M20 group) is earning probably RM5k-RM10k pm. Yeah household (means at least 2 to contribute?). What you calculated is for 1 person? It will be more intriguing if you can work out a formula base on current M20 group in order for this group to achieve the desire computed numbers. Whether you like it or not, M20 group is shrinking post pandemic.

@Velopratz Год назад

I think it still meets the criteria regardless of which group you are. It is just a matter of the numbers. If any fields don't relate to you, leave them blank or 0. Of course, the excel sheet cannot cover all the real scenarios including the variable rates, actual living costs, medical costs, debts, recession, etc. Still, it is sufficient for you to have a rough estimation for your retirement PLANNING.

@pauls4611 Год назад

Think poor, plan poor, stay poor

@lunxr1795 Год назад

while that is true, i think 7k (16K by the age of 60) kind of make sense considering: 1. your kids will grow and have their own job eventually 2. your mortgage and cars are already paid off considering you buy them at the age of 30 3. your salary increases from age 30 to 60 allowing you to save a bit more Of course this is all assumptions on ideal cases as is the videos, not putting into consideration health issues, economic downturn, unemployment etc and everyone's expenditure is rarely similar. calculating while considering all the variables would be very lengthy formula if he were to every possible scenario. thus i believe what he's trying to show here is a very general idea of how your retirement should look like as some sort of goals for us to achieve based on our current situation

@syhrldzkr9542 Год назад

His calculation also not valid. Who keep the same spending for the whole life. Current spending include house, car loan. Do you still pay house loan even after full settlement.

@lunxr1795 Год назад

@@syhrldzkr9542 his calculation is a sample. 7000 might be too much for some people or too little. Hence whats the excel is for. And like i said, i view this as a very general idea how much you would need to save, not an absolute numbers.

@LimReviews Год назад

GG. I studied all these in Uni last time but forgot everything already. Thanks for refreshing my memory. I still don’t remember anything 😂

@MrMoneyTV Год назад

Brother!! 😂 nvm bro u got all the cool gadgets to calculate no need maths! Haha

@rameshgnasegarah5641 Год назад

If he says anything less than 1.5 million pls unsubscribe

@iamloco666 Год назад

Fear mongering lol

@noddingbart6915 Год назад

@@iamloco666 How is that fear mongering? Its not even scary sia😂, well unless you're in the middle class

@MrMoneyTV Год назад

😂 So what’s ur retirement number?? Tell us here!! Let’s get a gauge of how much Malaysians need!!😮 P.S If you've signed up for the retirement calculator, do check out the welcome email as the calculator will be at the end of the email 🤗

@TenHorizons Год назад

10 million. I need to buy my lambo 😊

@michaelgohmox Год назад

Ehhh pls send me the link for the excel bro

@RelaxingMusic-wp8rm Год назад

U like that also dare to come out and teach ah ?

@syhrldzkr9542 Год назад

7k/16k post retirement. What type of retirement. Who spend that much of money when retired. Do you still pay for house, car when you retired. Do you thing the way you calculate is the correct way. I believe form the bnm report. The amount needed post retirement 500k only

@MsMiser Год назад

The last 3 years (2020,2021,2022), actual inflation in Malaysia has soared above 10% year over year while retirement income remains flat (savings growth around 5%-6% from EPF for the layman). So, actually most of us retired folks are on deficit now. When you're retired, you can't afford to put your money in risky assets.. only fixed income. In the next 20-30 years.. I'm not sure Malaysia if inflation can be lowered than what most EPF can project to earn without continue to work and contribute till we are 70s.

@princepsionic Год назад

thats really sad, need to learn from Singapore their inflation only 3% at most

@SS-mj8tz Год назад

Invest in U.S. etf, i.e S&P500, QQQ,

@FF-ch9nr 7 месяцев назад

no it wasnt lol. give sources where it said our inflation ever reached 10%. not even a country like Papua had rates that high during those years. stop pulling numbers from your ass

@rafiqmuhamad8251 Год назад

IMO, many of the assumptions are wrong. Assuming that you would need 16k a month at the age of 80 is kind of simplistic. While there may be inflation, your expenses at the age of 80 is not the same as when you are 30.

@chongshenglim9369 Год назад

The suggested retirement savings (ie result) is based on assumption. So if you think you don't need 7k, then you can put in your own "expected expenses" to see your own "expected retirement savings required".

@TenHorizons Год назад

Such a high quality video, helps my short term attwntion span a lot 😂 Keep up the good work! Saved this to favourites so I can show my friends❤

@MrMoneyTV Год назад

Thanks to the powerful editing team!!

@supercentenarianmalaysian3999 Год назад

@@MrMoneyTV how about 30years old to 110years old supercentenarian i not yet die but beat a record in malaysia in age so how much i need retirement for 100years spending until 2008years old 3999 in year from year 1991 hahahaahaha super ahead retirement or without retirement

@Aaina Год назад

perfect editing as usual lmao you're hitting the right target age demography using the right delivery method when imparting crucial info :Db

@RayMak Год назад

THE EDITING IS DA BOMB

@JACKWONGGG Год назад

Please give the editor a raise😂

@watevalah Год назад

Do not RETIRE your editor. You will REGRET it.

@charlespeterson6246 Год назад

Content video ni bagus. And selalu juga tengok channel ni.Tapi editing tu macam over sangat sampai tahap annoying nak tengok. Faham nak buat editing yg lawak tapi ni macam setiap 10 saat dah letak meme. Harap editor faham gak.

@MrMoneyTV Год назад

Terima kasih!

@limsimlee4000 7 месяцев назад

Dont worry, when 50 years old you need 7000. By 60 you need only 6000 and by time 70, 5000 is enough. When you 80 you only need food n water

@ian4ng Год назад

Good job on this video. I have been teaching FIRE no. in usa for years now. Good to see this in the context of Malaysia.

@PartyPeopleVEVO Год назад

1:42 So good. I thoroughly enjoyed this part

@Bepanthen3HTeamOffi Год назад

the more I know about this, the more I hope I die comfortably by the age of 60. Living is tough.

@mr123undead Год назад

With malaysian average blood sugar, blood pressure and blood cholrestore level, live to 80 is 50/50

@shahreeyman Год назад

After punch in the number, I need to save more than my actual monthly earning, now I need to look for another job opportunities and side business

@sean9254 Год назад

The question is how many Malaysian with this current state of living, will able to save up this amount of money😢

@switchback4312 Год назад

There are many factors to consider. Like how did you start ? Meaning, were your parents well off, do they have a business ? If you are born with that kind of money, your financial journey will probably be smooth especially if your parents have planned for your future financially. Just probably because there is no assurance in a worldly life. Another point is when you start working, you should have the habit of saving. You cannot take it for granted that life is smooth sailing in terms of your financial status. Then the location you are in. You do not have to spend that much if you are in a village as compared to living in a city. There are many advices given. The one person that can help you financially is you yourself.

@debs5557 Год назад

Thanks for the video! It reminds me to start saving and think before spending.

@rizman6053 Год назад

No lah, at age of 70-80 you dont need 7k per month. Maybe need that much to live in a nice old folks house.

@circulasbutton409 9 месяцев назад

lmao ur editor is definitely a gen z, great info btw!

@incisor78 Год назад

I make things simpler. I assume inflation is 4% and my investments can get 4% returns. So if I retire in 10 years time at age 50, personally I would need 100k per year, each year only withdrawing the returns (4% return pa of RM2.5million). The monetary value would be lower by the time I am 70 but the RM2.5 million is still there. Yes the 100k per year would be less and less but still got hands and legs and hopefully not brain dead so can do some simple "passive" work or active investment to gain more than the 4% FD rate to cover the loss of purchasing power.

@gkheng Год назад

If you can keep saving of rm2.5mil, you are T10, or even T5 😮

@surainvictor4526 Год назад

Well done!! Thank you for sharing your knowledge. Much appreciated.

@dequadin18 Год назад

This clip is very educational and real. Enjoy those funny editting too. Thanks sir

@budean88 Год назад

Instead , just buy total 1.6mil sum of property? That give 5.5% rental rate. Earn about 7.3k per month. That properties will rise with inflation and the rent will rise with it too. 🤔

@seanchen9265 Год назад

How about us who choose pencen for government servants? Your excel sheets forgot about us. We can still put our money into kwsp (epf) with our own choice under i-saraan. How to use le? No pencen one...

@sofarsogood8680 Год назад

The video is good and give common people future insight on financial

@MrMoneyTV Год назад

🙏🏼 thank you!!

@pakngah3715 Год назад

We are a greying nation. Pity the relatively smaller upcoming generations who to bear the burden of sustaining the ever increasing pool of retirees.

@chaikanesh Год назад

Tiu hai lor, Pokai I was just having jolly good long break till reality hit me.

@peterlai6503 3 месяца назад

Even you have 1 to 2 millions you need to work to cover daily expenses but at least a comfortable life with less worries.....

@peterlai6503 7 дней назад

Totally agreed as your mind set change you have freedom to rest anytime and do work that you enjoy 😊

@JohnSmith-ps7hf Год назад

I already have 6.2 M. Can I retire now? But I'm only 40.

@jimtamim1708 Год назад

So if i have RM3.5millions right now, i can retire?

@Quintslayer Год назад

Hey bro.... Perhaps cut down / reduce the memes /comedic cut scenes. We just wanna focus on your actual points.😊

@PENSKY04 Год назад

Editing superb and content power

@AG-so4gl Год назад

Ive hit the 3million, retiring early. One life

@nicod4 Год назад

@Peter, unfortunately, the inflation rate in key states eg: Penang, Selangor and JB are higher than the inflation rate declared by BNM on average basis. Thus, the retirement fund needed for individuals in these states will actually be higher.

@danieljohnsullieman9368 Год назад

Age 30 with an income of 7k..seriously stupid example..u should calculate on and average salary in Malaysia that makes sense..

@TenHorizons Год назад

5:14 woah so complicated 😢 Im just gonna get a rough number and round it up for safety I think

@SiriusTheKid Год назад

Videos got upgraded with explosions!🎉🎉🎉🎉

@TenHorizons Год назад

I love the bull throw 🤣 0:21 reminds me of my mom calling me stupid 😂

@hafalahresources1426 Год назад

Haha so entertainment. One of the best financial education video ive been seen

@RoberttSmithh Год назад

BABI LA WHO’S THE EDTOR 😂 keep it up ma man

@azizanaziz3376 Год назад

Thanks for the video! Can you add a function to this calculator to help us figure out the amount of monthly savings needed to achieve the desired amount at the start of retirement.

@lucas9899 Месяц назад

Hi, may I know how to download the exel file? I'd tried but it saids "You don't have permissions to access this page."

@youngtalentsgenerationz Год назад

me who only salary 1000 a month watching the number needed if i need retire..

@user-sd5rk9xt2x Год назад

Hi Mr Money, I subscribed but was unable to download the retirement calculator

@jeremykzh Год назад

The biggest question is where should we put our money? What kind of investments?

@ericlai3221 Год назад

very good perspective🙏❤👍

@KeeNyap1 Год назад

May I assume your calculations is based on, by the time we RIP, the savings and investments are still intact for the next of kin? If one do not plan or need to pass on their wealth, they can start using their savings in the later years.

@southernson709 Год назад

The link to download the template doesn’t work even after you subscribe - it could be a click bait .. be warned

@MrMoneyTV Год назад

Hi, the download link is in the welcome letter. If it still doesn’t work please send us an email.

@TenHorizons Год назад

6:30 woah seems much simpler when you go though slowly like this 👍

@hummit Год назад

I think the best investment is to work in Singapore where by forex alone it’s virtually 343% returns. I seriously cannot find another investment with similar ROI. This will allow for building up of investment funds in the most productive years from 30 to 50. Then retirement back home will be very comfortable.

@josephlo6005 5 месяцев назад

So if u say like this, who in Malaysia can afford to retire?

@Mozely374 Год назад

Susa juga nak komen. Kelemahan Malaysia masih terlalu rely dgn pendapatan dari industri sawit dan petroleum yg terdedah kepada price volatile. Pasal tu ringgit lemah. Tambah lagi US naikkan intrest rate. Byk potensi untuk selamatkan ringgit. Daripada bergantung dgn sawit, baik rakyat dan glc yg mengusaha sawit beralih ke production pertanian yg paling kita deficit iaitu beras dan dairy beef supaya kita boleh kurangkan ketergantungan import dgn thailand dan NZ. Daripada oil and gas company sibuk jual minyak dan gas, alangkah baik tingkatkan pelaburan dalam renewable fuels biogas dari sisa kumbahan dan biodiesel dari sawit. Ataupun TNB mulai kurangkan guna arang dan gas dan gantikan dgn renewable energy mcm solar, wind, hydro semua. Malaysia ada potensi utk fully ganti solar. Bayangkan seluruh rumah dan bangunan di Malaysia gunakan solar dan TNB bole harvest electric ni dan kumpulkan supply electric utk distribute utk kegunaan ekonomi yg lebih produktif seperti kilang² perindustrian. Kita punya produk perindustrian pun eloklah diversify. Cuba usaha tembuskan produk f&b kita sampai ke negara maju. Yg rakyat Malaysia ada bakat dlm innovation kerajaan kena bantu bagi insentif, tolong patenkan inovasi atas nama penemu supaya rakyat yg bijak pandai dlm engineering bersemangat nak majukan teknologi negara sendiri, dan bantu la dari segi kewangan bagi innovator² malaysia. Kita boleh maju kalau kita fokus di renewable energy, food self sufficiency, ecotourism, teknologi . Bila kita sudah maju dan kaya it doesnt matter anymore kalau ringgit tu rendah dari usd

@jimmatrix7244 Год назад

Looking at life from monetary aspect with calculation. This calculation is based on simple math which excludes all kinds of odds. Miseries such job loss, damages/loss to property, social unrest, falling sick are not accounted. Life is not as simple as math calculation. Stop counting the numbers and live life as it unfolds. You will happier and also, make your dependents happy which is much more rewarding instead of counting cash every night.

@jarofclay762 Год назад

Nice video... the math is very close to my estimates. Great content.

@shahizwann Месяц назад

Cant find the calculator on the web..why ah??

@QZ_AU 7 месяцев назад

Not getting the excel file even after subscribing to newsletter and confirming email. Team at Mr money TV, could you please solve it?

@BramVal 7 дней назад

The editor so funny la, whole video I'm laughing

@iandope Год назад

if u can survive on rm3-5k per month feeding your family (including paying your house and car instalments) why tf u need rm7k for retirement? serious question here.

@zest1989 Год назад

Just keep saving from now... For me invest in zero risk capital... Don't worry too much abt future anything can happen... But i agree still have to plan

@SyahmiDet Год назад

Woah that so incredible usefull .....sooo i need yo saving

@yyt3565 6 месяцев назад

I subscribed to your newletter but still didnt get the calculator. Disappointed

@tanbenghooi86 Год назад

am i wrong if i say i prefer to work until i die if god allows ? i enjoy the company of colleagues, discussing work and life related conversation.

@fungus70 Год назад

In other words....cannot retire or work till one drops dead.

@tankianyew4648 6 месяцев назад

I have subcribed to the newsletter but i didn't received the free retirement calculator, how should i get it? Thanks

@khyeap222 9 месяцев назад

Leave it in EPF. U get 5% av p.a. RM90 000 annually dividend. That will allow you to live 15 years longer .🤣🤣 Expenses generaaly lower when u retire. No instament, children expenses. But keep healthy. Many not that seriously sick until they die.

@Taka-nq3ys Год назад

Find your Ikigai, help/service people with your passion and find a way to earn money from it. You'll never have to retire, because you never work a day.

@vanness7714 Год назад

Love the editor

@jinamz6118 6 месяцев назад

Hi Peter, Ive Subscribed to newsletter but still did not get the calculator. Pls help, thanks

@goldfries Год назад

Haha I love the throw stuff at camera part.

@100plus206 Год назад

Anyone manage to download the excel file? I went to the website and subscribed, yet not able to locate the file to download.

@suukinsin6771 Год назад

30 years ago my grandma retired as a nurse with a 1000rm per month..😂😂..now the same nurse retire with 4k rm a month pension...still not enough 😂😂

@pyrrhicsnotimetowaste Год назад

Retirement!

@lizmorris7156 Год назад

Love the editing, funny

@neo_7864 Год назад

i would say that this financial crisis is so worst (i.e interest capital amount can't be tolerated anymore) that all of the fiat financial institution will collapse and new kind of financial institution will emerge.

@talibibrahim1117 Год назад

I am 60 yrs old now. I have less than what you have estimated. I guess I am a gone case 😢

@weiyi0609 Год назад

Is there someone already download the spreadsheet? Not sure if i using it wrong or there is some fraud in the formula... Anyway, good content, maybe in next video Mr Money can explain in details all of the column

@weiyi0609 Год назад

Eg. The expected EPF capital when retirement for a salary of 6k at age 30, will be 5m+, which in my other calculation is jz 1.5m-2m Then by this, the saving and investment required is all negative

@hawkishy Год назад

FIRE!

@azirirfan7999 Год назад

May i ask something sir, about savings, what platform should I use to save my money instead?

@chrislim2487 Год назад

Looks like i have to work till 85.....Nice.

@whitefang924 9 месяцев назад

I disagree with this entire video. RM 7000 monthly is already more than what the majority of Malaysians earn much less RM 16000. What is your benchmark for this? Living in big cities or rural areas depends on living location and lifestyle.

@williamkow 2 месяца назад

Yala, 7k monthly, I just can't continue the video further. Also too many addon animation and cartoons too annoying.

@whilewaitin Год назад

This was great guys!! Keep it up!

@bsolutions525 Год назад

As a Singaporean i now know where to retire! So cheap ah

@leonwlh Год назад

wa bro, your video quality siao eh I almost come *moonface*

@AnwarHaikalRuslan Год назад

Nice, I have to save 26k/month. It is what it is.

@jasminemun6026 Год назад

RETIREMENT (*please teach us how to use this calculator :'D) tqvm

@knight1y Год назад

90% of the people won't have enough money left in EPF to retire.

@weilitng2809 3 месяца назад

Mr money, can share how to get retirement calculator

@SNOWOO Год назад

Go overseas, earn their currency. Retired at Malaysia.

@terence3004 Год назад

I am retired 😅 pump 3 kids and demand 500-1k each person permth.. easy hack..

@MrMoneyTV Год назад

We wanna be like you

@terence3004 Год назад

@@MrMoneyTV just don't over thinking or so crazy calculation regarding of child support expenses because the money will be there magically..

@PassionPno Год назад

Bold of you to assume that kids these days will give you monthly allowance. They’re already having a hard time surviving themselves. Do not rely on anybody but yourself.

@bluishblueblack Год назад

Retirement dream only...... you didnt factor ringgit devaluation....

@stephenkoh9534 Год назад

Captured via inflation

@shutengloke5907 Год назад

Why there no investment return from now until the day we retire?

@peterlai6503 7 дней назад

You dont eat egg everyday and when you eat not more then 2 eggs.....best solution will be when you have a lump sum you will need to find ways to make some makan money😅

@cathlim7607 Год назад

I had subscribed to your & steps money- It Right Framework but still didn get the excel calculator for retirement funds calculator excel spreadsheet. How can i get access to the retirement fund excel calculator spreadsheet?

@MrMoneyTV Год назад

Hi it’s in the the welcome letter :) there’s a link inside the welcome letter ready for ur download