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Your Supplemental Retirement Income Plan

 
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Gavin_Lim



Joined: 08 Jul 2009
Posts: 93
Location: Kuala Lumpur

PostPosted: Sat Apr 10, 2010 11:00 am    Post subject: Your Supplemental Retirement Income Plan Reply with quote

Do you have a pension plan?
Do you know that a recent survey by the EPF has revealed that over 72% of EPF contributors spent up their entire EPF savings within 3 years of retirement?

Retirement is not one day, but more like 30 years!
Imagine that you live for 30 years without income. Can you still get on with your life as usual?

Saving regularly as soon as you start earning makes it easier to reach your financial goals. Delay in retirement savings not only cost more in the long run, but also may jeopardise your retirement planning!

When It Comes To Retirement,
It Doesn't Matter How Much You Have Earned.
What Will Be Mattered Is How Much You've Saved!


Secure your financial future by choosing an easy and effective savings plan today!

Please send a message to cheahyang_0@hotmail.com for inquiry today!


Regards,
Gavin Lim from ING



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DamianaIndu



Joined: 31 Jul 2010
Posts: 87

PostPosted: Wed Sep 01, 2010 11:44 am    Post subject: Reply with quote

How to plan for regular income post retirement?’ After all, government pensions don’t cover most of us; and they are winding down for new government employees themselves. Building a decent corpus while you are earning is of course one part of the story. The other is to deploy this into something that gives an ‘annuity’, and that’s what we will focus on in this article.

Let’s distinguish here between an annuity and an ‘annuity product’. An annuity simply means a regular stream of income from your assets. The features you are looking for are a decent yield (beating inflation), safety of your corpus and regularity of income. If you have a piece of land or a large number of shares, you may have a good net-worth; but these cannot give you the regular income you are looking for. Also remember, you are planning not just for immediate running expenses, but for about 25 years of your retired life.
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