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    STRENGTHEN YOUR FINANCIAL FOUNDATION

    Have enough to enjoy the things you love and more.

    Now that you’ve got extra cash, you’ll want to know the best way to grow your money. Maybe even start planning for retirement. Whatever you decide, it’s never too early to plan for your financial future.

    TIPS AND ADVICE

    MAKE YOUR MONEY WORK HARDER FOR YOU

    All of us have a different tolerance level when it comes to risk. Some are willing invest it all, others prefer to remain slightly more cautious. Our attitudes change over time. But we can at least agree on one thing: We don’t want our money to just sit there and do nothing. 

    CHOOSE AN INVESTMENT THAT FITS YOUR NEEDS

    What type of investment is right for you? That depends on your goals and risk tolerance level. The key to successful investing is to spread your money across different kinds of investments, called asset classes. The main asset classes are set out below – with the first four being the most common.

    Asset Class Examples and comments Risk Profile
    Asset Class Cash
    Examples and Comments Savings and current account balances, fixed deposits and any cash you have at home.
    Risk Profile Low – but your money’s buying power is eroded over time if inflation is higher than the interest rates paid.
    Asset Class Fixed interest securities– also called bonds. Essentially a loan to a company or government for a fixed period.
    Examples and Comments
    		Gilts (Government bonds), overseas bonds, local authority bonds and corporate bonds (loans to companies).
    Risk Profile
    		Relatively low and returns predictable if held to maturity, however traded prices can be volatile. Your money’s buying power can still be eroded over time if inflation is higher than the interest rate paid on the bond.
    Asset Class
    		Shares– also known as ‘equities’. A stake in a company.
    Examples and Comments
         		You can hold shares directly or through an investment fund where you pool your money with other people’s, like with a unit trust.
    Risk Profile Investing in a single company is high risk. Investing in a fund provides more diversification, but risk levels will depend on the type of shares in the fund.
    Asset Class
         		Property
    Examples and Comments
         		Includes residential or commercial property and buy-to-lets, and investments in property companies or funds.
    Risk Profile
    		Price can vary and be more volatile than with bonds. Potential for gains but also losses. You may not be able to access your capital quickly if you have invested into property directly. Access to capital may also be restricted through property funds if closed to redemptions, meaning you will not have access until the redemption restriction has been lifted.
    Asset Class
    		Alternative investments
    Examples and Comments
    		Includes gold, art, antiques, collectibles, fine wines and other investments that do not fall into the four main asset classes.
    Risk Profile
         		Risk profile unpredictable - very much depends on prevailing (niche) market conditions and quality of asset.

    Don’t retire without a plan

    Retirement is creeping up on you. Every second, every hour, every day. But here’s the trick: You can choose when you want to retire. Who says it has to be at 55? Plan early. That way, you can retire because you want to, instead of working because you have to.

    Accident Pro Prime

    are malaysians prepared for retirement?

    Total EPF savings for Malaysians at 55 years old

    Based on RM196,800 savings, a contributor would only be able to spend approximately RM800 a month for the next 20 years, which is below the poverty line income of RM830 per month.

    50% of retirees would have spent their entire EPF savings within 5 years

    Accident Pro Prime

    Source: EPF booklet, February 2015 http://www.kwsp.gov.my/portal/documents/10180/4459038/BOOK_-_EPF_Saving_and_Your_Retirement_CS5_.pdf

    How much should we save ?

    Accident Pro Prime

    The rule of thumb is to ensure that you have a 2/3 replacement income ratio of your last drawn salary to continue enjoying your current standard of living upon retirement.

    To achieve the 2/3 replacement income ratio, you need to set aside at least 33% of your current monthly pay of your last drawn salary to continue enjoying your current standard of living upon retirement.

    Accident Pro Prime

    Malaysians are already saving at least 23% a month for EPF.

    You can contribute to the Private Retirement Scheme (PRS) - a voluntary long- term savings and investment scheme designed to help Malaysians accumulate savings for retirement. 

    http://www.thestar.com.my/lifestyle/family/features/2014/managing-your-money-after-retirement/
    Source: Private Pension Administrator, PPA

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    CONTACT AIA
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