Pelan persaraan bagi orang muda.

Assalamualaikum,

Today i want to talk about money!
If you want to know, if i talk about money... Forever, i will bold this quote and 'cause I knew it's very useful and mendalam maksudnya.

"One good tip is when you get raise, do't raise your lifestyle, raise your savings."

Real story yang nampak macam biasa-biasa, but if you'll take a sometime to sit and think about it... you'll will said... Oh, ya lah. Membazir betul.

Tambahan lagi, baru started dapat gaji cecah RM 10,000 per bulan dan dah dream nak pakai keta BMW, pakaian mesti pulak ada brand, and more worsen...makanan kat hotel hari-hari. And lastly, hanya menyimpan RM 200.00 per bulan sahaja.

Compare zaman dulu-dulu, Masa gaji hanya RM 2,000 per bulan mampu menyimpan RM500.00 lagi-lagi-dan lagi... Mana yang paling gempak??

....Back to my topic, aku jugak ingin menyampaikan pesanan/nasihat: lagi muda korang simpan, lagi bagus pelan persaraan di hari tua nanti. Feel free to fight with me if you are disagree.

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Simple---- Let's say your condition:
Monthly fixed saving: RM 500.00
Return bank: 5%
Retire age: 55 years old

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First case--
Saving age: 25-35 years old
Period: 10 years
Not saving: 20 years old
Fund bank: RM 205,620.00

Second case--
Saving age: 35-55 years old
Period: 20 years
Not saving: -
Fund bank: RM 203,729.00

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So, berdasarkan cases di atas- apa diagnosis terbaru yang dapat?

In my option/Conclusion:

I prefer the first case. You just start saving at 25 years old until 35 years old... Keep saving RM500.00 per month until ten years. Just simple like that. And FYI, in that time you have cash around RM200k already in bank. So freaking good. : )

And mana tahu, If you more strong-you continue with second case... where-ever in different bank or same. Not my problem. And you get double! Gila kentang!

Tambahan lagi-aku jump forward sebenarnya kerana aku da start semua ini sejak sekarng la (2012-22 years old). So, aku punya simpanan akan lagi adventures.

Walaupun sekarang terpaksa menolak membeli Iphone, Samsung Galaxy Tab 7 plus ataupun Galaxy Note. Sedih dalam diam (sob....sob..). Namun simpanan untuk masa depan adalah lebih penting! Pemikiran harus fokus ke arah itu aja untuk impian tercapai. Usaha mak encik!

*** I'm not the person yang too obsessed with money. 'Cause it's only duniawi semata-mata. But who can aspect what your future is... And may be if i die one day, in young age. My money i can donate it to any charity. And it's akhirat investment! Betul tak?