Retirement Related Articles

Retirement Related Articles

This page has a compilation of articles web links related to Retirement.




Invest & Expenses for Retirement Plan
Calculate and track your accumulation for retirement planning. After retirement, tracks your retirement fund balance and compare with planned expenses to last for retirement years. Graph to show the projection amount and compare with actual balance.

http://highlevelrules.blogspot.com/2017/09/invest-expenses-for-retirement-plan.html


Percentage in Unit Trust Using 3PF
Shows the sample calculation of how much total amount can be invested into Unit Trusts from 3PF Account 1. Calculate how much you can withdraw and use your 3PF retirement fund and invest into approved investment scheme.

http://highlevelrules.blogspot.com/2017/11/percentage-in-unit-trust-using-3pf.html


Unit Trust Asset Allocation for Retirement
Understand the 3 common models used to create a portfolio for retirement. Different percentages for Bond and Equity allocation for different scenarios.
http://highlevelrules.blogspot.com/2017/07/unit-trust-asset-allocation-for.html

MONEY THOUGHTS: Want to retire comfortably? Here's how you do it

https://www.nst.com.my/lifestyle/sunday-vibes/2018/06/383483/money-thoughts-want-retire-comfortably-heres-how-you-do-it

Building wealth to fund your retirement

https://www.nst.com.my/lifestyle/sunday-vibes/2018/06/380766/building-wealth-fund-your-retirement

Can our retirement funds sustain our golden years?

https://www.nst.com.my/lifestyle/sunday-vibes/2018/06/378452/can-our-retirement-funds-sustain-our-golden-years

Growing old in an innovative new age

https://www.nst.com.my/lifestyle/heal/2018/05/364169/growing-old-innovative-new-age

Self-funding your retirement

https://www.nst.com.my/opinion/columnists/2018/01/323937/self-funding-your-retirement

Are Malaysians Saving Enough For Retirement?

https://www.ibanding.com/find-out-if-you-are-saving-enough-for-retirement/

Preparing for early retirement

http://www.focusmalaysia.my/Income/preparing-for-early-retirement

Stretching your retirement funds

http://www.focusmalaysia.my/Income/stretching-your-retirement-funds

Retirement Planning: ‘Malaysians need a wake-up call’

http://www.theedgemarkets.com/article/retirement-planning-malaysians-need-wakeup-call

Most Malaysians Can't Afford To Retire Because They Don't Have Enough Savings

http://says.com/my/news/most-malaysians-don-t-have-enough-money-to-retire-economist-says

Most Malaysians cannot afford to retire
https://www.thestar.com.my/business/business-news/2017/10/25/most-malaysians-cannot-afford-to-retire/

Prepare your retirement plan early
https://www.thestar.com.my/business/business-news/2017/10/23/ceo-prepare-your-retirement-plan-early/

Providing a social safety net
https://www.thestar.com.my/news/nation/2017/09/18/providing-a-social-safety-net/

Freelancers need to save for their retirement too
https://www.thestar.com.my/business/business-news/2017/08/03/epf-freelancers-need-to-save-for-their-retirement-too/


EPF wants informal sector workers to join retirement savings scheme
https://www.thestar.com.my/business/business-news/2017/08/02/epf-wants-informal-sector-workers-to-join-retirement-savings-scheme/

Never too young to plan for retirement
https://www.thestar.com.my/metro/community/2017/07/22/never-too-young-to-plan-for-retirement-experts-urge-youngsters-to-start-saving-for-old-age/

Look beyond EPF dividends when preparing for retirement 
https://www.thestar.com.my/business/business-news/2017/02/25/look-beyond-epf-dividends-when-preparing-for-retirement/


Start saving for retirement early in your working life
https://www.star2.com/people/2016/11/11/saving-for-retirement-should-start-early/
Boosting our retirement savings
https://www.thestar.com.my/news/nation/2016/11/13/boosting-our-retirement-savings/

Have more retirement plans
https://www.thestar.com.my/opinion/letters/2016/08/25/have-more-retirement-plans/

EPF ‘inadequate for retirement’
https://www.thestar.com.my/metro/smebiz/news/2016/02/23/epf-inadequate-for-retirement-malaysians-need-to-plan-from-now-or-risk-scraping-the-bottom-of-the-pe/

Plan early for retirement
https://www.thestar.com.my/business/business-news/2015/11/21/plan-early-for-retirement/

Exposing retirement myths and how to overcome them
https://www.thestar.com.my/business/investing/2014/12/06/exposing-retirement-myths-and-how-to-overcome-them/

Retirement Planning Using Microsoft Excel File

Retirement Planning Using Microsoft Excel File.



Where to find FREE Retirement planning software? 
You can search the web for many tools.

But, there is one that is FREE and is in Microsoft Excel format. You can customise the Spreadsheet to your liking. No Password, No file protection. You can add, delete, modify, change color, etc.



Note that expenses during your retirement years are for a long term. The withdrawals are small amounts and planned to last as long as possible. 

You may want to move a certain amount of the money into Bond fund or Money Market funds. The sum can be expenses for the next 2 years. You preserve the capital for 2 years as you do not want to risk your money into a volatile market.

Let's say during your retirement, the stock market crashes. If you had put all your money into the Stock Market or Equity funds, the value will drop according to the Stock Market performance. Your hard earned investment amount dropped. 

As Bond fund and Money Market fund are more of capital preservation, the fund values will not lose much. In fact, they can still go higher when the stock market crashes.




You can download it from this link:
https://seanexcel.weebly.com/blog/invest-expenses-for-retirement-plan

More explanations from this link:
https://highlevelrules.blogspot.com/2017/09/invest-expenses-for-retirement-plan.html