Post on 23-Jun-2015
PRINCIPAL ONE WEALTH ADVISORS(a member of Maypartners Ikhlasjaya Group)
No. 49, 1st Floor, Lebuh Bukit Kecil 2Taman Sri Nibong, Bayan Lepas, 11900 Penang
The Important of Personal Savings
Habit
Do you save?
Where do you save?
How much do you save?
Can you save regularly?
2 TYPES OF SAVINGS HABIT2 TYPES OF SAVINGS HABIT
Time Value For Money Time Value For Money
BANK / ATM REGULAR SAVINGS
HABIT OF SAVINGHABIT OF SAVING??
Who will have more money?
SPEND FIRST
SAVE LATER
SAVE FIRST
SPEND LATER
ARE YOU AWARE THAT 95%95% OF MALAYSIAN ARE IN THIS GROUP OF SAVERS?
THERE ARE ONLY 5%5% OF MALAYSIAN WITH THE POWER TO SAVE REGULARLY
Statutory Retirement Benefit - EPFStatutory Retirement Benefit - EPFPercentage of Employees who believe that Statutory Retirement
Benefits are Enough ?
Australia 16%
China 44%
Hong Kong 18%
India 40%
Indonesia 24%
Malaysia 25%
Philippines 35%
Singapore 13%
South Korea 2%
Taiwan 26%
Thailand 48%
Global Aging ReportGlobal Aging Report
56% wish to retire before the age of 60but only 2 in 10 are financially ready
68% rely on Personal Savings as their primary source of retirement income
Preferred post-retirement activities :a.Travelling (70%)b.Joining a Club (55%)
*Source: Nielsen, February 17, 2011
Inflation : shrinking purchasing powerover the next 20 to 40 years
What’s your Life’s Goals/Dreams ?What’s your Life’s Goals/Dreams ?
No matter what you decide to achieve,No matter what you decide to achieve,every Goal/Dream has its price……every Goal/Dream has its price……
No matter what you decide to achieve,No matter what you decide to achieve,every Goal/Dream has its price……every Goal/Dream has its price……
What’s your Financial Resources?What’s your Financial Resources?
Financial Sources For Your Retirement
EPF
Depend on Children Continue to work part time
Charity
Pre-planned retirement fund
The Solution is Pre-planned Retirement !The Solution is Pre-planned Retirement !
GUARANTEED SHORT SAVING TERM保证短期的承诺
GUARANTEED YEARLY INCOME
保证每年现金回酬GUARANTEED LIFETIME
BENEFITS 保证长期的回报
ACCIDENTAL TPD BENEFITS意外终身残废利益
GUARANTEED ASSET保证资产
6 YEARS 只需储蓄六年
1ST YEAR TILL AGE 90从保险期第一年到九十岁
OUTSTANDING GYI剩余的保证金
ADDITIONAL 300% OF TPD BENEFITS
TRUST FUND,LIFE INSURANCE
REDEPOSIT INTEREST再把利息存进 5.5%
1
2
3
4
5
6
31 75 90
Yearly Savings = RM 10,010.10
Note: This is for Illustration Purpose only and will not perform as Policy Contract
Lifetime Guaranteed Yearly Income RM2,000
PAYOUTYearly Savings = RM11,548Total Savings (6 Years) = RM69,288
Maturity= RM389,614Guaranteed Yearly Income= RM2,000(60 TIMES OF RM2,000)
Your Capital @ Age75 RM197,422
Wealth AccumulationRM389,614
Total GYI Payout 60 Years X RM2,000 = RM120,000
保留资本
Age 30, Male
Guaranteed Total Total Total Death / TPD
Yr AGE SAVING Yearly Income Surrender Value (Pay-out)
Surrender Value (Accumulate)
Benefit (Pay-out)
1 31 11,548 2,000 5,709 7,709 118,5502 32 11,548 2,000 12,997 17,107 117,1303 33 11,548 2,000 21,115 27,451 115,7424 34 11,548 2,000 30,731 39,415 114,3885 35 11,548 2,000 41,096 52,258 113,0706 36 11,548 2,000 52,125 65,901 111,7887 37 0 2,0008 38 0 2,0009 39 0 2,000
10 40 0 2,000 57,458 83,208 107,08111 41 0 2,00012 42 0 2,00013 43 0 2,00014 44 0 2,00015 45 0 2,00016 46 0 2,00017 47 0 2,00018 48 0 2,00019 49 0 2,00020 50 0 2,000 79,048 148,785 101,75325 55 0 2,00030 60 0 2,00035 65 0 2,000 131,887 332,390 133,82940 70 0 2,00045 75 0 2,00050 80 0 2,00055 85 0 2,00060 90 0 2,000 389,614 1,256,514 390,045
69,288 120,000 389,614 1,256,514 390,045
*THE ABOVE FIGURES ARE FOR INTERNAL CIRCULATION & EASY REFERENCES ONLY. FOR DETAILS, PLEASE REFER TO OUR OFFICIAL DETAILED SALES ILLUSTRATION FROM HONG LEONG ASSURANCE BERHAD
Total Cash Surrender Value and Death / TPD Benefit is Projected based on Scenario A.
The above is based on Sales Illustration MP (Trad) Version 6.1, Scenario A @ 6.5%,