{"id":23470,"date":"2016-04-21T14:30:05","date_gmt":"2016-04-21T06:30:05","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=23470"},"modified":"2018-08-24T01:04:36","modified_gmt":"2018-08-23T17:04:36","slug":"heres-how-investing-can-help-you-at-every-stage-of-your-life","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/heres-how-investing-can-help-you-at-every-stage-of-your-life","title":{"rendered":"Here\u2019s How Investing Can Help You At Every Stage Of Your Life"},"content":{"rendered":"

\"Affin<\/p>\n

Life is expensive. There\u2019s no denying it and it certainly looks like the prices of pretty much everything will continue to go up. However, the bigger problem is that some of life\u2019s biggest and often most important decisions cost a lot. While we can make do with a lot of things, there are some that we simply can\u2019t avoid.<\/p>\n

Each and every one of us will eventually need a large amount of money for our retirement. Eventually, we\u2019d also want to start a family and sooner rather than later, we\u2019d want to have a house of our own to live in with our newly established family. To fund these evolutions in life, we need a significant sum of money and the question is\u2026 where exactly do I get it? We\u2019ll tell you one thing for sure \u2013 saving is definitely not going to get you it.<\/p>\n

The only solution is to invest to achieve our goals and one of the most important things to note about investing is that it\u2019s very closely tied to time. The more time you have to invest in something the greater the returns will be. It\u2019s also important to know how you can invest to get there. It\u2019s not all about the stock market. There are other less risky ways to reach each one of your objectives.<\/p>\n

Here are some key life stages and how you can achieve the funds required for them and all you will need really is some time and a little planning.<\/p>\n

<\/span>Parents with young kids and are saving for college<\/span><\/h2>\n

\"investing<\/a><\/p>\n

Image from\u00a0bbc.com<\/em><\/p>\n

Investment goal: Child education<\/strong><\/p>\n

Time horizon: 18 years<\/strong><\/p>\n

Risk behaviour: Conservative\u00a0 <\/strong><\/p>\n

Opening a savings account in a child’s name may seem like a great way to give your junior a financial head start. However, it actually may not be the smartest thing to do. In fact, choosing the wrong savings vehicle for your children’s financial needs could cost them thousands in missed financial aid. In today\u2019s environment, every parent needs to start planning for their child\u2019s college fund as soon as they\u2019re born!<\/p>\n

This is why you need to plan far ahead to ensure your savings work hard for you to not only beat inflation but to also be at the right amount by the time your child is ready to go to college.<\/p>\n

There are a few factors you need to consider when choosing the right product to put your child\u2019s college fund in. First of all, the projected returns must always be above the inflation rate. Remember, this investment is for a long-term of a maximum of 18 years. You don\u2019t want to be making returns only to find that at the 18th<\/sup> year you\u2019ve actually ended up with less than you started with!<\/p>\n

It\u2019s also important for the money in your funds to be adequately liquid. Although you\u2019re looking at an objective pretty far away, it\u2019s still your child\u2019s main fund. In the event you need the money before college time comes around you want that money to be fairly accessible. Investing in a bond or unit trust fund can offer you the right amount of liquidity, as opposed to investing in a physical property.<\/p>\n

Of course, you want to start as early as possible. As we mentioned earlier, at birth is ideal. Based on our article about how much you need to save for your child\u2019s education, you\u2019ll likely need about RM200,000 to fund their college education.<\/p>\n

Here\u2019s how you can achieve that using a bond fund and how big a difference time makes:<\/p>\n

Affin Hwang Select Bond Fund<\/strong><\/p>\n

Target amount: RM200,000<\/strong><\/p>\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t
Investment period<\/strong><\/th>18 years<\/strong><\/th>10 years<\/strong><\/th>\n<\/tr>\n<\/thead>\n
Average annual rate of returns<\/strong><\/td>6.1%<\/td>6.1%<\/td>\n<\/tr>\n
Initial investment<\/strong><\/td>RM1,300<\/td>RM6,000<\/td>\n<\/tr>\n
Monthly contribution<\/strong><\/td>RM500<\/td>RM1,150<\/td>\n<\/tr>\n
Total contribution<\/strong><\/td>RM109,300.00<\/td>RM144,000.00<\/td>\n<\/tr>\n
Total investment value<\/strong><\/td>RM200,603.32<\/td>RM201,476.29<\/td>\n<\/tr>\n
Percentage of projected returns<\/strong><\/td>83.5%<\/td>39.9%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n

Based on the example above, with 18 years to build your child\u2019s college fund, you only need to invest a total of RM109,300 over 18 years or about RM6,072 per year to achieve your target amount of RM200,000. However, starting late, with only 10 years to build your fund, you need to invest a total of RM144,000 to get an amount around the range of your target. That means you\u2019d need to invest more than twice the amount (RM14,400) every year even though there is only a difference of 8 years in your investment period!<\/p>\n

Ready to kick-start your dream? Start now!<\/a><\/strong><\/p>\n

<\/span>Individuals with a dream retirement in mind<\/span><\/h2>\n

\"investing\"<\/a><\/p>\n

Image from\u00a0ncoa.org<\/em><\/p>\n

Investment goal: Retirement<\/strong><\/p>\n

Time horizon: 30 years<\/strong><\/p>\n

Risk behaviour: Aggressive\u00a0 <\/strong><\/p>\n

It’s easy to understand why retirement isn\u2019t an area of concern in your 20s. You are more occupied with kick-starting your career, and not about ending them. It’s worth noting that the time you have available to invest can play a huge role in determining whether you get a dream retirement or a never ending life of work.<\/p>\n

It\u2019s compulsory for employees in Malaysia to save 11% to 12% of their monthly salary to the Employees Provident Fund (EPF), while their employers contribute 12%. This makes a total of 23% to 24% of monthly savings for retirement. A lot of us think that this is enough but the fact is that even if you never make a withdrawal before retirement, you\u2019ll still end up retiring short of what you really need.<\/p>\n

According to the Organisation of Economic Corporation and Development (OECD)<\/em><\/a>, the average retirement replacement income for OECD countries (Malaysia included) is 57% of your last drawn salary. However, at the national level, Malaysia\u2019s current replacement income ratio stands at 30% — 27% below average!<\/p>\n

Based on Private Pension Administrator\u2019s (PPA) research, the average Malaysian will have to set aside at least 33% of their monthly income to achieve 57% of replacement income. With EPF, we are only achieving 23% of savings. So we\u2019re 10% short and remember this is if we don\u2019t make any withdrawals on our EPF.<\/p>\n

So, you will likely need to save at least an additional 10% of their income every month to make up for the shortfall. The investment product you decide to put that 10% into should be able to achieve consistent capital appreciation over the long-term. It should definitely at least be at the same rate of your EPF gains but ideally it should be ahead of it.<\/p>\n

Here\u2019s an example of how much an additional 10% can help boost your retirement fund if you invested it right:<\/p>\n

Using Affin Hwang\u2019s Select Opportunity Fund<\/strong><\/p>\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
<\/th>23% EPF savings<\/strong><\/th>Additional 10% savings<\/strong><\/th>\n<\/tr>\n<\/thead>\n
Initial monthly salary<\/strong><\/td>RM2,500<\/td>RM2,500<\/td>\n<\/tr>\n
Average annual increment<\/strong><\/td>3%<\/td>3%<\/td>\n<\/tr>\n
Investment period<\/strong><\/td>35 years<\/td>35 years<\/td>\n<\/tr>\n
Initial monthly investment<\/strong><\/td>RM575<\/td>RM250<\/td>\n<\/tr>\n
Average annual rate of returns<\/strong><\/td>6.0%<\/td>9.2%<\/td>\n<\/tr>\n
Total contributions<\/strong><\/td>RM417,188.36<\/td>RM181,386.25<\/td>\n<\/tr>\n
Total investment value<\/strong><\/td>RM1,187,848<\/strong><\/td>RM1,001,443<\/strong><\/td>\n<\/tr>\n
Percentage of projected returns<\/strong><\/td>184.7%<\/strong><\/td>452.1%<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n

Based on the calculation above, you will only be walking away from employment with RM1,187,848 if you rely on EPF alone. Assuming life expectancy of 75 years, you will need to make this amount last 15 years. That\u2019s a meagre RM6,599 of replacement income a month.<\/p>\n

At the increment rate we\u2019re taking, the last drawn salary will be RM6,829. With just the EPF money you\u2019d only have about 96.6% replacement income<\/p>\n

However, if you invest an additional 10% every month, you will get an additional RM1,001,443 post-employment boosting your retirement fund to RM2,189,291. That\u2019s a total replacement income of RM12,163 every month which puts you at about 178% of your last drawn salary which is more than enough to meet the recommendation!<\/p>\n

Just investing 10% a month gives you a 184% increase in your monthly replacement income during retirement. That\u2019s a pretty good return!<\/p>\n

Ready to kick-start your dream? Start now!<\/a><\/strong><\/p>\n

<\/span>Young investors saving to buy a home<\/span><\/h2>\n

\"investing\"<\/a><\/p>\n

Image from\u00a0cnbc.com<\/em><\/p>\n

Investment goal: Down payment of a RM600,000 home<\/strong><\/p>\n

Time horizon: 5 years<\/strong><\/p>\n

Risk behaviour: Mid-level \u00a0\u00a0<\/strong><\/p>\n

One of the biggest immediate aspirations for young working Malaysians is to be able to buy their first home. However, this has proven to be a challenging task with prices of properties continuously escalating.<\/p>\n

The biggest difficulty though lies in not the increasing prices but the hefty down payment required. To purchase a house valued at RM600,000, you\u2019d need at least RM60,000 available to pay for the down payment. That\u2019s not an amount most Malaysians have lying about.<\/p>\n

However, with a strong saving and investing strategy, this can be achieved over a short period of five years. To choose the right investment vehicle, you must consider liquidity and rate of returns, as you will be expecting to access the funds if you suddenly spot a home you want to buy.<\/p>\n

Here\u2019s an example of how you could meet this objective by using the Affin Hwang Select Income Fund. This fund offers steady and regular income stream in the form of distributions over medium term.<\/p>\n

Here\u2019s how this fund can help make your dream of becoming a home owner come true:<\/p>\n\n\n\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t
Target amount <\/strong><\/td>RM60,000
\n(10% of property price of RM600,000)
\n<\/td>\n<\/tr>\n
Average annual rate of returns<\/strong><\/td>8%<\/td>\n<\/tr>\n
Investment period<\/strong><\/td>5 years<\/td>\n<\/tr>\n
Initial investment<\/strong><\/td>RM5,000<\/td>\n<\/tr>\n
Monthly contribution<\/strong><\/td>RM715<\/td>\n<\/tr>\n
Total contribution<\/strong><\/td>RM47,900<\/td>\n<\/tr>\n
Total projected returns<\/strong><\/td>RM60,335.42<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n

With the help of an investment product, you only need to put away about RM47,900 to save up to RM60,000 in just five years. This is a lot easier than putting away RM1,000 every month for the next five years just to save up to buy your dream home. Not to mention, you\u2019re essentially saving RM12,100 on your down payment.<\/p>\n

Ready to kick-start your dream? Start now!<\/a><\/strong><\/p>\n

<\/span>Always invest early<\/strong><\/span><\/h2>\n

No matter what your investment objective may be, time plays the biggest role. You can see how greatly it impacts long term goals like savings for an education fund or retirement. Even with short term ones like saving for a down payment, planning ahead and investing can save you a lot of money.
\n<\/a>
\nWhen you begin your investment journey early, you give yourself a great advantage that only time can offer!<\/p>\n[sc:leadformAffin-Hwang]\n

Image from\u00a0financialsumo.com<\/em><\/h6>\n","protected":false},"excerpt":{"rendered":"

Just because you can’t afford the lifestyle of the super-rich doesn’t mean you can’t invest like them.<\/p>\n","protected":false},"author":39,"featured_media":23509,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[293,1,21,240,236],"tags":[208],"class_list":["post-23470","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education","category-investment","category-properties","category-retirement-planning","category-sponsored","tag-featured"],"acf":[],"yoast_head":"\nHere\u2019s How Investing Can Help You At Every Stage Of Your Life | iMoney<\/title>\n<meta name=\"description\" content=\"Just because you can't afford the lifestyle of the super-rich doesn't mean you can't indulge into investing like them.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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