{"id":63776,"date":"2024-06-12T16:59:49","date_gmt":"2024-06-12T08:59:49","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=63776"},"modified":"2024-06-12T16:59:49","modified_gmt":"2024-06-12T08:59:49","slug":"6-signs-ready-for-retirement","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/6-signs-ready-for-retirement","title":{"rendered":"6 Signs That Indicate You Are Ready For Retirement"},"content":{"rendered":"<p><a href=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/06\/11165732\/in-partnership-with-eastspring-2024.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-63780\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/06\/11165732\/in-partnership-with-eastspring-2024-300x60.png\" alt=\"\" width=\"300\" height=\"60\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/06\/11165732\/in-partnership-with-eastspring-2024-300x60.png 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/06\/11165732\/in-partnership-with-eastspring-2024.png 332w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p><em>This is an advertisement by Eastspring Investments Berhad.<\/em><\/p>\n<p>For most people, retirement planning can be a daunting task. This becomes even more scary when faced with statistics such as <a href=\"https:\/\/www.kwsp.gov.my\/w\/epf-committed-to-help-members-rebuild-savings-and-secure-retirement-future\" target=\"_blank\" rel=\"noopener\">6.1 million EPF members having less than RM10,000 in their EPF accounts<\/a>. These levels are clearly not able to support anyone in retirement even for 1 year.<\/p>\n<p>But with proper planning, retirement could be a rewarding experience that lets you enjoy the fruits of your labour. The question is, how do you know you\u2019re ready for retirement?<\/p>\n<p>Being retirement-ready can be different for each individual but if you are able to achieve the following 6 signs, then you might be financially ready for retirement.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-are-the-signs-that-show-you-are-ready-for-retirement\"><\/span>What are the signs that show you are ready for retirement?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1-Having-enough-money-to-sustain-your-lifestyle\"><\/span>#1 Having enough money to sustain your lifestyle<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Whether it\u2019s to pay for your groceries or have the occasional holiday trip, all these costs need to be paid for and it\u2019s going to come from your retirement funds.<\/p>\n<p>The amount needed can vary from person to person but a general rule that experts often suggest is the <a href=\"https:\/\/www.forbes.com\/advisor\/retirement\/25x-rule-retirement\/\" target=\"_blank\" rel=\"noopener\">25x Rule<\/a>. The rule is a way to give yourself an estimate of how much money you need for retirement.<\/p>\n<p>Here\u2019s a quick example of how it works:<\/p>\n<ul>\n<li>You spend RM4,000 per month.<\/li>\n<li>RM4,000 x 12 = RM48,000<\/li>\n<li>RM48,000 x 25 = RM1,200,000<\/li>\n<\/ul>\n<p>For you to comfortably sustain your current lifestyle for 25 years, you would need at least RM1,200,000.<\/p>\n<p>Of course, you don\u2019t need to have all of that amount in just one form of funding. All your investments, assets, savings and any additional form of sustainable income should make up the total amount needed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2-Having-an-emergency-fund-for-any-unexpected-expenses\"><\/span>#2 Having an emergency fund for any unexpected expenses<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>An emergency fund is an absolute necessity as part of a retirement plan. Most people tend to have their retirement funds in investments and assets that are less liquid than cash, which can make it hard for you to get instant access to funding for unexpected expenses.<\/p>\n<p>Having at least 3-to-6 months\u2019 worth of expenses as an emergency fund is generally the best course of action to provide enough buffer for you during emergencies.<\/p>\n<p>One factor that you might want to consider is to keep your emergency fund in a high-yield savings account. This way not only will your emergency funds be kept safe and easily accessible, but you can also safely earn interest to add to your savings.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3-You-are-not-burdened-by-bad-debts\"><\/span>#3 You are not burdened by bad debts<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>When you reach retirement age, having as few bad debts as possible shows that you\u2019re financially ready for retirement. These bad debts can be in the form of unpaid credit card balances, high-interest car loans, and so forth.<\/p>\n<p>With over <a href=\"https:\/\/www.akpk.org.my\/akpk-over-50000-youths-debt-due-credit-cards-loans-worth-close-rm2b-total\" target=\"_blank\" rel=\"noopener\">50,000 youths today in debt due to credit cards and bad loans<\/a>, bad debts can become a serious issue that impacts your financial health if you don\u2019t take care of it before retirement.<\/p>\n<p>Ideally, you should clear all bad debts while you still have a working income, but another approach is to use a debt consolidation loan.<\/p>\n<p>With this loan, you can pay off all your outstanding bad debts and streamline your payments in one place, with one monthly due date and ideally, a lower interest rate.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4-You-dont-need-to-worry-about-healthcare\"><\/span>#4 You don\u2019t need to worry about healthcare<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Healthcare costs rise exponentially in retirement and medical inflation is a reality that many Malaysians will have to face. According to a study, Malaysia has been experiencing <a href=\"https:\/\/codeblue.galencentre.org\/2022\/06\/17\/study-reveals-8-to-9-annual-medical-inflation-in-malaysia\/\" target=\"_blank\" rel=\"noopener\">8% to 9% in medical inflation between 2013 and 2018<\/a>.<\/p>\n<p>While you can rely on public healthcare in Malaysia, which offers both affordable and world-class medical care, having different kinds of coverage can be helpful in certain situations.<\/p>\n<p>The best scenario here is to opt for an insurance plan as soon as you can afford to because the younger you are when you have insurance, the lower the premiums will be.<\/p>\n<p>If not, try to go for insurance plans that can act as a financial safety net in the event of an unexpected illness (cancer, diabetes, etc.), so that neither your savings would be depleted, nor your family would be saddled with huge medical bills.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5-You-figured-out-how-to-use-your-EPF-as-part-of-your-retirement-income\"><\/span>#5 You figured out how to use your EPF as part of your retirement income<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>EPF is an important aspect of retirement planning for Malaysians as it\u2019s generally the main source of guaranteed income that will sustain us in retirement.<\/p>\n<p>While EPF funds are available for withdrawal when you reach the age of 55, it might not necessarily be a good idea to withdraw all of it.<\/p>\n<p>In fact, if you\u2019re able to <a href=\"https:\/\/www.imoney.my\/articles\/withdrawing-your-epf-savings-early-heres-what-you-need-to-know\" target=\"_blank\" rel=\"noopener\">withhold from taking out your EPF funds for longer<\/a>, the amount of guaranteed income that you can receive will be much higher than if you were to take it out immediately.<\/p>\n<p>Having the ability to hold off from using your EPF funds is a great sign that you\u2019ve managed to secure your finances well into your golden years without needing to rely upon it. Plus, EPF allows you to keep your funds until you\u2019re 100 and continue to earn dividends from it.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6-You-have-a-stable-and-well-diversified-investment-portfolio\"><\/span>#6 You have a stable and well-diversified investment portfolio<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>At a younger age, you can take on bigger risks in investing as you have more time to recover from any shortfalls. But as you grow older, safe and steady growth should be your priority.<\/p>\n<p>If you have built a portfolio that\u2019s focused on stable investment and wealth creation and lets you achieve your desired rates of return at an acceptable risk leave, then that\u2019s a good sign you\u2019re ready for retirement.<\/p>\n<p>Of course, having a stable investment portfolio is good, but it would be better to diversify your portfolio. For Malaysians, we even have the option to utilise our EPF as a way to diversify investments using the <a href=\"https:\/\/www.kwsp.gov.my\/member\/savings\/i-invest\" target=\"_blank\" rel=\"noopener\">i-Invest platform<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Using-your-EPF-to-diversify-your-investments\"><\/span>Using your EPF to diversify your investments<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Putting money into investments can be a scary thought, especially if you don\u2019t have the funds or are tight with your budget at the moment.<\/p>\n<p>But as Malaysians, we can use our EPF to build a diverse portfolio without needing to put in additional cash. Here&#8217;s how you can start diversifying your EPF savings easily online with Eastspring Investments.<\/p>\n<p><a href=\"https:\/\/www.eastspring.com\/my\/funds-and-solutions\/i-invest?utm_source=iMoney&amp;utm_medium=advertorial&amp;utm_id=EPF2024\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-63826 size-full\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/06\/12165809\/Eastspring-Infographic_V2.png\" alt=\"\" width=\"1080\" height=\"3889\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/06\/12165809\/Eastspring-Infographic_V2.png 1080w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/06\/12165809\/Eastspring-Infographic_V2-300x1080.png 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/06\/12165809\/Eastspring-Infographic_V2-800x2881.png 800w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/06\/12165809\/Eastspring-Infographic_V2-768x2766.png 768w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/06\/12165809\/Eastspring-Infographic_V2-569x2048.png 569w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Prepare-for-your-retirement-today-with-Eastspring\"><\/span>Prepare for your retirement today with Eastspring<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you\u2019ve managed to achieve all 6 signs, then that means you\u2019re more than prepared for retirement.<\/p>\n<p>But if you still need a little help with diversifying your investments, <a href=\"https:\/\/www.eastspring.com\/my\/funds-and-solutions\/i-invest?utm_source=iMoney&amp;utm_medium=advertorial&amp;utm_id=EPF2024\" target=\"_blank\" rel=\"noopener\">Eastspring Investments<\/a> can help ensure that you can be retirement-ready by diversifying your EPF savings.<\/p>\n<div class=\"block\"><div><\/p>\n<p><strong>Receive an RM100 Touch n Go Reload* when you invest with Eastspring<\/strong><\/p>\n<p>From now until 30 August 2024, <a href=\"https:\/\/www.eastspring.com\/my\/funds-and-solutions\/i-invest?utm_source=iMoney&amp;utm_medium=advertorial&amp;utm_id=EPF2024\" target=\"_blank\" rel=\"noopener\">Eastspring<\/a> is giving away RM40,000 worth of Touch n Go eWallet Reloads for investments via <a href=\"https:\/\/www.eastspring.com\/my\/funds-and-solutions\/i-invest?utm_source=iMoney&amp;utm_medium=advertorial&amp;utm_id=EPF2024\" target=\"_blank\" rel=\"noopener\">EPF i-Invest<\/a> into any of their <strong>EPF-MIS-approved<\/strong> funds.<\/p>\n<p>To learn more about the offer, head over to their website.<\/p>\n<p>*<a href=\"https:\/\/www.eastspring.com\/docs\/librariesprovider18\/default-document-library\/epf-2024-campaign-tnc_compliance-210524.pdf\" target=\"_blank\" rel=\"noopener\">Terms and Conditions apply<\/a><\/p>\n<p><strong>Disclaimer<\/strong><\/p>\n<p>This advertisement is prepared for information only and may not be published, circulated, reproduced or distributed in whole or part, whether directly or indirectly, to any other person without the prior written consent of Eastspring Investments Berhad (&#8220;Manager&#8221;).<\/p>\n<p>Investors are advised to read and understand the contents of the respective fund\u2019s prospectus and product highlights sheet (collectively, \u201coffer documents\u201d) before investing. The offer documents are available at offices of Eastspring Investments Berhad or its authorised distributors and investors have the right to request for a copy of the offer documents.<\/p>\n<p>This advertisement has not been reviewed by the Securities Commission Malaysia (&#8220;SC&#8221;). The respective fund\u2019s prospectus has been registered with the SC who takes no responsibility for its contents. The registration of the fund prospectus with the SC does not amount to nor indicate that the SC has recommended or endorsed the product. Past performance of the Manager\/fund is not an indication of the Manager\u2019s\/fund\u2019s future performance.<\/p>\n<p>Investors are advised to consider the risks as elaborated in the respective fund\u2019s prospectus, as well as the fees, charges and expenses involved before investing. Investors may also wish to seek advice from a professional adviser before making a commitment to invest in units of any of our funds.<\/p>\n<p>Eastspring Investments (&#8220;Eastspring&#8221;) is an ultimately wholly owned subsidiary of Prudential plc. Prudential plc, is incorporated and registered in England and Wales. Registered office: 1 Angel Court, London EC2R 7AG. Registered number 1397169. Prudential plc is a holding company, some of whose subsidiaries are authorized and regulated, as applicable, by the Hong Kong Insurance Authority and other regulatory authorities. Prudential plc is not affiliated in any manner with Prudential Financial, Inc., a company whose principal place of business is in the United States of America or with the Prudential Assurance Company Limited, a subsidiary of M&amp;G plc. A company incorporated in the United Kingdom.<\/p>\n<p><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>When you see these 6 signs, you are on the right track to be retirement-ready.<\/p>\n","protected":false},"author":47,"featured_media":63785,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,240,236],"tags":[340,661,208,1086,660,649,2278,650],"class_list":["post-63776","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-retirement-planning","category-sponsored","tag-epf","tag-epf-i-invest","tag-featured","tag-i-akaun","tag-investment","tag-retirement","tag-retirement-fund","tag-retirement-planning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>6 Signs You Are Ready For Retirement<\/title>\n<meta name=\"description\" content=\"How do you know if you\u2019re ready for retirement? 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