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View: 6004|Reply: 62
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[Tempatan]
Ada EPF 500k boleh bersara dengan aman?
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A Malaysian netizen took to Reddit to ask whether his 55-year-old uncle could realistically retire with RM500,000 in Employees Provident Fund (EPF) savings and no other financial buffer.
According to the post, the uncle is single and lives alone in Puchong. He owns a two-room apartment and drives a Perodua Myvi, but does not have additional savings or investments.
The netizen added that his uncle is feeling physically and mentally exhausted due to health issues and no longer wishes to continue working.
However, the uncle is also concerned about how long his EPF savings would last if he stops working entirely. it
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https://www.kwsp.gov.my/en/w/article/expenses-after-retired
Jangka hayat kita makin panjang
Tapi lifestyle pula mengundang pelbagai penyakit |
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Insyaallah boleh ... letak jer kat epf tu .. bulan2 keluarkan 1/12 daripada dividen tahunan dalam rm2300 (andaiana div 5.5%/year).
Jangan ko pi sakau pulak duit acik ko tu.
Dan, kalau sakit, pi je KK dan hospital. kerajaan.
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Jgn usik epf..pastu nk tau juga umah & kete tu dh abih bayo ke belum.. apartment ke condo kena fikir maintenance fee juga kan |
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Dengan simpanan RM500k, ada rumah dan Myvi yang mana aku rasa memang dah takde utang... boleh hidup basic tapi selesa la. |
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kan! ok je sbb dia pun idup sorang. makan je duit dividend, tak perlu pun usik pelaburan pokok tu.
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Edited by ninja boy at 10-1-2026 06:55 PM
Ambil kira inflasi harini sepinggan makanan lengkap nasi sayur ikan air rm15, tahun 2030 rm20 2040 rm30, rumah kereta kena byr maintenance cukai repair, kalau ada kebun sawit rumah sewa 10 pintu no problem |
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sayawifenikmie replied at 10-1-2026 11:02 AM
Insyaallah boleh ... letak jer kat epf tu .. bulan2 keluarkan 1/12 daripada dividen tahunan dalam rm ...
Kaka, dividen rm2300 mana cukup...
Kalau dividen rm23000 pun maknanya dpt kurang drp 2k sebulan.. kalau dah habis bayaq keta, umah semua, masih cukup2 makan jahh.. sbb nnt bila keta dah uzur, nak kena ganti keta baru..
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baru baca news ritu kalau nk bersara ngan tenang kena ada 1.3 juta.. pengsan |
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500k epf, dividen dalam 27500(kalau ambik 5.5% dividen), so bulan2 dapat la lebihkurang 2300....okay la...duduk sorang.....makan minum berjimat la, sakit pening gi gomen spital...hutang semua dan setel kot...
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500k tu lokasi kl atau luar kl? Sbb kl sangat mustahil.
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inshaallah boleh kan...kalau start kerja dari umo 24thn, by the time pencen (60 or 65thn), sure epf dah ada byk tu kan...
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chuols yg muda2 ni, masukkanlah epf as self contribution byk2 (duit utk makpak tu berpada2 la bagi, toksah menimbun dan duit utk adikberadik toksah dok bagi lansung sbb bila dorang dah beso panjang dah senang, haremmmmm dorang nak ingat kat chuols). sape2 yang dah kawin tu (pompuan) suruh toklaki masukkan i-suri (dpt insentif dari gomen dalam max 300 setahun).... |
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matilah..
nak ada juta masa nak bersara tu memang susahlah..
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susah ye? ni pertanyaan ikhlas dari saya. kalau gaji dalam rm10k sebulan, susah ye nak cecah rm1M bila bersara?
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sbb ini perlu pengiraan, aku cuba tanya ai...
dalam 10 tahun
gaji 10,000
11% masuk epf
12% dari majikan masuk epf
fix dividen epf 5%
akhirnya akan dapat berapa...
After 10 years, your total KWSP savings would be approximately
RM347,149.83, assuming a consistent monthly salary, contribution rates, and a fixed 5% annual dividend rate.
.. tak sampai setengah juta pun.. harap tak salahlah, tapi aku nak gelak dululah hahaha... susah woo.
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itu kalau after 10yrs...kalau after 20yrs, mungkin dapat kot....by the way, kalau yg bergaji rm10k tu dah berapa tahun bekerja dan position ape eh....
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Edited by ninja boy at 10-1-2026 11:52 PM
Yg dah ada rumah sendiri no problem, yg xde rumah yg menyewa sampai ke tua atau bercerai tanpa ada rumah or surirumah epf sikit akan masalah masa tua bila stop kerja nak menumpang sibling or tinggal di rumah pusaka yg kos repair yg bikin gaduh anak menantu cucu tiri |
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ya mungkin...
pengiraan itu cuma guidance sahaja..
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Post time 10-1-2026 08:32 AM
变色卡
Post time 10-1-2026 07:10 PM
