Jika kita lihat orang kita kurang menyimpan duit untuk hari tua. Bila sakit tidak boleh kerja masa itulah baru nak tengadah..
Savings untuk hari tua, savings untuk masa kita sakit dan savings untuk bila kita tidak berupaya nak menjaga diri kita. Laksana kita di hari tua, bila nak ke tandas tak larat, nak mandi pun tak boleh, masa itu kita memang perlu nak pakai duit. Masa itu lah nak adult diapers, susu dan special diet untuk diri kita. Jika anak anak kita mampu dan berpangkat dan bergaji besar dan baik hati, maka di jaganya kita dan di ambil orang gaji makan pakai kita ditanggung.
Jika anak anak yang hidup sendiri merangkak rangkak nak lepas anak beranak pun susah, maka macam mana kita nak harap anak kita nak jaga kita?
Takkan lah kita nak berharap pada mereka semata mata, dizaman serba mencabar dan susah untuk mencari rezeki yang kekal dan halal, kos tambahan amatlah menyulitkan terutama pada anak anak yang bergaji kecil dan bukan bekerja sebagai kaki tangan kerajaan.
Jika kita bukan pesara kerajaan, maka setiap kali rawatan diperlukan di hospital, sungguhpun hospitalkerajaan, segala kos perlu ditanggung pesakit.
Jika anak kita bergaji kecil keja bawa teksi macam mana nak tanggung kita ke rawatan yang diperlukan?
Dimasa kita sihat dan kuat, segala duit yang lebih sedikit itu , masukkan lah didalam ASB, dan tabungan untuk dilaburkan.Buka lah beberapa akaun pelaburan dan simpanan. Buku ini jangan sesekali di keluarkan duitnya.
Ingat lah setiap kali kita pergi ke Sr ke xfc apa ke, jumlah tersebut seeloknya di simpan untuk hari kecemasan..mana tahu di hari tua kena sakit kerana excess makan. Mahu kena duit tu. Duit membeli belah dsbnya masuklah ke ASB.
Duit yang di jimat dengan memasak dirumah itu bolehlah disimpan untuk kecemasan. Jangan ikut rasa hati..
Zaman modern, maka ramai yang mempunyai jangka hayat yang panjang.. diwaktu itulah dimana akal fikiran kita makin kurang...adakala diwaktu itu , suami yang diharap menjaga isteri berubah menjadi eccentric. Tiba tiba sifat boros suami muncul dan duit semua dia pegang.
Mahu sesak nafas..
Walaupun suri rumah, bukalah bank account dan cubalah simpan sebanyak duit yang dapat setiap bulan. Yang pandai berniaga tu, janganlah belanja kasar. Berniaga buluh kasap ada hujung pangkal lesap.
Suami pun kena support isteri poket money dan duit untuk isteri simpan diatas nama sendiri.
Jika dapat anak anak yang menjadi dan ingat mak bapa senang lah hidup. Kalau dapat anak-anak yang tak kemana dan perangai bengkeng, mahu sakit dada.
Dibawah diambil article menasihatkan bagaimana kita boleh menyimpan duit dari muda untuk tabungan hari tua...Bacalah dan cuba ambil pengajaran dan dipraktikan. Masih belum terlambat dan diawal tahun baru ini bagus untuk memulakan azam menyimpan untuk 1. akaun di hari tua dan lemah nanti. 2. Untuk kecemasan, sakit pening dan sebagainya. 3. untuk rawatan hospital dan insurance rawatan di hari tua. 4. Untuk simpanan dan perbelanjaan di hari tua bila kita tak larat nak kerja, nak makan pakai kena beli tak perlu tunggu anak anak.
-perbelanjaan harian , makan diluar perlu ke setiap minggu? tidakkah boleh dilakukan semua dirumah? Gadget, shopping suka suka dan berjalan. Soal- boleh kah kita hidup tanpa semua ini? Setiap minggu? etc..
Belanja cari lah cara belaja bahan basah dari pasar borong, maknanya bangkitlah awal sikit tapi hasilnya berbaloi dan dapat jimat duit...
Anak anak jangan biasa dedahkan mereka dengan kemewahan dan makan yang sentiasa sedap sahaja. Nanti tekak jadi demanding. Jangan lah asyik fikir pasal makan sahaaja.. itu yang lagi menggalakkan nafus.
Ikut hati mati, ikut nafsu lesu..kering tak berduit.. makn cukup cukup tiap bulan. bila tua... ikat perut...
::As life expectancy rises, many of us can expect 45 years in employment followed by 30 years of retirement, possibly living on until we're in our nineties. ::
::So, how can you make sure you're not left out of pocket for three whole decades? Simple answer: plan effectively.
How, exactly, to do this is a tricky question. After all, it varies greatly depending on how far you've journeyed through life.
So to make things a little simpler, we've put together this easy-to-follow guide on making sure your golden years are rich and fulfilling.
We've recruited the help of two highly-regarded pensions experts, to keep you on track.
One is Mike Morrison, a man with a treasure trove of experience in the pensions industry and currently head of pensions development at Axa Wealth. The other is Martin Bamford, the managing director of award-winning IFA, Informed Choice.
Follow our decade-by-decade guide below...
›› IN YOUR 20s
• Focus on clearing your debts
• But make sure you open an Isa.
• Then save what you afford.
In your twenties you probably have your first proper job with a proper salary. But retirement will seem a long way in the future. At this stage, it's reasonable to allow other financial objectives to take priority.
According to Mike Morrison, those in their 20s should first look into repaying any student debt, especially more expensive bank and credit card debt, cover all living costs, and then see if there's enough left to squirrel some away.
- How to pick the best ISA/SAVINGS ACCOUNTS
Martin Bamford says that saving something, however small, is better than nothing: 'Starting a pension this early is a great way to build up a bigger retirement fund for later in life, as you add more contributions over your lifetime and they have longer to grow. Even if you can only afford a small amount, this is about forming a healthy savings habit.'
One of the best places for younger adults to put savings is a tax-free Isa.
'It might be better practice to save using an Isa where you are still building financial resources for the future but have greater flexibility in terms of access to the money,' says Bamford.
At this stage, a pension is by no means a necessity.
›› IN YOUR 30s
• Reassess your debts and outgoings
• Join your company pension scheme as soon as possible
• Think long-term with your investments.
So you're in your 30s. This can be a busy decade from a financial perspective. All of us face new challenges, with the costs to go with them. You may be getting married, starting a family or buying your first house. Or a combination of the three.
First things first, then: re-establish what debt you have and find ways to address it. Once you've done this, says Mike Morrison, you should ask yourself a set of questions: 1. Do you now have your own family to consider? 2. Do you have sufficient 'rainy day' savings? 3. Have you bought / are you looking into buying a house?
Marriage? Young couples in their 30s are faced with myriad financial concerns
This should help you establish a overview of your key financial outgoings. There is a fine balance to be struck between saving for the future and paying off debt, particularly expensive unsecured debt such as credit cards and personal loans.
Once this is done, there's no time to waste. Explore your retirement saving options as soon as you can. Your first point of call should be to find out if your company offers a pension scheme. If so, they'll make contributions on your behalf. This is effectively a pay rise – if you don't take it, you're turning down free money.
Martin Bamford says: 'Make sure you are a member of your company pension scheme if one is offered and take an interest in how this money is being invested. Too many pension scheme members select the default investment option rather than something tailored to your own financial objectives'
Take a long term view on your pension investments. You can afford to take on more risk – in the form of shares - as there is a high chance this will pay off in 30 years' time. The old adage, 'shares outperform savings accounts in the long run', still rings true.
But remember, adds Bamford, that retirement planning is about more than just building a big pension fund - make sure your budget is under control and clear debts where possible.
›› IN YOUR 40s
• If you haven't started saving, do something about it!
• Keep building your Isa /INSTAN SAVINGS ACCOUNT
• Your earnings should be peaking - dedicate some to a pension
Ideally, by the time you reach your 40s you'll already have built up some retirement savings, whether in the form of Isas or a company or personal scheme.
But if you haven't already started, it's not too late. It will just require more effort. This is a very crucial time for your retirement planning, and it's imperative that you act now. Your earnings are likely to be approaching their highest during this decade, and you should now be on top of your debts. All in all, you should be in a good position to start dedicating some real money towards planning for the future
'Make the most of pay rises and bonuses to boost your retirement savings, rather than simply increasing your expenditure each time,' says Martin Bamford. 'This is the time to take your retirement planning seriously, and that means having a target retirement age and understanding what your lifestyle will look like in retirement. You might not be able to paint an accurate picture of your retirement just yet, but you should be thinking about it in broad terms and making sure your financial plans are on track to deliver.'
The least you should have is an Isa, says Mike Morrison. Keep contributing to this over the years and try to build up your tax-free savings. Crucially you'll need to start planning the sort of income you expect to receive in retirement. If you plan to pack it all in early, then factor this into your thinking and make sure you increase your savings contributions.
›› IN YOUR 50s
• Maximise your contributions
• Remove risk from your pension investment plan
• Consider using a Sipp for greater control
Right, it's time to get serious. This decade is perhaps the most important of all when it comes to retirement planning.
Big 50: When you hit the half century, it's time to get serious about your pension
Firstly, do you have a retirement date in mind? It might not be definitive, but it should serve as a guide. Then calculate the sort of income you want. 'Perhaps work out a minimum and a 'nice to have',' says Mike Morrison.
Next, take a detailed look at your pension and where it's invested. You'll need to be positioning your pension fund for your choice of retirement income option.
'If you are likely to purchase an annuity when you retire, you should be phasing out volatility from your pension fund so there is less risk of a big dip in value a short time before you take benefits,' says Bamford. Take money out of risky equities and put it into safer cash investments. There could be nothing worse at this time than seeing a stock market lurch take a chunk out of your pot just as you're about to dig in.
Hopefully, you'll have accumulated a sizeable pension fund by this age. If this is the case for you, consider using a Self Invested Personal Pension (Sipp) to exercise greater control over the way in which it is invested.
Consider maximising your contributions, too. Particularly if you are a higher rate taxpayer (remember that pensions can be tax-efficient). You may have grown up children you wish to support financially, but try to strike the balance. As much as you can should go towards your pot - you won't have many other chances to maximise the size. If, and when you purchase an annuity, this can make a serious difference to your annual income.
›› IN YOUR 60s
• Check that all your debts, including mortgage, are in order
• Decide on whether you'll buy an annuity immediately or take drawdown
• Talk to an IFA before you take any action.
You're almost there. During this decade you will be making important decisions about how your pension fund produces cash and income in retirement.
'These are often lasting decisions that can have a major impact on your finances in later life, so it is the time to seek expert independent financial advice,' says Bamford.
This is particularly true in the case of annuities, where the options are varied. Essentially annuities are like insurance in reverse - you hand over a large lump sum (your pension pot) to an annuity provider, and they give you regular monthly payments in return for the rest of your life.
You may qualify for a higher annuity rate if you are a smoker or have an illness. This is called an enhanced annuity.
Martin Bamford says: 'Making choices at retirement is about so much more than simply choosing the most competitive annuity rate. It is becoming increasingly popular to use an Unsecured Pension to have greater control over income flexibility in retirement, often phasing the payment of tax-free cash over several years to reduce income tax bills. This is a more complicated strategy than buying an annuity but can really pay off over the longer term.'
Mike Morrison says that it's important to make sure all your debts are in order. Hopefully you will have been able, or are close, to paying off your mortgage, but what about children on your payroll? Are you still supporting them and their young families? These are important issues to discuss with an IFA before you sign up to an annuity.
Additionally, you may be fit and able and want to keep working.::