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在steps of financial planning這個產品中，有4篇Facebook貼文，粉絲數超過0的網紅，也在其Facebook貼文中提到， EVERYONE wants to retire comfortably. However, it would be difficult to enjoy your golden years without any worries if you do not have sufficient fund...

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2021-08-03 15:39:28 有 1 人按讚
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EVERYONE wants to retire comfortably. However, it would be difficult to enjoy your golden years without any worries if you do not have sufficient funds to support yourself during retirement.

While many are complacent with their retirement savings that have been set aside through their mandatory retirement contribution, it may not be enough to sustain you throughout your retirement years. Moreover, you may even find it difficult to earn an income to replenish your savings and cover any shortfalls once you have retired. Therefore, you need to save and invest to generate multiple sources of income during retirement.

The following are some other reasons why you should take steps to bolster your retirement fund today.

1. Long-term sustainability

Malaysians have a rising life expectancy, thanks to medical advancements, and this means that you will need to support yourself for a longer retirement period. At the same time, healthcare costs are escalating, which can lead to increased costs in retirement. As such, you need to take these factors into consideration when planning for your retirement.

2. Be self-reliant

As family sizes may have become smaller nowadays, it will take a lot more for children to support their parents during their retirement. You do not have to be a financial burden on your loved ones, especially as your children may have their own family to support, when you are able to generate your own income through your savings and investments.

3. Manage the impact of inflation

Inflation will erode your retirement fund as the value of your money today will not be the same in the future. By having a diversified savings and investment portfolio, you may hedge against the effects of inflation to protect your retirement fund.

To supplement your retirement savings for your future self, you may consider contributing into private retirement scheme (PRS) funds. Apart from building an additional income stream, you can also enjoy up to RM3,000 tax relief per year until 2025 and have peace of mind as your money in PRS will be protected from creditors.

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steps of financial planning 在 柬埔寨房地產投資 Facebook 的最讚貼文

柬埔寨房地產投資 By 柬埔寨房地產投資

2020-12-21 10:20:24 有 2 人按讚
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What is a real estate bank and how to implement it to invest profitably?
December 21, 2020

Phnom Penh: What is Land Bank for sure? And what kind of investment methods should be available to make a profit? And be successful, have free cash and be able to retire for 15 years.

Nget Chou, an economist and real estate analyst, said that US real estate investors John Jacob Astor and Songsakdi used the "Land Banking" strategy. In the long run, focusing on high potential land in the suburbs has succeeded in becoming a billionaire real estate billionaire.

"Cambodia is also a country with a lot of potential in the land sector, so I believe that you, especially the youth, can use this strategy to be able to Retire only 15 years. ”

He gave the example that if you are 25 years old and you save $ 500 per month or $ 6,000 per year to invest in Land with a 20% increase in value per year, 15 years later (when you are 40) you can have about half a million dollars in assets.

Half a million dollars is not much, but you can retire if you know how to live a simple life (that is, spend less) and know Manage those assets to continue to increase revenue or as additional assets.

The above example is just a simple case, obviously if you are a person who is patient, good at saving or using capital sources from the bank and is smart. Very smart to invest in 15 years, you can save millions of dollars through real estate banks.

To achieve the above results, you should implement these 4 steps:

Building skills: You need to learn about investing and how to do land banking from experienced individuals, find out about legal, marketing and other skills. Such as negotiation, etc. In particular, you should have a person with practical experience as a mentor to help orient and advise you.

Second, investment planning: You need to use your long-term time effectively. How much land will you invest in each year? How much land? In what area? How much is the investment capital? Where do you get the capital from? What percentage of your salary is increased each year to increase your investment potential?

Third, wealth accumulation, you begin to study investment options according to the plan. Every year you follow a plan and have some flexibility depending on the actual situation. Then you wait to see the evolution through economic growth and the construction of infrastructure such as roads, water, electricity, housing and factories. Etc. Population growth is starting to pick up, demand for land is getting stronger and prices are going up accordingly.

Fourth, wealth distribution: About 15 years later, you are reaping the rewards of investing in a visionary land bank. You can sell some land to generate monthly income or sell some land to invest in a warehouse or building for rent or investment In the company, the director of the annual dividend to feed the family and enjoy a life of financial freedom.

These investment activities are all contributing to the development of the national economy. Some land that still has the potential to increase in value should continue to be kept as an asset increase.

Mr. Nget Chou stated that the above article is the result of practical implementation, study, research and analysis in the context of the Cambodian market and economy.

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steps of financial planning 在 美國在台協會 AIT Facebook 的最佳貼文

美國在台協會 AIT By 美國在台協會 AIT

2020-09-20 10:00:00 有 967 人按讚
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👩‍🎓2021年度入學留學申請開跑 – 9月份你該做些什麼？🧑‍🎓

台灣高中生看過來~！如果你是高三學生，而且計畫申請2021年秋季班入學美國大學，現在就應該要著手準備申請事宜囉！9月份你有哪幾件該做的事情呢？請看以下的圖說吧！

👩‍🎓Start 2020/21 School Application Cycle now - What to do in September?🧑‍🎓

If you’re planning on studying in the U.S. during the 2021/22 academic year, there are a few steps that you should take this month. First of all, make sure to get letters of recommendation from teachers and counselors, since many universities will require these. Second, you need to understand “early action” and “early decision.” Early action is non-binding and you may apply early action to multiple colleges. Early decision is binding. If you are accepted through early decision, you are committed to attending that school. You may not apply to more than one college under early decision. The advantage of early action over early decision is the opportunity it gives you to apply to, and ultimately compare financial aid packages from several schools. Early action deadlines usually fall at the same time as early decision. Early decision deadlines are often in November, and students are typically notified of the decision in December. #EducationUSA

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