in my last entry i did mention i'm gonna update my blog quite often now.. but.. you know what i'm going to say.. i'm busy.. huahua..

anyways.. this time i wanna talk about retirement.. do you have any savings for your retirement?? you might have savings.. but do you really specify what your savings are for?? maybe you save some in ASB.. some in Tabung Haji.. some in unit trust.. some you just leave them shrink in the savings account.. again I'm asking what are those money for.. usual and easy answer.. UNTUK HARI TUA.. huhuhu..

hari tua could means for your retirement.. hari tua could means when you're sick, critically ill, bedridden for the rest of your life.. hari tua could means for your kids education.. hari tua could means for you to renovate your house to accomodate your kids and grandkids.. lagi best.. hari tua could means for your next marriage..

well.. not many people actually have a saving purposely for their retirement, savings to build a fund to replace the income you're earning right now.. many people think their EPF money would be enough.. but statistic shows that most people used up all their EPF money during the FIRST 3 YEARS of their retirement years.. after that they are actually hoping that their kids have good jobs and can take care of them..

Maybe right now, your parents are still earning.. still working beyond their retirement age.. or started a business.. what are they trying to do? to make a living.. to make sure they'll survive their retirement years.. they wouldnt want to ask for your help.. because they know we ourselves are not earning that much..

in the future, if we did not do something for our retirement.. we'll be like them, old but still working.. old but still wakes up early in the morning to go to work.. worse.. if we have to change our lifestyle.. we used to own a car.. now we have to sell it.. we used to eat out at chilis or TGIF.. now we dont even go out to mamak that often.. we used to travel around.. now we dont quite have enough to go to our son's house in the UK..

we always thought when we are older we dont drive because our eyesight has worsen.. we thought when we are older we cant eat at chilis or TGIF because its not healthy.. when we are older we cant travel that much because we are weaker, back pain and such..

but if we have the money, we could use a driver.. we could still eat healthier servings at chilis or TGIF (ada ke?).. we could travel first class..

products that might help.. PRUretirement accumulator and PRUretirement growth (formerly known as PRUlink income)