A two-minute check: put in the monthly income, see what every stage of life needs, then compare what we already have and send it to Raff. The lifestyle never changes; only the source of the income does.
Four quick fields, and that is the whole form for now
What is our monthly income?
Use what actually lands in the account each month. If two people bring income into the house, add both together. Four numbers now; a few more later, each right where its answer appears.
RM
years
Everything between now and 60 is the building runway. The retirement working below runs on it.
people
Everyone living on this income, us included. The emergency fund and the family cover follow this number.
RM
Home, car, personal. Leave it at zero if unsure. The life cover figure rises with this balance.
1
Step 2 of 3
The ideal future
The level to aim for and chase
What does our income need to cover, at every stage?
Every stage of life needs income. This part is the ideal: the level we aim for and chase, worked out straight from the income above. Nobody reaches this level on day one, and that is normal.
While working
Our body and mind are earning.
Main sourceRM5,000 a monthThe salary or business income we have today.What this means
For as long as our body and mind can work, this is the largest asset we own. It has exactly one problem: it stops when the body stops. Every other row in this column exists because of that.
The four guards around this income
Critical illness coverRM60,000 to RM120,00012 to 24 months of income, to replace the salary that stops during illness.What this means
When a critical illness happens, the most expensive part is usually not the hospital bill. It is the months of not being able to work while the household keeps spending as usual. A medical card pays the hospital. Critical illness cover pays for our life during that time. That is why this figure is worked out from income rather than from the cost of treatment.
Emergency fundRM16,500 6 months of committed costs. Kept separate and easy to reach. What this means
Committed costs are taken as 55% of income, which is RM2,750 a month.
Three months of committed costs is the floor; from three people in the household, it stretches to six. Without this fund, one of three things happens the day something breaks: the monthly budget scatters, or savings and investments get raided, or a credit card starts a debt that is hard to clear. With it, a crisis becomes an inconvenience: take the money out, pay, carry on. Keep it separate and never invested, because this fund is about the certainty it is there, not about returns.
Medical cardAn annual limit sized to private hospital realityThis is what stops savings being drained to pay a bill.What this means
There is no figure here because an adequate limit depends on which hospital and which plan. What matters is that the annual limit tracks what private hospitals charge today, not what they charged ten years ago. Without a card, the hospital bill comes out of savings built for something else.
Backup / side income2 sourcesOne source of income is not a plan. That is only a hope.What this means
The whole aim is that the amount landing in the account each month stays the same even when the main income has an issue. How to count a backup: it only counts if it still pays when we cannot work. A second job is not a backup, because it stops the same moment we do. Rent, dividends and a critical illness payout do count. And this is not only about illness: if the job disappears in a retrenchment tomorrow, backup sources plus the emergency fund mean the next chapter starts with something, never with nothing.
In retirement
The fund we built is earning, not the body.
Monthly income in retirementRM3,330 a monthTwo thirds of our income today.
= RM39,960 a year What this means
Two thirds of our income today. It is a starting point Raff chose, not an official figure from any authority. The reasoning: after retiring there is usually no EPF deduction and the children cost less, but health costs rise, so two thirds keeps the same lifestyle rather than a reduced one. A pension does not remove this target; it pays part of it, and our own assets plug the gap. Treat two thirds as the floor, not the ceiling.
Retirement fundRM799,200This is our golden goose: sized so an assumed 5% return lays that monthly amount as eggs from retirement day until death, with the goose itself never touched. RM3,330 × 12 ÷ 5% = RM799,200 What this means
The fund is sized backwards from the monthly figure: two thirds of income, twelve months a year, divided by an assumed 5% return. A fund that size lays the monthly amount as eggs from retirement day until death, without the goose itself being touched: take only the eggs, never the goose. Counted the hard way instead, zero return and simply spent down over 20 years, the sum needed comes out exactly the same. Two roads, one number. The working below the timeline turns it into a monthly saving from our age today.
The want kept separate: the travel fund
Travel fundA want, funded by extra savingExtra savings for travelling often, so the goose is never cut.What this means
A travel fund is extra saving with one job: holidays that never touch the goose. If the retirement fund is the goose that lays the eggs, travel comes from a separate basket, so a good year of travelling never shrinks the thing that pays for every year after it. And when the basket has spare, it feeds the goose instead, and a better-fed goose lays more.
After we are gone
The family still needs income.
Hibah (life cover)RM600,000Outstanding debt plus 10 years of income.What this means
Ten years of income plus the outstanding debt, arranged as hibah. Hibah matters because it pays the family directly and quickly, so the household keeps the same lifestyle without us. Ten years is deliberate: long enough for the children to finish growing up, become independent, and be able to support each other. The debt part clears the house, so the home is never the burden. And while illness at least has the government hospital as a last net, there is no such net for the family after us: hibah is that net, built in advance.
The giving that continues: infaq
Infaq and wakafWhatever we canIncome that keeps flowing after we are gone.What this means
There is no figure here; it follows what each of us can manage and intends. It is on the list because our income plan does not stop at this world. One practical route: an additional hibah arrangement with the infaq recipient named in it, which can cost less month to month than saving the same amount, so the giving is secured early instead of waiting for savings to grow.
The three stages, on one line.
This graphic follows the numbers in our check and moves when income changes. It maps the ideal level, and it is not a projection of investment returns.
Working years left before age 60: 30. That is the time for building the fund and putting protection in place.
The retirement fund, worked out in the open.
While we work, the body is the asset and the salary is its return. With age, the same body slowly crosses the ledger: it stops producing and starts costing. That is not a tragedy, it is a schedule, and a fund can be built to meet it.
We work hard now because we want to relax and enjoy life later. For that to happen, another asset must be ready to take over the producing on the day the body retires. Ready on that day means built through the working years, starting now.
RM
EPF, ASB and investments meant for retirement, added together. Zero is fine.
RM
What a pension would pay each month from 60. Most of us put zero.
See the full working, step by step
Income today
RM5,000 a month
Target in retirement, two thirds of it
RM3,330 a month
The pension pays first
RM0 a month
Left for our own assets to pay RM3,330 - RM0
RM3,330 a month
Fund to pay that for 20 years RM3,330 × 12 × 20
RM799,200
Already standing today
RM0
The gap to build RM799,200 - RM0
RM799,200
Working months left to 60 30 years × 12
360 months
Set aside monthly, starting now bare minimum RM799,200 ÷ 360
RM2,220 a month
Or, with a 5% yearly return assumed assumption
RM961 a month
The bare-minimum row is the floor for keeping the same lifestyle after the salary stops. It splits the gap evenly across the months left, counting nothing for returns or inflation, so every step can be checked on a phone calculator.
Five per cent a year is an assumption for illustration, compounded monthly, and it is not a promise from anyone. Real returns move around it, which is exactly why the bare-minimum row assumes nothing at all.
If the figures look heavy, that is the honest cost of time. The conversation with Raff starts from what already stands, never from zero.
The golden goose
Feed the goose to RM799,200, and at the assumed 5% a year it lays about RM3,330 a month in eggs, for as long as it lives, without the goose ever shrinking.
The eggs pay, the goose stays. Never sell the goose for one good year; feed it as big as possible, so it lays as much as possible.
For comparison: the EPF Adequate Savings target is RM650,000 at age 60, under its Retirement Income Adequacy framework effective 1 January 2026. EPF uses the same 20-year drawdown, from age 60 to 80, and describes three to six months of expenses as the usual range for an emergency fund.
Honest first
If those numbers look big, they are meant to.
Those numbers are a map, not a bill. Nobody builds all of it in one month, and nobody has to build all of it at once.
In Bank Negara Malaysia’s 2024 Financial Capability and Inclusion Survey, only 37% said they could cover living costs for more than three months if their income was disrupted. So if that number looks far away, we are not alone in that.
There is no point spending on the future while today is still hungry. That is why the second half of this page exists.
We build from the base, with whatever we have, using Formula 55/20/10/15, Raff's own starting split: 55% living costs, 20% investing, 10% emergency fund, 15% protection. A budget teaches the income where to go.
A pyramid lasts hundreds of years for one reason: it is built from a wide, strong base. Protection and the emergency fund are that base; investing is the peak on top.
When a storm hits a strong base, it damages but does not destroy. Repairing is far easier than rebuilding a destroyed home.
What are we already committing each month?
Fill these three and the pyramid below compares each against its own level: under, on it, or above.
RM
The three covers added together: medical card, critical illness, life cover.
RM
What goes into the separate emergency account each month.
RM
Monthly investing for retirement and long-term goals.
The base is not full yet, and that is where we start, not a reason to feel behind: protection first, then the emergency fund, then investing. Small and consistent beats big and abandoned.
The storm test
Say the savings stand at RM50,000, ten months of income, built over years. One critical illness, six months unable to work: the commitments still leave the account, RM16,500 gone before a single treatment bill, and the treatment bills land on top. Savings like that can be wiped out in three or four months.
Or the base is built first: about RM750 a month across the three takaful covers, and the storm hits the covers instead of the savings. The commitments get paid, the treatment gets paid, and the RM50,000 stays standing. That is the whole thing in one storm: Wealth Planning = Income Planning.
Living costs Today · Spend Rent or the housing loan, food, bills, school and petrol. This has to keep running before anything else can.
55% = RM2,750 RM2,750Today
Investing Retirement · Build Long-term savings we do not touch until 60, one jar per goal. This is what becomes our income in retirement.
20% = RM1,000 RM0Below
Emergency fund When income is interrupted · Protect Cash we can reach quickly, for the months when our income is interrupted.
10% = RM500 RM0Below
Protection Every stage · Protect and preserve Medical card, critical illness and life cover. This is what keeps the other three from being raided. Split three ways at 5% each: medical card, critical illness, life cover. About RM250 each.
15% = RM750 RM0Below
Split three ways at 5% each: medical card, critical illness, life cover. About RM250 each.
Protect first, then build. Without protection, a single event forces us to dig into everything we have built.
The order
We fill one stalk at a time, not all of them at once.
In the story of Yusuf the grain is kept in its stalk so it lasts. We fill one stalk at a time.
1
The illness stalk
Medical card and critical illness cover. This is what guards the salary and the savings when the body stops working.
It is first because one hospital admission can spend years of savings in a matter of weeks.
2
The emergency stalk
Three to six months, kept separate and easy to reach. Built alongside the first one.
Alongside, because not every interruption to income comes from illness. A broken car or a lost job needs cash, not a certificate.
3
The future stalk
Long-term savings we never touch, for the children and for retirement.
It is third because it needs the longest time to grow, which makes it the most costly one to raid early.
4
The family stalk
Life cover and hibah, so the housing loan never becomes the family burden.
It is fourth for anyone with no dependants. With children or a housing loan it rises to matter as much as the first.
Move to the next stalk when the one before it is full. Save in the good season for the dry one.
One aim: the same income, every month, no matter what.
The aim is to maintain the same income so that our lifestyle, and our family’s, stays the same whether we are working, not working, sick, or no longer here. That is only possible when we hold on to one sentence: Wealth Planning = Income Planning. The lifestyle never changes. Only the source of the income does.
What this check is not
This is a map, not financial advice.
The ratios used here come from Raff's own framework, not from any authority. Two thirds of income for retirement, 12 to 24 months for critical illness, 10 years for the family: each one is a starting point he chose because it is simple enough to remember.
Every ringgit figure here is a floor, not a ceiling: the bare minimum for keeping the same lifestyle when the salary stops. The bare-minimum row assumes zero returns and the target ignores inflation, so those numbers can be reproduced on a phone calculator. The 5% row shows how returns lighten the load, and it is an illustration, never a promise.
The working counts existing savings and a pension only as far as the two fields carry them. Nothing else is assumed on our behalf.
If we already hold a takaful certificate, we review and rearrange it together. Nothing has to change today.
No product is recommended in this check, and nothing has to be bought to use this page.
Want to know which layer to fill first?
Send the numbers from this check. Raff looks at which one matters most for us, and says so plainly if what we already have is enough.
Semakan dua minit: isi income sebulan, tengok apa yang setiap waktu hidup perlukan, kemudian banding dengan apa yang kita dah ada dan hantar pada Raff. Gaya hidup tak pernah berubah; yang bertukar hanya punca income.
Ambil jumlah yang betul-betul masuk akaun setiap bulan. Kalau dua orang bawa income dalam rumah, campurkan dua-dua. Empat angka dulu; beberapa lagi kemudian, masing-masing di tempat jawapannya muncul.
RM
tahun
Semua tahun antara sekarang dan 60 ialah landasan membina. Kira-kira persaraan di bawah bergerak atas landasan ni.
orang
Semua yang hidup atas income ni, termasuk kita. Dana kecemasan dan perlindungan keluarga ikut angka ni.
RM
Rumah, kereta, peribadi. Biar kosong kalau tak pasti. Angka perlindungan nyawa naik ikut baki ni.
1
Langkah 2 daripada 3
Masa depan ideal
Paras yang kita sasar dan kejar
Apa yang income kita perlu tampung, pada setiap waktu?
Setiap waktu hidup perlu income. Bahagian ni paras ideal: paras yang kita sasar dan kejar, dikira terus dari income kita tadi. Tak ada sesiapa yang dah sampai paras ni dari hari pertama, dan itu perkara biasa.
Waktu Bekerja
Badan dan minda kita yang cari duit.
Punca utamaRM5,000 sebulanGaji atau hasil kerja kita hari ni.Apa maksudnya?
Selagi badan dan minda kita boleh kerja, inilah asset paling besar yang kita ada. Masalahnya cuma satu: dia berhenti bila badan berhenti. Empat baris lain dalam lajur ni wujud sebab tu.
Empat pengawal sekeliling income ni
Perlindungan sakit kritikalRM60,000 hingga RM120,00012 hingga 24 bulan income, untuk ganti gaji yang berhenti masa sakit.Apa maksudnya?
Bila sakit kritikal berlaku, yang paling mahal selalunya bukan bil hospital. Yang mahal ialah bulan-bulan kita tak boleh kerja sedangkan belanja rumah jalan macam biasa. Kad perubatan bayar bil hospital. Perlindungan sakit kritikal bayar hidup kita masa tu. Sebab tu angka ni dikira ikut income, bukan ikut kos rawatan.
Dana kecemasanRM16,500 6 bulan komitmen bulanan. Simpan asing, senang cair. Apa maksudnya?
Komitmen bulanan diambil sebagai 55% daripada income, iaitu RM2,750 sebulan.
Tiga bulan komitmen bulanan ialah lantai; dari tiga orang isi rumah, ia jadi enam bulan. Tanpa dana ni, satu daripada tiga benda berlaku pada hari sesuatu rosak: bajet bulanan berterabur, atau simpanan dan pelaburan dikorek, atau kad kredit mulakan hutang yang payah dilangsai. Dengan dana ni, krisis bertukar jadi kesulitan kecil: keluarkan duit, bayar, teruskan hidup. Simpan berasingan dan jangan dilaburkan, sebab dana ni pasal kepastian ia sentiasa ada, bukan pasal pulangan.
Kad perubatanHad tahunan yang cukup untuk realiti hospital swastaIni yang halang simpanan kita dikorek untuk bayar bil.Apa maksudnya?
Tiada angka di sini sebab had yang cukup bergantung pada hospital mana dan pelan mana. Yang penting had tahunan tu ikut harga hospital swasta hari ni, bukan harga sepuluh tahun lepas. Tanpa kad, bil hospital akan diambil dari simpanan yang kita bina untuk benda lain.
Sandaran / income sampingan2 puncaSatu punca pendapatan bukan plan, itu harapan.Apa maksudnya?
Matlamat sebenarnya satu: jumlah yang masuk akaun setiap bulan kekal sama walaupun punca utama ada masalah. Cara kira sandaran: ia dikira hanya kalau ia masih bayar bila kita tak boleh kerja. Kerja sambilan kedua bukan sandaran, sebab ia berhenti sama masa kita berhenti. Sewa, dividen dan pampasan sakit kritikal memang dikira. Dan ini bukan pasal sakit sahaja: kalau kerja hilang esok sebab pengurangan pekerja, punca sandaran campur dana kecemasan maksudnya bab baru bermula dengan sesuatu, bukan dengan kosong.
Waktu Bersara
Yang cari duit sekarang: dana yang kita bina, bukan lagi badan.
Income bulanan waktu bersaraRM3,330 sebulanDua pertiga income kita hari ni.
= RM39,960 setahun Apa maksudnya?
Dua pertiga income kita hari ni. Ia titik permulaan yang Raff pilih, bukan angka rasmi mana-mana pihak berkuasa. Logiknya: lepas bersara biasanya tiada potongan KWSP dan kos anak berkurang, tapi kos kesihatan naik, jadi dua pertiga mengekalkan gaya hidup yang sama, bukan yang dikurangkan. Ada pencen pun, sasaran ni tak berubah: pencen bayar sebahagian, dan asset kita sendiri tampung bakinya. Anggap dua pertiga sebagai lantai, bukan siling.
Dana persaraanRM799,200Inilah angsa telur emas kita: disaiz supaya pulangan andaian 5% bertelurkan jumlah bulanan tu dari hari bersara sampai hujung hayat, dan angsanya tak pernah disentuh. RM3,330 × 12 ÷ 5% = RM799,200 Apa maksudnya?
Dana ni disaiz dari belakang, bermula dengan angka bulanan: dua pertiga income, dua belas bulan setahun, dibahagi dengan pulangan andaian 5%. Dana sebesar tu bertelurkan jumlah bulanan tu dari hari bersara sampai hujung hayat, tanpa angsa disentuh: ambil telurnya sahaja, jangan sekali sembelih angsanya. Dikira cara keras pula, pulangan sifar dan dibelanjakan sahaja selama 20 tahun, jumlah yang perlu keluar tetap sama. Dua jalan, satu angka. Kira-kira di bawah garis masa tukarkan ia jadi sisihan bulanan dari umur kita hari ni.
Kehendak yang diasingkan: dana travel
Dana travelKehendak, dibiayai simpanan tambahanSimpanan tambahan untuk kerap melancong, supaya angsa tak pernah dipotong.Apa maksudnya?
Dana travel ialah simpanan tambahan dengan satu tugas: melancong tanpa menyentuh angsa. Kalau dana persaraan ialah angsa yang bertelur emas, travel datang dari bakul yang berasingan, supaya tahun melancong yang best tak mengecilkan benda yang membayar setiap tahun selepasnya. Dan bila bakul tu ada lebihan, ia memberi makan angsa tu pula, dan angsa yang cukup makan bertelur lebih.
Waktu Tiada Lagi Di Dunia
Keluarga masih perlukan income.
Hibah (perlindungan nyawa)RM600,000Baki hutang campur 10 tahun income.Apa maksudnya?
Sepuluh tahun income, campur baki hutang, diatur sebagai hibah. Hibah penting sebab ia bayar terus kepada keluarga dengan cepat, jadi isi rumah kekal gaya hidup yang sama tanpa kita. Sepuluh tahun tu sengaja: cukup lama untuk anak-anak habis membesar, jadi berdikari, dan mampu tolong satu sama lain. Bahagian hutang melangsaikan rumah, supaya rumah tak jadi beban. Dan kalau sakit sekurang-kurangnya ada hospital kerajaan sebagai jaring terakhir, tiada jaring seumpamanya untuk keluarga selepas kita: hibah itulah jaringnya, dibina awal.
Pemberian yang berterusan: infaq
Infaq dan wakafIkut kemampuanIncome yang terus mengalir selepas kita tiada.Apa maksudnya?
Tiada angka di sini, ia ikut kemampuan dan niat masing-masing. Ia ada dalam senarai sebab rancangan pendapatan kita tak berhenti setakat dunia sahaja. Satu jalan praktikal: pelan hibah tambahan yang menamakan penerima infaq di dalamnya, yang boleh jadi lebih ringan kosnya sebulan berbanding menyimpan jumlah yang sama, jadi pemberian tu terjamin awal tanpa menunggu simpanan membesar.
Tiga waktu tadi, atas satu garis.
Graf ni ikut angka semakan kita dan bergerak bila income berubah. Ia peta paras ideal, bukan unjuran pulangan pelaburan.
Baki tahun bekerja sebelum umur 60: 30. Masa inilah dana dibina dan perlindungan disusun.
Dana persaraan, dikira secara terbuka.
Selagi kita bekerja, badan ialah asset dan gaji ialah hasilnya. Bila umur meningkat, badan yang sama perlahan-lahan bertukar sisi: dia berhenti mengeluarkan dan mula menelan kos. Itu bukan tragedi, itu jadual, dan dana boleh dibina untuk menyambutnya.
Kita kerja kuat sekarang sebab kita nak rehat dan nikmati hidup nanti. Untuk itu berlaku, satu asset lain mesti sedia mengambil alih tugas mengeluarkan income pada hari badan bersara. Sedia pada hari tu maksudnya dibina sepanjang tahun bekerja, bermula sekarang.
RM
KWSP, ASB dan pelaburan untuk persaraan, dicampur sekali. Kosong pun tak apa.
RM
Apa yang pencen akan bayar setiap bulan dari umur 60. Kebanyakan kita letak kosong.
Lihat kira-kira penuh, langkah demi langkah
Income hari ini
RM5,000 sebulan
Sasaran waktu bersara, dua pertiga daripadanya
RM3,330 sebulan
Pencen bayar dulu
RM0 sebulan
Baki yang asset kita kena bayar RM3,330 - RM0
RM3,330 sebulan
Dana untuk bayar selama 20 tahun RM3,330 × 12 × 20
RM799,200
Yang dah ada hari ini
RM0
Jurang yang perlu dibina RM799,200 - RM0
RM799,200
Baki bulan bekerja sampai 60 30 tahun × 12
360 bulan
Sisih setiap bulan, mula sekarang paras minimum RM799,200 ÷ 360
RM2,220 sebulan
Atau, dengan andaian pulangan 5% setahun andaian
RM961 sebulan
Baris paras minimum ialah lantai untuk kekalkan gaya hidup yang sama selepas gaji berhenti. Ia bahagikan jurang sama rata ikut baki bulan, tanpa mengira pulangan atau inflasi, jadi setiap langkah boleh disemak dengan kalkulator telefon.
Lima peratus setahun ialah andaian untuk ilustrasi, dikompaun bulanan, dan ia bukan janji daripada sesiapa. Pulangan sebenar turun naik di sekelilingnya, sebab tulah baris paras minimum tak mengandaikan apa-apa.
Kalau angka tu nampak berat, itulah kos masa yang jujur. Perbualan dengan Raff bermula dari apa yang dah ada, bukan dari kosong.
Angsa telur emas
Besarkan angsa sampai RM799,200, dan pada andaian 5% setahun ia bertelur lebih kurang RM3,330 sebulan, selama-lamanya, tanpa angsa tu mengecil.
Telurnya yang membayar, angsanya kekal. Jangan sekali jual angsa untuk satu tahun yang best; besarkan ia seboleh mungkin, supaya ia bertelur sebanyak mungkin.
Sebagai perbandingan: sasaran Simpanan Mencukupi KWSP ialah RM650,000 pada umur 60, di bawah Rangka Kerja Kecukupan Pendapatan Persaraan yang berkuat kuasa 1 Januari 2026. KWSP juga guna tempoh pengeluaran 20 tahun, dari umur 60 hingga 80, dan menyebut julat tiga hingga enam bulan perbelanjaan sebagai panduan biasa untuk dana kecemasan.
Jujur dulu
Kalau angka tu nampak besar, itu memang betul.
Angka tadi peta, bukan bil. Tak ada sesiapa bina semua ni dalam satu bulan, dan tak ada sesiapa perlu bina semua ni sekali gus.
Dalam Tinjauan Keupayaan dan Rangkuman Kewangan Bank Negara Malaysia 2024, 37% je yang kata mereka boleh tampung kos hidup lebih tiga bulan kalau income terganggu. Jadi kalau angka tadi nampak jauh, kita bukan seorang.
Tiada gunanya belanja untuk masa depan sedangkan hari ni pun lapar. Sebab tu bahagian bawah ni wujud.
2
Langkah 3 daripada 3
Kedudukan kita sekarang
Mula dengan apa yang ada, tambah baik dari masa ke masa
Kita bina dari bawah, ikut apa yang ada, dengan Formula 55/20/10/15, pembahagian permulaan Raff sendiri: 55% kos sara hidup, 20% pelaburan, 10% dana kecemasan, 15% perlindungan. Bajet untuk ajar pendapatan kita ke mana dia patut pergi.
Piramid bertahan ratusan tahun atas satu sebab: ia dibina dari tapak yang lebar dan kukuh. Perlindungan dan dana kecemasan ialah tapak tu; pelaburan puncak di atasnya.
Bila ribut melanggar tapak yang kukuh, ia rosak tapi tak musnah. Membaiki jauh lebih mudah daripada membina semula rumah yang runtuh.
Berapa kita dah komit setiap bulan?
Isi tiga angka ni dan piramid di bawah akan banding dengan parasnya sendiri: kurang, cukup, atau lebih.
RM
Tiga perlindungan dicampur: kad perubatan, sakit kritikal, perlindungan nyawa.
RM
Yang masuk ke akaun kecemasan berasingan setiap bulan.
RM
Pelaburan bulanan untuk persaraan dan matlamat jangka panjang.
Tapak belum penuh, dan di situlah kita mula, bukan sebab untuk rasa ketinggalan: perlindungan dulu, kemudian dana kecemasan, kemudian pelaburan. Kecil tapi konsisten mengalahkan besar tapi terbengkalai.
Ujian ribut
Katakan simpanan kita RM50,000, sepuluh bulan income, dibina bertahun-tahun. Satu sakit kritikal, enam bulan tak boleh kerja: komitmen tetap keluar dari akaun, RM16,500 hilang sebelum satu bil rawatan pun, dan bil rawatan datang di atasnya. Simpanan macam tu boleh licin dalam tiga empat bulan.
Atau tapak dibina dulu: lebih kurang RM750 sebulan untuk tiga perlindungan takaful, dan ribut melanggar perlindungan, bukan simpanan. Komitmen terbayar, rawatan terbayar, dan RM50,000 kekal berdiri. Itulah seluruhnya dalam satu ribut: Wealth Planning = Income Planning.
Kos Sara Hidup Hari ini · Belanja Sewa atau ansuran rumah, makan, bil, sekolah anak dan minyak. Ini yang kena jalan dulu sebelum apa-apa yang lain.
55% = RM2,750 RM2,750Hari ini
Pelaburan Waktu Bersara · Bina Simpanan jangka panjang yang kita tak sentuh sampai 60, satu tabung untuk setiap matlamat. Inilah yang jadi income kita waktu bersara.
20% = RM1,000 RM0Kurang
Dana Kecemasan Bila income terganggu · Lindung Simpanan tunai yang senang cair, untuk bulan yang income kita terganggu.
10% = RM500 RM0Kurang
Perlindungan Semua waktu · Lindung dan Kekal Kad perubatan, sakit kritikal dan perlindungan nyawa. Inilah yang jaga tiga bahagian lain daripada dikorek. Dibahagi tiga, 5% setiap satu: kad perubatan, sakit kritikal, perlindungan nyawa. Lebih kurang RM250 setiap satu.
15% = RM750 RM0Kurang
Dibahagi tiga, 5% setiap satu: kad perubatan, sakit kritikal, perlindungan nyawa. Lebih kurang RM250 setiap satu.
Lindung dulu, baru bina. Sebab kalau tiada perlindungan, satu kejadian sahaja akan paksa kita korek apa yang dah kita bina.
Urutan
Kita isi satu tangkai dulu, bukan semua sekali.
Nabi Yusuf suruh simpan gandum dalam tangkai supaya tahan lama. Kita pun isi tangkai satu demi satu.
1
Tangkai Sakit
Kad perubatan dan perlindungan sakit kritikal. Ini yang jaga gaji dan simpanan bila badan berhenti kerja.
Ia pertama sebab satu kemasukan hospital boleh habiskan simpanan bertahun dalam beberapa minggu.
2
Tangkai Kecemasan
Dana 3 hingga 6 bulan, asing dan senang cair. Dibina serentak dengan yang pertama.
Ia serentak sebab bukan semua gangguan income datang dari sakit. Kereta rosak dan kerja hilang perlukan tunai, bukan sijil.
3
Tangkai Masa Depan
Simpanan jangka panjang yang tak disentuh, untuk anak dan untuk waktu bersara.
Ia ketiga sebab ia perlukan masa paling lama untuk membesar, jadi ia paling rugi kalau dikorek awal.
4
Tangkai Keluarga
Perlindungan nyawa dan hibah, supaya hutang rumah tak jadi beban keluarga.
Ia keempat untuk yang belum ada tanggungan. Kalau kita ada anak atau ada hutang rumah, ia naik jadi sama penting dengan yang pertama.
Naik ke tangkai seterusnya bila yang sebelum ni dah penuh. Simpan masa subur untuk masa kering.
Satu matlamat: income yang sama, setiap bulan, walau apa pun.
Matlamatnya mengekalkan income yang sama supaya gaya hidup kita dan keluarga kekal sama, sama ada kita bekerja, tak bekerja, sakit, atau dah tiada. Ia hanya mungkin bila kita pegang satu ayat: Wealth Planning = Income Planning. Gaya hidup tak pernah berubah. Yang bertukar hanya punca income.
Had semakan ini
Ini peta, bukan nasihat kewangan.
Nisbah yang dipakai di sini datang dari rangka kerja Raff sendiri, bukan dari mana-mana pihak berkuasa. Dua pertiga income untuk bersara, 12 hingga 24 bulan untuk sakit kritikal, 10 tahun untuk keluarga: semua tu titik permulaan yang Raff pilih supaya senang difahami.
Setiap angka ringgit di sini ialah lantai, bukan siling: paras paling minimum untuk kekalkan gaya hidup yang sama bila gaji berhenti. Baris paras minimum mengandaikan pulangan sifar dan sasaran tak mengira inflasi, jadi angka tu boleh disemak semula dengan kalkulator telefon. Baris 5% menunjukkan bagaimana pulangan meringankan beban, dan ia ilustrasi, bukan janji.
Kira-kira ni mengambil kira simpanan sedia ada dan pencen setakat yang diisi dalam dua ruangan tu sahaja. Tiada apa-apa lain diandaikan bagi pihak kita.
Kalau kita dah ada sijil takaful, kita semak dan susun semula sama-sama. Tak ada apa yang perlu diubah hari ni.
Tiada produk dicadangkan dalam semakan ni, dan tiada apa yang perlu dibeli untuk guna muka ni.
Nak tahu lapisan mana patut diisi dulu?
Hantar angka semakan tadi. Raff tengok mana satu paling perlu untuk kita, dan cakap terus kalau apa yang kita dah ada memang cukup.