planning.my

𝗔𝗿𝗲 𝗬𝗼𝘂 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗬𝗼𝘂𝗿 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝘄𝗶𝘁𝗵 𝘁𝗵𝗲 𝗪𝗿𝗼𝗻𝗴 𝗡𝘂𝗺𝗯𝗲𝗿𝘀?
Here’s a common oversight in retirement planning: basing your plan on average life expectancy at birth instead of the far more realistic 𝗹𝗶𝗳𝗲 𝗲𝘅𝗽𝗲𝗰𝘁𝗮𝗻𝗰𝘆 𝗮𝘁 𝗮𝗴𝗲 𝟲𝟬.

Let me explain.

In Malaysia:
Average Life Expectancy 𝗮𝘁 𝗯𝗶𝗿𝘁𝗵 is 75.2 years.

But if you’ve already made it to 60, your life expectancy increases to 𝟳𝟴.𝟲 years for men and 𝟴𝟭.𝟰 years for women.

𝗪𝗵𝘆 𝘁𝗵𝗲 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲?
Life expectancy at birth accounts for childhood and early-life risks, like illnesses and accidents that drag the average down. But once you've reached 60, those risks no longer apply, so the numbers shift.

𝗪𝗵𝗮𝘁 𝗱𝗼𝗲𝘀 𝘁𝗵𝗶𝘀 𝗺𝗲𝗮𝗻 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻?
If you’re planning for just 15 years after retirement, you could find yourself outliving your savings by a decade—or more. That’s time you don’t want to spend worrying about rising healthcare costs, inflation, or unexpected expenses.

𝗧𝗵𝗲 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻 𝗶𝘀 𝘀𝗶𝗺𝗽𝗹𝗲: 𝗨𝘀𝗲 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝗻𝘂𝗺𝗯𝗲𝗿𝘀.
Plan based on 𝗹𝗶𝗳𝗲 𝗲𝘅𝗽𝗲𝗰𝘁𝗮𝗻𝗰𝘆 𝗮𝘁 𝟲𝟬, not the average life expectancy at birth that underestimate your future.

A secure retirement is built on accurate assumptions. What's the life expectancy you use when planning for your retirement?