{"id":36348,"date":"2018-11-21T11:03:25","date_gmt":"2018-11-21T03:03:25","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=36348"},"modified":"2025-04-11T15:24:22","modified_gmt":"2025-04-11T07:24:22","slug":"retirement-children-education-saving","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/retirement-children-education-saving","title":{"rendered":"2018 Is Coming To A Close, So How Much Did You Save This Year?"},"content":{"rendered":"

\"\"<\/a><\/p>\n

It\u2019s that time of the year when holidays beckon and festive season sales entice.<\/p>\n

If you are like many Malaysians today, vacations and bargain buys are what you will be spending your spare cash on as the year draws to a close.<\/p>\n

According to a consumer confidence survey<\/a> in the second quarter of 2018 by global data analytics company, Nielsen, 43% of Malaysians chose to spend their spare cash on holidays and vacations while another 33% splurged on new clothes.<\/p>\n

While there is nothing wrong with treating yourself to a well-deserved holiday or celebrating with friends and family, rewarding yourself and your loved ones should also not derail your long-term financial goals.<\/p>\n

Saving money for retirement<\/a> or putting money aside for your child\u2019s education<\/a> might seem distant or intimidating right now, especially if you haven\u2019t made any plans.<\/p>\n

However, delaying this important life decision can have long-term consequences.<\/p>\n

<\/span>Majority of Malaysians don\u2019t have enough savings<\/strong><\/span><\/h2>\n

A survey<\/a> conducted by the Employee Provident Fund (EPF) Social in August this year revealed that only 18% of those surveyed managed to achieve the minimum savings target.<\/p>\n

In addition, the survey highlighted that more than half of the Malaysian adult population is not covered by any retirement or pension system, which poses great challenges to the nation\u2019s welfare system in its quest to meet individuals\u2019 financial needs for retirement.<\/p>\n

According to EPF, even those who are covered by social protection programmes have inadequate savings as currently only one out of three active EPF members can meet the threshold amount equivalent to a minimum pension of RM1,000 per month to support their minimum retirement needs.<\/a><\/p>\n

For those gainfully employed at present with 20 to 30 years of working life ahead, chances are you are thinking of the next overseas vacation or perhaps eyeing a new gadget to purchase in the year-end sales, instead of thinking about putting aside money for retirement or your child\u2019s education<\/a>.<\/p>\n

\"Start<\/a><\/p>\n

The problem is that if you do not start to put aside money for savings, even a smaller goal of putting aside several hundred Ringgit a month to pay off debts or save for a rainy day will seem unattainable.<\/p>\n

This is certainly true of Malaysian millennials with 75% of them reported to have at least one source of long-term debt, according to an earlier study<\/a> of financial know-how of this age group by the Asia Institute of Finance.<\/p>\n

\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t
% of millennials<\/th>Sources of debt<\/th>\n<\/tr>\n<\/thead>\n
56%<\/td>Hire purchase \/ car loan<\/td>\n<\/tr>\n
47%<\/td>Credit card<\/td>\n<\/tr>\n
40%<\/td>Education loan<\/td>\n<\/tr>\n
38%<\/td>Personal loan<\/td>\n<\/tr>\n
28%<\/td>Mortgage (e.g.: house land)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nSource: Finance Matters: Understanding Gen Y<\/a><\/h6>\n

Furthermore, 38% of them also reported taking personal loans, while 47% are engaged in expensive credit card borrowings. The study also shows that while millennials know about savings habits they may not currently have the necessary knowledge to manage it effectively.<\/p>\n

In fact less than 40% of those surveyed turned to their banks and financial advisors for financial information and advice; this shows in their investment choices with 40% admitting they put aside less than 10% of their monthly income towards investments.
\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t
% of monthly income<\/th>Investments by millennial<\/th>\n<\/tr>\n<\/thead>\n
Less than 10%<\/td>40%<\/td>\n<\/tr>\n
10 \u2013 19%<\/td>35%<\/td>\n<\/tr>\n
20 \u2013 29%<\/td>20%<\/td>\n<\/tr>\n
30% or more<\/td>3%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nSource: Finance Matters: Understanding Gen Y<\/a><\/p>\n

<\/span>Start with RM500 and you will be amazed how much you can save<\/strong><\/span><\/h2>\n

It may seem impossible to put aside money regularly if you are in this situation; yet there is no better time than now to start saving something small that makes the goal realistic.<\/p>\n

The attitude of putting off saving money for more short-term gratification can have dire long-term consequences.<\/p>\n

OCBC Life Goal\u2019s data reveal that when it comes to retirement savings<\/a> and children\u2019s education funds<\/a>, over 60% of respondents reported a shortfall in funds required to achieve their goals.<\/p>\n

\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
Saving for retirement<\/center><\/th>\n<\/tr>\n<\/thead>\n
Current age<\/td>% with shortfall<\/td>\n<\/tr>\n
< 20<\/td>1%<\/td>\n<\/tr>\n
20 \u2013 29 yrs<\/td>14%<\/td>\n<\/tr>\n
30 \u2013 39 yrs<\/td>14%<\/td>\n<\/tr>\n
40 \u2013 49 yrs<\/td>15%<\/td>\n<\/tr>\n
50 \u2013 59 yrs<\/td>15%<\/td>\n<\/tr>\n
60 yrs and above<\/td>5%<\/td>\n<\/tr>\n
Total<\/td>63%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nSource: OCBC Life Goals, OCBC Bank (Malaysia) Berhad<\/h6>\n

When it comes to saving for children’s education<\/a>, out of 94% who do plan for their children’s education, 62% reported facing a shortfall in savings despite starting to plan since their child reach 7 years old.<\/p>\n

Meanwhile,\u00a0the survey also revealed that\u00a0the percentage of parents who plan for their children’s education<\/a> decreased with each additional child they had. While 72% made plans when they had their first child, only 17% did the same by the time they had their second child.<\/p>\n

\n\n\n\n\t\n\n\t\n\t\n\t\n\t
Saving for children\u2019s education<\/center><\/th>\n<\/tr>\n<\/thead>\n
Stage of education planning<\/td>Percentage of parents planning for their children\u2019s education stage<\/td>% with shortfall in preparation<\/td>\n<\/tr>\n
Secondary education<\/td>6%<\/td>56%<\/td>\n<\/tr>\n
University education<\/td>94%<\/td>62%<\/td>\n<\/tr>\n
Total<\/td>100%<\/td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nSource: OCBC Life Goals, OCBC Bank (Malaysia) Berhad<\/h6>\n
\n\n\n\n\t\n\n\t\n\t\n\t\n\t
Planning for child #<\/th>%<\/th>\n<\/tr>\n<\/thead>\n
1st child<\/td>72%<\/td>\n<\/tr>\n
2nd child<\/td>17%<\/td>\n<\/tr>\n
3rd child<\/td>8%<\/td>\n<\/tr>\n
4th child<\/td>3%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nSource: OCBC Life Goals, OCBC Bank (Malaysia) Berhad<\/h6>\n

Clearly, both data from the OCBC Bank and external studies show that, in general, Malaysians are falling behind when it comes to attaining their financial goals.<\/p>\n

If your savings are falling behind, now is the time to catch up.\u00a0 Gaining control of your debts like paying off higher interest loans and then moving on to those with lower interest to free up fund for investment savings is the first step.<\/p>\n

Although it seems expenses just accumulate as the years go on, it is crucial to continue saving the amount that will get you to your desired goal.<\/p>\n

If retirement is decades away, tackling more immediate money matters like credit card debt, mortgages and student loans might take priority but making the effort to set aside RM500 a month is a task we can all accomplish. There is no better time to take charge of this goal than the present.<\/p>\n

According to a 2015 Bank Negara Malaysia survey<\/a>, Malaysians are not in proper control of their own financial decisions and well-being. While one in three Malaysians is worried about his or her retirement, only one in four possesses any form of investment.<\/p>\n

So, making it a point to set aside this amount regularly is the first move toward gaining a sense of achievement. Alongside this, the compounding effect will make a big difference over time, so it is important to start early.<\/p>\n

Was saving for your children\u2019s education<\/a> or retirement<\/a> a 2018 New Year\u2019s resolution?<\/p>\n

As the year draws to a close, why not tick those boxes in your checklist by making an appointment with your nearest OCBC Bank representative to find out how to get a head start on your own life goals with just RM500.<\/p>\n","protected":false},"excerpt":{"rendered":"

Find out how saving RM500 a month can help you reach your financial goals<\/p>\n","protected":false},"author":35,"featured_media":36349,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,240,308,236],"tags":[208],"class_list":["post-36348","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-retirement-planning","category-saving-tips","category-sponsored","tag-featured"],"acf":[],"yoast_head":"\nThe Most Common Mistake Malaysians Make When Saving Money<\/title>\n<meta name=\"description\" content=\"If you have been falling behind in your savings, here\u2019s how you can catch up with just RM500 a month.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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