今天这篇很有诚意,可是需要一点耐性。稍微改了改昨天的假设，以方便计算:
你60岁要退休，预计退休后会活25年，平均每年要用RM40000。你的存款每个月在银行可赚取利息3.7%。那么从现在开始，25岁的你每年要存多少钱, 你的利息+存款才能让你在退休后有足够的生活费哩?!先算一算你在61岁那年要有多少存款，才能确保你将来无收入的25年:
where,PMT=RM40000
i=0.037(3.7%)
n=25 (61-85岁)
所以在61岁时，你需要存有RM669049.80。
所以你每年必须存
where, Saving on 61就是RM669049.80
i=0.037(3.7%)
n=31 (25-60岁)
PMT就是你每年要存的钱-RM11453.657
也就是每个月你要定期存入RM954.47。
这个算法很roughly,只供参考。
第一，它是假设你现在没有任何存款。
第二，银行利息不可能永远3.7%。
第三，这还没有算通货膨胀(inflation rate)。
如果要全部算下去，我想大家可以跟lulu一起去考试了~不过这是要告诉大家要存钱,计划未来啦!
头晕吗?看不懂吗?那么读下面这篇应该容易一点吧~~
从vialentino那里读到的故事，觉得蛮适合今天的话题，就copy过来，跟大家分享~
+The Ah Kau Story+
Ah Kau is a guy who sells newspaper every morning next toyour apartment, and you are one of his daily regularcustomers. Before dashing off to your office every day,you will go to his small stall and buy The Starnewspaper. Wearing a newly pressed shirt, a tie, and apair of Clarks shoes, you grab a copy of The Star, payRM1.20 and exchange smiles with Ah Kau and greet him."Apa macam Ah Kau ini hari? Bisnes ada baik?"
The normal greeting like you do every day. Yes, Ah Kaudoesn't speak English. He speaks Chinese and knows alittle bit of Malay. He speaks a little bit of Malay butwith a very thick Chinese accent.
"Biasa saja! ini bisnes aa, kadang kadang baik, kadangkadang tada untung."
"Biasalah hidup. Kadang kadang ok, kadang kadang takok." You give Ah Kau a pat on the back. You smile andwalk away and get into your car. You start the engine andstart driving to your office, a multinationalsemiconductor company located in a premier industrialarea. You are a young and promising finance executive andthe future looks bright for you.
A year goes by and things look pretty good on the track.You decide to marry your fiance and have your new wifemoves in to your place. Both of you feel happy becauseyou can save more money as the two of you will be sharingone apartment and can live as one.
Ah Kau is still selling the newspaper as usual. Sometimesin the morning your wife gets the newspaper from Ah Kauinstead of you.
A year later a child comes along, and you decide to buyand move into a newly developed condominium just acrossthe street. This place is bigger so it will be perfectlyfit for the 3 of you. But since both of you are working,you decide to get a maid to take of the household andyour kid.
By this time you're offered a managerial job fromanother multinational; the remuneration package offeredis much better in terms of the pay, contractual bonus,medical benefits, ESOS scheme and a few others which makeit impossible for you to decline. So you join thiscompany happily.
You get busier. You realize that you spend less and lesstime with your family. When your department is busypreparing for the next audit, your working hours becomemore and more ridiculous. Any internal issues arising inthe office means you'll be stuck in the office until 8or 9 pm. Sometimes, during the weekend, you'll spendyour time in your office, buried under paper works anddocumentation's, instead of taking your family for a walkin the park.
One morning, on your way to get your copy of The Star,you realized that Ah Kau is no longer in his stall. So ishis rundown motorbike. Instead, there's another youngChinese guy at the stall.
"What happen to Ah Kau?" You ask out of curiosity.
"Oh, he is still around, but he is no longer taking careof this stall as he has opened up a new grocery shop downtown. I am running this newspaper stall for him."
"Ok." you smile. You feel happy for Ah Kau. At lasthe manages to improve his life.
Your normal life continues. A year passes by and at theend of your company's fiscal year, you're rewarded foryour effort with a 5 months bonus pay-out by youremployer. Wow. Now that is a very handsome reward. Youfeel your effort has been equally compensated. Tocelebrate, you decide that it's time to trade your5-year old Proton Wira to the latest Honda Civic model.It won't be much a problem to you to get a loan schemefrom the bank as your pay slip will provide you an easygateway to access financial help from any bank.
One day, the hardest reality of life hits you right onthe face. The company that you've been working for yearsannounces that they're moving their business to Chinafor cost and competitive reason and has asked you to finda job somewhere else. "What?" You scream out cold. "Igot a lot of liabilities on the card! Who's gonna payfor my mortgage? My car? My credit card? My gym fees? Mybills?" You yell like there's no way out.
This is the first time you feel let down by your ownemployer. All your hard work seem to go up on the smoke.You feel sick. You now hate your company. On the wayhome, you stopped by at a mamak restaurant for a cup ofteh tarik while pondering about your future. Alone.
Suddenly you saw this new, shiny BMW 3 series beingparked nearby. And to your surprise, it was Ah Kau. Yes,Ah Kau who used to sell newspapers nearby your oldapartment. "What happened to old Ah Kau?" You whisperto your self.
Ah Kau still recognizes you, and sit next to you, andshared his story.
To make it short, Ah Kau had accumulated his money fromselling newspapers to open more stalls, one afteranother. Every new stall is run by his workers so that hefocused on opening more and more stalls, which in turngive him more and more money. Over the years, he hadaccumulated enough cash to open up new grocery storewhile at the same time buying more assets to grow hiswealth. And his current wealth and success is achievedwithout any loan or financial help from banks and otherfinancial institutions.
There you go. That's the story. While Ah Kau is set tobecome financially free, you're back to where you'restarted before. Ground zero.
Before leaving, Ah Kau gives you a familiar quote,
" Biasalah hidup. Kadang kadang ok, kadang kadang tak ok."He gives you a pat on the back and walks away.In reality, if you're observant enough, there are a lotof Ah Kaus out there, that you will see every day andevery where you go. The names are different, but insidethem is every character of Ah Kau. They might be UncleDorai, Ah Chong, Pak Abu, Makcik Gemuk, Pak Man nasilemak or others.
They look to be struggling on the surface, but if youlook carefully and compare with you life, many of themare living with little or no liabilities. They ride anold kapcai bike. They live in an old rundown house.They don't have credit card to swipe. They wear a10-year old shirt and short. No new, shiny ToyotaHarrier. In short, their living means are far below than yours. But what you don't realize is that many of themcan save more money than yours, and over the yearsgenerate enough money to expand their business, or investin properties. Their asset columns are much thicker thanthat of yours.
So the next time you see Ah Kaus, never look down onthem, and never under estimate them. Or else you're upfor a harsh reality lesson. 看了这个故事，lulu觉得在对自己wishlist里面那些DSLR,K800i,wacom,ManU jersey... ...这个那个... ...有的没的... ...很心虚... ... :P明天预告:有没有读那么多字读到很饿?! 明天去餐馆吃饭。
