FINANCIAL CALCULATORS RETIREMENT PLANNING

Retirement Calculator.

Plan with clarity. Make decisions with confidence.

RETIREMENT CALCULATOR

Your retirement, step by step.

STAGE 01 · RETIREMENT GOAL

Discover Your Retirement Number

Current age 目前年龄Retirement age 退休年龄Monthly lifestyle expenses today (RM) 今日每月生活费Annual inflation (%) 每年通胀假设Expected lifespan (age) 预计寿命年龄Annual return during retirement (%) 退休期间预计投资回报（非保证）

Basic retirement expenses at today’s purchasing power / 以今天购买力估算的基本退休支出—

Estimated monthly expenses at retirement / 退休时每月开销—

Total future retirement spending (inflation-adjusted) / 退休期间预计总支出（含通胀）—

YOUR RETIREMENT TARGET / 退休当天需要准备的资金—Investment-adjusted · 已考虑退休期间投资回报

Retirement years = lifespan − retirement age. Expenses rise with inflation both before and during retirement. The required fund at retirement discounts each future year’s spending using your assumed retirement investment return. Year-end withdrawals are assumed; no tax, fees or volatility are modeled. Returns are not guaranteed. / 退休年数＝预计寿命－退休年龄。退休前后均计入通胀；退休时所需资金按退休期间假设投资回报，将每年的未来开销折算至退休当天。假设每年年底提款，未计税费及市场波动，回报不保证。

STAGE 02 · FINANCIAL POSITION

Are You on Track for Retirement?

Project your savings from today's value to your retirement age, then compare with your goal.

Current retirement savings (RM) 目前退休储蓄，包括拟用于退休的 EPFMonthly additional savings (RM) 每月新增储蓄Estimated annual growth (%) 预计年增长率（非保证）

Projected fund at retirement / 预计退休资金—

YOUR RETIREMENT FUNDING GAP / 你的退休资金差距—

Future value includes compounded current savings and end-of-month contributions; excludes fees, taxes and withdrawals. The return assumption is not guaranteed. / 未来价值包含现有储蓄复利及每月底投入，不含费用、税务与提款；增长率不保证。

STAGE 03 · ACTION PLAN

Build Your Retirement Plan

Discover your risk profile, set an expected return and see the investment commitment required to close your gap.

1. If your investment falls 15% in a year, what would you do?如果投资一年内下跌 15%，你会怎么做？ Sell to avoid further losses / 卖出以减少损失 Hold and review / 继续持有并检视 Consider investing more / 考虑加码

2. Which outcome matters most to you?你最重视哪种投资结果？ Capital stability / 本金稳定 Balance between stability and growth / 稳定与增长兼顾 Higher growth despite volatility / 接受波动争取增长

3. How long can you leave this investment untouched?这笔资金可以多久不动用？ Less than 3 years / 少于三年 3–7 years / 三至七年 More than 7 years / 超过七年

PRELIMINARY RISK PROFILE / 初步风险偏好

Conservative · 保守型

This three-question tool is educational, not a full suitability assessment. Your ability to bear losses, retirement timeline, liquidity needs and product terms must also be assessed. No product or return is guaranteed. / 三题仅供初步认识，不构成完整风险适配评估或个人投资建议。

YOUR ACTION PLAN · 你的投资行动计划

Choose an assumed annual investment return. This is a planning assumption, not a guaranteed result. / 选择预期年回报率，仅用于规划，不代表保证回报。

Expected annual investment return (%) 退休前新投资的预期年回报

ANNUAL COMMITMENT / 每年需要投入—At the end of each year · 每年年底投入

MONTHLY COMMITMENT / 每月需要投入—At the end of each month · 每月月底投入

Annual and monthly amounts are alternative options, not combined commitments. The inflation assumption is already reflected in the retirement funding target. / 每年及每月金额是二选一，通胀已计入退休目标，不重复计算。

WHAT'S NEXT

Turn the numbers into a plan.

Your retirement goal, savings gap and risk preferences are a starting point. A thoughtful plan also considers protection, liquidity and changing life priorities.

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