{"id":18177,"date":"2022-07-24T12:40:00","date_gmt":"2022-07-24T04:40:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/retirement-tips.html"},"modified":"2026-03-26T15:59:36","modified_gmt":"2026-03-26T07:59:36","slug":"retirement-tips","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/money-tips\/retirement-tips.html","title":{"rendered":"How Much Do You Need To Retire + Tips To Boost Your Retirement Saving"},"content":{"rendered":"<p><\/p>\n<!--more--><p class=\"wp-block-paragraph\">In this time of uncertainty, how much do you need to retire comfortably? With Malaysia\u2019s current economic situation, most of us can\u2019t say for sure when we will ever retire as no matter how much we save, it never seems to be enough. Fret not, CompareHero to the rescue! Let\u2019s figure it out together.<\/p>\n<p> <\/p>\n<p class=\"wp-block-paragraph\">In 2018, <a href=\"https:\/\/www.kwsp.gov.my\/en\/web\/guest\/w\/epf-sets-new-target-of-rm240-000-for-basic-savings\"><strong>Employee Provident Fund (EPF) <\/strong><\/a><strong>suggested Malaysians have a minimum retirement savings of RM240,000 by the time they retire at the age of 55 <\/strong>to manage their daily expenses.&nbsp;<\/p>\n<p> <\/p>\n<p class=\"wp-block-paragraph\">Here are <strong>two main problems<\/strong> with the suggested amount:&nbsp;<\/p>\n<p> <\/p>\n<ul class=\"wp-block-list\">\n<li>Due to a low salary and duration of work, most <strong>Malaysians are not able to save that much<\/strong> by the time they retire at the age of 55.<\/li>\n<li><strong>How do you budget your monthly expenses with the suggested amount <\/strong>of RM240,000? Nobody knows for sure how long they\u2019re going to live\u2026. Let\u2019s say you\u2019re blessed to live till the age of 80. Here\u2019s a simple calculation of how much you can spend per month:<\/li>\n<\/ul>\n<p> <\/p>\n<figure><img data-recalc-dims=\"1\" height=\"409\" width=\"640\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/calculation_article-08-08-1024x654.png?resize=640%2C409&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/figure>\n<p> <\/p>\n<p class=\"wp-block-paragraph\" id=\"h-can-you-live-on-rm800-per-month-for-the-remaining-25-years-of-your-life\"><strong>Can you live on RM800 per month, for the remaining 25 years of your life?<\/strong><\/p>\n<p> <\/p>\n<p class=\"wp-block-paragraph\">If it seems impossible to you, it&#8217;s not too late to do something about it. <strong>Here are some tips to maximize your retirement savings<\/strong>.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\" id=\"h-start-now\"><strong>Start now!<\/strong><\/h2>\n<p> <\/p>\n<figure><img data-recalc-dims=\"1\" height=\"336\" width=\"640\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/FI_retirement-06-1024x537.png?resize=640%2C336&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/figure>\n<p> <\/p>\n<p class=\"wp-block-paragraph\">Here\u2019s the thing about saving: no matter what your reasons are &#8211; retirement or emergency, the earlier you start, the better. Learn from our fellow Malaysians&#8217; retirement experience, <a href=\"https:\/\/www.comparehero.my\/retirement\/articles\/malaysians-you-can-do-better-retirement\">here<\/a>.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\" id=\"h-know-your-retirement-needs\"><strong>Know your retirement needs<\/strong><\/h2>\n<p> <\/p>\n<figure><img data-recalc-dims=\"1\" height=\"336\" width=\"640\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/FI_retirement-07-1024x537.png?resize=640%2C336&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/figure>\n<p> <\/p>\n<p class=\"wp-block-paragraph\">Will you still be in debt when you retire? Is there a mortgage or car loan that will go past your desired retirement age? If that\u2019s the case, you need to work out a budget for it. Try to take your retirement plan into consideration whenever you decide to take on new debt moving forward.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\" id=\"h-find-opportunities-with-good-retirement-benefits\"><strong>Find opportunities with good retirement benefits<\/strong><\/h2>\n<p> <\/p>\n<figure><img data-recalc-dims=\"1\" height=\"459\" width=\"640\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/retirement-03-03-1024x735.png?resize=640%2C459&#038;ssl=1\" alt=\"\" loading=\"lazy\"><\/figure>\n<p> <\/p>\n<p class=\"wp-block-paragraph\">The next time you\u2019re looking out for a better opportunity, make sure to factor in retirement benefits. Certain companies in Malaysia offer to contribute more than the EPF statutory rate as one of the perks to attract and retain talent.<\/p>\n<p> <\/p>\n<p class=\"wp-block-paragraph\">Related: <a href=\"https:\/\/www.kwsp.gov.my\/member\/contribution\/contributing-more-than-the-statutory-rate\">Can companies contribute EPF at a higher rate?&nbsp;<\/a><\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\" id=\"h-diversify-your-income\"><strong>Diversify your income<\/strong><\/h2>\n<p> <\/p>\n<figure><img data-recalc-dims=\"1\" height=\"336\" width=\"640\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/retirement-04-1-1024x537.png?resize=640%2C336&#038;ssl=1\" alt=\"tips to maximize retirement savings\" loading=\"lazy\"><\/figure>\n<p> <\/p>\n<p class=\"wp-block-paragraph\">If you only have one source of income, it might take some time to achieve your retirement savings goal. Try to find anything of your interest that can generate passive income to boost your retirement savings.<\/p>\n<p> <\/p>\n<h2 class=\"wp-block-heading\" id=\"h-save-consistently\"><strong>Save consistently<\/strong><\/h2>\n<p> <\/p>\n<figure><img data-recalc-dims=\"1\" height=\"336\" width=\"640\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/retirement-05-1024x537.png?resize=640%2C336&#038;ssl=1\" alt=\"retire- save consistently\" loading=\"lazy\"><\/figure>\n<p> <\/p>\n<p class=\"wp-block-paragraph\">This is the hardest part, right? Staying consistent and disciplined with your savings! One of the best ways to stay consistent is by setting a realistic goal for you to achieve and refrain from withdrawing your retirement savings no matter what. Worse comes to worst, access your emergency funds if needed.&nbsp;<\/p>\n<p> <\/p>\n<p class=\"wp-block-paragraph\">We hope you benefit from this article and start planning your retirement as early as possible!&nbsp;<\/p>\n<p><\/p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":268230141,"featured_media":1301,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[425],"tags":[],"class_list":["post-18177","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-tips"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Much Do You Need To Retire + Tips To Boost Your Retirement Saving - CompareHero<\/title>\n<meta name=\"description\" content=\"It seems like no matter how much we save, it never seems enough to retire comfortably. 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It is the first and easiest step towards building your wealth before going into other personal finance components that are more complex such as investing, property (asset) management and building your own business (income). 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However, it seems that we are still not shaken by the fact that the majority of Malaysians are not financially prepared to\u2026","rel":"","context":"In &quot;Lifestyle Finance&quot;","block_context":{"text":"Lifestyle Finance","link":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/10\/image-3.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/10\/image-3.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/10\/image-3.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/10\/image-3.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":18447,"url":"https:\/\/www.comparehero.my\/blog\/government-policy\/pmx-malaysians-will-struggle-during-retirement-with-early-epf-withdrawals.html","url_meta":{"origin":18177,"position":2},"title":"PMX: Malaysians Will Struggle During Retirement With Early EPF Withdrawals","author":"CompareHero","date":"5 March 2025","format":false,"excerpt":"(Image: Bernama) Prime Minister Datuk Seri Anwar Ibrahim, during the Minister\u2019s Question Time at the Dewan Rakyat sitting yesterday, warned that allowing too much flexibility in withdrawing Employees\u2019 Provident Fund (EPF) savings before retirement could lead to financial problems later in life. He said early withdrawals would leave people with\u2026","rel":"","context":"In &quot;Government Policy&quot;","block_context":{"text":"Government Policy","link":"https:\/\/www.comparehero.my\/blog\/government-policy"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/datuk-seri-anwar-ibrahim.webp?fit=1200%2C797&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/datuk-seri-anwar-ibrahim.webp?fit=1200%2C797&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/datuk-seri-anwar-ibrahim.webp?fit=1200%2C797&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/datuk-seri-anwar-ibrahim.webp?fit=1200%2C797&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/datuk-seri-anwar-ibrahim.webp?fit=1200%2C797&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":17847,"url":"https:\/\/www.comparehero.my\/blog\/investments\/private-retirement-scheme.html","url_meta":{"origin":18177,"position":3},"title":"A Guide To The Private Retirement Scheme (PRS)","author":"CompareHero","date":"9 November 2021","format":false,"excerpt":"A financially-secure retirement doesn\u2019t just happen. It takes a whole lot of planning and commitment and, obviously, money. Regardless of your age, planning for retirement is a significant part of your financial journey. True enough, for most of us, retirement is the main reason why we start saving in the\u2026","rel":"","context":"In &quot;Investments&quot;","block_context":{"text":"Investments","link":"https:\/\/www.comparehero.my\/blog\/investments"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/what-is-private-retirement-scheme.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/what-is-private-retirement-scheme.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/what-is-private-retirement-scheme.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/what-is-private-retirement-scheme.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/what-is-private-retirement-scheme.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18076,"url":"https:\/\/www.comparehero.my\/blog\/finance-explained\/epf-msians-will-need-rm1-million-for-retirement.html","url_meta":{"origin":18177,"position":4},"title":"EPF: M\u2019sians Will Need RM1 Million For Retirement","author":"CompareHero","date":"27 September 2022","format":false,"excerpt":"Looking to retire for the next 20 to 30 years? News flash, you\u2019ll need at least RM900,000 to RM1 Million before you could do it!\u00a0 The Star reported, Employees Provident Fund\u2019s (EPF) Chief Strategy Officer Nurhisham Hussein told that this would be the \u201cbare minimum\u201d after factoring in inflation and\u2026","rel":"","context":"In &quot;Finance Explained&quot;","block_context":{"text":"Finance Explained","link":"https:\/\/www.comparehero.my\/blog\/finance-explained"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_epf1mil-01.png?fit=1201%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_epf1mil-01.png?fit=1201%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_epf1mil-01.png?fit=1201%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_epf1mil-01.png?fit=1201%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_epf1mil-01.png?fit=1201%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18707,"url":"https:\/\/www.comparehero.my\/blog\/finance-explained\/what-is-epf-voluntary-contribution-and-how-does-it-work.html","url_meta":{"origin":18177,"position":5},"title":"What is EPF Voluntary Contribution and How Does it Work?","author":"CompareHero","date":"16 January 2024","format":false,"excerpt":"The Malaysian Employee Provident Fund (EPF) was established in 1951 as a compulsory savings plan for retirement, especially for employees in the private sector. 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