① Your Timeline
184065
45Retirement Age70
66Life Expectancy100
Retire in
2056
30 yrs away
In Retirement
20
years to fund
② Your Investment Profile
1%7.5%15%
0%5%10%
Real Growth Rate
2.71%
Your actual gain after inflation
③ How Much Do You Need?
A
Use EPF's Recommended Figures
B
Based on My Monthly Lifestyle
Basic
RM 390,000
Minimum Adequate
Starts at RM 1,625/mo
Grows to RM 4,434/mo by year 20
Grows to RM 4,434/mo by year 20
EPF RECOMMENDED
Adequate
RM 650,000
Comfortable Retirement
Starts at RM 2,708/mo
Grows to RM 7,389/mo by year 20
Grows to RM 7,389/mo by year 20
Enhanced
RM 1,300,000
Premium Lifestyle
Starts at RM 5,417/mo
Grows to RM 14,779/mo by year 20
Grows to RM 14,779/mo by year 20
Source: EPF Retirement Advisory Service (RAS) 2024 · Figures based on EPF savings adequacy benchmarks
for retirement at age 55
④ Your Retirement Target Fund
EPF 2030 Base Figure
RM 650,000
Adequate Level · EPF 2030
🎯 What You Actually Need
—
Adjusted for inflation to your retirement
year
Source: EPF Retirement Advisory Service 2024 · Inflation: 5.15% p.a. · Adjusted over 26 years
⑤ How Can You Get There?
Invest a Lump Sum Today
—
at 8.0% p.a. for 30
years
Put in this amount once today and let it grow — no monthly contributions needed.
Invest a Fixed Monthly Amount
—
every month for 30 years at 8.0%
Starting from zero — this is the consistent monthly amount needed to hit your full
target.
⑥ What Will You Actually Invest?
RM
RM
/ mo
⑦ Your Retirement Projection
Your Projected Fund
—
at retirement
Target Needed
—
your goal
GAP
—
difference
Total Contributed
—
your money in
Investment Growth
—
money made for you
How far along are you toward —?
—
⑧ What If You Start Later?
⏱ Every Year of Delay Costs You
* All projections and illustrations are hypothetical and for educational purposes only. Past performance is not an indication of future performance. Investment involves risk.
* This tool does not constitute financial advice. Please consult your Unit Trust Consultant.