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Posts Tagged ‘Fixed Deposits’

Retirement planning: Plan your retirement for income through mutual fund investment.

Posted on the July 18th, 2009 under Investment, Savings, Retirement by

Retirement Fund

Retirement Fund

Most of the people I have met have not planned for their retirement as they say future is unpredictable and we need to live in present but my dear friend’s future is the outcome of present, our present will decide our future. When we think of retirement we generally think of old age, a period when you have to give up the job and sit at home doing nothing. Contrary to the fact, most of the retiree lives a very active life. We need to seriously consider out planning towards retirement because once we retiree our income stops coming but our expenses remain as it is and in some cases it rises with the rising inflation. In this regard mutual fund has turned out to be the right answer for making retirement planning easier and safer. Mutual fund being managed by professionals is a key to effective retirement planning.

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Malaysia’s Real Rate of Savings/Return

Posted on the March 16th, 2009 under Investment, Savings, Retirement by

( Malaysia's FD versus Inflation Rate

( Malaysia's FD versus Inflation Rate

Chart is really useful, in terms of comparison and presentation of numbers. From the chart of Malaysia’s fixed deposit rates (for 1-month and 12-month) versus inflation rate (or CPI, i.e. consumer price index), there are some critical findings to be shared below:


    2008 was the historical worst year in the past 30 years, that we actually lost all our savings, as the inflation rate is higher than our fixed deposits. The loss is 1.7% when the 12-month FD rate was 3.7% and the inflation rate was 5.4%.


    In year 1998, the FD rates of 1-month & 12-month and inflation rate were quite close, we still had a return of 0.4% when we compared 12-month FD rate with inflation rate.


    We still had good return in year 1988, when the 12-month FD rate was 4.3% and the inflation rate was only 2.5%.

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Introduction to Index Fund

Posted on the January 22nd, 2009 under Investment, Savings, Retirement by

An index fund is a mutual fund that buys securities that represent some index. As an example, if we were to take the S and P500 index, an index fund that was representing that index would buy those 500 securities in the same relative weighting as the index has those securities. It’s really just implementing that index with real stocks.

Watch this video for some understanding:

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Financial Management During Economy Downturn

Posted on the November 16th, 2008 under Investment, Savings, Retirement by


There have been alarming concern about the global economy downturn recently, in addition, the political unstability in Malaysia has also arisen uncertainty in our employment market, money market, share market, inflation, consumer index, consumer spending power/attitude etc. How shall we react on this crisis, or proact on the potential or opportunities?

We have come up some ideas below and hope these ideas could give all of us the directions. But we must take postive actions on these suggestions and ideas, instead of knowing or sitting on these ideas. There are only 4 ideas for easy understanding and actions.

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