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Posts Tagged ‘inflation’

Easy Personal Finance: 5 Yes! And 4 No!

Posted on the December 23rd, 2009 under Book,Investment, Savings, Retirement,Software by

YES! Invest your money on different financial products, stocks, bonds etc. It is important to make your savings grow along time in order to beat inflation and let your money work for you rather than you working for your money.

NO! Do not let your money stand still because currency loses value with time and thus, the same amount that would let your purchase a yacht today will not serve the same purpose in the future. Inflation may not be that high but if you let the money stand still it can lose half of its value in as little as ten years due to inflation.

Recommended Magazine: SmartMoney

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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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Personal Investment Method

Posted on the July 7th, 2008 under Investment, Savings, Retirement by

How to make our money work harder?

The answer is: Investment.

Personal Investment Method How to start?

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