Include current EPF, savings, investments (excluding house)
Additional retirement savings beyond EPF
Conservative: 4-6%, Moderate: 6-8%, Aggressive: 8-10%
Malaysia average: 2-4%
Target monthly income in today's purchasing power
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EPF is mandatory for employees. Employee contributes 11% (9% after 55, 8% after 60), employer contributes 12-13%. Minimum withdrawal age is 55.
EPF alone may not be sufficient. Consider Private Retirement Schemes (PRS), unit trusts, stocks, property investment, or business ownership.
Medical costs increase with age. Consider medical insurance, critical illness coverage, and long-term care insurance as part of retirement planning.