Retirement Strategies

Designed to keep you financially independent long into your retirement years.

Planning for Retirement

Retire on Your Terms, Not Circumstances

For most Malaysians, the EPF will form the backbone of retirement savings. But EPF alone is rarely sufficient to maintain your current lifestyle through a retirement that could span 25 to 30 years. The gap between what you will accumulate and what you will need is the central challenge of retirement planning.

Our retirement advisory service begins with a thorough retirement income projection — calculating what you will need monthly in retirement, accounting for inflation, healthcare costs, and longevity risk. We then build a comprehensive strategy that combines EPF optimisation, voluntary private retirement scheme (PRS) contributions, supplementary investment income, and appropriate insurance coverage.

Whether you are 30 years from retirement or five, there are meaningful steps you can take today that will significantly change your financial position when you stop working.

Plan My Retirement
Retirement income planning trajectory
Key Elements

What Our Retirement Planning Covers

A thorough retirement plan addresses both accumulation and decumulation — building the pot and drawing it down wisely.

Retirement Income Projection

Calculating your target retirement income based on current lifestyle, expected inflation, and projected healthcare expenses over a 25–30 year horizon.

EPF Strategy Optimisation

Maximising your EPF accumulation through voluntary top-ups and understanding your Account 1 vs Account 2 allocation decisions strategically.

PRS Contributions

Establishing and optimising Private Retirement Scheme contributions to supplement EPF while benefiting from available tax relief incentives.

Annuity & Income Planning

Evaluating annuity products and regular income instruments to ensure a predictable, sustainable monthly income stream throughout retirement.

Healthcare Cost Planning

Accounting for rising medical costs and recommending appropriate medical and critical illness coverage to protect your retirement fund.

Legacy Planning

Structuring your assets and beneficiary nominations to ensure a smooth, efficient transfer of wealth to the people and causes that matter to you.

Questions

Retirement Planning FAQ

How much EPF savings do I actually need to retire comfortably?
The EPF's own research suggests that most Malaysians are significantly underprepared for retirement. A commonly cited rule of thumb is 25x your annual expenses at retirement — but given rising healthcare costs and longer lifespans, many financial planners recommend targeting closer to 30x. We will calculate your personal target based on your specific income needs and risk factors.
Is it too late to start planning if I'm in my 50s?
It is never too late to make meaningful improvements to your retirement outlook. Clients who come to us in their 50s often have the most significant assets to work with, and even a five-year optimisation period can substantially improve retirement income. The key is to act now rather than delaying further.
Should I withdraw my EPF at 55 or defer it?
This is one of the most consequential decisions in retirement planning and depends heavily on your personal financial position, other income sources, and health outlook. We will run detailed projections comparing the outcomes of different withdrawal strategies to help you make the decision that maximises your lifetime income.
How does PRS fit into a retirement plan?
The Private Retirement Scheme is a government-backed voluntary contribution programme that offers annual income tax relief of up to RM3,000. Beyond the tax benefit, PRS provides an additional disciplined savings vehicle with investment growth that is separate from your EPF account, adding diversification to your retirement income base.
What if I plan to continue working part-time after retirement?
Part-time or consulting income in retirement can dramatically extend the life of your savings. We factor in any anticipated post-retirement income as part of your overall strategy, and design a plan that uses active income efficiently while preserving your capital-based income streams for later years when working may no longer be possible.

The Best Time to Plan Is Now

Every year without a retirement plan is a year of lost compounding. Contact us to begin building yours today.

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