Скачать или смотреть 96% of Malaysians Can't Afford to Retire (It's a Serious Issue)

Does this mean we have to work longer in order to keep up with the rising cost of living? 🟠 𝗚𝗲𝘁 𝘂𝗽 𝘁𝗼 𝟱% 𝘄𝗶𝘁𝗵 𝗠𝗼𝗼𝗺𝗼𝗼 𝗠𝗬 (𝗗𝗲𝗽𝗼𝘀𝗶𝘁 𝘄𝗶𝘁𝗵 𝗰𝗼𝗱𝗲 "𝗭𝗜𝗘𝗧𝟭𝟭")➡️ https://start.moomoo.com/02C7qx

🟠 𝗚𝗲𝘁 𝘂𝗽 𝘁𝗼 𝟱% 𝘄𝗶𝘁𝗵 𝗠𝗼𝗼𝗺𝗼𝗼 𝗠𝗬 (𝗗𝗲𝗽𝗼𝘀𝗶𝘁 𝘄𝗶𝘁𝗵 𝗰𝗼𝗱𝗲 "𝗭𝗜𝗘𝗧𝟭𝟭") ➡️ https://start.moomoo.com/02C7qx

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⬇️ Timestamps:
0:00 → Introduction
0:23 → Can Malaysians Afford to Retire?
1:53 → Moomoo Malaysia
3:07 → Should Malaysia Raise the Retirement Age?
4:44 → EPF Early Withdrawal During Covid Lockdown
6:24 → High Cost of Living
8:17 → Consumer Spending Behaviour
10:06 → What Can You Do?
12:06 → Part of a Bigger Problem

Can Malaysians truly afford to retire? Despite an official retirement age of 60 and a life expectancy of 75.2 years, majority of Malaysians lack sufficient savings for post-retirement life. Official figures show that only 36% of active EPF members meet even basic savings targets, and a shocking 81% of contributors won't have enough to live above the poverty line, risking running out of savings 19 years before the inevitable. This issue is compounded by global trends of increasing retirement ages due to longer lifespans and declining birth rates, placing immense pressure on both individual savings and national pension funds.

This video thoroughly explores the reasons behind this crisis, beginning with the detrimental impact of four rounds of EPF early withdrawals during the COVID-19 pandemic, which saw 8.1 million Malaysians collectively withdrawing RM145 billion. It also highlights the disconnect between official inflation rates and the actual cost of living, particularly for essentials like food, which has far outpaced wage growth, leaving many with insufficient residual income for savings.

Furthermore, modern consumer spending behaviors, influenced by social media and "Buy Now Pay Later" schemes, contribute significantly to the inability to save for retirement. Ultimately, it offers actionable strategies - knowing your retirement financial target, increasing your income potential, and investing in assets - to empower individuals to take control of their retirement future, while also touching upon the broader societal challenges faced by Malaysian senior citizens.

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Malaysia retirement crisis 2025
EPF savings
Malaysian retirement age debate
Cost of retirement Malaysia
Aging population
Financial literacy
Malaysia EPF early withdrawal
Inflation and retirement savings
Malaysian consumer spending habits
Retirement planning
Senior citizen welfare
Malaysia Financial independence
Malaysian pension system
Retirement income strategies
Sustainable retirement
Malaysian financial health
KWSP retirement savings
Retirement solutions
Malaysia's demographic timebomb
Future of retirement Malaysia

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Disclaimer: All views expressed in this video are the independent opinions of Ziet, which are not necessarily shared by Futu Malaysia Sdn. Bhd. (“Moomoo MY”). No content shall be considered financial advice or recommendation. Moomoo MY links are included in this post, through which referrals are made and Ziet may receive certain commissions. Please contact Moomoo MY for more information.