未来现金流蓝图 · 储蓄 · 退休 · 教育金

01

人生目标Life goal

这笔钱要解决什么What is this money for

先锁主目标。公式与建议结构会跟着变。 Pick the primary goal. Maths and structure follow.

称呼Name

现龄Current age

目标退休年龄Target retire age

现年收入Annual income now

RM

退休后期望月支出（今天币值）Desired monthly spend in retirement (today’s RM)

大约数即可；系统会按通胀推到退休年Approx. is fine; we inflate it to retirement year

RM

孩子现龄Child’s age now

目标入学年龄Target start age

大学常见 18–19Uni often 18–19

目标教育金（今天币值）Education target (today’s RM)

本地公立约 5–10 万；私立/海外更高Local public ~50–100k; private/overseas higher

RM

02

现有资产盘点What you already have

先算已有，再补缺口Count what exists, then fill the gap 客制化关键Key

有就勾、有数字就填。系统只补缺口，避免叠买。 Tick what you have. We only fill gaps — no stacking.

EPF / KWSPEPF / KWSP

目前余额（约数即可）Current balance (approx.)

Account 1+2 合计Account 1+2 combined

RM

现金 / 定存 / ASBCash / FD / ASB

可拨给此目标的部分Portion earmarked for this goal

RM

已有储蓄 / 退休保单Existing savings / retirement policy

到期利益或现有现金价值Maturity benefit or cash value

RM

其他投资（可选）Other investments (optional)

股票、基金等粗估Stocks, funds — rough estimate

RM

马来西亚现实：多数人只靠 EPF，退休后替代率往往不到现收入的一半。缺口不是吓你，是把数字摊开。 Malaysia reality: EPF alone often replaces under half of current income. The gap is clarity, not fear.

03

时间 · 假设 · 贡献Time · assumptions · contribution

通胀会吃掉「今天的够」Inflation eats “enough today”

选一档假设，再填每月「一定存得住」的数——不是理想数。 Pick an assumption set, then enter what you can truly save each month — not the ideal number.

每月已在存 / 能存住Monthly you already save / can keep saving

含银行自动转账、ASB、现有保单保费等Includes standing orders, ASB, existing premiums

RM

04

结构选择Structure

要强制，还是要弹性Discipline vs flexibility

不是比谁回报高——是这笔钱能不能被动用、到点能不能拿到。 Not about the highest return — about whether the money gets spent early, and whether it arrives on time.

强制储蓄Forced savings

定期定额，到期拿一笔 · 适合教育金 / 购房Regular premiums, lump sum at maturity · education / house

退休现金流Retirement cashflow

退休后分期领 · 怕活太久钱不够Drawdown / income after retirement · longevity risk

保障 + 储蓄Protection + savings

储蓄期间顺带身故/伤残保障Savings with death / TPD cover along the way

弹性投连Flexible ILP

愿承受波动，追求更高潜在回报Accept volatility for higher potential return

银行灵活但容易被动用；储蓄保换的是纪律与用途锁定——不是保证更高回报。提前提取 / 断缴通常会伤本金，报价时会摊开说明。 Banks are flexible but easy to raid. Savings policies buy discipline and purpose-lock — not a promised higher return. Early surrender / lapses usually hurt capital; we’ll show that at quotation.

05

预算与取舍Budget & trade-offs

额外月供愿意加多少Extra monthly premium you can add

这是「新增」部分；第 3 步已填的现有储蓄另算。拖动时缺口会跟着变。 This is the new add-on; step 3 already counts current savings. Gap updates as you drag.

新增月保费预算New monthly premium budget

RM 400

RM100RM500RM1000RM2000

若医药 / 危疾还没齐，建议先看保障蓝图，再把预算全砸进储蓄。 If medical / CI is still thin, start with the protection blueprint before pouring budget into savings.

◎

决策校准Decision check

四个问题，把意愿与结构对齐Four questions to align will with structure

1. 退休后想维持现收入的几成？（教育金可跳过）1. What % of today’s income do you want in retirement? (skip if education)

常见目标 60–70%。越高，缺口越大。Common target 60–70%. Higher = larger gap.

2. 最怕哪一件先发生？2. What worries you most?

3. 这笔钱能不能中途动用？3. Can this money be touched early?

4. 保障（医药 / 危疾）目前怎样？4. How is protection (medical / CI) today?

未来现金流蓝图建议书Future Cashflow Blueprint

未来现金流蓝图Future Cashflow Blueprint

你现在的现金流缺口Your cashflow gap

这笔钱要解决什么What is this money for

先算已有，再补缺口Count what exists, then fill the gap 客制化关键Key

通胀会吃掉「今天的够」Inflation eats “enough today”

要强制，还是要弹性Discipline vs flexibility

额外月供愿意加多少Extra monthly premium you can add

四个问题，把意愿与结构对齐Four questions to align will with structure

对照报价时看这些格子Use these fields at quotation

把蓝图变成正式报价Turn the blueprint into a quotation