Investing for Retirees in Malaysia - Unconventional Investment Ideas

[@KCLauMoney]

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[@tengwong9062]

Thanks for the sharing. Im in my early 40s. Plan to retire in 10years time. Major take away from this video are dont be too conservative and keep investing for long term to avoid inflation erodes my saving. Had an idea to utilize my credit card to "buy times" for any emergency case in future. Would love spending my time travel around the world with the potential passive income generated in my dividend laying stocks....Now im more confident to towards retirement. Thanks again.

[@KCLauMoney]

I am glad that this is helpful

[@erictai1537]

Hi Mr Lau, I learned a lot of practical ideas from you even though I am a Financial Planner. Earlier I worked in a Bank but not using the theory of FP to really plan for people. Now I am a Estate Planner n will start to apply my financial planning tools for my clients. What u do is very honourable and good as most people lacks Financial knowledge. A big salute to you. I pray that God blesses you all the way.

[@KCLauMoney]

Great job! I am glad to have you here too. Your line of works can help a lot of people you touch.

[@jeepmohd6248]

Dear KC: Great sharing experience & tips along with the sprinkles of piano interjection.....pretty cool presentation....Thank you & Cheers!

[@KCLauMoney]

My pleasure! Thanks for checking this out.

[@choongseeyoong6731]

Just retired at 60! Much timely food for thought gathered from this video. Have always wondered why even the loan officer advised me not to pay off my housing mortgage....now I get it! Thanks!

[@KCLauMoney]

Glad it was helpful!

[@waichinyang8286]

Another comprehensive video that I regret not having watched much earlier, especially with regards to paying off housing loan vs taking the moratorium.

[@KCLauMoney]

Thanks for checking this out!

[@JC-pu6io]

I am 32, planning to retire before 40. Learned that I shouldn’t be too conservative in managing my capital after retire. This learning will help me to achieve retirement even earlier than what I’ve planned.

[@KCLauMoney]

Wish you a smooth journey

[@lihualoong6573]

my planned retirement age is 57. I learnt something new from you today. That's is, there is no rush to pay off mortgage.

[@KCLauMoney]

You are right!

[@edlinaazmeer7749]

I plan to stop active work by age 45. I'm 39 this year. The best advice I learn is to have the 2-3 years of defensive fund for expenses. It saves me from having to worry about where I will get my money from for all my daily and monthly expenses. Thanks for the sharing. ☺️

[@KCLauMoney]

Great job!

[@hkgoh8617]

Great video. Practicing all that have been taught.

[@kelvintan3322]

There is no retirement age. Just reduce the load of working. Just slowIng down but not Stopping. Keep fit and your engine Running.

[@KCLauMoney]

Absolutely agreed with you - keep the engine running!

[@freakymeltdown1]

I totally concur with you. Good riddance with employee mindset 🙏🏽 🤣

[@nienhealian68]

Very useful information for me. It is so interesting especially with piano play in.

[@KCLauMoney]

I am glad that it is helpful to you.

[@cherylwang2994]

Love your piano playing. Plan to fully retire by 55 yrs old. Defense fund of 1-2 years expenses.

[@KCLauMoney]

Excellent!

[@petersavarimuthu427]

Informative and useful tips on investment options of retired funds. I have just retired at 65 and looking at various options.Additional information on the choices of investment will be helpful.

[@KCLauMoney]

Glad it was helpful!

[@sheelaharikrishnan755]

Plan to retire at 60...learnt of the need to have liquidity and at the same time educate yourself on how to choose wisely on what gives you best returns .. thank you for the tips

[@KCLauMoney]

Your kind words warmed my heart.

[@cheekinchan7597]

I'm 55 and retired. Sensible advice. Will need to review this video again. Good job. BTW, I'm from your mutual enemy school. ;) Not sure if they still are after over 30 years now. :)

[@KCLauMoney]

Glad it was helpful! I am wondering what is the school you referred to?

[@cheekinchan7597]

@@KCLauMoney Ibrahim vs Sin Min

[@SaadonAksah]

Nice! Thanks for breaking it down 👍

[@KCLauMoney]

You are welcome

[@heehow9664]

Thanks for the great sharing as always! I plan to retire by 55 and one good point learned is better to get fund managers who charge performance-based fees.

[@KCLauMoney]

Exactly!

[@damoderammakali6279]

Very useful tips. I will always remember this.

[@KCLauMoney]

Glad to hear that

[@zulazlihashim]

Retired soon inOct 2021 at 55 Years; good advice on investing in equity rather than keep in fixed income instruments

[@KCLauMoney]

Well said.

[@justinnys]

Nice jazz progression (and money tips of course)! :)

[@KCLauMoney]

Thanks for tuning in :)

[@m51chong68]

There is no end goal...bro You can b sucesd but not successful Why upload these when you r so successful 🤣🤣🤣

[@caseywong903]

1. KC - you look amazing at your age (you should do some video on this topic - you may get even more followers!) 2. Shouldn’t retirement be just a state of mind? I am 55 and intends to work (whether that be active employment or running an own gig) as long as health and situation allows and slow or stop when that no longer is feasible (that could be tomorrow or 10 years from now)

[@KCLauMoney]

1. I wish I could stay fit as long as possible. Yet, 岁越不留人 2. Absolutely agree with you. I would love to work as long as I can too!

[@sakunnaidu5817]

Hi..i plan to retire at the age of 67 another 20 years to go. Being a proud single mom of 2 children 💪 , i learned alot alot from KC , how to manage and navigate my money. executing one by one whatever i learned. ..tq vm KC 🙏

[@KCLauMoney]

Your kind words warmed my heart.

[@mikecham2459]

I'm going to retire soon at 55 years old. Where can I find fund managers who charge performance-based fees and what is the minimum AUM? Very much interested in it. Thanks again for sharing

[@KCLauMoney]

Hi Mike, my friend Peter Lim charges only performance fee. You don't pay him until he makes at 6% for you for the year, every year. The minimum to start is currently US$100k. Submit a support ticket on my website and I will connect you with him: KCLau.com/support/

[@weilenggoh7292]

Tq for the tips on the defence and offence fund. I am same age as you and I plan to retire at the age of 55.

[@KCLauMoney]

You can do it!

[@jeantiandy]

I planned to retire at 55, but somehow forced to retire at 51 as early retirement due to company situation. I like to listen to your tips and advice. Basically, i guess i am on right track, Your video kind of a refresher for me at this moment. Of course, I would like to understand more through your new book. Thanks.

[@KCLauMoney]

Thanks for checking this out.

[@1mklee]

Me plan to retire tomorrow....means I can tender my resignation any time or work until my company retirement age at 60. I value yr KZbin content on liquidity i.e. Flexible Housing Loan, Credit Cards mainly on using other people money ... I will also like other people time on investing in equity and Rental Income and REITs....thanks for sharing yr generous and practical knowledge.

[@KCLauMoney]

I am so thankful for what you did.

[@kemalathanagalingam8268]

Loved your concepts - particularly on having an emergency fund of 2 to 3 years and to replenish your defence fund from time to time. The other point which made a lot of sense was on the fact that it is not a good idea to utilize our EPF to settle our housing loan. Thank You.

[@KCLauMoney]

Glad that you got something out of this video.

[@Jeffreyckcheah]

Hi KC, what do you mean when you said return rates drop when we use smaller loans? 11:30

[@KCLauMoney]

Because of the leverage effect. You see, the property churn out return: capital gain and rental yield. If you use more of your money, less of loan, it means higher capital for the same kind of return. So the smaller loan actually reduce your return.

[@ckmak333]

I hope to retire age 55-60. But I hope to continue doing things that engage your mind and body, so that you don't deteriorate into a cucumber. Thank you for the tips.

[@KCLauMoney]

You can do it!

[@tanchoonkah6439]

Your advice has triggered me to restructure my profolio. I am now age 74.,just stop my engineering firm 3 years ago. Then active in stock trading.(not so good). So I think of investing in F&B.. Lately I met a friend of my son who owns 4 cafe and wants to expand some more. I share some of my idea in F&B and he agreed, ie healthy foods, nor meat meal, Indonesia foods which are still new in market. He buys my idea and we decide to work together.. THE ROI is around 2 to 2.5 years. We will raise fund through investors to speed up the expension programme Mr Lau What is your comment.

[@KCLauMoney]

Wish you great success in your venture.

[@Deniselee29]

I’m 29 and plan to retire by 40. Always wondered what is the best capital preservation after retirement and thought of having 2 buckets, half in fixed income and half in equities. Planning to live off the interest from fixed income but still investing the other half aggressively in equities like I’m currently doing.

[@KCLauMoney]

You have a plan.

[@cherylwee8626]

Enjoy and learned alot from your content. Very informative and it helps me to plan ahead my financial journey. Thanks for the sharing.

[@KCLauMoney]

Great to hear!

[@jjjchin]

Thank for your video. You mentioned selling properties which have low rental yield (RY). How do I calculate RY?

[@KCLauMoney]

The simple way to find the gross rental yield: rental yield = total rental receive over 12 months divided by the property market price. e.g. market price = RM500k, rental received full year RM20k, the gross rental yield = 20/500 = 4%

[@lutfilaminsuhaimi319]

Thanks for sharing

[@KCLauMoney]

Thanks for the first comment here.

[@marialee1163]

There is no retirement age for me as long as I can still continue to serve my clients in a financial services industry.. what I learnt from this video:- why pay off the mortgage loan during retirements years when the Housing Loan interest rate is so low? Use an investment vehicle that can generate better returns than HL rates which can provide me a fixed income/monthly cash flow that will enable me to pay off my monthly housing loans instalment..

[@KCLauMoney]

That's right! I agreed.

[@KCLauMoney]

Hi Maria, congratulations that you are the winner of my Money Smart book contest. Please submit a ticket to my support team at KCLau.com/support - provide the following info: Mobile Phone and Shipping address.

[@marialee1163]

Thank you very much KC

[@insomniamode6176]

EPF gives average 5% dividend every year till age 100. Just draw the dividend every year. Much better than Fixed Deposit 2.4% 12m. I'm 47 planning to retire at age 65. Working shorter hours of course at retirement age. Sometimes a job can keep us alert fit and healthy whereas sedentary lifestyle shorten our lifespan.

[@KCLauMoney]

You will be working for fun then. Good plan

[@Leon-ms4fc]

I'm 27 and planning to retire at 55 or earlier. At the moment I'm having investment in stocks, looking forward to invest in properties in the next 3-5 years. Target is to get around 8k per month from dividends or rental yields to support my retirement. New idea from the video: probably i should buy your book from shopee. 😂

[@KCLauMoney]

You will reach your goals soon!

[@keke8322]

A new idea learnt is performance based fees

[@KCLauMoney]

Thanks for your feedback.

[@waichinyang8286]

Me too

[@manabu6688]

I have no idea what age to retire, one thing is nothing to do, second is tbh even 1m asset I also doubt I can achieve...

[@poonmunleng4358]

Important to keep invested even in our retirement years else we will outlive our nest egg due to inflation

[@KCLauMoney]

You are right!

[@rafidahdeven258]

Age 46, plan to retire at age 55

[@KCLauMoney]

Coming soon.

[@yoongsinglow1559]

Nice sharing! I worked as an engineer, and planned to retire at age 55 to 60 years old. The part I like most from this video is not to use EPF to settle housing loan, as the housing loan has lower interest than EPF for the past many years.

[@KCLauMoney]

Very cool!

[@Dapig-d6q]

My grandpa give my father 30 house ..6 land and 5 shop after pased away in 1963

[@KCLauMoney]

I guess you are going to get some of those too?

[@Dapig-d6q]

@@KCLauMoney few rental sharing with another sibling

[@minma02262]

KC looks like 30 plus.

[@KCLauMoney]

Haha. Thanks! I wish to

[@leesoonyeow7595]

Annoying piano playing, made me stop watching

[@KCLauMoney]

So sorry that it annoys you.