This is How Much You Need to Save for Retirement in Malaysia!

[@MrMoneyTV]

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[@frankchong5585]

Perhaps you can create another video guide on how to derive the monthly expenses cost. A lot of people just simply give an estimation, ie in this case your staff quoting but it maybe too much for her at her age but maybe too little for a family of X members in urbans

[@RayTong-vw4oh]

Hi, is the calculator still available to download? unable to obtain it after subcribing.

[@GhanYt]

It really made no sense to me when he said ''It doesn't matter whether I'm right or wrong, whether the market goes up and down. I'm good regardless''. People are really losing a sh*t ton of money out here. I personally have been buying stocks since the beginning of the year and yet nothing's changed, but I've been reading articles of people still in the same market pulling off over 350k in just a couple months. Its tough out here!

[@bahijarhafiri]

Sure. ROCH DUNGCA-SCHREIBER* a well-known person in her field, is my advisor. I got to know her through my wife. It's my wife that has her number, but you could further investigate her credentials and contact her yourself.

[@bahijarhafiri]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon

[@FatimaHassan773]

Saya sangat gembira saya membuat keputusan yang produktif tentang kewangan saya yang mengubah hidup saya selama-lamanya. Saya seorang ibu tunggal yang tinggal di Melaka Malaysia, membeli rumah kedua saya pada bulan September dan berharap untuk bersara tahun depan pada usia 40 tahun jika keadaan berjalan lancar untuk saya.

[@FatimaHassan773]

Maaf kerana lambat membalas, saya menggunakan pergerakan FIRE untuk mengatur kewangan saya. Kemudian melabur dalam saham, mata wang kripto dan hartanah melalui bantuan Pro pelaburan yang membantu saya.

[@AwangBujang997]

​@@FatimaHassan773Cryptocurrency membawa revolusi berbeza dalam ekonomi dunia tahun baru ini, tetapi di sini di Malaysia mata wang kripto tidak begitu popular, seperti AS dan tempat lain, orang yang pelabur yakin memperoleh pendapatan secara konsisten, yang lain hanya akan duduk dan menonton.

[@FatimaHassan773]

@Emilydaniel0.

[@JamesSalas-il8rrw]

This is the kind of info we don't get from most KZbinrs here. I will get in touch with her right away, I'm really impressed. Seeing alot of Successful stories like this, you must be honest and trustworthy to get such positive review.

[@AyselMehmet]

​@@JamesSalas-il8rrwSaya juga terkejut nama ini disebut di sini, saya terjumpa testimoni salah seorang pelanggannya di berita Malaysia TV minggu lepas.

[@charleskaren3948]

If you wanna be successful, you most take responsibility for your emotions, not place the blame on others. In addition to make you feel more guilty about your faults, pointing the finger at others will only serve to increase your sense of personal accountability. There's always a risk in every investment, yet people still invest and succeed. You must look outward if you wanna be successful in life.

[@davidphilomena3093]

The stock market rally run is gone, but I'm not sure if equities will swiftly recover, keep falling, or fluctuate in a narrow range for a few weeks, or if things will quickly get worse. I'm under pressure to increase my $300k reserve.

[@gabrieljules2424]

​@patrickscott6100the market is profiting if you are using a good broker or account manager to help out with trades or provide signals

[@pierrelouis6841]

I agree with you! With her help, I diversified my 450k portfolio among different markets. During this bearish market period, I was able to produce a net profit of little over $1 million from high dividend yield stocks, ETFs and equity. However, the reality is that you cannot do it without a tried-and-true trading coach like Kimberly Kent

[@Welch-miranda]

​@sylvesterbetty4356 yeah she does and in my opinion, it's a huge one and chance for you to change your life with trading.. I just bought my dream Mercedes from last week's profit. All thanks to her expertise.

[@Welch-miranda]

Oh yeah She is always active on whats-app APK

[@craigrussell2045]

These are fantastic picks, I was really hopeful of my investments this year, but I followed some stock suggestions that didn't go so well, I've been studying the stock market and I realized some investors made millions from the recent recession and I was wondering if such success rate could be achieved in this present market. I'm open to ideas about investing for retirement.

[@Jennnparker]

Cryptocurrency crashed the last couple years, so it should be starting a new run to a new high.

[@RandyPelletier]

Retirement is all I was looking forward to after working all my life but as time passed, I noticed it was all fairytale because I wasn't able to save as much as I thought I could. I retired with a 7 figure well-diversified portfolio having exposure to different prolific investments mainly blue chip stocks, an allocation fund, S&P500 and coins. I'm forever grateful to Trisha Jean Webb my F.A...

[@craigrussell2045]

@@RandyPelletier Did a quick web search, she has a pretty decent bio, I wrote her and I'm waiting on her reply.

[@ckokloong]

My advice on saving enough on retirement. Get a good degree. Prepare to work oversea. Learn as much as you can and take risk in your career. At your mid 40s, there is a high chance you make a very decent wage. Buy small car, being 1 or 2 property for investment. Save some cash, maintain good health..... Secret tip, marry someone work in govt. When she retire, she get half her salary. If she leave before you, you take the retirement benefit (half her salary). Thats what my wife told me, not sure true or not....

[@lowkatherine]

Not everyone in government is pensionable, some chose EPF options,some on contract basis, some did not work to the required number of years to qualify

[@PassionPno]

You still stuck in 20 years ago? No more pension for those who work for the government.

[@nadinefred752]

If she leave before you, you will get pencen terbitan but it depends on her salary as well. If she is in grade 54 onwards you will get a quite sum of pension. Plus, you can’t get married with someone else or else they will retract the pension

[@ckokloong]

@@PassionPno My wife work teach primary school about 20 year already. She is Msia govt restart pencen plan recently. Not sure how true but worth kepoh

[@PassionPno]

@@ckokloong Huh? Not true. The government is out of money. They're literally cutting budget here and there.

[@nicod4]

@Peter, in summary for most Malaysians in general should have at least RM3million savings by retirement age 60 to live comfortably at RM5,000 pm taking into account of inflation all the way to age 80. Note: Savings includes various sources eg: EPF, savings account, investment, etc. The RM5,000 pm should exclude medical insurance as the large premium due to age would not not be justified anymore. Sadly, referring to the statistic released from EPF, not even 10% of contributors will ever make it to this retirement goal.

[@anthony.L]

Plus if Im not wrong, KWSP keep saying one needs to reach 1 million at retirement age to be able to have decent life… Total crap!

[@Noname-dr1jm]

New KWSP policy is discussed whether to give a mandatory per-month pencen scheme after retirement age...Does Mr Money have any comments regarding this policy?

[@yvvonelee5026]

What are you going to spend on with your 5K? Have abalone every diner or Alaskan crab every lunch or Macdonald every morning. If you don't take care of your health at an early age, by the time you are 60s, you will probably handling most of your money over to the doctors or nursery home. By then you will light breakfast, full lunch, light diner and definitely NO supper because your digestion is not that of a 18 years old that burn calories faster than you pee. 5K yup 100% CRAP!

[@nicod4]

@@yvvonelee5026 , I believe you have misunderstood the timeline. We are looking at approximately 25 years to retirement at age 60 (Most viewers here are 35 yrs old on average). Next we look at average life expectancy in Malaysia in view of available technological advances in healthcare and facilities over the next 45 years to age 80. Do take note that not everyone here are married or married with next gen children. Thus, RM5,000 , in the next 30 to 40 years taking into account of inflation is required to live comfortably. It's not only food and shelter that you need increases in price, what about insurance payment, outpatient medical needs & equipment, food supplements, travelling for leisure, maid/nursing services, home fixes & maintenance, car fixes & maintenance, etc.

[@abhalimmohamed4313]

My take is our spending during retirement. I have a friend who just have epf of RM200,000 when he retired at 55 in early 2000. Possibly with some adfitional saving. A few yrs ago, we met and he told me he has been stable since then as he manages his expenses well. All debts are paid off. No lavish lifestyle at all. Just be at home, no touring. Living with very basic lifestyle. Not looking forward to go for new purchases like car, bike, etc. His 2 children are on their own he said. Perhaps providing him and his wife off and on. Children have their own things to take care. Can't rely on them much he said. That's really true.

[@wmokk]

Subscribed, but no link provided to download the calculator.

[@MrMoneyTV]

Give us a LIKE if you want us to do a series with Jade on personal finance Q&A! 🔥

[@grasshoppergreen6517]

I can't open the calculator file, what the file a?

[@anthony.L]

A friend asking if Jade is single? 😅

[@cheethiamlim1403]

can i suggest to make a video to estimate the total cost for Kids to go university? Because not everyone will get into Gov University. Parents has to prepare for it.

[@junedshariff5639]

Subscribed. But didn't receive calculator link to download. I have sent email as well

[@leejinglim5893]

Same

[@ping6849]

same

[@ebcho1]

What about for Malaysians worked previously worked in Malaysia and had EPF account and now working in Singapore with a CPF account. Can the calculator still have other features/input to calculate for this type of Malaysian, thanks.

[@holypredator]

You must be an investment god to get a consistent 10% return for your entire life cause even those who worked in the financial/investment sector find it hard to get such a return. Many people tend to forget, that investment outside of FD has a risk of even losing your capital. Many people also tend to hide their losses and only focus on the times they made a return, hence thinking that they are making a good 5% yearly return but when factor in the years they made losses, their actual return could be worse than FD. Be realistic, 3% is what most people could get in ROI.

[@vigthegreat]

My only advice, aim to own 1 bitcoin, Luno is MSC approved. If you are more interested, Ethereum would be good. If you want to take a chance in life changing gains, Solana!

[@cheekl]

7k estimated monthly retirement expenses based on today's standard is consider very high. You shouldn't have to service loan or support child education after retired.

[@MrMoneyTV]

Each to their own, everyone has their retirement lifestyle that they aspire to. Anyway u can use the calculator to get the number u need :)

[@yuenglee6298]

For 2 person... That about right... With small car loan

[@tinainaz3830]

But our incomes will plateau at some point. Does this calculate assume that salary will continue to increase at the rate we put in, or is it more nuanced?

[@sujanelim7928]

Jade secretly asking for 10-20% pay raise hehe

[@ronn420]

Doable. Keep changing company

[@shauntmw]

Using the calculator, it assumes we all want to retire and spend ONLY on passive income. Assuming I have no plans for kids, and I am okay to slowly consume my savings until I die (ie. I have no need to keep a large sum of money when I die), could you improve the calculator to cater for it?

[@ikky_mkb]

I have downloaded the calculator and tried using it myself I realised that it's lacking a regular saving/investment section The investment section only assumes your current investment amount and does not reoccur monthly For people who invest a fixed amount regularly (be it into ETF or UT), the monthly investment/saving option can help them figure out the numbers clearly, would be nice if you also include this feature

[@StevenSmith-co5tz]

Another great video. Save, save, save. 🎉

[@MrLittlecat123]

Please, do be mindful with risk as well even with conservative investment. I put my saving in bond and.... I lose 1% since 2021... Ya... If I put in FD I still can get like 3 to 4 percent for each year.

[@anthony.L]

Everyone lost since end of 2021. Need to wait 2024 the end of the crisis. Sad tho… FD give 3-4% but inflation in Malaysia 3.3% in 2022 and now 3.4-3.6% so at the end u earn just 0.6-0.4%… Hopefully later your bonds will goes up lagi.

[@yuanyuan1202]

How to have 10% return on investment? What investment should we make?

[@anthony.L]

Stock market, solid companies with dividend, long term. Have to pick carefully and consistent investment. But it’s possible. I would rather put 8.5% which is safer.

[@holypredator]

@@anthony.L People tend to forget high risk = high return also means a high possibility of losing your capital. If you are unlucky or do not diligently monitor your investment, you might even lose a portion of your capital, let alone have any return at all. Mr Money should advise his fresh graduate not to be so naive, thinking that having a high return is as easy as just saying "Oh OK, I want 10% return then".

[@frankjr2793]

1 mil....I used to be naive. Now I'm in a mental hospital after knowing the real number

[@smlt5685]

Just curious, is there a reason why we need differentiate between pre and post retirement inflation? Wouldn't inflation be an external factor and not influenced by our personal circumstances?

[@avrilyap6507]

Inflation is influenced by our personal spending habits. If one likes to purchase imported stuff (for example), generally their inflation rate would be relatively higher if our RM weakens. If one just spends on more local goods, you can safely rely on our Malaysian inflation rate which is based on our CPI. Guess what Mr Money is implying is that usually post retirement, our inflation rate would be lower as we would be more frugal and would spend lesser on luxury items or imported items.

[@changwenhan123456789]

Actually Jade looks like Peter's daughter Sia XD

[@angchunhang5795]

If no one else has mentioned, may I suggest to tweak the calculation abit for the EPF contribution by employer. Once salary passed 5k iirc, employer is only required to contribute minimum 12% instead of 13%. *commented before finished the video

[@foodlicious-asmr3464]

Herbertan~~~🎉

[@irwinderkaur9930]

Hey! Subscribed but couldn’t access the retirement calculator:) was hoping to get some help? Thanks !:)

[@athleticos99]

i think u can add 1 more item Property on hand, etc, yr dad inherit u a 5m bangalow then put, how much it value after retirement, and how much u can cash out by downsize it to an apartment then that is part of your investment perhaps

[@leekingkong2020]

Is the financial calculator still available for download? When I clicked on the link, it seems being removed.

[@dorayon97]

I would need someone like this in my life guiding me invest because my parents dint believe in invest😅😅 to make it worst i invest once and lost my money because i dont have enough knowledge that time

[@HotRod16]

Remember also to have a bit life. Life is short. Just have a balance life and sustainability. Lucky la, 24 is fetching 3.5k already. By the way, don't die first if no money. No cheap to die in Malaysia also.

[@msl1689]

But how do you get 10% return? The market has been so bad and unpredictable lately.

[@holypredator]

You must be very lucky and always diligently monitoring your investment because getting a constant 10% return for 35 to 40 years is something not many people can do. A lot may have gotten a 10% return for the first 5 years but when it stretches out longer, they could see their final average ROI to be less than 5% average. You should be laughing if you could even maintain 5% average for 20 years because some people ended up losing their capital let alone having any ROI. Remember, high risk = high return also means a high possibility of losing your capital.

[@karldini]

approx 4,500,000 to retire for 30 years 30 years is 1560 weeks 4,500,000 ÷ 1560 = $2884 RM per week where and how are you spending that much per week!?

[@athleticos99]

based on the calculation i need to work 13 yr more at age 58 and no savings needed, just mere epf, and lets my current investment dividen rolling

[@JoT-xo3gn]

how do retirees calculate if they have sufficient money to survive till old age

[@fixmaster6956]

There is think that bothered me though, if KWSP can give consistently 5%, then 2 million should be enough given that your current spending is 3500 and inflation rate is 3% Basically, u will receive 100k yearly, and if that divide by 12, you will get 8000 + per month, at that time buying power for 3500, will become around 6k given that inflation rate is 3% 3% is consider realistic based on past data.

[@dequadin18]

do check on Jade if she had started to invest in 1 month time...Hahahaha! I really enjoy your RP Calculator. Hope it is 90% accurate for me.

[@jasonxjia84]

May i know how to download the calculator?

[@kuancarroty1024]

Hi, this is the second time i try to download the calculator after 3 months. Please help so i can get the calculator.

[@RayMak]

Oh my

[@ericlai3221]

great info

[@kirubalan]

Hi Peter....is this projection is done assuming that we will withdraw the accumulated investment value money after we retire at the age of 60 on projected monthly basis based on the calculator and assuming we stop the investing post retirement...

[@MrMoneyTV]

It assumes u will take all ur money accumulated continuously invest while withdrawing regularly for retirement income. So u get investment returns with your balance after withdrawal

[@kirubalan]

@@MrMoneyTV any better alternate solution where you can leave the principal which it give you back the monthly projected return calculated yearly sum in interest......?

[@rohanmatmary2177]

Have you ever thought that you can start an investment brand. I am sure there are thousands of accountants. But if someone can teach the way you do, i am sure all these young people will invest with you

[@michaelchokhq]

Save and invest when you are young. Compounding interest is a magical formula.

[@Economicgrowth0]

Realistically, add the cost of building a family and raising a few children, then the age of retirement will be 90 years old instead.

[@anthony.L]

But building a family is made by 2 person. So can add x2 income and x2 investment! Maybe if she marry rich guy no need to work anymore 😅

[@senghl2203]

I think the calculator does not automatically factor in income tax?

[@bongsc5648]

Talk is easy! You still not entering the real jungle and how to become survivor. You may talk again after 25 years later.

[@drbilltay]

Increment 10% per year is not a realistic number. Even if you get it, maybe the first few years in your junior year. Even a 5% annually also not possible. Trust me :)

[@holypredator]

Mr Money trying to hint to his employees that he ain't going to give much increment. In reality, 10% is still possible during the initial years because the junior salary is low hence the 10% isn't much. Some retarded company gives 5% across all rankings hence making junior staff leave while some gave monetary amounts rather than percentages. Nevertheless, one thing is for sure, the higher your rank, the lower the increment percentage.

[@aliaschmalia]

I didn't get the link to download in the first newsletter :(

[@yongkheankhoon6710]

Was there a mistake when she put 7000 as monthly expenses for future expenses based on today's standard? That's why she lacked so much at the end.... Unless she intends to live a super condo with maids? I am curious

[@BZLentertainment]

Bro how to get RM3500 salary in Penang?

[@alanlts]

Work in MNC . Will get 3k

[@3mKay]

work in IT, my first job in 2018 is 3k, now after jump to a small MNC, is 5k without counting bonus and 13th month salary

[@reubenfrancis2550]

Why no advice to increase her EPF contribution? Extra 4% a mth will do wonders

[@athleticos99]

i spend 2k now, i cant imagine, with inflation, i probably need to spend 4500 a month, and i though probably 2500-3000 is enough, wow didnt realize inflation really eats up a junk of the investment

[@kuancarroty1024]

i subscribe but i cant download the calculator

[@maxtorsumitomo6249]

i registered and still cannot download your calculator? is this a trick?

[@justrk3980]

Meant for T20 not for B40 and M40

[@scpheng]

I can't subscribe thru website

[@leejinglim5893]

I have subscribe to your newsletter but still didn’t get the spreadsheet 😢

[@leejinglim5893]

Same

[@MiBuKy0ShiRo1]

Is there a column to put my monthly saving into this calculator ?

[@MrRadheesh17]

I not understand much..need to watch again..

[@cheongstanly1524]

What does it mean if my Saving needed per month has a negative in front -RM XXXXX

[@nikmanshah1]

I tried the calculator and it is missing an important calculation at the investment & savings section. There is no option to input our current regular monthly investment. To me this is useful so that we can see whether our current regular investment plan is ok or if we need to adjust it further.

[@anthony.L]

I think because regular monthly investment is hard to predict how much the value in 30 years (what will be the evolution of the market, how much dividend a company will give…)…

[@WenNuh2021]

Is it me or there's no video embedded to when peter say "you can check this video"?

[@limhansheng]

Wait u earn 3.5k and expect to spend 7k as of today amount?

[@TINGHAYDENMoe]

What about malaysia pension funds?

[@wendyshoowaiching4161]

Aiyah! Why make it so complicated. For standard retirement, you divide it into 3 standard area 1. Asia 2. US (Dollar) 3. Europe (£). 1. Asia US$750,000 (RM$3,502,500 × 2.5% Interest = RM$87,562.50 ÷ 12 = RM$7,296.88 per month 2. US US$1.5 M x 2.5% = US$37,500 ÷ 12 = US$3,125 per month 3. Europe £1.5 M x 2.5% = £37,500 ÷ 12 = £3,125 Per Month

[@leanne2330]

Why do people need to retire at 40?

[@shamymanavie5096]

When she expected annual income raise is 10-20%, I was like "sweet summer child"...lol

[@TheDavidLiou]

you will probably get 10-20% when you started out... 10% of RM3,000 is only RM300.

[@meganuke9091]

Bro some of the comment is promoting scam ,harap bro ambik tindakan terhadap scam sebegitu.

[@Cysecsg]

5% annual pay increment with 5% inflation. Hmm..

[@justinjustin1802]

After seeing those figures, many choose to exit their dream and enjoy life. Who knows going to dai tomorrow right and YOLO. Ps: what if you don't dai tomorrow haha😅

[@jeremytan1605]

4% on FD is on the high side

[@munirahhayatimuhtar7735]

Add in funeral cost and inflation, for gen Z to retire in another 30 years' time they would need rm3mil

[@frankchong5585]

Lol, that is the polite way to tell her, wake up...!! 10% increment? Be REALISTIC...!!! If you get 5% already super good

[@mrroundfrog]

My savings needed is negative. What did I do wrong lol?

[@alexsoo2390]

I think it means you have surplus and you are rich!!

[@anthony.L]

You have too much money. Give to me

[@poyot8643]

how much you need to save for your retirement in malaysia yeah u need 1 trilion malaysia ringgit to survive because malaysia can raise the price as they like , next year 1 ekor ayam can reach rm50 , then feb the price increase again and again until all rakyat die

[@swii3781]

umur 60 accident mati, lifeless for 60years

[@jackong2315]

haha life is short

[@fantasyunion]

Hidup ni kene ade perancangan. So bila tua kalo umur panjang tak menyusahkan orang

[@jamesmadison3108]

So mrmoneytv pays her 3500 ringgit??? That's just about 1k sgd.. she should just come Singapore to work and easily get $3000 to $4000 sgd.

[@anthony.L]

3-4k SGD is crap in singapore. Cost of life too high especially rent.

[@mon4621]

How much the rental and meals costs in Singapore?

[@anthony.L]

@@mon4621 I was there last week. My friend rent one room (shared condo with other people) SGD1500 = RM5000 not even in city center (but not far tho). Chicken rice in city center hawker stall: SGD6= RM20 (probably can find cheaper in other areas). Pint of Heineken SGD17.5 = RM60 Ride Grab in Malaysia RM15 = same distance in Singapore = RM45.

[@anthony.L]

@@mon4621 and in restaurant you must add additional taxes 18% and soon 19% (GST 8 soon 9 and service charge 10%)

[@jamesmadison3108]

@anthony.L oh sorry boss. I don't factor in rental cost. I am Singaporean, and most Malaysians that work in Singapore earns about maybe 2.5 to 4k. I don't need to pay rent as I just pay mortgage but it's not even $600 for one spouse. We earn median salary so household income is about 12k singapore dollars. We hire a maid to do our house work and cook. Groceries in sg is cheap. Not expensive. If I factor cost of living in sg vs Malaysia, I feel malaysia is way more expensive. If I don't do conversion, a 5k salary in Singapore vs 5k ringgit in Malaysia. Your meals can cost like 5 to 10 ringgit. Singapore economy rice is only $3 to$5. Even Macdonald meals cost like 12 ringgit whilst it's only 5 to 7 sgd So yea, life is okay here in sg.

[@sapaiyo9810]

Got cheated as even if you subscribed, you can't download the calculator.

[@DrRizuan]

Boss, she is giving you hint to give 10-20% increament 😅

[@annfaustina2061]

Omg I only save up rm100 per month 😅 not enough leh

[@PassionPno]

RM 100 is something you can burn in mere seconds. That’s far too low.

[@anthony.L]

Saving not the same as investing. What do you do with these monthly rm100? Buying stocks? ETF? Did you know you can increase your EPF contribution to lore than 11%? If you keep this money on your bank account, then you are loosing money because of the inflation. Rm1000 now is rm965 at the end of the year.

[@PassionPno]

@@anthony.L Trust me, people who save only RM 100 per month barely have any emergency funds. No point in investing because they might need instant access to the money during emergencies.

[@anthony.L]

@@PassionPno so the solution is: i crease your income: change job, try to learn new skills (evening class, free mooc online, etc… depends your sector) to be more valuable on the market… maybe change career. I hope you are young, good luck 😕

[@PassionPno]

@@anthony.L You're confusing me with OP. My finances are very good. I'm 29 and earn about RM 7k per month. I save and invest 75% of it. I have zero debts. I own my own house and car.

[@McDucknald]

There's so many assumptions 😞

[@titusphilip1310441]

Run to kampung if no enough savings.our past generation live without money for thousands of years.

[@rhuyisia8163]

Dulu lain, skarang lain!

[@dt_2]

I am afraid that those days are long gone.

[@sharonlee3574]

Bukankah nama Semenanjung Tanah Melayu adalah zaman silam Hang Tuah?? Sejak tahun 1957 negara Malaysia berbilang bangsa ikut perlembagaan., bukan negara untuk bangsa Melayu saja. Orang bukan Melayu bukan orang asinglah. Ada Mykad mereka orang Malaysialah, milik Malaysia. Tolak propoganda Tun M dan PN yang tidak bertanggung jawab dan tak bawa apa manfaat kepada orang Melayu dan Malaysia berbilang bangsa. Ingat Tun M ditolak di Langkawi. Nasib orang Melayu terjamin dalam perlembagaan and institusi raja. Kini pemimpin bawah Kerajaan Perpaduan diperkenaan Yang Di Pertuan Agong sah , mereka banyak orang Melayu. 22 tahun 22 bulan dibawah pimpinan Tun, apa Tun M buat untuk bangsa Melayu. Beri peluang kepada pimpinan Datuk Seri Anwar Ibrahim untuk selesai masalah orang Melayu dan masalah Kelantan, Terengganu, Kefah dan seluruh Malaysia. Beri undi besar kepada PH-BN menang besar dalam PRU 6 negeri.

[@FirdausAmir]

Wait 24 , salary 3500, epf 13K, hmm did I just watch video about myself 😂

[@nokia5779]

Pay her more so that she can invest more lah bos. 🤣

[@kelvinyong7761]

Too many assumptions bah

[@MrMoneyTV]

That’s why it’s called planning. 😅

[@anthony.L]

These final assumptions seem far more realistic than her first assumption of 1 million needed lol

[@lozhenhong6656]

10% 😂

[@dannyharridz]

🤣

[@anthony.L]

It's ok she is a girl she just have to marry a rich guy!

[@freakymeltdown1]

Jade is so funny. I love her expressions. Innocence at its best. 😂😂😂. God please protect her❤

[@philipchin3589]

you can not even tel wot may be like in 3y, how dhell could ya p lan ahead for 31years ...

[@lumpie808]

aikks... ur paid promotion on maybank sucks.. first place.. have u an account and used their platform ???? am really disappointed with your video,,,

[@anthony.L]

It’s not the promo that sucks, it’s Maybank! Just focus on the main topic of the video.

[@mindyx6867]

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