16/04/2017
Life Planner 人生规划
Everyone will be serious and positive thinking about this problem. After all, the success or failure of life depends on this plan. To achieve our goals, we must build through an organizational process, integrating personal thought and goals. We often think we can control life, but is that really the case?
That is not the case, we are working hard every day to improve and adjust our lives in order to achieve our goals. How to plan life? Please refer to
Life planning is a dynamic process, but also full of unpredictable variables. When you are at the crossroads, it is difficult to make a clear choice of life. Life insurance plays an important role in the face of unexpected unfortunate events.
The main purpose of insurance is to protect you and your finances when you have an unfortunate accident. There is a wide variety of insurance, but the most important thing is life insurance. If you are unfortunate enough, it can give your family financial assistance.
In the rapid development of Malaysia, we face the ever-changing things. Goods, public transport, utilities, industry, automobile, education, and health care costs continue to rise. This is all the financial burden we have to face. Even if you are away, you will need to keep your family home and help your family cope with immediate expenses, protect your old parents, or provide your spouse and child protection.
Do you know exactly how much protection you need? The security you need will depend on your lifestyle, your financial needs, your source of income, your debts, and your dependency. Insurance is an important part of financial planning, but you must measure your personal risk and your long-term burden.
Each person's situation is different, can not be based on a specific formula to achieve success. Here are some practical rules to help us measure personal progress, although not guaranteed success, but let us take the right direction.
How much debt do you have?
Theoretically, zero debt is the best answer, but you will find and agree that certain assets you have to borrow, such as buying a house. Experts generally agree that your monthly payments should not exceed 30% of your total revenue. This will be a good idea, if you can pay off the debt in the short term, your financial will be able to maintain sound.
How much do you want to buy?
Calculate your debt to income ratio [fixed expenses ÷ monthly gross income], using 30% for your monthly debt guide. Deduct other debt, your remaining payment is most suitable. Buying a house can not exceed 2 times a half or 3 times of your annual income.
For example, if your annual income is RM10,000, you should not buy more than 250,000 to RM300,000.
How much do you save?
You must save at least 10% of your income, assuming your savings are for retirement purposes. This 10% deposit can also cope with unpredictable expenses. Those who have just started can save at least 10% of their savings because there is still a long time to save, and if you are close to retirement age, your savings target must be increased to 20% to 30%.
How many emergency funds do you need?
Emergency funds are used to pay for emergencies such as sudden loss of income or other financial crises. Experts advise you that if you have a monthly burden of RM500, you will need to store between 3 and 6 times the emergency fund.
How much do you need to retire?
If a person needs 75% to 80% of pre-retirement income to sustain life, if he earns $ 100,000 a year before his retirement, he will earn at least RM75,000 for his annual retirement.
To answer these questions, the insurance policy will be based on individual needs to achieve financial goals. The wake of financial planning will guide a person to successfully realize his dream, and insurance can meet these dreams
人生规划~每一个人都会认真并积极思考这个问题。毕竟，人生的成败都靠这项规划。要达成目标， 我们必须通过组织性的过程，综合个人深思及目标设立。我们常常认为我们能够掌控人生，可是事实真是如此吗？
事实并非如此，我们每天都在努力改善及调整生活以期达至我们所立下的目标。如何规划人生呢？请参考图表1：人生规划的过程。
人生规划是一项动态过程，也充满难以预料的变数。当您在十字路口时，对人生做出明确的抉择是很困难的。当面对意想不到的不幸事件时，人寿保险扮演着重要的角色。
保险的主旨是当您发生不幸事故时，保障您和您的财务。保险种类繁多，不过最重要的是寿险。若不幸身故，它能给于家人财务援助。
身在快速发展的马来西亚，我们面对不断改变的事物。货品、公共交通费、水电费、产业、汽车、教育，及保健费不断的上涨。这都是我们必须面对的种种财务负担。即使您不在时，也需保全您的家庭，协助家人应付眼前的开销，保障年迈的父母或提供您的配偶和孩子保障。
您明确地知道您需要多少保障吗？您所需要的保障将根据您的生活方式、财务需求、收入来源，债务和依赖您的人数而定。保险是财务规划的重要部分， 不过您必须衡量您的个人风险和您的长期负担。
每个人的状况都不同，不能依据一个特定方程式达至成功。这里有一些实用法则可协助我们衡量个人进展，虽然不能担保成功，但是能让我们走对方向。
您该承担多少的债务?
理论上， 零债务是最好的答桉，不过您会发现及同意某些资产您必需借贷，如购买房屋。专家们普遍认同您的按月付款不应超过您总收入的30%。这会是个好的观点，若您能在短期内缴清债务，您的财务将能保持稳健。
您该买多少钱的房屋?
计算您的债务与收入比率【固定开销÷每月总收入】，运用30%为您的按月债务指南。扣除其他的债务，您的剩余付款最为适合。购买房屋不可超过您按年收入的2倍半或3倍。
例如：若您按年收入是10万令吉，您不该买超过25万至30万令吉的房屋。
您该储蓄多少?
您必需储蓄至少您收入的10%，假设您的储蓄用于退休用途。这10%的存款也可应付无法预测的开销。刚开始工作的人士可存至少10%的储蓄因为还有比较长的时间储蓄，而若您靠近退休年龄，您的储蓄目标必须提高到20%至30%。
您需要多少的紧急基金?
紧急基金用于支付紧急状况如突然失去收入或其他的财务危机。专家建议若您按月负担 是2500令吉，您需要储存介于3至6倍的紧急基金。
在退休时，您需要多少钱?
假如一个人需要75% 至80% 的退休前收入来维持生活，若他在退休前每年赚10万令吉，那他每年退休时预测所需的收入就是至少7万5000令吉。
解答这些的问题，保险保单将根据个人的需求达至财务目标。财务规划的醒觉将引导一个人成功地实现他的梦想，而保险可以满足这些梦想。
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