新闻报报看 | 如果想要在55岁安心退休，到底需要多少存款呢？公积金局之前给出的标准是，基本储蓄至少要有24万令吉。不过受通货膨胀影响，随着物价越来越高，从 2028年开始，基本储蓄至少要达到39万令吉才行。（主播：梁宝仪、罗美伶）
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00:00Before watching the video, I would like to remind you that there is more content on the R.E.D.I.M.E. website.
00:04If you want to retire at the age of 55, how much money do you need?
00:10According to the previous standards, the basic savings must be at least 240,000 RMB.
00:16So that you won't live a miserable life in the future.
00:19However, due to the impact of the inflation, the price of goods is getting higher and higher.
00:23Today, the Public Fund issued the latest retirement guide.
00:27240,000 RMB is not enough for retirement.
00:30If you want to live a basic life after retirement,
00:33starting from 2028, the basic savings must be at least 390,000 RMB.
00:39And this 390,000 RMB is just enough to meet the basic needs after retirement.
00:47If you want to live a more comfortable later years,
00:50the basic savings must be at least 390,000 RMB.
00:53According to the different levels of retirement life,
00:57if the monthly replacement period is extended to 20 years,
01:00the retirement savings will be divided into three levels.
01:03These are basic savings, sufficient savings, and enhanced savings.
01:07As mentioned earlier, the basic savings is just enough to meet the basic needs after retirement.
01:12At least 390,000 RMB.
01:14If you want to live a more comfortable later years,
01:17the basic savings must be at least 390,000 RMB.
01:21If you want to live a more secure and free life after retirement,
01:27the basic savings must be at least 390,000 RMB.
01:31You can refer to the standard of EPF for your retirement life.
01:36According to the EPF,
01:38the basic savings will be increased from 240,000 RMB to 390,000 RMB.
01:43The basic savings will be increased from 240,000 RMB to 390,000 RMB.
01:47According to the data,
01:49the basic savings of single people is about 1,733 RMB.
01:53If you need it in 20 years, you will need about 350,000 RMB.
01:58After 30 years, the basic savings will be increased to 520,000 RMB.
02:02Compared to the previous standard of 240,000 RMB,
02:05there is no way to meet the real needs.
02:08According to the latest guide released by EPF,
02:10a single old man without a family needs about 2,690 RMB every month
02:14to maintain a reasonable living standard after retirement.
02:21The CCP also mentioned that
02:23only 35-year-old active members with 240,000 RMB
02:29have the basic savings threshold of 240,000 RMB.
02:32That is to say,
02:33most people's savings are not enough for them to retire in peace.
02:37The quality of life in the later years is worrisome.
02:40With the new savings standard gradually increasing to 390,000 RMB,
02:44the proportion of retirees with sufficient savings will fall further.
02:48There is also a worse situation.
02:51Didn't the government launch the flexible third account early on?
02:56Members are allowed to transfer some of their EPF savings to this account
03:00and they are free to withdraw money.
03:03Although the CCP has repeatedly warned that
03:06unless the situation is really urgent,
03:08it is better not to use this money before retirement.
03:12However, Secretary-General Amir Khanzha said in Congress today
03:15that 14.5 billion RMB has been transferred to the third account of EPF.
03:20As of November 27,
03:224 million or 30% of members
03:25have already withdrawn 1.16 billion RMB through this third account.
03:31It is expected that in the coming years,
03:33there will be 5 billion to 7 billion RMB in pension every year
03:36that will be used by EPF members in advance.