通胀医疗费等因素影响 30年后退休金至少需100万
(莎阿南23日讯)大马雇员公积金局首席战略官努希山胡先披露,在20至30年后退休者,预计退休金“最低限度”需要至少90万至100万令吉。
他说,这将是考虑到通货膨胀和医疗费用等因素后的“最低限度”。
根据《星报》报道,对于在未来几年退休者,则大约需要60万令吉才能在吉隆坡“有尊严地”退休。
努希山胡先说:“当你看到60万令吉的储蓄门槛时,只有大约4%的国人有能力退休,在巴生谷以外地区的门槛则稍微低一点。”
他提到,60万令吉只能满足普通门诊医疗需求或全科医生的就诊费,而不是任何主要的医疗需求。
亚罗士打退休费用最低
根据公积金局计算,亚罗士打是退休费用最低的地方,让退休者可以享受舒适的退休生活。
努希山胡先说,然而即使在亚罗士打,一个人也需要48万令吉才能在那里退休,这是退休储蓄基本门槛24万令吉的两倍。
他直言,我国是一个快速老龄化的社会,而大约56%的54岁公积金局会员,其存款低于5万令吉。
“以5万令吉计算,假设他们每月开支为1000令吉,一个人(的退休金)只能维持四年多一点。”
目前,约52%公积金局会员的户口款额少于1万令吉,约27%的会员更是少于1000令吉。
努希山胡先认为这相当令人担忧。显然地,许多人在冠病疫情期间提款,对退休金充足率产生了重大影响。
“在冠病大流行之前,约22%会员满足了基本储蓄要求,但经过几轮特别提款计划(即 i-Sinar、i-Lestari、i-Citra 和最近的1万令吉特别提款设施)之后,这一数字下降到14%。”
财政部副部长拿督莫哈末沙哈上个月告诉国会下议院,公积金局成员在四个提款机制下总共提出1450亿令吉。
在疫情期间,政府允许员工的公积金份额法定缴款率从11%降低至9%。
另外,在保险公司Sun Life一项调查中,4%受访者表示他们的公积金局户头中没有足够的资金提款。
https://www.enanyang.my/%E8%B4%A2%E7%BB%8F%E6%96%B0%E9%97%BB/%E9%80%9A%E8%83%80%E5%8C%BB%E7%96%97%E8%B4%B9%E7%AD%89%E5%9B%A0%E7%B4%A0%E5%BD%B1%E5%93%8D-30%E5%B9%B4%E5%90%8E%E9%80%80%E4%BC%91%E9%87%91%E8%87%B3%E5%B0%91%E9%9C%80100%E4%B8%87
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