Retirement Planning Calculator
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Calculate how much to save for your retirement
  • Step 1
  • Step 2
  • Step 3
  • Result
  • Step 1
    ABOUT YOU
    Current age
    Desired retirement age
    Life expectancy
    Expected annual spending after retirement
    Expected inflation rate (%)
    Return rate after retirement (%)
    Projected savings required
    RM 1,000,000.00
  • Step 2
    YOUR CURRENT RETIREMENT PLAN
    EPF
    Current savings
    Annual contribution
    Increment to annual contribution (%)
    Expected return (%)
    Fixed Deposit
    Current savings
    Annual contribution
    Increment to annual contribution (%)
    Expected return (%)
    By age 60 you have saved
    RM 1,000,000.00
  • Step 3

    YOUR INVESTMENTS

    Equity Funds
    Current investment
    Annual contribution
    Increment to annual contribution (%)
    Expected return (%)

    Bond Funds

    Current investment
    Annual contribution
    Increment to annual contribution (%)
    Expected return (%)

    Other Assets

    Other assets available at the age of 60
    (May include property, insurance policies, annuities, etc)
    WHAT IS YOUR RISK PROFILE?
    What is your risk profile based on our Risk Profiler test?
    By age 60 you have saved
    RM 1,000,000.00
  • Result
    YOUR PROJECTED SHORTFALL / SURPLUS:

    How much do you need for retirement

    RM 1,000,000.00

    By age 60 you have saved 

    RM 1,000,000.00

    Funds will run out by age

    74

    You have a

    Surplus
     of

    Future's term

    RM 1,000,000.00

    Today's term

    RM 1,000,000.00

    You have a

    Shortfall
     of

    Future's term

    RM -1,000,000.00

    Today's term

    RM -1,000,000.00
    Sample Portfolio:
    FUNDS
    LUMP SUM
    (RM)
    ANNUAL CONTRibution
    (RM)
    MONTHLY CONTRibution
    (RM)
    Affin Hwang Select Income Fund
    Weightage
    80%
    Target Return
    6%
    198,200.00

    15,100.00

    1,180.00

    TOTAL
    247,800.00

    18,900.00

    1,480.00

This tool is for your independent usage and is not intended for professional advice. The applicability and accuracy of the calculator is not guaranteed and may vary based on your individual circumstances. All examples are hypothetical and are for illustrative purposes.
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Copyright © 2020 Affin Hwang Asset Management Bhd
TENG CHEE WAI

Managing Director
Teng Chee Wai is the founder of Affin Hwang Asset Management Berhad (Affin Hwang AM). Over the past decade, he has built the Company to be the fastest growing and only independent investment management house in Malaysia’s top three, with an excess of RM47 billion in assets under management as at 31 December 2018.​

​In his capacity as Managing Director / Executive Director, Teng manages the overall business and strategic direction as well as the management of the investment team. His hands-on approach sees him actively involved in investments, product development and marketing. Teng’s critical leadership and regular participation in reviewing and assessing strategies and performance has been pivotal in allowing the Company to successfully navigate the economically turbulent decade.

Teng’s investment management experience spans more than 20 years, and his key area of expertise is in managing absolute return mandates for insurance assets and investment-linked funds in both Singapore and Malaysia. Prior to his current appointments, he was the Assistant General Manager (Investment) of Overseas Assurance Corporation (OAC) and was responsible for the investment function of the Group Overseas Assurance Corporation Ltd.​

​Teng began his career in the financial industry as an Investment Manager with NTUC Income, Singapore. He is a Bachelor of Science graduate from the National University of Singapore and has a Post-Graduate Diploma in Actuarial Studies from City University in London.
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