Table of content
Title Page
1.0 Introduction 1
2.0 Life Cycle 2
3.0 Financial Goals 2-4
4.0 Annual Income 4
4.1 Budget 5
4.2 Income Statement (monthly) 5-6
4.3 Monthly Living Expenses 6-7
4.4 Balance Sheet 7-10
4.5 Employees Provision Funds (EPF) 10-11
4.6 Tax Planning 11-12
5.0 Car and Household Purchase Planning 13
5.1 Car Purchasing 13
5.2 Housing Purchasing 14
6.0 Marriage Plan 14
7.0 Insurance 15
8.0 Estimation of Child College Savings 16
9.0 Investments 17-18
10.0 Retirement 19-20
11.0 Estate Planning 20
Appendix 21-25
1.0 Introduction
Husband :
My name is Lydia Yong Hui Ying. I am currently a 19 years old female and currently studying in
Multimedia University Cyberjaya, pursuing Bachelor in Financial Engineering (Hons). My
expected graduation will be in 2022. After my graduation, my expected salary will be RM3500. I
expect a 5% of salary increment in anticipated annually
Wife :
My name is Goh Zhi Qing. I am currently a 19 years old female and studying in Multimedia
University, Cyberjaya campus, pursuing Bachelor in Financial Engineering (Hons). My expected
graduation will be in year 2022. I expect to start my career at the age of 22 and my expected
salary for my first job will be RM3300. I also expect a 5% salary increment in anticipated
annually.
Lydia and I decided not to buy a car since Lydia’s parents provided her a car which is Perodua
Myvi. As of PTPTN loan, Goh borrowed for her studies in MMU so she has to pay back but
Lydia did not borrow. Therefore, Goh has to pay back the loan 12 months after she completed her
studies.Since our aggregate income is low so Lydia decided to work part time as a
telecommunicator which will earn RM1800 monthly. We are planning to get married in 5 years,
but meanwhile we are planning to purchase a condominium in Cheras costing us around
RM450,000. We planned to have 2 children after getting the condominium. We will save for our
children for their tertiary education and purchase life insurance for our family before our
retirement. So by the time we retire at the age of 60 we hope to be free from any obligations and
roughly live until age of 88.
1
2.0 Life cycle
First Phase Fresh Graduate 22 years old
Second Phase Married and have children 27 years old
Third Phase Retirement 60 years old
The life cycle of Lydia and Goh will be split into three phrases. In the first phrase, we will finish
our studies and enter the working place. After that, in our second phrase, we will be getting
married and have children after 5 years of working. Since our salary will increase over the years,
we will be able to support our children and our daily life expenses while still making savings for
the future. At the last phase of our life, we are planning to retire at the age of 60 and enjoy our
retirement.
3.0 Financial Goal
Goal Priority Frequency Anticipated
level cost (RM)
Short- Term Goals (Less than 1 years)
Emergency Funds (RM4220) 1 Lump-sum RM12,660
Regular saving plan 1 Monthly RM500
Purchase insurance (Health care, Car, Property) 2 Monthly RM800
Pay off bills and credit card 1 Monthly RM1,000
Intermediate- Term Goals (1 to 10 years)
Finance for wedding cost 3 Lump-sum RM40,000
Down payment for house 3 Lump-sum RM55,000
Pay off outstanding debt (PTPTN) 2 Lump-sum RM50,000
2
Long-Term Goals (More than 10 years)
Pay off housing loan 1 Lump-sum RM405,000
Saving for children's education 1 Lump-sum RM300,000
Create retirement fund to maintain current 2 Lump-sum RM3,000,000
standard of living
Finance a vacation 3 Lump-sum RM40,000
We have categorized three types of goals which are short-term goals, intermediate- term
goals and long-term goals to motivate ourselves to achieve the goals and compare the actual
performance. First of all, we have put emergency funds into short-term goals as it is high liquidity
assets that can be used to meet emergency expenses. Therefore, we will open a savings account
and save a certain amount of money every month as our emergency funds and regular savings.
Other than that, we are planning to purchase sufficient insurance to provide protection against the
probable chances of loss. Lydia and I also plan to own a credit card as credit card provide a lot of
benefits to us and make our life more convenient. Both of us are well disciplined in managing our
money, therefore paying off credit cards and bills will be our top priority.
For intermediate goals, we have decided to get married in 5 years upon graduating, so we
have to start planning the budget for our wedding. Next, we will purchase a condominium in
Cheras after getting married which will cost RM450,000. Thus, in order to purchase that property
we have to prepare 10% of down payment which is RM45,000. Other than that, we have to bear
the cost of lawyer fees and miscellaneous cost which will be RM10,000. Lastly for our
intermediate goals, we have to pay off Goh’s PTPTN which will be RM50,000 and Goh plan to
finish the debt within 10 years.
For long term goal, we are planning to pay off our biggest debt which is our housing loan
RM495,000 to make sure we are free from any liabilities before our retirement. Besides that, we
also need to save for our children’s education. In order to support my children for further study in
University or college, the estimated cost we need to prepare is about RM300,000. Once we have
a stable income, we will start saving for our retirement funds. The reason for us to create
retirement funds is to make sure that we won't become a burden for our children and investing in
retirement account will ensure both of us have a more comfortable and happier retirement. Last
but not least, Lydia and I would like to plan for a vacation every 3 years. Therefore, we will take
this into account while we are planning for our long-term goal.
4.0 Annual Income
Husband (Lydia) Wife (Goh)
Monthly income RM3,500 RM3,300
RM1,800
Annual income RM63,600 RM39,600
In our first phrase as fresh graduates, we are expecting to earn RM103,200 in total annually. We
will use our salary to maintain our cost of living and savings. If there’s any additional income we
will use it to do investment to fulfill our financial goals.
4
4.1 Budget
Diagram above is our expected income expenditure in different sections. We have reserved 40%
for housing which included housing loan, house repair, taxes, utilities and property insurance.
Beside that, the estimated total expenses we will spend on transportation and insurance are 10%
of our income. We also reserved 15% of our income for loan payment. For instance, PTPTN loan,
credit card balances and personal loans. 20% of our income we will use for other miscellaneous
expenses such as vacations, entertainment and clothing. The rest 15% of our income which is
around RM15,480 ((RM63,600+RM39,600)*15%), we will save into account and invest in some
investments such as mutual funds, stocks and bonds
4.2 Income Statement (monthly)
Take-Home Pay (RM)
Income
Lydia : 5,300
Goh : 3,300
Total Income 8,600
5
Income Taxes 1,368
Lydia (112)
Goh
(-) Total Income Taxes (956)
Total Take-Home Pay 7644
As shown in the income statement above, Lydia and I are able to contribute a total of
RM8,600 (RM3,500+RM1800+RM3,300) to our family income. Although Lydia will have to
pay tax every month, Goh is entitled for tax rebate instead. Thus, our take home pay would be
RM7644 after getting the tax rebate (-RM62 + RM1018). The money will then be used for our
day-to-day living expenses as well as to go into saving and investment so that we can fulfill our
financial goals. As for our second and third phase of life, we are expecting to have 5% of
increment in our income. Hence, we are able to invest more in phase two and phase three to gain
more funds for our future planning.
4.3 Monthly Living Expenses
Total Income
Total Take-Home Pay 7644
Total living expenses (RM)
Total Housing Expenditure 1,220
-Rental - RM1,000
-Utilities -RM90
-Wifi -RM130
Total transportation expenditure 250
Automobile road tax
Total food expenditure 800
Total clothing and personal care expenditure 400
Total medical care expenditure 300
Total recreation expenditure 250
Total insurance expenditure 500
6
-Lydia -RM200
-Goh - RM200
-Car -RM100
Total other expenditure 500
Other loan payment
-Parents -RM500
(-) Total living expenditure 4220
Income available for savings and investment RM 3,424
As shown in the table above, since both of us are working at Cyberjaya, therefore we
decided to rent a whole unit located at Cyberia Smarthomes which cost us RM1000 per month.
Since only both of us live in the unit, the total monthly utilities fees we have to pay for is about
RM220 including utilities and wifi . As we are living and working in the area of Cyberjaya, we
are able to save more in transportation expenses, which is around RM250 a month for Lydia to
fill in petrol. Other than that, the living expenses in Cyberjaya is quite high, it usually costs
RM10 per meal if eating outside. In order to reduce the expenses we decided to cook at home
most of the time. Thus, we will need around RM800 for our food expenditures . Furthermore, we
also prepare RM400 for our clothing and personal care expenditures.
We also purchased some insurance to prevent loss, therefore we will need to prepare a
certain amount of money for insurance expenditures. Lydia and I will be spending RM400 on our
insurance and RM100 on car insurance. Besides, we also reserved RM300 for our medical care
expenditure to maintain our body health. We also did prepare RM250 for recreation expenditure
for us to have some social activities with friends or families.
4.4 Balance Sheet
Balance Sheet
Asset RM
Cash (RM63,600 + RM39,600) 103,200
Savings (RM500*12) 6,000
7
Money Market Funds -
Other Monetary Assets -
Monetary Assets 109,200
Mutual Funds 2,500
Lydia - RM1,500
Goh - RM1,000
Stock 3,000
Bonds 2,000
Life Insurance 600,000
Lydia - RM300,000
Goh - RM300,000
Cash Value of Annuities -
Investment Real Estate (REITs, partnership) -
Other Investment -
Investment 607,500
EPF 11,424
Lydia - RM952*12 10,752
Goh - RM896*12
Retirement Plans 22,176
Housing (Market Value) 450,000
Perodua Myvi 25,000
Proton Iriz 45,000
Collectibles -
Furniture -
Other Personal Property -
Personal Property 520,000
Total Assets 1,258,876
Liabilities
8
Current Bills (RM1,220*12) 14,640
Credit Card Debt 500
Home Mortgage -
Home Equity Loan -
Housing Loan (RM2,096*12) 25,152
Car Loan (RM500*12) 6,000
PTPTN Loan 5,000
Insurance 200
-Car 621
-Medical 1,337
-Life (RM714 + RM623)
Mutual Funds 2,500
Other Liabilities -
Total Liabilities 55,950
Net Worth
Total Assets 1,258,876
Less : Total Liabilities (55,950)
Net Worth 1,202,926
According to the balance sheet, our asset compromise of cash which is RM103,200. It is
actually from both of our annual income and we also have an additional saving of RM500 which
is put into our joint account thus we will be able to accumulate RM6,000 per year. Next, our
monetary assets also consist of mutual funds between Lydia, RM1,500 and Goh, RM1,000 so we
have a total of RM2,500 of mutual funds. We also have invested in stock which is worth
RM3,000 and also bonds which are worth RM2,000. In addition, we have also purchased life
insurance for both Lydia and I which have a total value of RM600,000. At this moment, we have
also accumulated our EPF funds which is estimated to be RM22,176.
9
We have also decided to have a few personal property for ourselves to increase our net
worth. The first personal property which is worth the most is our condominium which has a
market price of RM450,000. Next, we also have two cars which is Perodua Myvi worth
RM25,000 and Proton Iriz worth RM45,000. So we will have a total of RM520,000 for our
personal properties. So after combining all the cash, monetary asset , investment, retirement plan
and also our personal properties, we will have RM1,258,876 for our total assets.
On the other hand, we also have our liabilities and must be comply from us annually or
every month. Firstly, we have to pay off our current bills which amount to RM1,220 per month.
Even though we have a credit card, we will not use it unless it is an emergency so we estimated
that we will only use RM500. Next, we also have two loans which are housing and car which we
will have to pay off every month. Our housing loan will cost RM2,096 monthly for 30 years and
the car loan will be RM500 per month for 9 years. Other than that, Goh also has taken PTPTN
loan for her undergraduate so she will need to repay RM5,000 annually for 10 years.
Furthermore, we have purchased various insurance such as car, medical and life for Lydia and I
so we will need to pay off our insurance which is RM2,158 annually.
In conclusion, after adding up our total assets and minus off our total liabilities. We will
have a net worth of RM1,202,926.
4.5 Employee Provision Fund (EPF)
In order to calculate our Employee Provision Fund which will be used during our retirement, we
will be using an EPF calculator.
Husband :
Age Average My Employer’s EPF (per Total EPF
Income contributi contribution month) (RM)
Estimated on (RM) (RM) (RM)
(RM)
22-25 3,549 422 532 952 45,696
26-30 4,432 601 654 1256 75,360
31-35 5,657 862 818 1680 100,800
10
36-40 7,220 1,278 1,026 2,304 138,240
41-45 9,241 1,922 1,286 3,208 192,480
46-50 11,829 2,824 1,624 4,448 266,880
51-55 15,141 3,982 2,053 6,035 362,100
56-60 19,381 5461 2599 8060 483,600
1,665,156
Wife :
Age Average My Employer’s EPF (per Total
Income contributi contribution month) EPF(per
Estimated on (RM) (RM) (RM) year) (RM)
(RM)
22-25 3,349 393 502 896 43,008
26-30 4,232 563 629 1,192 57,216
31-35 5,457 812 792 1,604 63,840
36-40 7,020 1,214 1,000 2,214 132,840
41-45 9,041 1,858 1,260 3,118 187,080
46-50 11,629 2,754 1,598 4,352 261,120
51-55 14,941 3,912 2,027 5,939 356,340
56-60 19,181 5,391 2,573 7,964 477,840
1,579,284
4.6 Tax Planning
In this section, we have demonstrated separate assessment as we found that separate assessment
will bring more advantages for us to pay less taxes. Thus, we decided to use separate assessment
to pay for our taxes.
Separate Assessment Lydia Goh
Employment RM63,600 RM39,600
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Investment Income - -
Other sources - -
Aggregate Income RM63,600 RM39,600
(-) Business loss - -
(-) Approved donation - -
Total income RM63,600 RM39,600
(-) Personal reliefs
Self (RM9,000) (RM9,000)
Wife (RM4,000) -
Children - -
EPF/Insurance (RM6,000) (RM6,000)
Chargeable income RM44,600 RM24,600
Tax payable (Scale rates) RM1,368 RM288
(-) Tax Rebates - (RM400)
Tax payable RM1,368 (RM112)
As shown in the calculation above, Lydia and I are going for separate assessment as it has
more advantages compared to combined assessment. After doing all the adjustment, Lydia will
need to pay RM1,368 for his personal tax meanwhile I’m entitled RM112 tax rebate. We also
calculated the total tax relief we can get which included personal tax on self and wife,
EPF/Insurance relief. As my total chargeable does not exceed RM35,000, therefore I'm entitled to
receive RM400 tax rebate. Meanwhile, since Lydia’s chargeable income is higher so she does not
have any tax rebate.
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5.0 Car and Household Purchase Planning
5.1 Car Purchasing
When it comes to car purchasing decisions, Lydia already has a Perodua Myvi so she
does not need to purchase a new car since it will be able to last a few more years. So, Lydia can
reserve more money to do investment so that we will be able to achieve our long term goals.
But, Zhi Qing will need to purchase a car so that she will be able to travel to her
workplace. So she is planning to purchase Proton Iriz 1.3L Standard CVT as she will be
travelling to work only so it is more suitable for her. The price for the car is RM45,888 and she
will get a loan from Maybank.
Price of Proton Iriz 1.3L Standard CVT (RM) 45,888
(-) Down Payment (RM45,888*10%) (RM) 4,589
Total Loan Needed (RM) 41,299
Loan Interest Rate (% p.a.) 3.4
Loan Term (years) 9
Monthly payment (RM) (calculated using Car Loan Calculator, refer 499.41
to appendix)
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5.2 Housing Purchasing
In phase 1, as we just graduated from university so Lydia and I decided to rent a house first. As
renting a house is more flexible than owning a house. By renting a house can reduce our financial
burden as we are able to avoid property taxes, lower utility costs, insurance costs and more. This
allowed us to save more and have our own house in the future. In phase 2, we are planning to
purchase our own house between the ages of 27 and 28 years old. The type of house we are
planning to buy is a condominium in Cheras. The condominium costs us around RM450,000.
Since it’s a large amount of money, Lydia and I will prepare a 10% down-payment which is
RM45,000 and borrow RM405,000 housing loan from Maybank.
Home purchase price (RM) 450,000
Down payment (RM450,000*10%) 45,000
Total housing loan (RM) 405,000
Loan interest (refer to Maybank’s iMoney) 4.28%
Loan maturity 30 years
Loan payment (RM/per month) 2,096 (according to loan calculator, refer
to appendix)
6.0 Marriage Plan
We are planning to get married after 5 years of working, we will allocate RM16,000
(RM160*100) for our wedding venue and dinner which is The Royale Chulan Hotel, Kuala
Lumpur. We will be allocating RM14,000 for our wedding photoshoot and Betrothal Ceremony.
The remaining will be used on our honeymoon trip to Maldives (5D4N) which will cost
RM6,176 (RM3088 per person) and RM3,824 will be used for expenditure during the trip. In
order to save up for our marriage, we have to allocate funds from our monthly income.
14
7.0 Insurance
Since we are young at this point of time, Lydia and I have decided to get two types of
insurance which are medical insurance and car insurance. But we will be getting an additional
two more insurance in the future when we have our own house and children which are mortgage
insurance and life insurance. This is important so that we can provide income replacement to our
beneficiaries if we die such as our children.
Our first priority is to get health insurance and after checking out different insurance companies.
We have decided to purchase from Great Eastern which is their Great MediCare 2 Plan 200. We
have decided to get the same insurance plan since it will be easier to manage and settle the
payment together. The plan will cost us RM621 annually which will only cost us RM51.75 per
person. But we will be paying it annually since the amount is not more than what we can afford
so we would not forget to pay and cause forfeit. As for car insurance, we will be purchasing from
Kurnia which will cost us RM200 per month for both of our cars.
Next, we are planning to purchase additional insurance which is life insurance and mortgage
insurance. The term insurance will provide protection for a specific number of years with the
death benefit coverage. After checking out from various insurance companies, we have decided
to choose Allianz I-EssentialCover. It provides a premium plan that offers insurance protection
for 10 years. We chose the Plan 300 for both of us which will insure up to RM300,000 upon
death and permanent disability. The annual premium of the insurance will cost us RM714 for
Lydia and RM623 for Goh.
15
8.0 Estimation of child college savings
The cost of raising a child is high, the cost is hard to predict. Lydia and I will have children after
marriage, as parents we will need to send our children for further study. Thus, we will need to
bear a large amount of university bills and we can’t predict the exact price of the tuition fees.
Therefore, we need to prepare the funds as much as possible.
Line William,
Michelle
1 Age of children 3
2 Cost of four years of college RM68,000
3 Expected rate of increase in college cost (per year) (Refer to Table A) 4%
4 Factor of annual increase in college cost (Refer to Table A) 1.8009
5 Expected cost of college (Multiply line 2 by line 4) RM122,461.20
6 Expected return on investments 7%
7 Current balance of college savings RM5,000
8 Factor of annual rate of return (Refer to Table B) 2.7590
9 Future value of existing college savings (Multiply line 7 by line 8) RM13,795
10 Subtraction of future value of existing college savings from RM108,666.20
expected cost of college
11 Factor of annual rate of return (Refer to Table C) 0.0372
12 This is the amount we need to save each year (Multiply line 10 RM4,042.38
by line 11)
From the worksheet above, Lydia and I will start saving for our children at the age of 3 and we
assume that they will be entering college at the age of 18. Hence, from the worksheet we can
calculate that the total amount we need to save each year for our children's education is
RM4,042.38.
16
9.0 Investment
In order to achieve our financial goals Lydia and I decided to invest in some investments
program. Before we put our investment program into place, we will have a grip on our financial
affairs. Making sure that we have sufficient insurance and keep emergency funds before we
17
consider investing. Besides, we will need to understand our tolerance for risk before investing as
not everyone has the same tolerance for risk.
To know how much risk we can afford to take based on the time dimension of investing. The
more time until we need the money, the more risk we can afford to take. This is because the
longer the time horizon will allow us to have more time to make adjustments in our portfolio.
After much discussion, we have decided to diversify our investment into three types which are
stocks, bond and mutual fund. We will create a portfolio for our investment which are 50%
mutual fund, 35% bonds and 15% stocks. By creating this portfolio, we will be able to diversify
our unsystematic risk in order to reduce losses in our investment.
Therefore, Lydia and I decided to invest in stocks for our long-term financial goals as stocks
provide the highest potential return compared to other options such as bonds. But bear in mind
that higher return is always associated with higher risk, risk and return go hand in hand.
Next, we will also buy a bond. The reason for us to choose bonds is that bonds produce a steady
income. By considering our retired life, bonds will be the best choice for us. When we buy the
bonds the bond issuer gets use of the money and in return they pay us interest annually. Bond can
become the additional income from our investment portfolio to supplement our pension income.
However, there is still risk in bonds which is when it’s at maturity, the issuer pays you the face
value of the bonds it could be more or less than what you originally paid for. Also, the bond
prices fluctuate depending on the interest rate. There is an inverse relationship between bond and
interest rate. If the interest rates drop, the price of bond will increase.
Besides, we will be investing in mutual funds. A mutual fund is a type of investment in which
investors pool their money together to buy a portfolio of stocks, bonds or other securities in order
to take advantage of diversification. It enables us to hold a wide variety of securities at a lower
price. If one investment decreases in value, another investment in the portfolio may increase. By
holding shares in various types of funds, we enable to take advantage of opportunities in many
18
asset classes across changing market environments. Mutual funds also provide higher liquidity by
enabling withdrawals anytime. It can help us to deal with emergencies.
10.0 Retirement
Lydia Goh
Current Age 35 35
Expected retirement age 65 65
Number of years you would like your 30 30
retirement savings to last
Desired annual after-tax retirement income RM60,000 RM55,000
Estimated average tax rate 25% 25%
Annual Benefits from Social Security RM13,127 RM13,127
Estimated annual pension benefit RM0 RM0
Amount your savings must provide each year RM46,873 RM41,873
(after tax)
Amount your savings must provide each year RM62,667 RM55,831
(before tax)
Expected real return on savings after retirement 3.0% 3.0%
Amount to save by the time you retire RM1,228,298 RM1,094,309
Expected real return on savings between now 6.0% 6.0%
and retirement
Current value of your retirement savings RM100,800 RM63,840
Current savings will be worth when you retire RM578,945 RM366,665
Amount to save between now and when you retire RM649,353 RM727,644
Amount to save each year between now and retirement RM8,182 RM9,168
Amount that you are currently saving each year RM7,200 RM7,200
for retirement
Additional amount to save each year RM982 RM1,968
19
During this stage of life, Lydia and I will be focusing on our retirement plan because in order to
enjoy our retirement life without worrying about the financial, we need to start saving at an early
age. Goh and I plan to retire at the age of 65 and we estimated that we will live until the age of 95
but if we are not able to live that long then the remainder will be given to the spouse or children.
Our desired annual income is RM115,00 which is close to our current pay so it will be able to
sustain our living during retirement. According to the calculation, the amount that we need to
save will be RM649,353 for Lydia while RM727,644 for Goh. The total estimated amount that
we need to save between now until we retire will be RM1,376,997 which is equivalent to
RM17,350 monthly. We already started saving an annual amount of RM14,400 but we will need
to add an additional amount RM2,950.
11.0 Estate Planning
20
Appendix
4.5 Employee Provision Fund (EPF)
https://payroll.my/
5.1 Car Purchasing
Proton Iriz 1.3L Standard CVT
https://images.app.goo.gl/R3abtLSRCyVHPB8QA
Car Loan calculator
https://www.calculator.com.my/car-loan#.XiFRjMgzY2w
21
5.2 Housing Purchasing
House
https://www.propertyguru.com.my/property-listing/cover-installment-duplex-platinum-con
do-walk-to-mrt-mall-cash-back-55k-furnished-klcc-view-for-sale-by-lyla-wong-29850883
Housing loan
https://www.imoney.my/home-loan/maybank
22
6.0 Marriage Plan
Wedding
https://www.comparehero.my/travel-lifestyle/articles/wedding-reception-venues-kl-selango
r-budget
Honeymoon
https://www.rahaholidays.com/5-days-4-nights-maldives-honeymoon.html?gclid=Cj0KCQiA89z
vBRDoARIsAOIePbD9Lghd3oHgv34eaIsu3y7ylojyl42oBcgdE6Uf4lmTE_EwB_HhVsYaAiBj
EALw_wcB
23
7.0 Insurance
Insurance
https://www.zurich.com.my/en/insurance-products/protection/for-my-health/prolife-36-sup er-
basic
24
8.0 Estimation of child college savings
Children’s education
https://www.mmu.edu.my/fee-structure/
25
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