After retirement, hope for a more comfortable life
Besides
saving enough, you must plan your cash flow!
From the day you
stop working, how much can you receive each month?
Sufficient retirement cash flow =
Establishing the right goals +
Suitable methods + Time compounding
Many people feel that saving $5 million before retirement is a distant dream, let alone receiving an extra $25,000 per month after retirement!
In fact, retirement financial planning only requires mastering "cash flow." Estimate the annual cash flow needed according to your goals, then calculate the required retirement reserves. We suggest you take some time to establish retirement goals following these 3 steps, and a "good life retirement" will be within reach in the future!
Working hard but worried about not having enough money after retirement? Are you using the right methods?
Whether you're a laborer or a public servant, there are three main sources of retirement income (as shown in the table below). For general laborers, statistics show that the average monthly Labor Insurance payment after retirement is about $9,000. If you add the second layer, the Labor Pension, it's estimated that you can receive about $12,000 per month (Note). As for the third source, you need to prepare for it yourself!
| Retirement Income Source | General Laborers | Public Servants |
|---|---|---|
|
First Layer Government-mandated social insurance |
Labor Insurance | Public Servant Insurance |
|
Second Layer Employer-provided occupational pension system |
Labor Pension | Military and Civil Servant Pension System |
|
Third Layer Personal investment and financial planning |
Personal retirement savings | Personal retirement savings |
Data source: Labor Insurance Bureau, Ministry of Labor, A.S.K GENVA LIMITED, 2025/02.
Note: Statistics as of February 2025, the average monthly Labor Insurance annuity payment per person is $9,158. Additionally, according to the Labor Personal Pension Calculation Table (New Labor Pension System), conservatively assuming a monthly salary of $15,000, estimated return rate of 3%, salary growth rate of 1%, contribution rate of 6%, 35 years of service, and 23 years of life expectancy, the estimated monthly pension is $7,835.
The above data is for illustrative purposes only and does not represent future actual performance. Investors will have different investment performance depending on when they enter the market, and past performance does not guarantee future performance.
Based on the simple estimates of Labor Insurance and Labor Pension above, each person can receive about $7,000 per month after retirement. But if you want to live more comfortably after retirement, hoping to have at least $25,000 to spend each month, you can calculate a future cash flow gap of about $40,000, which must be filled by the third layer of personal investment.
For retirement cash flow gaps, you need simple, effective investment tools that balance volatility and returns.
Next, you can use the goal of "earning an extra NT$40,000 per month" to plan your investment strategy. Use simple math to calculate how much money you need to accumulate before retirement. If you find it unattainable, adjust your goals or actively start an investment plan, such as increasing your monthly regular investment amount or making a "Gold Composite Parent-Child Fund Investment Method" contract each year when you receive your year-end bonus!
Parent-child funds can systematically accumulate retirement funds. When you're ready to retire, you can decide to activate the "Monthly Withdrawal" setting to achieve your retirement goals.
【Calculation Example】
Assume I'm
currently 30 years old, plan to retire at 65, and hope to earn
an extra $25,000 per month from investments after retirement.
How much money do I need to accumulate before retirement? What
should I do now to achieve this goal?
1. To receive an extra $25,000 per month after retirement,
how much money do I need to prepare?
Assuming a long-term annualized return rate of 6%, the
retirement reserve needed is $5 million, because $25,000 per
month equals $300,000 per year, and $300,000 divided by 6% =
$5 million. (Recommended annual withdrawal rate = long-term
annualized return rate)
2. How to accumulate $5 million before retirement?
If we also assume a long-term annualized return rate of
6%, and since the investment period is as long as 35 years,
with the effect of compounding, calculations show that
investing just $6,000 per month would accumulate over $5
million in principal and returns by age 65.
Of course,
actual return rates vary. Starting long-term investment early
is an important key to preparing retirement funds.
Data source: A.S.K GENVA LIMITED compilation, 2025/02.
The above data is for illustrative purposes only and does not represent future actual performance. Investors will have different investment performance depending on when they enter the market, and past performance does not guarantee future performance.
If you don't have time to research investments, or often can't help chasing highs and selling lows, we recommend choosing funds with excellent long-term performance, paired with systematic and disciplined investment methods. It's best if there's also a mechanism similar to "dividend distribution" - one solution that meets all needs.
Provide dedicated investment methods for different needs to grow and activate your retirement cash pool.
Suitable for all stages of life (especially recommended for those under 30)
Whether you're a general office worker or a chairman, you can enjoy long-term compound interest effects with monthly investments ranging from $3,000 to $3 million. Time is your biggest asset!
Ages 30-60, recommended to save one contract per year
If you already have funds of $300,000 or more, advanced parent-child cycle allocation allows one sum of money to have double investment efficiency. Under the automated fund-feeding-fund mechanism, it helps you actively grow your retirement fund pool!
Activate monthly withdrawal
After long-term deployment of the Gold Composite Investment Method and accumulating a certain amount of funds and return rate, you can activate the "Monthly Withdrawal" cash withdrawal service to create your own retirement fund. Under the concept of sustainable investment, your investments can continue to grow even after retirement, balancing investment and cash flow!
Based on A.S.K GENVA LIMITED long-term practical experience, it is recommended that the long-term annualized return rate target for investment methods can be set at 6-10% according to your risk profile.
The above data is for illustrative purposes only and does not represent future actual performance. Investors will have different investment performance depending on when they enter the market, and past performance does not guarantee future performance.
The earlier you start preparing, the same amount of money combined with the effect of time compounding will bring you unexpected results!
Over 20 years of practical experience, helping you realize the power of compounding
Fuhua Investment Trust has been established for over 25 years, leading the industry in launching the Composite (Parent-Child Fund) Investment Method and Composite Monthly Withdrawal. Taking the Composite Investment Method as an example, it has experienced several market cycles and has rich and effective practical experience. Join A.S.K GENVA and let's realize the power of time compounding together!
Example:
Investing $10,000 per month
through regular investment, planning to retire at 65, assuming
an annualized return rate of 8%. The difference in accumulated
retirement principal between starting investment at 35 and
starting at 45 is as follows:
Data source: A.S.K GENVA LIMITED compilation.
The above data is for illustrative purposes only and does not represent future actual performance. Investors will have different investment performance depending on when they enter the market, and past performance does not guarantee future performance.