退休生活要怎么过?

Posted on 10 Jul 2019
Share this article   

451604-PEZYO0-451

对于从来未投资过的退休者,凡事必须小心保守,因为他们对于预估商业潜风险的能力非常有限,加上因年龄与健康的限制,失败后要重新来过可是很大的煎熬,因此,并不鼓励退休者涉及高风险高资金的商业投资。

对于闲置的时间增多,退休者们必须重新找回日常生活的重心。建议将重点放在维持健康生活形态上,同时培养健康经济的兴趣,如跳舞、盆栽园艺、摄影。有些退休者甚至能把兴趣变成退休后的工作,这样既有收入又能享受兴趣,让退休生活变得更健康充实。

退休者可参与有意义的社会团体活动,包括志愿服务工作、宗教、社团活动、再就业社会活动等,不但能与社会保持联系,更能透过这些活动结交新朋友,让退休人士能重新融入社会。

随着子女长大,各自为事业家庭奋斗而各分东西。因此,不妨从居住的环境设施、安全性、公民意识等考虑,若没有与子女一起居住,单层或共管服务公寓是否在行动或打理方面更适合自己未来的退休生活。

退休规划小贴士

a.目标须明确,避免眼高手低设定不切实际的目标;

b.越早开始规划越好;

c.认清自己的能力,理性规划;

d.规划子女未来的同时,也得为自己作好退休准备;

e.别把所有退休规划寄托在子女身上;

f.别低估未来医药保健的费用;

g.掌握兴趣上的技能及知识,培养健康低消费的兴趣,以便退休时也能充分利用时间;

h.保持健康的生活方式,让退休后有健康的身体,享受退休生活,同时又能把医疗保健费降至最低。

***作者简介***

nicholaschu

 

周志强 理财顾问(执业财务规划师/讲师/作者),Nicholas Chu(CFP,IFP,RFP,B.Mgmt.Hons)。大马证监会财务规划师(CMSRL)与国家银行财务顾问(FAR)的执业财务规划师;迈悦理财教育培训机构 董事经理;马来西亚理财协会(FPAM)全国理事;马来西亚讲师协会(MSA)副财政;《学习财务规划的第一本书》,《你拿什么来退休》,《大人生理财课》作者;南洋商报、星洲日报、精明理财、风采杂志理财专栏作者;《精明理财18堂课》课程总监;电台AiFM、One FM理财单元受邀嘉之一;电视台NTV7、Astro、8TV、Bernama TV 常驻理财嘉宾;认证财务规划师专业文凭(CFP)讲师;拥有认证财务规划师(CFP)、回教财务规划师(IFP)及注册财务规划师专业(RFP)合格。

Want to contribute articles to StarProperty.my? Email: editor@starproperty.my
Was this article helpful?
Related News

Fresh from the news oven

Friday, 14 Feb 2020 18:02 PM

Something big is starting at the Starling

Property News
Latest News

Stories and news that might pique your interest

Friday, 14 Feb 2020 18:02 PM

Something big is starting at the Starling

Property News
Friday, 14 Feb 2020 16:02 PM

KSL Esplanade Mall unveils key tenants for mall

News & Articles
Thursday, 13 Feb 2020 17:02 PM

7 Tips To Prepare For A Home Wedding

News & Articles
Thursday, 13 Feb 2020 17:02 PM

LBS hands over first IBS-built home nine months ahead of schedule

News & Articles
Friday, 14 Feb 2020 18:02 PM

Something big is starting at the Starling

Property News
Friday, 14 Feb 2020 16:02 PM

KSL Esplanade Mall unveils key tenants for mall

News & Articles
Thursday, 13 Feb 2020 17:02 PM

7 Tips To Prepare For A Home Wedding

News & Articles
Thursday, 13 Feb 2020 17:02 PM

LBS hands over first IBS-built home nine months ahead of schedule

News & Articles
Thursday, 13 Feb 2020 14:02 PM

StarProperty Academy primed to enrich real estate agents

News & Articles
Friday, 14 Feb 2020 18:02 PM

Something big is starting at the Starling

Property News
Friday, 14 Feb 2020 16:02 PM

KSL Esplanade Mall unveils key tenants for mall

News & Articles
Thursday, 13 Feb 2020 17:02 PM

7 Tips To Prepare For A Home Wedding

News & Articles
Thursday, 13 Feb 2020 17:02 PM

LBS hands over first IBS-built home nine months ahead of schedule

News & Articles
Thursday, 13 Feb 2020 14:02 PM

StarProperty Academy primed to enrich real estate agents

News & Articles
Tuesday, 11 Feb 2020 13:02 PM

5 Home Appliances To Combat Bacteria, Germs and Most Viruses

Home & Living
Tuesday, 28 Jan 2020 12:01 PM

How to protect your household from the flu virus

Home & Living
Friday, 17 Jan 2020 09:01 AM

5 tips to clean your home in time for Chinese New Year

Home & Living
Monday, 18 Nov 2019 10:11 AM

Levelling a floor

Home & Living
Monday, 18 Nov 2019 10:11 AM

10 things you can DIY at home

Home & Living
Sunday, 17 Nov 2019 10:11 AM

Customising your own marble substitutes

Home & Living
Wednesday, 05 Feb 2020 10:02 AM

Final chance for landed property in Sunway City

Featured Dev
Friday, 03 Jan 2020 11:01 AM

The Park Sky Residence ushers in New Year

Featured Dev
Tuesday, 31 Dec 2019 15:12 PM

Advertorial: Affordable luxury at E’Island Lake Haven Residence

Featured Dev
Tuesday, 24 Dec 2019 16:12 PM

A magical Finland Christmas Market at Sunway Velocity Mall

Featured Dev
Monday, 16 Dec 2019 15:12 PM

Trinity of options at Tropicana

Featured Dev
Monday, 08 Oct 2018 09:10 AM

Honoring the Southern developers

Awards 2018
Monday, 01 Oct 2018 17:10 PM

Quiet charm of Shah Alam

Best@
Thursday, 20 Sep 2018 13:09 PM

Johor an economic development powerhouse

Awards 2018
Thursday, 23 Aug 2018 17:08 PM

Best@Shah Alam: Fengshui talk

Best@
Thursday, 18 Jul 2019 12:07 PM

买电梯房哪几楼千万不能选?

潮樓產業
Tuesday, 16 Jul 2019 14:07 PM

全球房产泡沫哪区最严重?

潮樓產業
Friday, 12 Jul 2019 10:07 AM

如何评估一套房产是否值得投资

潮樓產業
Wednesday, 10 Jul 2019 16:07 PM

退休生活要怎么过?

潮樓產業
Wednesday, 10 Jul 2019 14:07 PM

购置二手房需注意什么法律问题?

潮樓產業
Tuesday, 09 Jul 2019 12:07 PM

有地房产或高楼住宅孰优孰劣?

潮樓產業