新闻报报看 | 汇丰银行最近发布的《生活质量报告调查》显示，马来西亚中产阶级人士平均需要大约390万令吉左右，才能过上舒适的退休生活。（主播：颜江瀚、洪欣仪）
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00:00 How much pension do Malaysians need to have to live comfortably?
00:08 This is a different question for everyone.
00:12 It depends on your standard of living.
00:16 Huifeng Bank recently released a survey on quality of life.
00:20 The survey shows that the middle-class Malaysians
00:24 think that people aged 25-39 need to have an average pension of 4.86 million RMB.
00:33 People aged 40-54 think that they need to have a pension of 4.53 million RMB.
00:39 People aged 55-69 think that they need to have a pension of 2.57 million RMB.
00:46 So, the average pension for Malaysians in three different generations is around 3.9 million RMB.
00:54 Please note that the number I'm talking about is the average pension for middle-class Malaysians.
01:00 If this 3.9 million RMB is too much for you,
01:04 then you can think about changing your middle-class to a poor class.
01:10 In this way, I can save 3.9 million RMB and reduce my pressure.
01:17 But the report doesn't discuss this.
01:21 We can imagine that if you don't mind,
01:24 you can live a more moderate life.
01:29 For example, you can have roti kosong or nasi lemak with peanuts for every meal.
01:35 You can live in a remote area without having to travel, without entertainment, without getting sick,
01:41 and without living in a big city.
01:45 You can save the pension you need.
01:50 But I don't think this is the direction of the report.
01:53 Of course, everyone wants to live a better life.
01:57 Let's go back to the middle class.
02:00 The report says that the average pension for middle-class Malaysians is 3.9 million RMB.
02:07 But this number is lower than the 5.2 million RMB in Hong Kong and 4.4 million RMB in Singapore.
02:14 But it is also higher than the 3.6 million RMB in the UK and the 3.3 million RMB in the United Kingdom.
02:21 Now we have another solution.
02:24 You can live a more comfortable life without having to be in the middle class.
02:32 We are higher than the Alianqiu.
02:34 If you move to Alianqiu, you will get a pension of 600,000 RMB.
02:39 Of course, this is a joke.
02:40 Because you need a lot of money to move and settle there.
02:45 Maybe the pension you need is higher than the pension you need.
02:49 The question of pension is very important.
02:52 Because it will affect your health in the second half of your life.
02:56 The report mentions that financial health and mental health are closely related.
03:01 If you want to have a good mental health after retirement, you need to have enough pension.
03:08 The report also points out the quality of life.
03:11 If you want to have a good life after retirement,
03:14 the key is to maintain physical health, mental health, and financial health.
03:19 Money is not everything.
03:26 The report of HSBC is directed to the director of SMEs, Kong Linglong.
03:33 He said that 3.9 million RMB is not logical.
03:39 He estimated that only 10% of Malaysians can save this pension when they retire.
03:49 That is, only one person in Malaysia can achieve this goal.
03:54 The minority refers to the upper half of the T20 high-income group.
04:02 The minority refers to the upper half of the T20 high-income group.
04:15 He said that people who earn more than 10,000 RMB a month may not be able to save this pension.
04:19 So most Malaysians don't need to retire.
04:25 Kong Linglong calculated this from the perspective of the general public.
04:30 He said that if you can save RMB 1,000 a month,
04:34 you can save RMB 240,000 in 20 years.
04:37 Even if you save a little, the 3.9 million RMB is still a long way off.
04:43 What's worse is that now you have to face inflation and depreciation.
04:47 Kong Linglong asked, how many people in society can save RMB 1,000 a month?
04:53 Only those who can afford a high income can do it.
04:57 So if you watch this news, you will feel stressed and helpless.
05:05 It doesn't matter.
05:06 This proves that you are on the same front as the general public.
05:11 We are all looking at the gap between the rich and the poor.
05:15 You are getting farther and farther away from wealth and poverty.
05:18 You are getting closer to retirement.
05:21 If you think that 3.9 million RMB is a small amount,
05:24 it means that you are the richest 10% of the country in the T20.
05:32 That's all for now.
05:33 (upbeat music)
05:36 (dramatic music)