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Friday, July 17, 2015

RM1 juta

Hulur telinga dengar senior2 sembang samada time pencen nanti duit kat kwsp >RM1 juta atau tak. A kata dah cecah pun by the time dia umur 50 tahun beberapa tahun lepas.

Tergamam pulak B yang umur 45... dia kata bila dia buat unjuran ke umur 50, tak cecah pun.

Logik la pun. Bezanya ialah A awal2 masuk keje kat sini umur about 40 pegang jawatan senior sampai sekarang. Sedangkan B join keje sebagai Tutor je 15 tahun lepas (ketika umur 30). Initial (permulaan) value gaji berbeza (B rendah, A tinggi) dan increment pun sudah tentulah berbeza. Keypoint sini ialah, "initial" value. Dengan anggapan unjuran adalah linear, maka initial yang tinggi juga akan menghasilkan akhir yang tinggi.

A nak pencen bila sampai masanya (tak mau keje on contract) sebab mau join keje amal seperti join NGO Mercy atau Ikram etc. Duit KWSP cukup untuk cover kehidupan di dunia sampai mati.

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