Money Explained - Retirement

Apakah jumlah anggaran yang disebut episod ini sebagai jumlah simpanan yang diperlukan untuk persaraan kelas pertengahan di AS? / What approximate amount is cited in this episode as the savings needed for a comfortable middle-class retirement in the U.S.?

• Lebih daripada US$500,000 / More than US$500,000

• Lebih daripada US$1 juta / More than US$1 million

• Lebih daripada US$2 juta / More than US$2 million

• Lebih daripada US$100,000 / More than US$100,000

Episod ini menyamakan persaraan dengan sebuah kerusi tiga kaki. / The episode likens retirement to a three-legged stool.

Manakah kaki yang TIDAK termasuk? / The episode compares retirement to a three-legged stool. Which leg is NOT included?

• Pencen / Pension

• Jaminan sosial / Social Security

• Simpanan peribadi / Personal savings

• Ganjaran saham / Stock rewards

Apakah perubahan utama dalam sistem persaraan yang dibincangkan dalam episod ini? / What major shift in retirement systems is discussed in the episode?

• Beralih daripada pencen tetap kepada akaun sumbangan tetap / Shift from defined benefit to defined contribution

• Semua pekerja mendapat pencen tetap / All workers getting defined benefit pensions

• Kerajaan mengambil alih semua dana persaraan / Government taking over all retirement funds

• Persaraan bebas kos bagi semua / Retirement free of cost for everyone

Mengapakah ramai orang gagal menyimpan untuk persaraan? / Why do many people fail to save for retirement?

• Kerana mereka memahami kos sebenar persaraan / Because they understand the real cost of retirement

• Kerana semua mempunyai pencen cukup / Because everyone has enough pension

• Kerana mereka tidak mengenali diri masa hadapan mereka / Because they don’t identify with their future selves

• Kerana simpanan persaraan menggandakan secara automatik / Because retirement savings automatically compound

Persaraan untuk kelas pertengahan di AS kini memerlukan lebih daripada ______ dalam simpanan. / Middle-class retirement in the U.S. now requires more than ______ in savings.

**^{Sila jawab dalam English sahaja. Please answer in English only}

Sistem persaraan tradisional “_____ benefit” telah digantikan dengan sistem "defined contribution”. / The traditional ​ (a)   benefit” retirement system has been replaced by ​defined contribution

• defined
• pension
• investment
• variable

Episod ini menyebut bahawa salah satu punca kegagalan menyimpan ialah jurang psikologi antara diri sekarang dan “___”. / This episode mentions one reason for failure to save is the psychological gap between the current self and “___”.

**^{Sila jawab dalam English sahaja. Please answer in English only}

Kerusi tiga kaki bagi persaraan terdiri daripada pencen, jaminan sosial dan _____ . / The three legs of retirement stool are pension, social security and _____.

**^{Sila jawab dalam English sahaja. Please answer in English only}

Padankan setiap istilah dengan definisinya. / Match each term with its definition.

• Defined Contribution Plan

• Pelan persaraan yang membayar jumlah tetap / A retirement plan that pays a fixed amount

• Defined Benefit Plan

• Pelan persaraan yang bergantung kepada sumbangan & prestasi pelaburan / A retirement plan that depends on contributions & investment performance

• Future Self Gap

• Jurang psikologi antara diri sekarang dan versi anda di masa hadapan / The psychological gap between your current self and your future version

• Social Security / State Pension

• Bayaran kerajaan kepada pesara berdasarkan sistem negara / Government payment to retirees based on national system

Padankan strategi menyimpan dengan hasil yang dijangkakan seperti episod ini. / Match each saving strategy with its expected outcome as described in this episode.

• Start early

• Capai sasaran persaraan tepat pada waktunya / Reach retirement target in time

• Diversify investments

• Merebut kuasa faedah bergabung (compound) / Harness power of compounding

• Increase savings rate

• Kurangkan risiko pelaburan terlalu tertumpu / Reduce risk of overly concentrated investment

• Automate contributions

• Menyimpan tanpa perlu fikir setiap bulan / Save without thinking each month