Personalized Retirement Blueprint — Wealth Creation Group

Personal & Employment

Client name

Meeting date

Date of birth

Current age (auto)

Expected retirement age

Life expectancy

Current annual income

Financial Position (current)

EPF balance

Current investments

Existing retirement savings

Pension / lump sum

Property value

Monthly rental income

Include property value as investable retirement asset

Retirement Income Needed

Desired monthly amount needed during retirement (today's value)

Enter the total monthly amount the client will need to live on in retirement, in today's value. Tip: a common guide is 60–70% of current income. Current: – of income.

Planning Assumptions (editable)

Inflation rate (%)

Return before retirement (%)

Return during retirement (%) Current monthly retirement saving

What the client is already putting aside toward retirement each month.

Choose the Retirement Goal (Legacy Strategy)

A · Capital Depletion

Spend everything by life expectancy. Ending balance RM0 — highest possible income. Best when there are no heirs.

B · Preserve Capital

Live off returns only; principal stays intact for inheritance. Requires the largest fund.

C · Preserve Partial

Spend some, leave a legacy. Balance between lifestyle and inheritance.

Retirement Funding Gap

Wealth Timeline — Accumulation & Drawdown

Required Fund by Strategy

Current Asset Allocation

Close the Gap — Adjust the Plan

Additional monthly saving (RM)

1,000

On top of current saving. Drag to see the impact instantly.

Gradual step-up (income grows over time) Step-up amount each interval (%)

10%

Retire later? Test a new retirement age

Working a few more years lets savings compound and shortens the drawdown period.

Projected Fund vs Required

What It Takes to Fully Fund Retirement

Scenario Comparison

Compare retirement ages and investment-return assumptions side by side. Figures use the currently selected strategy and solution settings.

Visual Summary

Build Financial Security

Create a strong nest egg for the future.

Enjoy the Lifestyle You Want

Freedom to travel, explore and pursue passions.

Peace of Mind

Less financial stress for you and your loved ones.

Leave a Lasting Legacy

Provide for the next generation if you wish.

Consultant Remarks & Action Plan

Discussion notes / observations Recommended action plan

Consultant name

Next review date

My Clients

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