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How much are you earning per annum?

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  #11681 (permalink)  
Old 27-05-2019, 09:37 AM
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I think Malaysia is a good place to retire but KL may be a bit more expensive than other parts of Malaysia. You can consider Malacca or Penang. Retiring in Thailand or Vietnam is something you can also consider. You can consider retiring in differenct cities and towns in the region. Maybe you can stay one year in each of these cities such as KL, Penang, Malacca, Bangkok, Phuket, Hanoi, etc.



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My wife and I hope to retire when we reach 55 years old. We have been studying and working hard all our life and want to retire very soon to enjoy a more relaxed life. We have paid up our mortgage and we are debt free! We will retire in KL, where we can enjoy city living at a low cost. We have family ties and friends there. We will retire with the income we get from our property which we will rent out plus some dividend income from stocks. Our passive income will be about S$3,000 pm.

If we retire in Malaysia our passive income will be RM9,000 pm. This will enable us to rent a condo in KL for about RM1,500 pm. Our food, car and other expenses will be about RM5,000 pm. So, in total our expenses will be RM6,500 pm. We can still save RM2,500 pm. This is on top our cash savings of S$100,000.

When we reach 65, we will receive a payout of S$4,000 pm (RM12,000) from CPF Life which we will use to travel the world and rent a more expensive, upscale condo in KL. Our passive income at 65 will be S$7,000 pm (RM21,000 pm). We will be rich foreign retirees in KL, where we will live in a posh condo and drive a posh sports car. Life will be wonderful. Our children can visit us twice a year during the holidays.

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  #11682 (permalink)  
Old 10-06-2019, 10:22 AM
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Dear bros and sis,

I'm 33 yo this year. Last year's income was $155k. This year is likely $160k.

My job has quite linear pay progression. The thing is i don't like my job. No intellectual growth.

I'm really staying only because of the pay and I know I can't get this package anywhere else because my skills are non transferable. But I also know there are people my age getting paid much more.

Just ranting. Views please?

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  #11683 (permalink)  
Old 10-06-2019, 12:04 PM
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Quote:
Originally Posted by Unregistered View Post
Dear bros and sis,

I'm 33 yo this year. Last year's income was $155k. This year is likely $160k.

My job has quite linear pay progression. The thing is i don't like my job. No intellectual growth.

I'm really staying only because of the pay and I know I can't get this package anywhere else because my skills are non transferable. But I also know there are people my age getting paid much more.

Just ranting. Views please?
Stay for the package and use any free time during office hours to progress in other aspects (transferable skills set, personal aspirations, etc). I'm in the same dilemma as u except my overall package is smaller. I'm using this period to handle my personal matters

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  #11684 (permalink)  
Old 10-06-2019, 12:55 PM
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Quote:
Originally Posted by Unregistered View Post
Dear bros and sis,

I'm 33 yo this year. Last year's income was $155k. This year is likely $160k.

My job has quite linear pay progression. The thing is i don't like my job. No intellectual growth.

I'm really staying only because of the pay and I know I can't get this package anywhere else because my skills are non transferable. But I also know there are people my age getting paid much more.

Just ranting. Views please?
Stay for the pay unless you can find 170 to 180k elsewhere.
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  #11685 (permalink)  
Old 10-06-2019, 06:15 PM
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Quote:
Originally Posted by Unregistered View Post
Dear bros and sis,

I'm 33 yo this year. Last year's income was $155k. This year is likely $160k.

My job has quite linear pay progression. The thing is i don't like my job. No intellectual growth.

I'm really staying only because of the pay and I know I can't get this package anywhere else because my skills are non transferable. But I also know there are people my age getting paid much more.

Just ranting. Views please?
start a side biz online
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  #11686 (permalink)  
Old 11-06-2019, 01:01 PM
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Quote:
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Stay for the pay unless you can find 170 to 180k elsewhere.
Since poster doesnt like his job, his performance will deteriorate as years go on :P


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  #11687 (permalink)  
Old 12-06-2019, 09:50 AM
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Quote:
Originally Posted by Unregistered View Post
Dear bros and sis,

I'm 33 yo this year. Last year's income was $155k. This year is likely $160k.

My job has quite linear pay progression. The thing is i don't like my job. No intellectual growth.

I'm really staying only because of the pay and I know I can't get this package anywhere else because my skills are non transferable. But I also know there are people my age getting paid much more.

Just ranting. Views please?
Care to share what industry you work in? I would kill for your pay package. I am 31, degree holder, in a Stat Board. My total income last year was $60,000. I would like to make some breakthroughs.
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  #11688 (permalink)  
Old 12-06-2019, 11:38 AM
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Care to share what industry you work in? I would kill for your pay package. I am 31, degree holder, in a Stat Board. My total income last year was $60,000. I would like to make some breakthroughs.
Could you share your background? Based on your age, you could have probably worked for 6 to 8 years after graduation. I saw many people posting in another thread regarding high starting salary for fresh grads in govt sector. Based on normal career path, 60k overall package seems low as a non fresh grad.
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  #11689 (permalink)  
Old 12-06-2019, 10:41 PM
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34 this year, overseas degree, a farmer in ministry.
Total annual income was $80,000.
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  #11690 (permalink)  
Old 12-06-2019, 10:43 PM
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33. Smu degree. ministry. 100K pa.
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