You cannot talk about inflation without investment return. Its one sided and not holistic view. Inflation can be 3% p.a but investment return can be 6%. You still have a net gain 3% p.a. Over year your monetary value will only grow not shrink.

If you stop investing right after retire, then you should start worry about inflation. The question is why u want to do so?? Its not very bright

Just to clarify the terminology a bit... the more accurate term is "drawdown" of one’s assets or investments. It doesn’t mean stopping investing altogether.

In practice, it usually means using whatever cash flow is coming in first, and if that’s not sufficient, then selling a portion of the portfolio to cover the spending shortfall.

Of course, one could choose to liquidate everything and hold it all in cash (FDs, CASA, bills, MM, etc) and then draw down from there. That’s one way.... the usually accepted most conservative way.
However, it’s generally not considered optimal, especially at a relatively young age like 55, where the portfolio still needs to work for the long term of like 25 to 30 more years.

You are just pulling in more and more variables and outliers to "support" your point.

You know what, there is no point for me to talk about facts to those who don't listen - yeah, go ahead, inflation is fake, a mere interest of your "investment" is enough to cover your retirement lol, because why not right? It can cover your living expense, combat inflation, AND at the same time still invest - holy hell no wonder we have noone struggling to retire - because your imaginary calculation logic is flawless.

If it's not enough - just bump the imaginary amount to 2mil, or 3mil, 5mil eh, anything to support your point. 3% of xx amount.

Summary of our conversation:
1. I tell a fact that inflation needs to be accounted into your retirement figure, your 1mil will feel like 500k in the next 15years.
2. Your argument - nope, once you have money, you'll never go broke even if you LOST your income(retirement), investments alone can cover everything.

Flawless logic - no wonder we got no poor people around.

I don't think so for the lower income group, and most of these people don't have enough to spend and some are actually withdrawing the money out from EPF earlier..

Yeah i agree, most HAVE TO withdraw their capital to live through retirement, no such thing as continuously re-investing for that sweet compounding gains, you need to live somehow.
It's not like everyone could afford to contribute rm1000 into epf for 33 years straight, i mean a 40-50years old dude might still have financial troubles.

That's why i find it absolutely insane people could argue how inflation is a no-factor and investment alone could combat it while you no longer have your main source of income (job - before retirement). Delusional wishy washy kinda peoples

1. I have never ignore inflation throughout the discussion. I just say need to take into consideration the return part as well.
2. Ever heard of The rich will get richer, while the poor stay poor

You mentality is the same as the later.

You need to stop dreaming, and start looking at facts, which you fail to provide and only pull in more and more variables, such as, aiyah 2mil not enough, 5million la, coz that 2% enough to cover my retirement ma. That sounds like a child who just entered the workforce and have no clue how money and TIME works.

Pulling you back to reality, back from your dreamland, if an average person retires with 1 million in 15years in the future, his 1million will NOT be growing, it will be eaten away by inflation and the cost of living to upkeep himself.

Your argument? Aiyah 1million not enough, just use 3million la, then the intrest sure can cover. Ridiculous.

Just share my life experience. I had retired from fulltime job since age 38. It seems like u r offended by the facts.

This post has been edited by Singh_Kalan: Dec 22 2025, 01:04 PM

Well obviously your life experiences holds no value as there is literally no facts involved.

You lack the understand the bigger picture, putting out shallow opinions that is most probally fueled by a 10min youtube video - thinking, wao wao if 1million, 6% - earn 60k every year, 3 million mai 180k wao wao wao, putting zero thoughts into cost of living and real life circumstances.

Your arguments is like a MyVi driver friend who said aiyo my car not fast enough la, and your response is "lol get a ferari la".

Well... The above details pretty much sum up all about u.

How to easily spot someone who have lost an argument, and is trying real hard to cover: Putting out words such as this, to somehow thinks it would buy them anymore credibility.

Here's a newsflash for you, it's the internet, look i can do it too: I never even need to work a single fulltime job my whole life, i'm a trust-fund baby, my capital gains alone is worth your whole decade of retirement.

lol really crazy you think that would add anything to your posts

Anyway.. A piece of advise. While u are so fixated with inflation, never ignore investment. Fiat currency reward those who invest and punish those who save.

Like i said before earlier, if you want to learn about investments and finances, there's a sub for it where they go into great details on it - this is not the place for it (you're not putting out any valuable insight anyway, just generic statements).

People like you who just found out about a small part of investments really do like to spew whatever youtube shorts you've "learned" in every opportunity you get. There's a topic and place on where to speak and where to blow your own fragile ego - this is not it.

Do i need to go to Inflation sub if i want to learn about inflation??
You seems to be creating rules whenever suits u.

This post has been edited by Singh_Kalan: Dec 22 2025, 02:34 PM