Wednesday, April 22, 2009

Simpanan Hari Tua Anda Bila Berada di Negeri Orang

Dalam kemelut dan krisis ekonomi dunia, salah satu perkara yang bermain dalam fikiran ialah simpanan hari tua, seperti slogan KWSP. Di UAE ini tiada KWSP sebagai kewajiban. Hanya beberapa syarikat tertentu yang mempunyai skim serupa.

Pendapatan bagi kebanyakan eksptariat adalah berkali ganda dari pendapatan di negara asal mereka. Tiada cukai pendapatan. Ini tidak bermakna ramai yang boleh menabung dengan banyak untuk hari tua, pendidikan anak-anak mahupun untuk hal-hal ibadah.

Krisis sekarang menyebabkan ramai yang kehilangan pekerjaan di UAE. Simpanan mungkin belum menckupi untuk pencen. Apalagi kalau ada tanggungan lain seperti hutang kereta, hutang rumah dsbnya.

Salah satu matlamat penting untuk menabung ialah pendidikan tinggi anak-anak. Pendidikan tidaklah murah dan lebih payah apabila penggangguran menjadi dilema besar buat graduan, juga ibu bapa yang terus terpaksa menanggung anak-anak.

Dalam perbincangan berkaitan perkara ini dengan seorang kenalan rapat, yang juga jutawan di UAE, kami mempunyai masalah yang berbeda. Dia tidak mempunyai masalah kewangan dan mempunyai banyak pilihan, termasuk terus menghantar anak-anaknya untuk menetap dan bersekolah di Cambridge sebelum ke universiti terkenal itu.

Masalahnya ialah sama ada tiga anak-anaknya akan dapat diwariskan untuk mengambil alih syarikat-syarikatnya. Malah dia mengatakan anak-anaknya tidak perlu mendapatkan apa-apa ijazah, hanya kemahiran vokesyenal dan pendedahan perniagaan dari awal. Dia mahukan anak-anaknya berkebolehan dalam pelbagai bahasa, ketika ini mereka berkomunikasi dalam bahasa Arab, Inggeris, Melayu dan Perancis di rumah.

Saya tidak mempunyai apa-apa syarikat untuk diwariskan ketika ini, masalahnya ialah mendapatkan dana secukupnya dalam menrealisasikan cita-cita anak-anak.

Masa depan mereka menjadi prioriti. Mungkin ramai diantara kita akan terus bekerja walau sudah bertaraf pencen, lainlah kalau berjaya dalam bisnes atau mendapat komisyen tinggi menjual kapal selam dsbnya!

Securing the future

Half of Gulf expats have not changed their retirement plans as a result of the global econ-omic crisis, according to research carried out by a global insurance and investment firm.

The researchers asked local expats in the UAE and Bahrain if the downturn had made them think differently about their future earning plans and 22 per cent said they are now paying more contributions into their pension schemes.

“These results are at odds with the popular perception that people in the GCC don’t save or won’t be saving due to the financial impact. It is also quite telling that, year on year, the use of financial advisors is up across the board with double the amount in UAE and Bahrain getting independent advice. Our goal is to help people prepare for life after work and we are delighted to see that expats in the Gulf are taking a measured approach,” Carlos Sabugueiro, managing director of Zurich International Life said of the research findings.

A similar poll was done in Hong Kong, whereby research revealed that 95 per cent of local residents now cite topping up their retirement fund as the most popular avenue for investment. Savings, especially for children’s education is the number one priority in Dubai, while residential property remains the main priority in Bahrain.

On a much more pessimistic note, one in three of those surveyed said they were feeling less confident about having sufficient funds for their retirement.

“The credit crunch, higher costs of living and a need to provide a sound education for the younger generation means that the need to start saving for retirement isn’t being taken lightly. People must take the responsibility to plan adequately for their future, particularly when they are providing for family, so, seeking professional advice and savings products that provide high returns but also flexibility to meet the needs of changing lifestyles is imperative,” said Andrew Robinson, regional director of Zurich International Life.

The research also revealed that 71 per cent in those in the UAE now feel it is important to have Takaful products available as part of the investment package.

The Zurich Wealth Monitor targeted male and female Arab and non-Arab expats in the UAE and Bahrain, who are aged over 20 years old and who are earning at least $2,100 per month.

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