WorksheetsMoney Explained - Retirement
Total questions: 20
Worksheet time: 24mins
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
(a)
Sistem persaraan tradisional “_____ benefit” telah digantikan dengan sistem "defined contribution”. / The traditional (a) benefit” retirement system has been replaced by defined contribution
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
(a)
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
(a)
Padankan setiap istilah dengan definisinya. / Match each term with its definition.
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
Defined Contribution Plan
Bayaran kerajaan kepada pesara berdasarkan sistem negara / Government payment to retirees based on national system
Social Security / State Pension
Jurang psikologi antara diri sekarang dan versi anda di masa hadapan / The psychological gap between your current self and your future version
Future Self Gap
Padankan strategi menyimpan dengan hasil yang dijangkakan seperti episod ini. / Match each saving strategy with its expected outcome as described in this episode.
Menyimpan tanpa perlu fikir setiap bulan / Save without thinking each month
Automate contributions
Kurangkan risiko pelaburan terlalu tertumpu / Reduce risk of overly concentrated investment
Diversify investments
Merebut kuasa faedah bergabung (compound) / Harness power of compounding
Start early
Capai sasaran persaraan tepat pada waktunya / Reach retirement target in time
Increase savings rate
Dalam banyak kes, orang perlu bekerja lebih lama atau mengambil pekerjaan sambilan kerana (a) mereka tidak cukup. / In many cases, people need to work longer or take a side job because their (b) is insufficient.
**Sila jawab kedua-dua pernyataan. Please answer both statement.
Jurang antara diri sekarang dan masa depan menyebabkan orang _____ menyimpan untuk persaraan. / The gap between current self and future self causes people to (a) saving for retirement.
**Sila jawab dalam English sahaja. Please answer in English only
Salah satu punca sistem persaraan semakin rapuh ialah _____ peruntukan kerajaan untuk pencen. / One cause of the weakening retirement system is reduced government (a) for pensions.
**Sila jawab dalam English sahaja. Please answer in English only
Episod ini menyarankan supaya anda “_____ your retirement savings” sebagai salah satu strategi. / This episode recommends you to (a) your retirement savings” as one of the strategies.
**Sila jawab dalam English sahaja. Please answer in English only
Susun urutan langkah menyusun persaraan yang selamat seperti diterangkan dalam episod. / Arrange the sequence of safe retirement planning steps as explained.
Mulakan menyimpan awal / Start saving early
Automasi sumbangan / Automate contributions
Diversify portfolio anda / Diversify your portfolio
Semak secara berkala dan sesuaikan pelan anda / Regularly review and adjust your plan
Susun urutan evolusi sistem persaraan seperti dalam episod ini. / Arrange the sequence of retirement-system evolution as in the episode.
Pelan pencen tetap (“defined benefit”) / Defined benefit plans
Beralih ke akaun sumbangan tetap (“defined contribution”) / Shift to defined contribution accounts
Individu menyimpan lebih besar sendiri / Individuals saving more themselves
Tekanan untuk bekerja lebih lama dan menyimpan lebih banyak / Pressure to work longer and save more
Susun urutan psikologi menyimpan seperti yang dinyatakan. / Arrange the psychological sequence of saving behaviour as stated
Mengabaikan diri masa depan / Ignoring your future self
Menangguh sumbangan / Postponing contributions
Menyimpan secara automatik / Automating saving
Mencapai matlamat persaraan / Achieving retirement goal
Susun urutan komponen “kerusi tiga kaki” persaraan seperti digambarkan - dalam susunan paling asas ke paling peribadi. / Arrange the components of the “three-legged stool” of retirement from the most basic to the most personal.
Jaminan sosial / Social security
Pencen / Pension
Simpanan peribadi / Personal savings
Padankan setiap pernyataan dengan jawapan yang betul. / Match each statement with the correct answer
“Beralih daripada pelan pencen tetap ke pelan akaun sumbangan tetap” / “Switching from a fixed pension plan to a defined contribution account plan”
Shift to defined contribution
“Kerusi tiga kaki bagi persaraan terdiri daripada pencen, jaminan sosial & simpanan peribadi” / “The three-legged stool for retirement consists of pension, social security & personal savings”
Pension,social security &personal saving
“Ramai orang tidak mula menyimpan kerana mereka tidak mengenali diri masa hadapan mereka” / “Many people don't start saving because they don't know their future selves”
Future self gap
“Menyimpan awal dan automasi sumbangan adalah strategi yang disarankan” / “Saving early and automating contributions is a recommended strategy”
Start early & automate contributions
Sila pilih terma yang bersesuaian / Please select the appropriate term.
