Your financial protection.

Timing, trade history & avoiding double counting

Start with a lump sum for all your stocks and the annual net dividend income you expect. This amount is included once. Individual-stock records are optional; you choose whether the lump sum or that breakdown funds your plan. The annual total is spread over 12 planning months. New investment and withdrawals change future dividend income in proportion to capital. Dividend growth changes the yearly income estimate independently of price growth: the first 12 forecast months use the amount entered, with growth applied on each following plan anniversary. A zero growth rate keeps cash dividends per share unchanged; negative growth models cuts. Price-only growth changes stock value separately.

Your valuation date is a snapshot. Savings balances must already reflect your past deposits, stock purchases, sales and received dividends. Historical trades calculate stock units and cost; they do not move your entered cash balance again. Update the valuation date and cash balances when recording later activity. An imported “Opening” trade is an aggregate snapshot, not an invented acquisition date.

The forecast begins at the next calendar month-end. Growth and dividends occur before new contributions; contributions stop at retirement. Working-age stock budgets buy fractional units at the modelled price, without execution fees or tax. They do not claim real dividend entitlement. Age bands are anniversary-based; each contribution stage replaces its source’s base monthly amount over [start age, end age).

Returns, access rules & retirement limits

Fund returns are user-entered smooth effective annual assumptions after the stated fee adjustment—not official ASNB, Tabung Haji, SSPN or EPF crediting formulas. New fund return assumptions use labelled planning defaults: 5% for EPF/ASNB/PRS and 3% for Tabung Haji/SSPN/deposits. They are editable scenarios, not verified declared yields. PRS and EPF access rules vary by subaccount and circumstances; enter separate accounts and appropriate access ages. No statutory payroll table, tax relief, withdrawal penalty or eligibility calculation is provided. SSPN is initially earmarked for education, not automatically treated as retirement money; you control its inclusion.

Stock price growth excludes cash dividends. Dividend estimates are not promised income. Outside retirement income pays spending first, then the chosen withdrawal order applies. No borrowing is invented after funds run out. Protected balances are nominal; the terminal retirement reserve is measured in valuation-date purchasing power. Earmarked funds do not satisfy that reserve. Working-household expenses, debt, tax, corporate actions, foreign exchange and live market data are not modelled. The original calculator retains its advanced drawdown controls.

Insurance income, trusts, premiums & access

Insurance has three different effects: premium commitments, scheduled benefits, and conditional protection. Scheduled income covers retirement spending only in the months it is payable and accessible; a scheduled lump sum becomes retirement cash only at its release age. A payment held inside a trust before its unlock age is excluded from spendable assets until release, with no assumed trust investment return. Each benefit is recorded only once. If a policy combines income with lump-sum cover, add separate benefit records and enter the premium on only one of them.

Premium frequency and paid-up terms use the ages entered for the person paying. A scheduled age-based waiver reduces remaining premiums when the chosen age is reached; death, disability, critical-illness benefits and waivers dependent on approved claims do not automatically occur in this base-case forecast. Retirement premiums increase spending in the months payable. The headline retirement premium amount is the average over the first twelve retirement months; pre-retirement premiums appear as commitments without reducing savings contributions, because employment-period living expenses are not modelled. Insurance coverage is not cash and is never counted as an owned asset merely because it has a face value. Trust rights and policy terms must be checked against actual documents.

Protection stress tests and uncertainty

Protection is separate from the assets, debts and scheduled retirement cash-flow ledger. The stroke, critical illness and unable-to-work scenarios ask how much cash the household has available for immediate costs and for a chosen period without earnings. Monthly living costs follow the user's current plan unless overridden; salary is gross unless the user enters net income at risk. The model uses currently accessible recorded investments and cash, not locked EPF, property, earmarked accounts or conditional death cover. There is no forecast for medical costs, clinical severity, taxes, insurer claim eligibility or changes to market values during the shock.

One-off out-of-pocket costs and extra care costs must be entered. Blank costs remain unassessed rather than silently becoming zero. Insured critical-illness and disability benefits are never counted unless the user explicitly enables a hypothetical approved-claim scenario. The editable claim-payment delay is an assumption, not an insurer settlement promise, and late payouts do not undo an earlier cash shortfall. Separate premium commitments are added only if the user says they are not already in living costs. Policy cash surrender values, if recorded, remain reference amounts outside net worth and immediate emergency liquidity to avoid confusing them with sum assured or counting the same asset twice. These stress tests do not yet recalculate long-term retirement investments or missed future contributions after an illness.

Today’s money, future cash and spending changes

Current balances and spending budgets use your valuation date as today. Today’s money converts projected cash back to purchasing power on that date, using the same inflation assumption across balances, dividends, spending and coverage figures. The future-money view shows cash amounts in your retirement currency at each projected age. Switching the view changes presentation, not the forecast or the inputs.

Your base spending budget applies until an age-based spending change replaces it. Each change is entered in today’s spending currency. Keep buying power adjusts the budget annually for inflation. Keep cash fixed converts each new budget to cash at the age it begins, then holds that cash amount until the next change. No additional lifestyle or healthcare escalation is assumed. Investment returns, salary growth and dividend growth are before-inflation cash assumptions; inflation is not added to those returns a second time. Future income entries specify cash at their start age, contribution stages specify cash deposits, and protected balances stay fixed in cash.

Privacy & returning to your plan

Calculations and JSON imports run in your browser. There is no broker connection or cloud sync. Named plans and unfinished drafts save automatically in this browser. Reopening restores the saved valuation and quote dates; it never labels old prices as current. Invalid edits do not replace the last valid saved plan. Conflicting edits in another tab pause saving rather than silently overwriting them. Browser storage is not a backup guarantee: download JSON for recovery and moving devices. Hosting may still log page and asset requests.