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40 + Still no savings How to do? There are 30,000 / month after retirement.🏅

💰, 40, still don't have money to save! Want to retire, have 30,000 a month, what to do?

Many friends may feel that "40 has just thought about retirement. Will it be too late?"

I can say, "It's not late," ✨ but I have to plan seriously.

🔎 clear target first.

If you want to have 30,000 baht a month after retirement = 360,000 baht a year.

If you plan to retire for 25 years 👉, you need a midfield of about 9 million baht (using the 4% rule formula).

💡 40-year-old money collection formula (starting from scratch)

1️⃣ clearly targeted, long planned.

20 years (40-60 years) = must be collected to 9 million baht

2️⃣ invest big money.

If we collect 20,000 baht a month and invest an average of 6% a year,

👉, by the age of 60, there will be close to 9 million baht. 【 Reference: Investopedia, 4% Rule 】

3️⃣ Increase revenue + reduce expenditure

40 is the time to earn extra money, whether online, free-lance or small business.

4️⃣ Use the 50/30/20 rules.

50% Cost Required

30% Lifestyle

20% Keep and invest

👉 or adjust to 30/30/40 if you want to collect quickly.

5️⃣ Choose an investment that suits yourself.

Total Fund

RMF / SSF

Dividend stock

Pension insurance

👉 better spread the risk.

✨ Summary

40 is not late. If you start collecting + investing seriously

For the next 20 years, friends can retire comfortably, earning 30,000 baht a month. 🚀

💬 How are your 40-year-old friends planning to retire? Let's share the idea. 🥰

# Retirement planning # 40 is still cool # I'm in my 40s # 40 plus is not convenient # 40 plus must meet

2025/8/24 Edited to

การวางแผนเกษียณภายหลังวัย 40 ปี แม้จะเริ่มค่อนข้างช้า แต่ก็ยังเป็นไปได้ถ้ารู้จักบริหารเงินอย่างมีประสิทธิภาพและเลือกแนวทางลงทุนที่ถูกต้อง ซึ่งต้องอาศัยวินัยและความต่อเนื่องในการเก็บออม โดยหลักการสำคัญคือการตั้งเป้าหมายที่ชัดเจนและวางแผนทางการเงินอย่างรอบคอบ นอกจากการออมเงินตามกฎ 50/30/20 หรือปรับเป็น 30/30/40 เพื่อเพิ่มสัดส่วนการเก็บออมแล้ว การสร้างรายได้เสริมก็เป็นอีกปัจจัยที่สำคัญ โดยเฉพาะในยุคดิจิทัลที่สามารถทำงานออนไลน์หรือธุรกิจเสริมได้ง่ายขึ้น ซึ่งรายได้ส่วนนี้จะช่วยให้มีเงินเหลือสำหรับลงทุนและบรรลุเป้าหมายเกษียณเร็วขึ้น สำหรับการลงทุน ควรเลือกประเภทที่มีความเสี่ยงเหมาะสมกับอายุและเป้าหมาย เช่น กองทุนรวม RMF/SSF ซึ่งให้สิทธิประโยชน์ทางภาษี หุ้นปันผลที่ให้กระแสเงินสดสม่ำเสมอ หรือประกันบำนาญที่เพิ่มความมั่นคงด้านรายได้หลังเกษียณ รวมถึงการกระจายความเสี่ยงของพอร์ตลงทุนเพื่อปกป้องเงินออมจากความผันผวนของตลาด นอกจากนี้ การศึกษาและเรียนรู้เรื่องการเงินอย่างต่อเนื่องก็ช่วยเพิ่มความมั่นใจและลดข้อผิดพลาดในการบริหารเงิน และควรตรวจสอบแผนการเกษียณทุกปีเพื่อปรับเปลี่ยนตามสถานการณ์ทางการเงินและชีวิต สรุปว่า แม้ว่าจะเริ่มต้นเก็บเงินและลงทุนตั้งแต่อายุ 40 ปี ก็ยังมีโอกาสเกษียณได้อย่างสบายด้วยรายได้เดือนละ 30,000 บาท หากมีการวางแผนอย่างรัดกุม ตั้งเป้าหมายเงินออมชัดเจน ใช้การลงทุนที่เหมาะสม และเพิ่มรายได้เสริมควบคู่ไปด้วยอย่างจริงจังและสม่ำเสมอ

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