Ideal retirement looks like this

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However, for most people, a realistic scenario looks like this



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What is Retire Method then?

The first ever step-by-step retirement management & scenarios modelling solution with the exact facts, figures, strategies and methodologies to help you adjust your unique financial needs to achieve these 5 most important post-retirement goals:

  • Preserve capital and generate inflation-beating investment income

  • Maintain and adjust retirement lifestyle without depending on others

  • Allocate and adjust sufficient fund for children education

  • Allocate and adjust sufficient emergency fund and medical expenses

  • Leave legacy for next generation


  • Being pushed products sale

  • Revealing your finances to anyone

  • The recurring annual financial advisory fees

  • The need to step out of the comfort of your home

Enter your Email below to preview the exact content inside Retire Method

( 7 Private Youtube tutorial videos in total )


[headline_arial_medium_centered color=”#000000″]The New Age Definition of Retirement[/headline_arial_medium_centered]

“The secured feeling of having enough money, constantly reinvested, to sustain your lifestyle & achieve life goals.”

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From CF Lieu

AFPM, Financial Planning Association of Malaysia

Founder of and

Columnist, Money Compass magazine

Guest Author,

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[headline_georgia_medium_centered color=”#000000″]Take a look at the concerns people have on retirement[/headline_georgia_medium_centered]

[headline_georgia_medium_centered color=”#000000″]Could you relate to them?[/headline_georgia_medium_centered]

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“My ideal retirement is for my children to complete their tertiary education, my home / properties are all paid for and I can have enough passive income to support a comfortable and healthy lifestyle.”  – Albert Hwong

“My main concern will be to have sufficient money to sustain day to day and in the  later years, & to enroll and pay for the old folks home till
I meet my maker.”V Thirukumar

“I want to have the Financial Knowledge for investment in my retirement years and also to beat annual inflation rate from investment return.
Alex Tan

“The important thing is to have enough money to last until end of days. Do not wish to depend on other people or need to work. I suppose EPF is not sufficient at the moment.”Yew Mun Shum

Manage the risk & return of investment during retire period.”tngyew

“How to plan for it ? How much is enough? Are there a better way which we don’t know?Ho King

“My most important criteria regarding my retirement is a very good health care plan in place for me and my wife, a very comfortable life in my later years and some real-estate to pass on to my children.”Kumarendra Chandra

“Important consideration is I want to maintain my current lifestyle and leave a legacy for my children.Irene Hew

“Healthy retirement income with decent living.”Kang Bee Kiong

“How to preserve capital & at the sametime generate enough income to survive the current high cost of living. Hence,interested to know more about managing personal finances.”Sheong Ngai

The high costs of doctor/specialist ‘s bills and medicine is worrying when one retires.”Ong Sin Bee

“Of course I also will be worried about the inflation rate by that time …money is so small”YMK

“To have built enough capital to generate income sufficient to maintain current lifestyle without utilizing the capital itself.Suppiah

“My worries is do I have enough saving for my kids’ education because I was late married. I also worry about how to spent my life after retire. I like to travel but I afraid I do not have so much saving to do so many things after I retire. What should I do in order to have enough saving ? “Seng Ai Lin

“I am worried that I may not have enough money to cover my medical bills, living expenses, children education after i retire.” – Laynee Sim

“I also start to worry about how I will be able to provide for my family (my parents and future family) should unpredictable circumstances arise. Worse still, how long can I survive without the help of other siblings after retirement should I not have any savings by then? I definitely would like to hear a step-by-step answer but I guess nothing is that simple in this world after all. If you have the answer, I would be most willing to hear from you.”  – Wayne Kho

“I am worried that I will not have enough to use after retirement and be dependent on othersEugene

“What if I can’t save enough after retirement. How can I reduce the amount I’ll need to achieve my dream after retirement.”Hazah

“I have get married late. By the time I retired, my younger children will be still studying. With no income after retirement, how I able to support my children education expenses? This is my worry.”Kumar

“Main worries will not have enough income generating assets to generate income to cover my day to day living expenses.”Albert

Ability to growth the passive income and perhaps recycle this income, for further growth. You don’t have to spend every cent. Most scary of all – medical expenses. I really dunno how to plan for this.
Insurance premium will rocket with age and unsure if I am correctly and adequately covered. You know, all insurance agents cannot be trusted as they are humans (after all) and sells policies that earns them most commission or are just restricted to whatever products their company have.”Snoopy168

“Commitment such as children education, living expenses and lots and lots more are keep increasing. Any recommendation on passive income after retirement?”Stephanie Au

“My worries during my retirement are that all my savings and investment could not surpass the future real inflation rate.Swee Kong


[text_bar_1 background=”#444444″ + width=”100%”]Possible Problems You  Might Encounter when Planning or Managing Retirement Finances[/text_bar_1]

Problem#1 – Financial Agents are Product Pusher : There are so many products in the market with bold promises of guaranteeing you comfortable retirement. I should correct that – it only increases the odds of you living a comfortable retirement, not guaranteeing it. Why do you think people finish up their EPF money within 10 years after retirement? I can tell that you don’t want to be part of the statistics. Ponder over this – is this due to lack of product that helps retirement or is there a lack of proper methodology that manage your retirement assets? You get my point. Financial and retirement products are merely tools, NOT the solutions. You need a solution, the how-to’s. Everyone needs to know the how-to’s which is unique to your financial situation.

Problem#2 – Privacy and Confidentiality :  You lack the know-how’s to implement a solid retirement management plan, and you know you desperately NEED help. However, for a financial planner to help you, he needs you to reveal your entire personal finances to him. You are not willing to reveal to do this. A classic Catch-22 scenario.

Problem#3- FA only serves high net worth client (yours are not) : An authority IFA figure in Malaysia only serves client with minimum net worth of RM 2 million. And an authority figure could be hard to reach. For the rest of us with net worth less than RM 2 million, are we doomed? My belief – Everyone should have the rights to make best use of whatever retirement assets they have, regardless of their wealth.

Problem#4 – Don’t know How to Invest Pre and Post Retirement to leave the desired legacy to your children :  Yes, you might have a will to pass legacy, but if you exhausted your assets before you die, is there anything to pass on to your children? If you have a will but you zero assets, that is as good as having no will. Do you agree that retirement management comes before making a will, not vice versa?

Problem#5 – Don’t know How children education cost could severely impact your retirement :  Can you really afford to send your children to overseas studies? Do you know how it is going to impact your retirement? What if you know in advance that sending your children to UK and having them do the same course in local private university can spell the difference between comfortable or mediocre retirement lifestyle?

Problem#6- Don’t know How to Adjust your post Retirement Expenses so that you still have money to last you a lifetime : If you love your children, you want to not also sponsor their tertiary education, but to help them buy first car or first house. That’s how parents love their children. But do you want to do so at the expense of living hand-to-mouth when you are 70?

Problem#7- Don’t know How to Determine exactly how much post retirement expenses you need 10-20 years to sustain your lifestyle : You know you need say RM 3,500 a month to sustain your lifestyle now. But how about 10 or 15 years later? It is NO longer RM 3,500 a month for the lifestyle you are so accustomed to because  you are treating like inflation is non-existent, and we have not factored in your personal inflation rate yet!

Problem#8- The one Major Weakness of 99% online Retirement Calculator : …it only tells you how much you should save for retirement, NOT how to manage your post retirement fund. It’s not so of what you have, but you manage your retirement fund that determines whether you need to retire independently or need to ask money from other people 10 years down the road. Bear in mind all financial factors like inflation, expected return on investment is never static. It is IMPOSSIBLE to know what will happen. If you don’t know how to adjust these factors dynamically into your retirement calculation, your projection will be way out. It’s a classic example of Garbage In, Garbage Out.

Problem#9- Financial Planner Might Have Self-Serving Assumption that your portfolio comprises entirely of assets they can sell you, they might model their plan in similar way. It is like fitting a square peg into a round hole – it’s so ludicrous it doesn’t work. If you still have multiple sources of income like rental or part time work- that needs to be factored in and reinvested.

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[headline_georgia_large_centered color=”#000000″]All this creates an entire group of people who have awareness & extreme desire for independence in their golden years but are lacking in the foundational principles about how to manage post retirement finance.[/headline_georgia_large_centered]

 All investment, insurance, wills does not matter if you don’t need how to manage your post retirement expenses

Like what will happen below if you just happen to spend RM5,000 a month compared to RM 2,400


There is no course or program that solves all of your address all of your concerns above, until now.

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[headline_tahoma_large_centered color=”#000000″]Why is Retire Method Different?[/headline_tahoma_large_centered]

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It is NOT an ebook stuffed with filler content to get you buy another, more expensive product.

It is NOT a set of vague promises and tips you can find for free on Google.

This is NOT something that guarantee you rich or make huge returns.


This IS something that teaches you how to make the best use of what you already have.

This IS something you can apply 1, 3, 5 or 10 years down the road no matter what financial event* happens to you.

*Because we are bound to encounter  SetBacks in life, financial upheaval if you may….that’s just life. It gets into the way sometimes, you just got to float with it and adjust accordingly rather than panicking or getting too depressed about it.

This IS something CONCISE and Straight to the Point.

This IS a SOLUTION-oriented catered to your Needs, not just an online Product

It’s not so of what you have, but is you manage your retirement fund that determines whether you need to retire independently or need to ask money from other people.

If you already retire/ or want to retire, chances are your assets is not going to change much and I am NOT telling you to put your money into speculative investment which may end up losing all your money.

So many books and course preach What You Should Do With your Retirement Money and How Much you Should Save Without Considering your needs

They never show you  How You Should Manage your Retirement Money Considering Your Personal Unique Needs.

Retirement Management is NOT a Plan-It-and-Leave-It thingy. In other words, it is NOT A SET IT AND FORGET IT PROCESS. You Cannot Assume Anything for the next 20 Years of your Retirement Years. A Difference of 1 Percent Inflation Rate Will Make or Break your Retirement Funds.


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With the clarity of Retire Method Scenario Modelling, You…
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  • Will Have AMPLE of opportunities to revise your assumptions and recalculate to make numbers work, making it a DYNAMIC PROCESS.
  • Will be Able to RESOLVE THE INEVITABLE changes that occur over time by correcting and adjusting your plan.
  • Will Know with High Certainty, How to  Input any Retirement Variables Any Time and then Compute your Retirement Roadmap Real Time.
  • Will BUILD self-confidence by varying single inputs and seeing how it affects overall OUTPUT [/red_arrow_list]

Of course, there will ALWAYS BE UNKNOWNS in life. That’s the inherent nature of the future no amount of planning or statistical analysis can overcome.

Hence, the best solution is to build your own budget based on your UNIQUE plan post retirement. It won’t be perfect but there’s no better alternative for answering this required assumption.

Heck, with the knowledge derived from this 4 weeks program, you can do this even with a pen and paper. It doesn’t need to be complicated or fancy once you know the method.

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How can a retiree can REALLY enjoy his or her golden years?

By Eliminating Poverty Consciousness.

Once we strip away all the Financial Figures and then Delve Deeper,

We Discover these 8 Key Intangible Feelings

…by having Solid Retirement Management Knowledge


Self Esteem





Peace of Mind

Sense of Empowerment


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Retire Method is no ordinary online program as it buys you these 8 Key Intangibles in your Retirement Years


Even if you don’t have one million retirement assets.

You might want to manage your retirement assets DIY, like this


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[headline_georgia_medium_centered color=”#FF0000″]It’s about making the best of what you have – I am showing you how instead of preaching or telling you what to do. Because of these 4 pillar beliefs:[/headline_georgia_medium_centered]

My belief#1: You are the ultimate decision maker on how to live your golden years.

My belief#2: No want likes being told what to do or what NOT to do. However, most are open to recommendations

My belief#3: People like to be given options after they are made aware of the consequences of their decisions.

My belief#4: There is no right or wrong decisions. Only choices that will affect the future unfolding of events.


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The 7 Critical Things which You Cannot Just Assume Blindly, Plug In and Forget in your Retirement Planning

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  • Periodic Withdrawal to Fund Retirement Expenses
  • Inflation Rate
  • What age you and your spouse retire
  • What year you will die
  • How Much Cash Inflow to your Retirement Fund
  • Investment Return from your Asset
  • The sequence of these Investment Returns or Loss



Even A few small errors in assumptions here and there can be Magnified into Big Problems

[headline_georgia_large_centered color=”#000000″]RetireMethod is setting things right in just 4 weeks.[/headline_georgia_large_centered]

23 Video Tutorials of over 4 Hours in Total
In the form of Downloadable High Definition MP4 files


Excel Work Sheets.

[headline_georgia_medium_centered color=”#000000″]Here is the exact value proposition inside Retire method[/headline_georgia_medium_centered]

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Week 1: You will learn…

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  • Apply the concept of Time Value of Money to Know Exactly How Long Your Retirement Fund Will Last, Without any Post Retirement Income
  • How To Know for sure the Nominal Inflation Rate every year without reading the news
  • Where to Use a Life Expectancy Figure for Retirement Years Assumption Calculation
  • How to Know Exactly How Much You Should Withdraw every month in order not to finish up your retirement money before the assumed life expectancy figure
  • How To Track your Balance Retirement Fund every year
  • How to Adjust this monthly expenses to retain your retirement lifestyle so that it can last you till you die
  • How to Plan for Your Spouse who survives you so she can still have money to spend and retain her Retirement Lifestyle long after you are gone
  • How to Adjust for Inflation Rate that Changes every year in your Retirement Management
  • How to Make Use of the Resource you have, no matter the amount to eliminate uncertainty




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Week 2: You will learn…

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  • A case study on why you are Dead Wrong if you assumed putting RM 3 million into FD and living off the the 3 percent interest generated from it is sufficient to retain your retirement lifestyle for 30 years
  • Why Your Post Retirement Investment Return Rate is more as important as your Pre Retirement Investment Rate, if not more important
  • How to Draw A Retirement Timeline for you and your Spouse
  • The Fundamental Flaw in the Assumption of Post Retirement Money Management
  • Why You Don’t need RM 1 million Retirement Fund at the Onset of Retirement
  • Why your Choice of Retirement Lifestyle (And Ultimately your Expenses) is More Important that How much you have in your Retirement Fund
  • Why Prudent Retirement Planning & Management is Not Selfish as It takes care of our Children and Grandchildren
  • How to Work Backwards on the Amount You Should Have At the Onset of Retirement only After you have determined the Legacy You want to Leave to Your Children
  • Why Inflation Adjusted Rate or Real Rate is the Gold in order to successfully Preserve Your Retirement Capital after you are long gone
  • How A Continuous Investment Return of just 6 percent annually Will Grow Your Retirement Fund Year after Year even without any additional capital into your retirement fund. And you still get to Retain your Retirement Lifestyle. Sounds too good to be true? It is, and it’s not for the skeptical. The figures and computations shows it.
  • How to Know the Exact Financial Impact to your Retirement Fund if you need to fund your children tertiary education after your retirement age. And How to adjust this accordingly in order not to exhaust your retirement fund before you pass away,and still manage to leave a substantial legacy for your children
  • How to Assess the Consequence of Funding your Children’s Car Down Payment or Home Down Payment without jeopardizing your retirement fund
  • How a 1 plus percent  annual return over a period of 20+ years spells difference between leaving Half a Million or One Million to your children
  • How by Having an Just Extra RM 800 a month added and reinvested annually into your retirement fund makes a whole lot difference to accomplishing your goal of leaving desired legacy to your children




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Week 3: You will learn…

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  • A layman explanation of what is purchasing power and why it is the utmost enemy eroding the quality of your retirement lifestyle
  • An even advanced but worthwhile method to pass the purchasing power to your children WITHOUT liquidating your assets, long after you are gone
  • How to tweak this method to leave a specific amount of legacy for next generation after immunization your self retirement fund against purchasing power risk
  • Why inflation rate seems trivial when compared to the #1 enemy during retirement – medical cost
  • Estimating the ever-rising medical inflation, and how this going to impact your retirement nest egg, on top of children education cost, children car or house buying.
  • See how much you can spend for yearly vacation guilt-free
  • How to factor in variables from Week 2 into our computation thus far, and achieve multiple post retirement goals
  • See for yourself the impact of losing money in high risk, high return investment during retirement years
  • How a Different Sequence of Recession or Economic Boom after your Retirement Makes Traditional Retirement Plan Useless
  • Why You Should NOT Underestimate your Longevity, else you are left WITH MORE LIFE THAN MONEY.




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Week 4: You will learn…

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  • The Composite Retirement Model combined from Week 1 to Week 3 to Achieve Capital Preservation & Growth and Income during Retirement.
  • Debunk the some of the Most Common Myths in Traditional Retirement Planning and Why It Is Flawed
  • How to Build A Confidence Interval to Manage the Risk of Living Longer than Expected
  • Sustainable spending & creative life planning – annual withdrawal according to (3-4-5)% Golden Rule
  • Why you Cannot Just Pluck a Historical Average Investment Return of the Market or Funds to do Projection, and how to Resolve this
  •  How to Get Compounding Interest on Income Generating Asset which beats inflation rate by Twice, on top of the Capital Appreciation which naturally hedge itself against Inflation
  • How to Get this with High Certainty even During Recession
  • How to Visually Represent Everything in a TimeLine Graph
  • The one more thing that is certain in post retirement life, besides death and taxes – and how it will erode your return
  • PLUS: Direct access to my mobile number so you could call me within the course duration to answer any further queries you might have which is not addressed in the program.




[headline_tahoma_extra_large_centered color=”#000000″]Total Value: RM 2492[/headline_tahoma_extra_large_centered]

Let’s talk about price.

How much this cost today?

[headline_georgia_medium_centered color=”#000000″]One Time Payment of RM 897[/headline_georgia_medium_centered]


[headline_georgia_medium_centered color=”#000000″]4 weekly payments of RM 239[/headline_georgia_medium_centered]

You might be thinking – Isn’t that expensive?


Let’s put things in perspective

There are more things which can cause you to Lose Big on Seemingly Small Mistake During Retirement…

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  • Listening to banker/unit trust agent that promises you potential high risk, high return investment, and then end up losing your principal.
  • Doing forex trading – making some quick money on good days, then losing a whole lot more on bad days. You end up breaking even, or even “surviving”.
  • Splurging ten of thousands ringgit for that lavish European vacation without realizing that it will severely jeopardizes your retirement life quality 5 years later.
  • Pay thousands of ringgit to a professional will writer but it would be of no use if you don’t have assets left in your retirement  fund



Is RM 897 worth the independence, self esteem, dignity, predictability, freedom, certainty and peace of mind….for the next 20+ years of retirement life?

You know what’s even more expensive?

[headline_georgia_large_centered color=”#000000″]TIME[/headline_georgia_large_centered]

You never get that back. You could spend the next 10 years of your retirement life without any sure way to manage your retirement fund, only to realize way too late you don’t have enough and now have to depend solely on your children for survival.

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[headline_cufon_font_centered color=”#000000″]Module Contents are released on the first day of every week[/headline_cufon_font_centered]

soldout BG


Click here for Instructions on Bank Transfer Payment


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[headline_arial_large_centered color=”#000000″]Frequently Asked Questions[/headline_arial_large_centered]

You will likely have objections, and I welcome that. Objections are indicators of interest, and unanswered questions which just one step away from the commitment to take action.
I Want You to have all the information you need to make informed, educated decision. Please email me if you don’t have your questions answered here:

Q: Who are you?
A: I am the founder of, one of the best financial resources/blog/site for Malaysians. I also co-founded, the first online REIT Investment course for Malaysians with KC Lau, who is also the founder of the top personal finance blog in Malaysia.

Q: What credibility do you have?
A: I am an Associate member of Financial Planning Association of Malaysia (FPAM), you can check my members directory listing at, under “Display Members by Type: Associate: Penang “. My professional background, however, is engineering. I graduated with a First Class Honors degree in Electronics Engineering in 2005 from Multimedia University.

Q: Why are you just an Associate Member and not a Certified Financial Planner?
A: To be a certified financial planner (CFP), FPAM requires members to complete all 6 modules in CFP syllabus. Due to my current full-time career commitment in engineering field, I have yet to complete 2 of the 6 modules in CFP course, one is Module 3: Tax planning and Module 6: Financial Plan Construction & Professional Responsibilities.

I have, however, completed the following modules since 2010 –> Module 1: Foundation in Financial Planning, Module 2: Risk Management & Insurance Planning, Module 4: Investment Planning, and Module 5: Retirement and Estate Planning.

Q: How do we proceed from here?
A: After you click GET ACCESS NOW button above, you will be taken to Paypal payment site where you will be billed RM 239 for the first week, then subsequent RM 239 a week for another 3 weeks. This only applicable if you pay using your Paypal account (credit card recurring payment option not supported by Paypal). After that you will be taken back to the site to register your username and password.
You can cancel any time before the next billing cycle – just drop me an email. No further billing will occur.

One time payment of RM 897 is more straightforward than recurring payment. After payment using credit card or Paypal, you will be taken back to the site to register your username and password.

Click here for Instructions on Registration

Q: Is this a hands-off program?
A: While video are recorded, I want to ensure members get the best out it. I want to ensure…so you can call me within reason, you have my number or schedule a Skype call.

Q: What if I encounter special circumstances or events which are not illustrated in any of the learning modules?
A: While I covered most common scenarios that matter to most people in retirement – like vacation, medical costs and perhaps even children education, of course I am happy to work together with you to look into it on how the special event would impact your retirement plan.

Q: Does this Guarantee I make Money from any investment?
A: No. Anyone who guarantee you make money on your investment other than putting into fixed deposit – you should run away from him like a plague.

Q: I don’t have time to attend – is this conducted live?
A: No worries, all learning modules are pre-recorded so you can take them at your own pace.

Q: How are the contents structured or content format?
A: The contents are structured to walk you through the very basics of financial concepts pertinent to retirement management, and it goes more advanced as the week goes by. Content are primarily in HD videos, which you could stream from the site or download it to your PC/iPad to watch.

Q: Is the excel worksheet attached in the learning modules?
A: Yes

Q: How about learning modules to plan and save for my impending retirement?
A: I designed the course to address the pressing needs of retired or near-retired individuals for knowledge on how to manage their retirement. In subsequent launch, I would add training videos on the proper methodology to manage your pre-retirement savings/investment to achieve your retirement goals.

Q: I dig what you are selling, but I’m  still cautious. Is there any sort of guarantee?
Yeah man, I offer 100% guarantee. If you don’t like week 1 module then email me, cancel your recurring payment and I return your most recent weekly payment. You MUST email me before the following week module start for the cancellation and refund to take place.

For one time payment, there is 30 days money guarantee.

By the way, I run REIT Method and I have 99% No-Refunds after the third launch. That is in spite of the fact  I give the world’s fairest money back guarantee for REIT Method- 30 days refunds for a 2 weeks course. I hope that gives you some perspective.


[headline_arial_extra_large_centered color=”#000000″]Closing Comments[/headline_arial_extra_large_centered]

Throughout my journey of getting CFP,  I learned this. And I try not to be overdramatic, but I will be doing you a disservice if I don’t offer you the very same method employed by any financial planner to manage your retirement assets. The exact methods are distilled into this 4 weeks program.

Let me reiterate: This isn’t a miracle or shortcut product which promises you a get-rich-quick way to retirement. It takes work…hard work that is well worth the outcome you’ll get. Plus, if you are not planning for retirement now, then you are NOT a good fit for the program. Thus, I don’t want your money.

What is offered in this program, is a DIY blueprint for prudent retirement management. It is not a GUARANTEE of success, but it is a blueprint and methodology you can use to see the BIG PICTURE impact of different financial decisions you make in your retirement years without relying on anyone. The very least, if you do need help from a financial advisor, you are BETTER INFORMED and FINANCIALLY EDUCATED to know what further help you need when sourcing for financial products. And that, will earn you respect and PREVENT YOU FROM BEING SOLD financial products you don’t need.