Timing Is Everything

Today, Bill, a friend of mine (43 years old) becomes a father. His wife just delivered a very healthy baby boy of 3.2 kg in weight. I am very happy for him because the couple's wish eventually cames true after 4 years of marriage.

When the son reaches age 20 for university education, Bill will be age 63. By then, he probably would have retired from his employment. He and his wife probably will live on with his retirement fund or EPF.

Malaysian survey shown that most EPF contributers use up their savings in merely three years after reaching age 55. I hope Bill's savings can keep him financially healthy and physically healthy when his son is 20.

Timing is simply EVERYTHING !!