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                                                              Current Monthly Expenses

                                                              We apply a 70% replacement ratio for post-retirement spending as market consensus believes most people need approximately 70% of their current spending to maintain reasonable post-retirement living standards. Therefore, in this retirement calculator, “Monthly income required at retirement” equals to 70% of the “Current monthly expenses” regardless of inflation impact. “Current monthly expenses” is also used for calculating “Total required at retirement”, but not used for calculating “Total available at retirement”.


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                                                              Feedback – Compliments / Suggestions / Complaints

                                                              We value your feedback and will be happy to discuss the matter with you in order to enhance the quality of our services. If you have any feedback, please contact us through any of the above channels. Our representative of the relevant department / Complaint Handling Officer (Manager of Customer Experience) will acknowledge receipt verbally or in writing within 2 working days. We endeavour to properly handle the matter within 7 working days upon receipt of it.