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Dear Customer,

Your well-being is one of our priorities and we want you to attain the quality of life in retirement that you deserve. So, we’ve collaborated with Bloomberg Media to uncover the connections and balance between physical and mental wellness with financial fitness and how they differ between generations. In doing so, we learnt that for affluent Malaysians to retire comfortably, certain factors will need to be met – especially in terms of addressing top retirement concerns, maintaining financial fitness and more.

A good retirement and future planning leads to an overall better quality of life

For 69% of Malaysians including Boomers, Gen X-ers and Millennials, their top retirement concerns are tied to health like the decline of physical health and higher healthcare costs1. There are also worries about financial security and how inflation will significantly impact retirement savings.

As a result, 44% of Malaysians have decided to continue working post-retirement age1. But, working alone will not be enough, especially considering the following averages for all three generations:

Average saving for retirement

*In reference to Affluent segment only.

Secure the quality of life you deserve for your retirement with the right longevity planning

To ensure you’ll get the quality of life you deserve in retirement, it’s important to set plans in motion as early as possible. This is particularly important as those who are financially fit are 4.3 times more likely to be mentally fit too1.

So, if you haven’t planned for this chapter of your life yet, you can begin with generating passive income to add to your retirement funds by diversifying your wealth through investments that are tailored to your risk appetite. These investments of yours have the chance to outperform inflation so the value of your hard-earned savings won’t decrease.

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A reminder to all our customers


Don't become a victim of scams and phishing. Remember, the police, government or other law enforcement agencies won't ever make phone calls to ask you to transfer funds to unfamiliar third-party accounts on the pretext of investigations. HSBC will never send any SMS notification with a link requesting you to log on to your Internet banking. If you're ever unsure about a message you've received, please contact Customer Services for advice. Never share your Internet Banking ID, Password/PIN/OTP with anyone. You are encouraged to change your passwords and PIN regularly.


Issued by HSBC Bank Malaysia Berhad 198401015221 (127776-V).

1HSBC and Bloomberg Media Studios conducted the HSBC Quality of Life Report, 2023 in nine markets globally with a total sample size of 2,250 individuals. The data for this article is from the ~1,800 respondents in the survey with investible assets of between USD100,000 and USD2 million.

2HSBC Bank Online Unit Trust Q3 & Q4 2023 Promotion Terms and Conditions apply. Promotion period 1 July 2023 - 29 December 2023.


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