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If you wish to achieve your retirement goal, ,

?

The retirement fund needed at retirement is HK$

Now, you need to have HK$

or

From now, every month you need to save HK$

If you wish to achieve your children education goal,

?

the education fund needed at university entry age is HK$

Now, you need to have HK$

or

From now, every month you need to save HK$