Hong Leong Cash Builder Scheme
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 Mar 22 2023, 07:54 AM
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#1
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Junior Member
820 posts Joined: Aug 2006  
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It's been 14 years now. Thinking about withdrawing everything from HLA cash builder as EPF seems to be able to build cash better. What do u guys think? Seeing that it's already many years now for us to see the performance...
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Mar 22 2023, 09:08 AM
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#2
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Junior Member
820 posts Joined: Aug 2006
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QUOTE(MUM @ Mar 22 2023, 08:15 AM) you had it for 14 years,...is the return better than epf? Apart from the guaranteed yearly payment that is 2.43% of my capital, the current projected surrender value is lesser than my invested capital(paid premium). |
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Mar 22 2023, 09:15 AM
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#3
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Junior Member
820 posts Joined: Aug 2006
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QUOTE(MUM @ Mar 22 2023, 09:12 AM) So that means, even if the surrender value is the same as your capital, ...you just get back 2.43% per year instead of about average 5-6% if in epf... yes, you're correct. to be more accurate, projected surrender value is lesser than my capital. that means added with the 2.43% received per year, you get to breakeven and earn slightly more, as if you put it in FD. Lesser than EPF's average yearly dividend. |
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