Dear Mr. Wong, All sifu,

My wife and I are 30 now, just married early of this year, maybe will planning to get child after 1 year, here is my financial status:

our montly net income: RM3800 (me)
RM2600 (wife)
side income : RM300 (minimum)

joint expenses: car loan (mine: RM780/month until DEC2013, wife: loan settled)
house laon RM750 (still owe RM200k, bank value RM280k)
petrol, tol RM400
food RM700
phone bill, internet: RM200
electril bill : RM60
water bill: free
ptptn (me): RM66 (only pay for interest, still owe RM30k)
others (family, grocessories): RM600

Our company do provide medical card, so we not yet buy any insurance.

FD : RM10k
saving account: RM25k

EPF : RM72k (me)
RM37k (wife)

I am in the dilemma on the below situation, so i am looking for your valuable idea:

1) we are thinking of withdraw EPF account 2 for investment (RM30k, we are still entitled to withdraw the money because previously we never withdraw the EPF money and our 1st house S&P still within 3 years ), (mostly invest on 2nd house, ASW, business or others, any idea?), Is this decision OK? or just leave the money inside the EPF

2) my house laon is semi flexi loan (now interest is 4.2%, lock in period left 6 months, should i top up the loan for investment or change to flexi loan and top up?)

3) If you were me, what would you do with my current financial status?

Thanks in advance

This post has been edited by iamsolucky: Mar 26 2012, 11:43 AM