Del

This post has been edited by boyboycute: Nov 13 2025, 10:10 AM

Someone need to re-audit their maths in school.

Everyone knows employers contribution comes from "employee paycheck".

HR manager already took care of the calculation before making salary offer to any employee.

If the HR manager didn't include it, most likely, the boss won't keep him there very long

Everyone already have future plans when it comes to additional voluntary contributions.

When EPF increased the voluntary contributions from 60k to 100k to replenish the COVID withdrawal, those contributed maximum would never thought the goalposts will be moved and changed.

The main point is not the RM 300k extra for the next 3 years. The main point is the lost of confidence.

Do you get the main point?

The movement of goalposts should have been applied to new account only

Once trust and confidence shaken, there will be hesitation to Max out the RM100k voluntary contributions anymore.

They will just move to ASM for liquidity purpose, fearing that goalposts in EPF will be adjusted every 3 years with new slogan and acronym

This post has been edited by boyboycute: Dec 3 2025, 10:13 AM

Many old account holders planned to retire after they achieve RM 1 mil. Now, they are told that they might not have enough to retire. It's extended further to RM 1.3 mil.

Adult working so hard, paid so much taxes to achieve their dream plan but suddenly someone they voted into the government want to "father mother" them how they should use their money, when they can use their savings

Retirement age is different for everyone. Some may plan to retire in 40s, some in 50s and some never retired. Their lifestyle could be very different and cost differently.

Funny to see how many try to spin their narrative on when hardworking fellas should use their money. It's their responsibility to plan for their retirement. They no longer need "father mother" to tell them how or when.

The job of EPF is to protect the savings of the people against corrupt politicians and grow the money at most optimum way. That's how EPF can ensure good retirement life for Malaysian. What's the use of saving more when the real inflation exceeded the return of EPF???

Not in absolute number

Just its value

But if you study what happened in Argentina, Venezuela,Sri Lanka, Indonesia etc, you'll get the picture and probably consider changing your naive statement

This post has been edited by boyboycute: Dec 5 2025, 06:59 PM

Account 1 already 75% of contribution. Goalposts of moving retirement age is now in discussion. Your solution is faulty. Any more idea as all doors are now closed

You made it so clear as the sky

Many are still in delusional Dreamland, thinking about how their retirement savings going to make their retirement life better.

They didn't realise that the price of double storey terrace landed house already above RM 1mil

Retirement cost is going (already climbed) to climb beyond the returns given by EPF. Only some still believe the fancy CPI number given by raw basket of goods

Ringgit appreciated 8% against USD this year . FX Losses is going to dominate EPF dividend this year

This post has been edited by boyboycute: Dec 7 2025, 01:11 PM

If you run a scenario analysis and compare Person A who saved diligently into EPF from 2000 until 2025, max out his RM60k voluntary contributions VS Person B who earned the same amount but invest his savings into buying up landed double storey terrace house, who will be richer today?
Assume Person B is a small business owner who didn't need to contribute into EPF at all and earned the same salary as Person A.
Doing the similar thing today expecting different results is insanity

Unker know a lot of Person B. They didn't trust giving money to others to invest. They just stuck to plain vanilla investment which was buying up houses in their own neighborhood. They don't need permission from "Father mother" to take out their money. They just refinance their properties

This post has been edited by boyboycute: Dec 7 2025, 04:18 PM

Wah, my friend....you "draw a doll until so so real," later xxx will launch attack on you. Unker already got SUS several times for giving alternative opinions. Remember that xxx got heavy marketing and advertising budget to prop up the narrative.

Marketers and cyber troopers are on vacation today. Weekend not working . They need to rest.

Wait for working days. They'll launch nuclear campaign to smoothen the narrative of their pay master

The reason Unker use double storey terrace landed as the closest comparison to EPF is because that's the next investment asset which Malaysian will choose to put their money in , if they didn't pump into EPF to reach RM 1 mil.

As Unker said previously, Unker didn't need to use Excel spreadsheet to know double storey terrace will outperform EPF even without much leverage. The beauty of double storey terrace landed house is that, they continue to provide adequate hedges towards the rising real inflation, without you saving more into it.... unlike EPF which may require higher amount of saving as the inflation is climbing,( that's probably why the goalposts shifting and will continue to shift further and longer into the future), double storey terrace landed house also have very little political risk as where we have seen during COVID massive multiple withdrawal

Anyone who owns three to four double storey terrace landed house bought AT THE TOP OF 1997 ASIAN CURRENCY CRISIS will still outperform EPF despite having no fund managers.

It's not a perfect comparison. If you have better asset to suggest as comparison, then let Unker know. And please don't use bonds because we all know not many Malaysian can afford RM250k one shot of bond.

Maybe we should try single storey terrace landed house because it's so close to the hearts of all Malaysian. Please let the nerds run the numbers in Excel

Some suggested gold but Unker never meet anyone in Malaysia saving everything into gold, unlike Vietnamese. Anyone who trusted CPI number should learn from their foreign maids and get a lesson on trusting their government numbers

And before any smart Alex told Unker that we should choose a comparable asset to benchmark EPF, similar risk profile and all those financial jargons, theoretically, they are right to say so. And that's what you should answer in your finance exam so your professor will give u good marks.

In reality, everyone compares one asset to its alternative...like do I want to voluntarily contribution additionally into EPF OR do I buy a property and collect rental? Most Malaysian will choose double storey terrace landed house based on NAPIC statistics

Now everyone realise that they actually don't have much control over their savings there..and things are quite fluid and volatile there

This post has been edited by boyboycute: Dec 8 2025, 10:44 AM

Not many can afford to max out EPF voluntary contributions.

Unker's comparison is on those who have the money to invest in both.

Like what Unker said, those who have mediocre amounts in EPF will continue to do so even after policy changes. Changing goalposts is pretty ineffective

Part of the problem of low amount in EPF is due to withdrawal during COVID. So, EPF should not be controlled by politicians

This post has been edited by boyboycute: Dec 8 2025, 11:07 AM

According to Retirement Adequacy Framework{RAF} you'll do just fine.

Anyone who use RAF in reality for their retirement savings target will probably......

Unker came from the era which some fella advertised on big billboard "Simpanan untuk menjamin Hari Tua anda" when you're driving through the highways.

Luckily, Unker laughed it off and invested in the property market instead.

Recently ,Retirement Adequacy Framework RAF came out. At the same time, Unker just sold one old double storey terrace landed house for RM900k. Then,Unker pumped the money into EPF because already near retirement age.

So, the real Kung Fu here was Unker invested in property market and then transfering the profit into retirement savings. The Mr market just helped Unker to save for retirement. That's why Unker never understood when young chap maximising his RM 100k voluntary contributions. There's better place for that money to generate returns with minimum risk. Why waste after taxed equity?

According to Retirement Adequacy Framework, if you have RM 1.3 mil , you should be fine during retirement. But when you look at your statement amount and then, look at I Property website prices, deep inside, you know something isn't right somewhere

This post has been edited by boyboycute: Dec 8 2025, 01:35 PM

Invest in what you know especially what you can control

When you give your money to others, it's no longer your money

You have very little control over it

Promises can be broken. Trust can be betrayed. Nothing is guaranteed.

Anything which comes with guarantee or promise.... usually you're paying for it