I don't really understand...
do you mean that you subscribe to the idea that all in into just 1 asset is the optimal solution for you? so since this is EPF's thread, so you mean all your wealth into just EPF?

isn't that a bit too aggressive a asset allocation?

You don't think putting practically 100% of your wealth into EPF is actually aggressive?
That is the general definition of putting all of one's eggs into a single asset... and is generally considered risky and aggressive.

same thing if we choose another asset class like gold or bitcoin or pure cash in ringgit papers. if everything is in just one thing... it is too aggressive a asset allocation.

But really, I am not here to judge... I just stated what is conventional knowledge. Nothing wrong with going against conventional wisdom, if you are fully aware of your choice.

Out of curiosity, how old are you (age bracket will do)? cos the same advice cannot be given to someone who is like 20 years old... just saying.
(I guess the older one is, maybe can all in into EPF as it does provide a lot more benefit and protections and some estate distribution features)

Like for my case, I like EPF as much as the next joe (I've stated this many times in this thread), but even so, the highest allocation ever in EPF was maybe 40% when I was working. now, it is like low teens... maybe cos of my age and hence the allocation.

This post has been edited by Wedchar2912: Jul 13 2025, 12:06 AM

ah... ok...
I am a different age group from you... me the gen that kept on asking y...

luckily, the ceo of epf actually agrees with you... and hopefully he will ensure that the transition is smooth and fair to all members...
he did say if there are any changes, it should start with the new cohorts...

And there I thought you were pro brain.

But telling everyone it is OK to throw everything into just one asset. One platform. One body. One entity.

Just chill and sit down and think about it. No matter how safe something is, it is never a good idea to put everything into just that one thing.

Edit: I just realised.
So in your opinion, future policy changes restricting withdrawal (risk of changes) is not a concern at all? And hence it is acceptable to just put all your funds in EPF?

This post has been edited by Wedchar2912: Jul 13 2025, 11:14 AM

I didn't realize you are so right. Lol.

It is always smart to throw everything into just one platform. So right.

Haha.

It's kinda funny.

Many does the opposite and different things vs what they preach here. It is kinda weird how human behavior is. If I didn't know better, these people maybe trolling.

And many still don't realize how silly it is to rely on just one platform.

It's like nowadays knowing how much scams or system issues etc.. And actively telling your dad it is OK to put all your money into Maybank. No need to have excess cash elsewhere.

And then a weekend comes and system tergendala. Or worse... Kena frozen for scam.

This post has been edited by Wedchar2912: Jul 13 2025, 11:08 AM

ah... the question is.. would you put 99% of your networth into EPF today?
(I use 99% becuase some indicated that it is acceptable and seemed to even encourage others to put everything into EPF).
also even pure gold is technically classified as 99.99% gold...

as much as I like EPF, this is very silly and especially so the younger one is.

wah... don't lar go state it so obvious... this is a public forum....

lets just give uncle the title of sterling multi-millionaire....

This post has been edited by Wedchar2912: Jul 13 2025, 12:27 PM

yeah, not much of a effective diversification... but it is still a diversification away from risks of sorts...

at least it is a big step better than putting "everything"/ 99% of one's wealth into just EPF alone... no matter how much one thinks EPF is safe.
ie, at least can reduce drastically certain idiosyncratic risks.

(the advice stands... it doesn't have not be EPF... gold... or pure cash in paper form... or all cash into maybank account... or all cash in a e-wallet... or all in usd t-bills... or all sitting in moomoo... or all in bitcoin...)

This post has been edited by Wedchar2912: Jul 13 2025, 05:17 PM

physical gold still the best... can touch... can smell... and can look at...

i still have not dipped my toes into gold yet.... all the glister but still procastinating.

yeah, all investments have elements of uncertainty... thats why they are called investment.

managing one's portfolio involves allocation of assets. I have yet to prioritize allocation of my wealth for the sake of passing them on as inheritence yet...

ops... i think I better not say too much about gold here... cos just realized this is EPF thread...

This one you really overthinking it... my response about physical gold being the best was in reference to the gold discussion... (all things in gold, my opinion is still gold in physical form is the best form... not paper gold, or gold inside someone else's vault... etc)

which afterwards I realize that maybe we should not be talking too much about gold since this is a thread about EPF.

I copied and pasted the chain of discussion for you to follow.


This post has been edited by Wedchar2912: Jul 15 2025, 02:56 PM

kwsp website also cannot login...

edit: now at around 9pm... kwsp website can login already.

This post has been edited by Wedchar2912: Jul 16 2025, 09:09 PM

no idea... everything looks the same... no extra 0 for my balance... lol

first mover advantage... just need to be faster than everyone else in exiting the door...

hopefully EPF is able to also time when to reenter again...

Ah. The question is.... Can one get the timing as beautiful as EPF?
Impressive leh the timing.

u still don't get it?

I also bought a bunch of sunway group shares when it was sub 2 ringgit... and took profit just a few months ago.
EPF's one is way better timing lor...
if I have their ability, then I could exit at near 5 handle..

way way way better timing...

This post has been edited by Wedchar2912: Jul 21 2025, 02:17 PM

and you don't think EPF's timing is good? in fact, almost perfect?

like you said, why not look at the trades EPF been doing and the volume sizes all the way till 14th Jul... and then 14th Jul got one big disposal of 20 million shares... 5.95 closing price... and like you said, no longer substantial shareholders means no one knows how many shares EPF is still holding. could be some... could not none.

now when did the macc news start coming out? what I am aware is the name of the firm came out today or yday...

I wish I have interest to follow through the news sequence... or care about sunway groups anymore for the time being since I have no shares.
I am just impressed at EPF's skill in timing and execution! damn near perfect...

hmmm....
very very very possible....