really untung if you can find very cheap personal loan.

100k in epf at 6% average is 179k, vs total payment of 127k.


those with house fully paid can also re-finance, cause house loan interest is really low, throw into epf also a positive.

but epf is a locked investment, so keep that in mind.

but if you are nearing 50, it's a smart choice.

you terus put 100k into epf .... first month of first year.

thats true, you are right.

my scenario is using a fund you dont own, to grow your pot. - a good debt

your scenario is using what you have, to grow your pot. - a prudent saver

what is OPM?

EPF Dividends Are Calculated Based On Daily Aggregate Balances. As a national retirement savings fund, EPF takes our contribution savings and invests in various asset classes to generate revenue and ensure that its members receive a minimum dividend of 2.5% every year.20 Jul 2023

just a discussion of a good debt vs bad debt.

people who get it get it, people who don't - it is ok.

why do i feel you only have one emoji on your handphone/ pc

🤦🤦🤦🤦🤦🤦🤦🤦🤦🤦🤦🤦

. Yes. Contribute now

It'll be in Jan 2024

if you want dividend for dec, your fund should be in before 1st dec.

my heart....

today i went to epf new building near sungai buloh...

wah, so huge, so grand, so big....

our money all put to build nice building ....

me too. price goes up or down, also get paid handsomely

easiest job in the world. handling people's money to invest while earning a % of it.

EPF 2023 Dividend - TIKAM list

Above 6%
virtualgay - 6.88% | 6.44%
yungkit14 - 6.50%
ikanbilis - 6.30%
oks911 - 6.25%
tehoice - 6.15% (+- 0.05%)
kiwifruit - 6.1%
Kens88` - 6.1%
romuluz777 - 6.088%
sj - 6.05
Netcrawler - 6.05
nexona88 - 6% +/-
tifosi - 6%
Pseudomonas - 6% (upper limit 6.5%)
leo_kiatez - 6.43%

Below 6%
gashout 5.95%
Gamenoob 5.92%
poweredbydiscuz - 5.85%
handsome ankle - 5.85%
ronnie - 5.5%
prophetjul 5.83%
Rinth - 5.8%

We expecting dividen some time in March?

My idol

My epf dividend can only pay an axia for now 😅

Commitment to look after health and a sound mind. Both pricey but can't be paid with money directly.

Well done sir. Always enjoy seeing all the matured trees that grow money like shalala. Takes decades to achieve your level.

Only 5k?

Can buy foldable phone. Or a laptop. Or go on a holiday.

Not a fan of speculation and unnecessary thoughts. That's why fud on epf still happening today. We shouldn't even reinforce such behavior.

App working fine. My number is beautiful as the last time I've checked.

Most people here is A.

Who shades E, you are my idola.