Interesting scenario… It’s a good thought experiment... but how to compare?

EPF's case: I did a simple back-of-the-envelope calculation: if Person A contributed RM60K per year into EPF starting from 2000, by 2025 he would have about RM3.3 million (using the actual EPF dividend rates from 2000–2024). Purely in terms of amount, that’s already very respectable.

The tricky part is making a fair comparison with property. How do we benchmark Person B?
How many properties do you expect him to successfully "own" and their value for the comparison to be meaningful? Do we assume only prime locations (with the benefit of hindsight), or do we include average or weaker locations as well, including areas outside Klang Valley?

wah... too greedy already...

I would have settled for getting the 10,000 bitcoins by paying 100 usd (the pizza story was 10,000 for 42usd pizza) and call it a lifetime deal... at hindsight... lol

yeah.... but it is still interesting to see how others think about missing out investment vs what they currently have...

like mum's example... i won't have bought btc even back in 2011 pizza story, but i used to own msft and amzn in post nasdaq crash... if only I held on... lol what-if story...
I definitely no money to buy a double story in bangsar back in 2000.. not even of age to sign loan too! let alone 60K rm deposit or payment.

maybe gov prioritizing tax refund... since PMX said up the fund to 4 billion for this tax refund exercise.

wah... want to work to make sure children (young or old children? hehe), wife (luckily not wives) and extended family (lateral and lineal together presumably)... everyone relies on him.
oh... company owner who is not salary based.... hmmmm... so he doesn't care about income...

EPF should change the contribution rules to allow contribution past 75... maybe to 90 or even 100.

haha... I also know only of that atok with such longevity...

then all the more reasons to change it to 90 or 100.... cos naturally not many will survive past that, which means it is a non-issue to up the limit also.

Allows the elderly to keep contributing will ensure those who still need to work past 75 have their "fresh" savings secure from scams... pity them also rite? they still had to work at the age, so don't lar pull half rug under them while they are working...

added side benefit: facilitates wealth transfer to descendants outside the traditional will and probate system.

From an investment standpoint, if your home/base currency is the same as the currency your investments are denominated in, then you'r effectively hedged. No translation gain, but also no translation loss. This is especially true when the bulk of your assets are all in that same base currency.

EPF, however, is different. A meaningful portion of its portfolio is invested overseas, and those assets are naturally denominated in foreign currencies: usual suspects mainly USD, GBP, and other developed-market currencies. Given that the ringgit has strengthened all this year, fair to say EPF will see some translation losses when reported back in MYR terms (just the FX effect).

That said, I do find it interesting how sentiment has swung so quickly. Just a month or two ago, there were analysts confidently suggesting that EPF’s 2025 dividend could beat 6.3%, with some even floating numbers north of 7%.
Lets hope it is still close to 7%.... and who knows, someone did say if early GE, sure good div one...