Yes, couple with public bank, easily win kwsp return.

Some banks can pay good dividend when times are good, but their underlying asset might be risky. So if times turn bad, they will have problem with their earnings, and dividend will greatly affected.

There is one more company worth looking into if wanna invest for longer term: TimeCom. They have great balance sheet, with growing business and paying good dividend.. Maybe you can study this company a bit more to get more insight.

Actually wealth making process is boring, only gambling is exciting So whoever introduce something 'exciting' to us, better be careful.

I also scratch head hearing this

When enough is enough, it's enough 😂

https://www.kwsp.gov.my/ms/web/guest/w/list...1-december-2020

Take a good look at all these companies that EPF hold substantial percentage, then we will realise not many are actually performing well.

This post has been edited by Super2047: Apr 9 2023, 11:55 AM

Make it harder to withdraw so that can spend less right? Like credit card, spend without any hassle, end up spend more.

There are 3 things we must learn in order to do well financially:

1. Make money - upgrading your own self so that you can have better earning capability.

2. Save money - learning to control what is need vs want. What is asset and what is liability.

3. Invest money - everyone has few good chances to become really rich in life. Whether one sees it, we need to learn how to invest when opportunities arise.

Unfortunately, as you said, no 3 which is so important, yet so little was taught in the entire schooling time.

Do you know where the profit went to? It went to the management fee. A lot of UT charge 1.5%-2% management fee annually. If the UT make 8%, only 6% distributed to shareholders. If the UT lose 8%, shareholders lose 10%. So earn, you earn lesser, lose you lose more.

SVB sudah demo

Make sure that the personal loan do have the interest rebate if you settle early. If not, it's not worth to settle.

This post has been edited by Super2047: Apr 12 2023, 12:03 PM

Not under your control though. haha

When you do charity for a return, then there is no return. Not I say one, from a very famous monk

Got people everyday smoke few packet of cigarettes also cannot die at 100. hahaha

by all means, FoGuangShan!

mesti boleh when we pay for the mbsb installment, just treat it as self contribution lo, then white white earn the difference.

Bro, share share how you plan for the more rewarding stuff can?

tunggu maklumat lanjut fasa 2 untuk golongan muda like you

Money game also considered as investment? 😂

OK la, uncle batman only allocate 1-2% to these 'investment', will not have any impact even tak jadi.