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 EPF DIVIDEND, EPF

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Unkerpanjang
post Apr 11 2023, 06:46 AM

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Just beware! Let this probable scenario sink into your mind.

This thread has been infiltrated n compromised by kwsp multi-millionaires masquerading as wannabe millionaires.

We r their daily free clinic session for not taking things for granted, reminding them claim their situation with gratitude.

"Are you not entertained?" Maximus Decimus Meridius.



This post has been edited by Unkerpanjang: Apr 11 2023, 07:02 AM
Unkerpanjang
post Apr 11 2023, 10:42 AM

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Let's have a thorough dialogue...need Sifus young n wise to participate.

user posted image
Unkerpanjang
post Apr 11 2023, 11:36 AM

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QUOTE(dwRK @ Apr 11 2023, 11:23 AM)
politicians force them to sell because of the many 10k premature withdrawals the politicians gave... there is no cash crunch because already done deal... unless get forced again...
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Aiyoh! Make my blood boil le.
I said clever Sifus.....I didn't mean clever AND honest Sifus!

Was hoping gomen increase self top up >>$100K, just this year oso ok.

Now Bro pecah rahsia liao. Pls delete Bro text can ar?
Unkerpanjang
post Apr 11 2023, 04:49 PM

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QUOTE(nexona88 @ Apr 11 2023, 04:44 PM)
81pct EPF members cannot live above poverty level after retiring

Only 19 percent of EPF contributors have reached the basic savings level based on their age to enable them to have RM240,000 in savings by the age of 55

Around 156,000 contributors out of 275,000 members (56 percent) who are 54 years old now - have savings of RM50,000 or less.

"This sum of RM50,000 can only provide a retirement income of around RM208 per month for a period of 20 years,"

Until 31 Dec 2022, more than 51 percent of the 13.1 million members under the age of 55 have savings of RM10,000 and below in their EPF accounts.

Of this total, 1.7 million or 26 percent are members aged 40 years and above, that is the group that will reach the full withdrawal age of EPF savings in 15 years or less
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https://www.malaysiakini.com/news/661839
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Bluddy sobering info n glimpse of Mad Max future for our Nation.
Unkerpanjang
post Apr 11 2023, 05:01 PM

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QUOTE(batman1172 @ Apr 11 2023, 04:52 PM)
"This sum of RM50,000 can only provide a retirement income of around RM208 per month for a period of 20 years,"
is this a mistake. inflation 0% ?
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Gradual n visible destruction of lifestyle.

From affording a chicken drum stick to ribs n finally to bones to just boil soup.
Unkerpanjang
post Apr 12 2023, 05:41 AM

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QUOTE(gashout @ Apr 12 2023, 04:30 AM)
I don't talk much about ASB. It's a system other races have no access to.

But yes. Reports should report both ASB and epf. Not just showing stats on epf. So misleading.
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Yup, same here...

i dont follow American Savings Bank, not a player there.

While the Earth Preservation Fund has potentially strong due to carbon credits.

Just my own opinion. Dyodd. icon_rolleyes.gif
Unkerpanjang
post Apr 12 2023, 07:19 AM

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QUOTE(ftan @ Apr 12 2023, 07:02 AM)
Thank you for the valuable info.

I went to epf yesterday and did the tac registration. After that the epf officer advised me to do manual withdrawal to save an additional trip. My purpose was mainly to kick start the online withdrawal for future convenience.

Overall, the process is very smooth with a lot of helpful epf officers. Really happy with their service.
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Unker sincerely congratulate Bro for successfully completing your career journey, now is entering new phase, the time to relax, enjoy n be merry.


Unkerpanjang
post Apr 13 2023, 05:38 AM

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Kanashii!
Kono shinario wa oyaji fukushi hinkon ni niteimasu ka?
Middle age destitute.

This post has been edited by Unkerpanjang: Apr 13 2023, 05:40 AM
Unkerpanjang
post Apr 13 2023, 05:52 AM

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QUOTE(CommodoreAmiga @ Apr 13 2023, 05:43 AM)
Good. Filter out as many sohai as possible. Never read, terus apply. Ada tangan ada kaki also wanna withdraw EPF.
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Give chance lah.
Unker oso wan apply. Maybe like ptptn n Saman...20-50% diskaun? Huat lah.
Unkerpanjang
post Apr 13 2023, 06:04 AM

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QUOTE(xander2k8 @ Apr 13 2023, 05:52 AM)
Let ppl withdraw EPF and let them do what they want 🤦‍♀️

Those who withdraw this round will regret come April next year
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Good morning Bro.

Unker thinking, this is how loans evolve, when borrowing against equity. People getting more creative, soon no one even bats an eye...

1. House loan refinancing.
2. ASB loan
3. Kwsp loan
4. Car loan refinancing
5. Pajak gadai emas, Rolex, etc.

I think next phase will be sell kidney, etc.
Unkerpanjang
post Apr 13 2023, 08:14 AM

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QUOTE(CommodoreAmiga @ Apr 13 2023, 07:37 AM)
Dey, you multimillionaire apply what ?
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Good morning, Bro.

Yes, even at my advanced age.

It's everyone aspiration to improve from multi-millionaire to be multi-millionares. (Same as improving my Inggeris)
Unkerpanjang
post Apr 13 2023, 08:28 AM

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QUOTE(CommodoreAmiga @ Apr 13 2023, 08:21 AM)
Sorry bro. You England not powderful. One person with many millions is a multimillionaire. Multimillionaires refer when a bunch of them multimillionaire lepak at Kopitiam.
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Bro, you sure boh...wait, I go checking my First Aid in English n British Council ref book.

I was always taught, for plural just add 's'.

What u meant is MULTIS-millionaire.

This post has been edited by Unkerpanjang: Apr 13 2023, 08:30 AM
Unkerpanjang
post Apr 13 2023, 08:44 AM

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QUOTE(CommodoreAmiga @ Apr 13 2023, 08:31 AM)
You can go check and thank me later.  The only way you can be a multimillionaireS is when you know Naruto's Shadow clone Jutsu.
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Whey, Bro...we have common hero le.

You go watch 'Demon Slayer S2' complete liao.
Unkerpanjang
post Apr 13 2023, 08:46 AM

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QUOTE(dwRK @ Apr 13 2023, 08:42 AM)
come i twist it more for you...
innocent.gif
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Ya lar...nowadays Parents kiao su.

Important impart the teachings to next kin....no drugs, no cigi, no tattoo, no follow Unker 4D. Dumb like Unker still ok.
Unkerpanjang
post Apr 13 2023, 08:47 AM

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QUOTE(CommodoreAmiga @ Apr 13 2023, 08:45 AM)
I thought season 3 now? Still not complete yet on Netflix
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Unker watch Hdtoday.
Unkerpanjang
post Apr 13 2023, 10:14 AM

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QUOTE(Cubalagi @ Apr 13 2023, 09:45 AM)
U need to calculate the interest with the dividends you receive. N the dividends are compounding while the interest is reducing balance.

I think its ok to put back to kwsp, but I personally go for more rewarding things.
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If like that worth it le... Park $$$ with wife, parents.

Then everyone take loan, $50k x 4 = $200k.

If get 1% margin, annual compounding interest $2k.
Unkerpanjang
post Apr 13 2023, 12:04 PM

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QUOTE(Wedchar2912 @ Apr 13 2023, 11:49 AM)
You want to be a deca-millionaire is it?
multi usually implies more than 1 and is understood within the finance circle to just mean that.

Centi-millionaire is the other level you can aim.
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Walau! Unker trying to digest all the interest vs loan msg. Already headache.

Now kena like WWE, tag team champion (Commodore Char) beat me up.

Unker beg for mercy. I know Poor English is my fault.

Unker actually decimal-millionaire.

This post has been edited by Unkerpanjang: Apr 13 2023, 12:06 PM
Unkerpanjang
post Apr 13 2023, 12:16 PM

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QUOTE(Rinth @ Apr 13 2023, 12:09 PM)
yea missed out the opportunity cost of getting interest from installment...thats why the calculation are skewed..
unker no need fret...conclusion is not really worth it LOL.
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Decision clearer now...Bro Xander, Rinth says No Go.

Unker waiting Cubalagi, decision, then we move from this topic of borrowing to dump into KWSP.
Unkerpanjang
post Apr 13 2023, 12:22 PM

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Orh....No Go, win lah! Kamsiah all.
Unkerpanjang
post Apr 13 2023, 12:48 PM

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QUOTE(Cubalagi @ Apr 13 2023, 12:44 PM)
I already said I borrow wont dump back into kwsp.
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Ok Bro, I missed the msg. Thanks.

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