Thanks for telling....
And hence, in that case, ...the new

IF ONLY I KNEW back then 25 yrs ago, what would happens now.
I would hv dumped 60k annually with the rest of my saving/investment monies into GOLD from 2000 and switched all to BTC from 2009 ...instead of dumped into kwsp and other equities or double story terace

Ha ha ha, ..

This post has been edited by MUM: Yesterday, 07:23 AM

The reason Unker use double storey terrace landed as the closest comparison to EPF is because that's the next investment asset which Malaysian will choose to put their money in , if they didn't pump into EPF to reach RM 1 mil.

As Unker said previously, Unker didn't need to use Excel spreadsheet to know double storey terrace will outperform EPF even without much leverage. The beauty of double storey terrace landed house is that, they continue to provide adequate hedges towards the rising real inflation, without you saving more into it.... unlike EPF which may require higher amount of saving as the inflation is climbing,( that's probably why the goalposts shifting and will continue to shift further and longer into the future), double storey terrace landed house also have very little political risk as where we have seen during COVID massive multiple withdrawal

Anyone who owns three to four double storey terrace landed house bought AT THE TOP OF 1997 ASIAN CURRENCY CRISIS will still outperform EPF despite having no fund managers.

It's not a perfect comparison. If you have better asset to suggest as comparison, then let Unker know. And please don't use bonds because we all know not many Malaysian can afford RM250k one shot of bond.

Maybe we should try single storey terrace landed house because it's so close to the hearts of all Malaysian. Please let the nerds run the numbers in Excel

Some suggested gold but Unker never meet anyone in Malaysia saving everything into gold, unlike Vietnamese. Anyone who trusted CPI number should learn from their foreign maids and get a lesson on trusting their government numbers

And before any smart Alex told Unker that we should choose a comparable asset to benchmark EPF, similar risk profile and all those financial jargons, theoretically, they are right to say so. And that's what you should answer in your finance exam so your professor will give u good marks.

In reality, everyone compares one asset to its alternative...like do I want to voluntarily contribution additionally into EPF OR do I buy a property and collect rental? Most Malaysian will choose double storey terrace landed house based on NAPIC statistics

Now everyone realise that they actually don't have much control over their savings there..and things are quite fluid and volatile there

This post has been edited by boyboycute: Yesterday, 10:44 AM

Yeah.

Right.

I'll reply here first this morning.

Using your eg of Sg banks, if you buy DBS today, the yield is still close to 6% to equal EPF's, provided EPF's dividend ann'd in Mar next year is 6 sen. BUT,... when DBS increases its dividend payout by 6 SG cts from 4QFY25 payout, DBS' return will beat EPF's return moving forward. DBS has committed to paying an additional 24 SG cts per year staring from 4QFY25.

Secondly, DBS pays 4 times a year, vs EPF pays once-a-year.

I wouldn't want to quote the historical trend of the SGD vs the MYR,... tho' I do use this trend for my own planning. Temporary weakness of the SGD is always good, and the MAS reviews OPR every qtr.

Yeah on the last para, unless,..... lhdn dives strictly into the amts. Then they might see there is a mismatch somewhere and they might query on the mismatch. Having said this,... they have other work to do besides going 'so granular' into things... unless they want to make an eg out of you..., etc, etc,.......... which most of us here won't experience.

Bros,... all these back-testings are academic,... don't waste your time analysing too much because in the world of multiple disruptions today, trends are not as helpful as they were ! Better think of how new technologies and instruments coming in are able to increase your returns, whether directly or indirectly,....

Anyway,... having said the above, it's hard for many to buy DBS today because the capital outlay is huge when needing to start here with DBS. This is so until SGX implements the board lot size to 10 shares per lot,... which will have more ann'ts next mth.

If DBS price is $58 then, 10 shares will need just SGD 580 to buy which will be more affordable for everyone. Hmm,... but if everyone is able to buy,... the share won't stay at $58 for too long.

One can invest any additional amt into EPF, I think,... subject to a maximum limit of RM100k per year - this is more affordable.

Bro Wedchar likes my inputs this morning.

Thank you, bro,....

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.

Not many can afford to max out EPF voluntary contributions.

Unker's comparison is on those who have the money to invest in both.

Like what Unker said, those who have mediocre amounts in EPF will continue to do so even after policy changes. Changing goalposts is pretty ineffective

Part of the problem of low amount in EPF is due to withdrawal during COVID. So, EPF should not be controlled by politicians

This post has been edited by boyboycute: Yesterday, 11:07 AM

I seriously doubt that 1M double storey terrace is this huge.

Actual floor space Inside, outside and location

I can guarantee it's the Person B - because we also have property "boom" the period until recently where the property is more lagging. And also because I do have example comparing with friend who is A, now having difficulty to get a property, but if Person B need to shore up the EPF, just can do a refinancing. This scenario assume both Person A and B are working and earning similar salary range.

My house almost the price range but the total area 528 (outside) + 2200 sq (inside), still way less than 6K sq feet. Most of the terrace, esp in KL area only with the land size of 20*70 (that is consider big already)

Even without 10 shares per lot, it's just 5.8K now. It's not BRK.A

the more i read from here the more i feel i am a failure
i stay in a medium cost apartment

Don't take it too serious here bruh.

Here too many self-claimed pro investors that can outperform most trust managers in the market.

Only god know the truth.

Yes, you are right about the terrace n the sqft area, thanks for the corrections.
but for a little bit of money more can hv a much bigger place.




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Don't compare.

If you compare, even if you have 10millions now, when you look at those who can afford 20-30mil bungalow and still have lots of cash to use, you might still feel yourself is a failure.

Selling house might not easy, might take time. And there are other factors like the location of the new house, the house price, the uncertainty of the neighbourhood's quality, etc

yes,.....but if the circumstances and need arises,......then,..

You are using a 'bad' comparison against the mass mkt investors.