Diversification is always good, but EPF is still one of good choice or one of core retirement planning for most people as not many people are good in investment into risky asset.
Diversified, then end up losing capital, which may be worst than no diversification.

Beware the newly foreign investors's 899 US section bill for those intend to have diversification into US investment.

yeah... most ppl think of epf as a prison locking down their money   can see cannot touch... just waiting on 55 to finish sentence for full withdrawal

myself didn't pay attention until triggered by waifu moving funds around chasing fresh fund fd... so much hassle imho... managed to convince her to max everything into epf... lol...

for some ppl... epf can be an ideal vessel... doesnt have to wait on age or 1+ mil... just have to plan properly...

bro after few postings
u sudah confused lah
forgotten the main issue at hand

we are talking about a young retiree
keep just enough in EPF
use EPF as ATM machines
for his weekly expenses

what is fake  you tell me?
you dont believe  he got money?
you cannot understand how 1.1M can affect him?

issue a challenge pulak
called him so hai, dont know planning
want to teach him etc ect

he is reading your posts you know:lol:

maybe he just turn a blind eye
remained silent so far....

For me:
EPF- High CASA
Foreign equity portfolio- higher risk assets
Gold- long-term ringgit inflation hedge

Runggit millionaire is nothing to speak of! 😅

Can move it thru i-saraan. It's what I am doing.

If you want diversify because fear of EPF failure, then have to look out of the country already, like foreign currency/stocks or Gold/Silver. Because if EPF fails the entire Malaysia economy will take a hit too.

If lost mobility, better die....lie in bed waiting to die...what's the point....no amount of money will be of any use....i rather go die first...hire a hitman to take out myself when comes to it.

I wish is that simple
My dad told me many times he wants to die but in Malaysia it is not that simple
Anyway start to plan early and make sure to always exercise and stay healthy once u reach 40++
Don't wait till is too late
Control your weight
Control your food
Check your blood
Do body check up regularly
Don't wait till there is a problem baru go see doctor
Preventive maintenance needed for cars and for human body as well
Happy planning

Salam Madani kakaka

It would be darn lucky if the offspring doesn't come back to ask for money, these days.
Unfortunately kids aren't dependable these days.

1 quarter do well analyst say higher dividend for 2025...
Next quarter do bad analysts will say lower dividend compare to 2024
Even I can become analyst just say it out without backing by any actual data
No need do any calculation

if inflation is 5%... and epf is 6%... what is the problem?

seems like y'all like to worry about nothing... create scenarios to have sleepless nights...

Its forecasted epf dividend will be 5.8-6%?

Can see them trying to lock the funds longer if not forever. Recently I talk to people from the finance line, they all generally agree that most if not all pension/retirement funds are Ponzi scheme by nature, thus when "uplline" more than "downline" (aka aging society), will start to lock or can withdraw via installment or maybe incentivize people putting in longer than expected. But these funds will not crashed like Ponzi scheme because it will mean the demise of the country/government and a reset is due.

Although my plan is never to withdraw all, but rather just the dividend for my expenses, I will prefer it as and option instead of enforce. Once enforced, many people will think the time is up.