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 EPF DIVIDEND, EPF

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SUSbronkos
post Sep 16 2019, 09:21 PM

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QUOTE(guy3288 @ Sep 16 2019, 09:17 PM)
Perhaps i should say i will get 8-10% pa from these latest 2 additions

So far my units are 100% all occupied, and whenever old tenant leave, next one comes almost as fast
Last 7 years i dont remeber having any unit vacant for more than 1 month ,
where to find la rental so cheap like that?
These 2  new units would not be any difference.
Both units are tenanted now one RM350 and another RM450,
My agent had visited and told them the units have been sold,
new owner going to increase rental to RM450 and RM550

The Rm550 has agreed , told us do some minor repair fixed a door grill.
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Both units for less than RM500 per month? What property izzit? Care to share?
SUSbronkos
post Sep 16 2019, 09:56 PM

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QUOTE(nexona88 @ Sep 16 2019, 06:18 PM)
Don't know if u guys realized or not..
There's this one investment guru.. that I always see in FB ads...

He says EPF is kinda "Haram" not following shariah rules... Example is Genting Plantation... He says yes EPF Don't invest in Genting but the initial $$ does come from it.. so whatever profit from Genting Plantation is considered "not clean"... So now promoting Pre-IPO shariah compliant investment....

And best part. There's many fall for it too...
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There are many god wannabe in this country. pretty sure when the judgement day comes, they gonna get it real hard.
nexona88
post Sep 16 2019, 10:17 PM

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QUOTE(bronkos @ Sep 16 2019, 09:56 PM)
There are many god wannabe in this country. pretty sure when the judgement day comes, they gonna get it real hard.
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Well they using religion as their marketing strategy..
Which actually working quite well....

Let's see when real shit happen.... Then they all says EPF better, but then it's too late...
Hansel
post Sep 17 2019, 08:16 AM

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QUOTE(Ramjade @ Sep 16 2019, 07:28 PM)
I put my parents pension money into EPF. Beats FD any other day.
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Beating FD only ? Enough to makan or not ? Enough for the occasional travelling and pleasures or not ??

Why not learn to earn higher returns ??
Hansel
post Sep 17 2019, 08:18 AM

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QUOTE(nexona88 @ Sep 16 2019, 10:17 PM)
Well they using religion as their marketing strategy..
Which actually working quite well....

Let's see when real shit happen.... Then they all says EPF better, but then it's too late...
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How you know, bro ? Maybe these people are really taking care of their afterlife ?? - Just a friendly opinion,... no sarcasm intended,...

Well,... sometimes I do think along this line too (taking care of the afterlife), after seeing many people's lives ended !
Ramjade
post Sep 17 2019, 08:19 AM

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QUOTE(Hansel @ Sep 17 2019, 08:16 AM)
Beating FD only ? Enough to makan or not ? Enough for the occasional travelling and pleasures or not ??

Why not learn to earn higher returns ??
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Parents money. Cannot risk it.
They don't do travelling. The only travelling they do is go jalan2 in forest reserve. They only eat economy rice and they like it (30+ dishes to choose from)
Hansel
post Sep 17 2019, 08:48 AM

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QUOTE(Ramjade @ Sep 17 2019, 08:19 AM)
Parents money. Cannot risk it.
They don't do travelling. The only travelling they do is go jalan2 in forest reserve. They only eat economy rice and they like it (30+ dishes to choose from)
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Okay, you win !!
guy3288
post Sep 18 2019, 03:16 PM

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QUOTE(bronkos @ Sep 16 2019, 09:21 PM)
Both units for less than RM500 per month? What property izzit? Care to share?
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touristking
post Sep 18 2019, 03:35 PM

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QUOTE(Hansel @ Sep 17 2019, 01:16 AM)
Beating FD only ? Enough to makan or not ? Enough for the occasional travelling and pleasures or not ??

Why not learn to earn higher returns ??
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6% is not bad. 10% is raising red flag already. 15% is definitely scam.


ywliang96
post Sep 18 2019, 09:42 PM

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QUOTE(touristking @ Sep 18 2019, 03:35 PM)
6% is not bad. 10% is raising red flag already. 15% is definitely scam.
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Highly agree with this.

I think most people here doesn’t really fully understand the power of compounding interest and rather withdraw their funds out from EPF to take control of their investment and go invest in UT, Stocks whatsoever.

The truth is not everyone is a great investor. Most think highly of themselves and getting burned in the end. Not saying stocks doesn’t have attractive interest but EPF is still the safest bet IMO.
nexona88
post Sep 18 2019, 11:16 PM

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QUOTE(touristking @ Sep 18 2019, 03:35 PM)
6% is not bad. 10% is raising red flag already. 15% is definitely scam.
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If really above 15%..
Why needed to share to people when u can maximize it your own...
prophetjul
post Sep 19 2019, 08:28 AM

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QUOTE(touristking @ Sep 18 2019, 03:35 PM)
6% is not bad. 10% is raising red flag already. 15% is definitely scam.
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Why is 10% red flag?

Its a norm for a 'good' investor and a good asset class.
neverfap
post Sep 19 2019, 08:50 AM

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QUOTE(touristking @ Sep 18 2019, 03:35 PM)
6% is not bad. 10% is raising red flag already. 15% is definitely scam.
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10% is still doable for a good investor
15% though is a stretch

netken
post Sep 19 2019, 07:27 PM

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hi - i am abt to purchase a house and planning to withdraw from acc 2.

Since december is almost here, can i sign the loan and spa first and withdraw next year? ie after 31st Dec 2019? Say 2nd Jan 2019? I think epf allow 3 years max grace period to withdraw?

Shall i be entitled for my entire amt in Act2 for dividend then? If i withdraw 2nd Jan but before the actual payout in April 2020, or shld i wait to withdraw after April 2020 when payout happens?

Many Thanks!
dwRK
post Sep 19 2019, 08:13 PM

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QUOTE(netken @ Sep 19 2019, 07:27 PM)
hi - i am abt to purchase a house and planning to withdraw from acc 2.

Since december is almost here, can i sign the loan and spa first and withdraw next year? ie after 31st Dec 2019? Say 2nd Jan 2019? I think epf allow 3 years max grace period to withdraw?

Shall i be entitled for my entire amt in Act2 for dividend then? If i withdraw 2nd Jan but before the actual payout in April 2020, or shld i wait to withdraw after April 2020 when payout happens?

Many Thanks!
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Bank loan 4-5%, EPF dividend 5-6%... do max out the loan and minimize epf withdrawal...
beLIEve
post Sep 19 2019, 10:14 PM

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QUOTE(nexona88 @ Sep 18 2019, 11:16 PM)
If really above 15%..
Why needed to share to people when u can maximize it your own...
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very easy. use investors money to make money. let's assume they give 15%. any profit above 15% goes to company/his pocket. any loss, "you understand la, investment sure got risk one". don't forget, in many cases, including your beloved ASN, already ask investors to sign agreement.

QUOTE(Hansel @ Sep 17 2019, 08:48 AM)
Okay, you win !!
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sure he win la. he's one of the gurus here.

This post has been edited by beLIEve: Sep 19 2019, 10:16 PM
guy3288
post Sep 20 2019, 01:33 AM

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QUOTE(beLIEve @ Sep 19 2019, 10:14 PM)
very easy. use investors money to make money. let's assume they give 15%. any profit above 15% goes to company/his pocket. any loss, "you understand la, investment sure got risk one". don't forget, in many cases, including your beloved ASN, already ask investors to sign agreement.
sure he win la. he's one of the gurus here.
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Are you sure you are talking about the same thing?
An investment that can return 15% pa?

I dont see how you can make 15% like that
sounds more like you take people's money and you give them 15% instead.

No investor will pay fee 15% pa of their CAPITAL to let you invest for them.


QUOTE(nexona88 @ Sep 18 2019, 11:16 PM)
If really above 15%..
Why needed to share to people when u can maximize it your own...
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This is saying if there is such a good investment vehicle that can give you a return of 15% pa, that person wont tell us lah.
He will keep it to himself to maximise his own coffer.

Correct me if I am wrong nexona88
beLIEve
post Sep 20 2019, 02:44 AM

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QUOTE(guy3288 @ Sep 20 2019, 01:33 AM)
Are you sure you are talking about the same thing?
An investment that can return 15% pa?

I dont see how you can make 15% like that
sounds more like you take people's money and  you give them 15%  instead.

No investor will pay fee 15% pa of their CAPITAL to let you invest for them.
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If a person enters the market at the right time, it's possible. 15% p.a. is like 1.25% a month. Look at US market also easily fluctuate 3% when uncle donald tweets.

But anyway, my point is, s/he can offer any %. Whether s/he can deliver or not, or run run run run runaway with people's money is a different story. And it's investors that bear the risks.



This post has been edited by beLIEve: Sep 20 2019, 02:49 AM
prophetjul
post Sep 20 2019, 08:40 AM

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QUOTE(beLIEve @ Sep 20 2019, 02:44 AM)
If a person enters the market at the right time, it's possible. 15% p.a. is like 1.25% a month. Look at US market also easily fluctuate 3% when uncle donald tweets.

But anyway, my point is, s/he can offer any %. Whether s/he can deliver or not, or run run run run runaway with people's money is a different story. And it's investors that bear the risks.
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Timing the market is an impossibility.

And its not like making 15% for just a year.
The returns should be calculated at least over a whole economic cycle or more.
aspartame
post Sep 20 2019, 09:09 AM

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QUOTE(bronkos @ Sep 16 2019, 02:23 PM)
Property investment in Malaysia is now a sunset investment until the next boom, gonna take many years to recover. Good luck with that.
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How? Prop investing had been and will continue to be the greatest generator of wealth for most people...

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