I agree. that's why I also invest in EPF although work in S'pore & Europe last time. Just in case S'pore collapse or the EU lose the war then can fall back to M'sia

This one I support
Sometimes we have smart ppl here or big whale here... Good example is Amiga Nexo and Ronnie
I totally agree with the statement make sure to unfriend stupid friend give stupid advice

Unfortunately didn't diversified to foreign funds.... other than kid college funds in £ and some. Hope and pray MY not doom in our lifetime.....

have 6 digit usd in crypto. cukur, can counter useless myr 

Past performance does not guarantee future performance.
UT performance depends on the fund manager (person/team). If the team leaves, it may not be as rosy.

Was approached by unit trust agent yesterday and showed me the fund performance. Current year performance 20% percent. Wow.. nice! Then since day 1 until now... yearly return around 6%... i think back.. meh... just keep in epf will do...

You got a valid point there regarding young people but this agent actually ask me to invest epf money into UT... if i recall there is such option but when you sell your UT... the money goes back to EPF account right?

epf money goes back to epf

every dog has its day... buy the right ut at the right time can make >10% for 2-3 years...

zero accountability

up or down just pay.

they get to drive their ferrari. clients just wait ya. investment is for long term.     

just have to filter out the MYR falling news and look at this
who knows we get 9% EPF Dividend for 2023?

EPF's domestic investments surged to RM665 bil as of June 2023
KUALA LUMPUR (Oct 23): The Employees Provident Fund (EPF)'s overall domestic investment as of June 2023 grew to RM665 billion, marking a 9% increase compared to 2022, as reported by Deputy Finance Minister Datuk Seri Ahmad Maslan.

It is anticipated that total domestic investment will increase to RM700 billion by the end of 2023, according to Ahmad Maslan.

He said EPF's investment decisions are guided by the fund allocation determined by the EPF investment panel each year. In the period from 2018 to 2022, an average of over 80% of the total fund allocation was designated for investment in the domestic market.

Thanks Bro. 

agree, i really don't know how people survive.

i come back holiday every year, then calculate my expenses, no difference from where i am at.

a food panda order easily rm20 for a simple nasi goreng. ridiculous.

the only comfort food i can afford now is rm 1.50 nasi lemak at the roadside, still delicious. add egg, its 2.50. ate everyday during first week when im back and i got heaty body.

im still into street food, so still bearable. those going to cafes and restaurant. how do you afford with 3k salary.

grab also not cheap, one small journey also very expensive. so i take public transport.

save more when you can, you never know what tomorrow brings you.

haha... like that, I prefer the credit card idea... can be e-version, with limit based on all the money in all the accounts.

allow 30 days grace, and then like normal credit card, can start charging 18% pa on outstanding balance....

a new source of income for EPF... yum yum.

watching now...

how will malaysians retire then

those without EPF fund left..will ask for tongkat from govt

IF account 3 rate is higher,...sure impact the deposits in bank FD.

apa kes?

last time under muhyidin when he allowed the i-thingy withdrawal, even for first time like me didn't have to visit EPF office. fully online and convenient. those were the days. 

Soon will have
B40 get 20%
M40 get 5%
T20 get 3%
T1 get 2.5

why not? it gov is silly enough to define B40 based on taxable income...
which is what they are doing now....

I get STR, and BR1M previously.

In here who has 3.9 million or more
please put up your hand
hehehehehe.....

looks like hidden inside, they are trying to suggest some kind of UBI.... although just 100rm per month.