KWAP is of no direct concern of anyone except the goverment as its duty is to  make money in order to slowly take over the goverment pension commitment. Its of no point discussing it.

Please re-read what xuzen and I posted on the difference between KWAP and KWSP. The civil servants do not get 'more' because KWAP performs better, they get monthly pension amount until the day they and their spouse die. So the only party benefitting from KWAP good performance would be government budget, because then they do not have to contribute as much to KWAP for the pension payments.

I don't know what else to say to make you understand.
As to which one is better, actually it's really no point having this discussion because you can't opt for KWAP unless you become a government servant

let me put it this way - u see a young man with BMW and an old man 80 with BMW - got difference.

it's peer accomplishment. at 75 - your peers who may look up to you are mostly dead , and the young ones don't even care who u are.

the things We can do when we are young and old - got hugh difference. contemplate this - and maybe we should start spending now to please ourselves when we are younger

Is it a good idea to pay epf on your own(working in sg now)? But I scare rm just droppppp or gomen simply go wrong and my epf just burn(is this possible:-S )?

Comparing to their bank's FD rate, consider not bad already.
We are getting 6%, but for the same food(forget about currency) we are buying, like chicken rice in Malaysia need rm6 while at SG, SGD3.
For the same travel distance of 20km from house to work, every month we need to spend rm200 while they only need to spend SGD100.
An engineer using donation to secure the job gets rm4000 a month, while in SG, can easily get SGD3000.
For the same job, in Malaysia the same guy can save rm500 while in SG he can save SGD1000.
Now back to dividend yield, rm500's 6% is rm30 while SG's 1000 is SGD40.

Different country, different policies, there's no right or wrong. If you decided to stay in Malaysia, have to consider Malaysia's lifestyle.
In Middle East even worst, saving money in banks as foreign labor get close to 0%. But yet my friend is still making money. When USD are weak, he keep that money, when it strengthens, he convert it all back to rm. Since he is earning USD(in Middle East, you can choose either their local currency or USD), so when it touches rm4.20 from rm3.20, just imagine how many % he makes for every USD he sending back as rm.

I wouldn't invest in middle east if I were you. Is a very unstable region. One scuffle can spread to the entire middle east. Take the Arab  spring as an example. Less headache to monitor investment in the middle east if you never put any money in there.

Mediterranean area might be different.

Nope, is not allowed. So just keep the cash and change when USD is strong.

How is it possible for them to buy HDB when they already own two houses in JB.

AFAIK,  you are not allowed to buy a hdb if u already own any property in other parts of the world, but it not easy for the Spore govt to find out, and there are ways to circumvent this ruling.

EPF to take up 80% stake in MRCB subsidiary for RM421m
http://www.thestar.com.my/business/busines...ary-for-rm421m/

The deal is about buying a MRCB"s subsidiary company, not MRCB itself, which owned a piece of land.

Let say malaysia down, are epf still will keep our money?
And due to politic issue, our PM use epf money go invest some useless share.
I am worry our epf money will suck dry n pay debt for other country.

Silly
Value money become small
U go ahead keep your money in epf

bwhahaah - yeah, if only our burger lover knows

momma told me not to argue with idiots,
they'll drag me down to their level & beat me with experience in idiocy


Also funny is when people with broken English is pointing out other's level of English proficiency.
Self-proclaimed "Master of the Universe" with land and property 

sigh.. damn.. i hope i didn't sound like that when i was his age 

I wonder those who doubt the country's administration have made arrangement to move out of the country ?

There are many brilliant people migrated. Because they don't trust the administration any more. They felt that the taxes they pay are being abused. They don't get equal treatment, and of course they don't trust EPF too where their retirement funds are kept...

We have been talking about "the ship is going to sink" for many years (remind me of unker dreamer  ). But yet outsiders (world bank, credit rating agencies etc) think otherwise.

At least unker dreamer walk the talk. He said bye bye to malaysia...