Not sure...if there's some regulatory risk profile bracket, maybe considered too high for them.

I go Lowyat plaza only.

Now still can if lock in FD, Feds unlikely to cut rates first half of the year. This year is dump into BTC and don't do anything.

Local trips no need so frequent lah. North, South, East, West also same eat Nasi Lemak. Waste of time and money. Save your bullets for overseas vacation.

I think i saw better calculators, but forgot where.

I think bro Ramjade certainly have some healthy portfolio diversification strategy already in place and not all sai lang in stock market..

Yes, once you're debt free, your life turns around. I also quickly settled all my mortgages. Can sleep peacefully at night = priceless.

Here's something to help you. A simple calculator solely based on your EPF balance. See how much you can withdraw before it runs out. You can add more years if you want.


Attached File(s)
 Calculate_EPF_withdraw_diminishing.zip ( 8.92k ) Number of downloads: 149

Tech sector is leading the charge. There's good reason for it. I won't say there is a Bubble, but a correction and pull back will be normal.

Balik rumah tidur lah....ZZzzz

All the big bosses rushing to withdraw?? LOL.

Unker prophetjul where got RM1 mil....he got many mil there in EPF.

Yes, as stated above. Why people don't want to buy Maybanks and other blue chips?
1. Risk Aversion - people who understand but not willing to take risks.
2. Ignorance - they are not willing to learn how to invest. I have relatives like that. I encouraged them to learn, especially the young ones. All lazy as fark. Don't cry 20 years down the road.

Yes, if my calculation is correct last year maybank was 5.xx%. But got gain capital growth, not calculated yet.

Your stocks, you suka hati lah. HODL also can.

I am not sure why that bothers you....i kena one time ask by AMD to vote for CEO or something. Of course agreed to keep Lisa Su. Not like i have to fly to US....

Last time same piece of pork belly pre Covid...around RM30 or less. Now is RM60. Just about 4 years. How many %? I dunno how to calculate.

Yes, in a away. Say you have RM10 mil...5% dividend...You will have RM 41677/mth. Normal Inflation won't affect you for sure.

But..in the event shit does hit fans and RM goes bust....and all your eggs in EPF....so we must protect ourselves from this possible condition. Regardless you have RM10 mil or RM1 mil.

This post has been edited by CommodoreAmiga: Mar 4 2024, 11:23 AM

Without safe money and asset, how to get Food, Safety and security? At least you cabut to Singapork, still got money. Touc wood yeah, hope never happens.

I bet by this year, we will be Net Importer...now import and export almost on par.

Can. It's just a number in cyber space.But maybe cents cannot be accepted...I dunno. 😅

This post has been edited by CommodoreAmiga: Mar 4 2024, 01:44 PM

I don't think there was any mentioned where it came from...given that conventional dividend so low.....I still have no idea....