My house loan is 5 year but i settle all by 3 1/2 years.
it indeed feels good to be debt free.

I plan buy cash, buy scared LDHN kacau, so i take a loan of 100k only.
then around 1 1/2 years ago (i can't remember exact time) when BNM raise the OPR, I quickly go settle everything.

I'm not rich like you buy so many house by cash.
I'm just makan gaji B40 level only.

UT Agent knows blow water only.
it takes how long to get that 8%?
after u sign up, they deduct comm, admin fees, this fee that fee first.
then first year u can't even earn back that f**king the principle u invested coz of that - comm n fees.
then second year also same as first year nowmally. u rugi one.
need wait 3 years + then maybe u earn back your principle only. no untung. if untung also not as much as EPF dividend.
this i talk from experience. 5 years also tak untung a shit. this is before MCO lockdown.

then also before MCO went PBB bank, this girl keep asking us invest in their bond.
Keep say they will never touch your principle. rugi also they will return u back your principle.
exaple u invest RM10k. end of the day if rugi, they also return u RM10k, guarantee.
so i give it a try. after 3 years i go check my account, mother f**ker not only i can't get back my RM10k.
It give me back RM9.5k.
I ask that girl who promote me this shit, she also can't answer me.
u say can get back that RM10k??? why now RM9.5k?
she only reply me "i also dunno".

story of the day, don't say EPF, FD also better return than UT.

I wish i did record.
then last week i went to the bank, while waiting I saw her hard sell this same shit to another customer.
"Guarantee return one" etc. .......
In my mind, this lady "scam people" again.

many years even my mom believe in EPF going bankrupt that's why withdraw everything and put in FD instead.
coz her circle of friends also said EPF bankrupt, Najib used all that money soon, faster withdraw out from EPF.
EPF no more money. faster.

i told my mom, i never believe in rumors. i only believe facts and figure.

until today my mom said she has no regret. earning 3% is better than losing all to government.
and in September 2024, EPF was the 13th largest pension fund globally and the fifth largest in Asia.