Are you telling us all Unit Trusts are sure lose money products?
Sure EPF is good, but i also find UT making money (for me) as well.
must diversify what..

people are even taking out their EPF money to invest in Unit Trusts, and approved by EPF. But i wont use epf money la for that.

Extra 0.3% may seem like nothing, if amount is big, it is additional few thousands RM.

This formula gave me exact amount as KWSP statement.
this confirms money credited in any day of month, you only get 1 day interest for that month.

Self contributions in 2014
1) Paid Cash at KWSP branch on 17.4.14- credited on 18.4.14
2)Paid local cheque at RHB bank 17.4.14 - credited 25.4.14
3) Paid cash at RHB on 26.5.14 - credited on 27.5.14

Lesson -
No point paying early for that month, you pay on 1st or on 15th you still get 1 day interest only.

For self contribution
cash, bank in the last 2-3 working days of the month
if use cheque , pay the last 7-8 working days of the month.


Agree with you 100%.

RM675,000 is only a 6 figure dividend. For this you must have RM10M in EPF.

yeah, the hype is mainly for religious reasons...... dont want to earn from sin business, etc...
indirectly meaning govt pays them less also ok ...
??you guys still wanna join

yeah ada logic jugak, mahu kasi "kamu" untung,
dapat untung lebih mesti gua join jugak. so wait and see.

Hello Frens,

Anyone using cimbclick to voluntary deposit additional contribution to EPF /KWSP?
EPF paying 6.15%, very tempting to add additional contrib.

Best date is to transfer on last day of the month in order to max out dividend gain?

If paid prorata, is same right?
deposit in Jan get 12 months dividend, deposit in June get 6 months?

I read about the dividend calculation above, seems like deposit on 1.Jan 2019 and deposit on 30.Jan 2019
dividend earned is same as EPF calculate based on end of month balance,

or did i miss something?

This post has been edited by guy3288: Feb 18 2019, 04:33 PM

The message is no point deposit additional too early in the month,
use CIMBclick can do deposit end of the month

Thanks fro the clear message

i only had RM50k at your age then.
was just doing a summary of total EPF savings, saw annual increase fr 25k then to max 203K in 2013 after that
back down to normal now thinking to save more again since dividend so good

I dont know why you guys are so allergic to EPF....can see so many scrambling to get money out to "invest" elsewhere........
just how much extra return they get i wonder......As if money in EPF is money lost for good
Alot of heresay, when reach 55 cant get money out etc,
all totally untrue!


instead of seeing 6% return as a chore requring 4 years to recover back the 24% tax taken by gomen,

i look at it this way:
1)i put 11% in , i get extra 13% from taukeh
2)instead of paying tax X amount i get to pay less tax from EPF relief
3)Instead of struggling here and there investing and getting 4% return or lower
EPF is there to do it for you better

not refering to you alone on the disliking, but can read here alot of sayings to that effect.

So easy to make 8% pa??

I had made few years of 9% return, but overall i cant simply tell others "IT IS SO EASY...".
Misleading.

here is one example who is surprised by what prophet professed.

In general most people dont consistently find it easy to make 8% pa.
if you read the FSM forums many made just FD returns even after years



We have forumners in here who invested in mutual funds and showed IRR 9+% over >3 years.
Get the right fund sell the right time but that is exception rather than the rules

So is it really that easy?

This post has been edited by guy3288: Sep 13 2019, 10:41 PM


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Are you offended by my post?
You should not if you are not the one relevant to it.
Those who think money in EPF is going to be lost for good so must quickly take out
Those who withdraw from EPF only to make lesser or negative returns.

you said money in EPF is losing opportunity cost!!!!!!! better take out and invest outside
as if 100% sure can get better returns...........

But when you are allowed to withdraw all, you no longer 100% sure.
You said you just might withdraw only half, meaning youthink another 50% is still better if kept with EPF.

I would have taken all out 100% if I am 100% sure money kept outside EPF is better.

Now you understand why people still do additional contribution to EPF?

This post has been edited by guy3288: Sep 16 2019, 02:18 AM

EPF is only a small portion, 11% of your income,
You should know it is there, compulsory for a reason
You should also know many just do not know how to save (for their future)
And many are getting much lower returns from their investments.

I find it is irresponsible to incite people go take money out of EPF.
When they tell you they get negative returns from investment!

For those who can save, EPF money should be a small portion of their total.
If you need go dig money from EPF to invest,
first ask why no money in pocket or banks?

If one says 90% of his money is in EPF, no money elsewhere...
I doubt he is good at saving, why bother to take out the last bit from EPF just to try elsewhere?
without the forced epf savings he may be even worse.

You know how to save money EPF is only a small portion of your total,
so why need go dig EPF money? Hedge and diversify using your other savings.

I agree with you

I cant accept the logic money outside EPF is better ,tell people go take out
but when got chance to withdraw all, he hesitated..........

market up or market down also can make money one... depends on how you do it.
i just sapu 2 units and i expect a return 8-10% in rentals pa

More fearmongering on EPF money will push many to trip over


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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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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.


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