Calling wongmunkeong and other investors who have invested EPF money in UTs...

The 1st time u withdraw, do u withdraw 100%, or did u divide into portions?

E.g. excess savings in A/C 1 is RM50,000, thus amount that can be withdrawn is RM50,000 x 20% = RM10,000. Do you take out the whole RM10,000 and pump into UT at one go, or do u take out a certain portion only?

Let's say 1st withdrawal take RM10,000...
3 months later, can withdraw another (RM50,000 - RM10,000) x 20% = RM8,000 (assuming zero contribution just to make the illustration simple )
Then another 3 months later, can withdraw (RM50,000 - RM10,000 - RM8,000) x 20% = RM6,400

If 1st withdrawal take only half, can “smooth" the withdrawal amounts...

E.g. 1st take 5K,
Then 2nd withdrawal can take (RM50K - RM5K) x 20% = RM9K but only take 5K again
3rd withdrawal can take (RM50K - RM5K - RM5K) x 20% = RM8K but only take 5K again

Too used to small top ups with my cash investments, now ask me take so much to invest at one shot I feel

But I've no problem clicking "buy" when I buy Ping Pong crackers share with close to RM3K

Add: I see EPF already has holdings in most of the KLSE big counters...shall I go for small cap fund like OSK-UOB Emerging Opportunity Unit Trust, or a non-restrictive fund like Hwang Select Opportunity Fund?

That was purely luck. My original consultant did not service me, so I approach another consultant that is making monthly visit to our company. She told me my profit already went down by 20% and I should switch to fixed income immediately. I was shocked and quickly signed switching forms. I'm more into stock and did not really pay attention to my UT. Only recently after signed up with FSM and learning from this forum that I'm giving it more attention. Can I expect to increase my IRR in future? May be not since my new portfolio would be 30% in fixed income and limited choice of funds available for EPF investment. Maybe when there is another market crash..

Which fund manyzer? Gan Eng Peng? I also find him hensem

y they desperate until need fund manager to do sales talk?

supposedly the sales talk should be given by the sales team.

Just like a car engineer knows a car better than a car salesman, u wanna hear salesman talk or engineer talk?