what i meant is investing using account 1, this is the investment allowed under EPF account 1 investment scheme. I am not really withdrawing as the money never really in my hand, instead just changing hand from EPF to PNB. Definitely not the same as home loan withdrawal.

AS1M constantly beats EPF returns however 2014 is an exception, the difference is small but the waste comes from all the time it takes to que up in PNB office. I am only investing in the fixed price fund for the time being through EPF account 1 as it virtually offers capital protection, not in the PIDM sense but as a fixed priced fund.

Yes, I have been cursing myself for using EPF $ to payoff my house loan some years ago. Back then, my $ brain cells were very limited. My rule no 1 then was debts are money suckers, get rid of debts. Thus used EPF to pay off my house loan. I did not look at the EPF % vs loan % then.

Since you raised it here, I decided to dig up the data to see how much I have lost with my stupid mistake.

Surprisingly, that was not a mistake. In fact, I benefited from it! See graph below. Yes, it depends on the actual loan rate one gets from the bank, BLR - X.

[attachmentid=4336279]

Assuming my X was zero, then I gained some 17% cumulative BLR - EPF over the 10 years.

Cheerio.

I'm more worried about the long Q on ASM dividend day (all because of some noobie changing new ASM passbook that time  )

PLEASE GUYS & GALS, DO TELL YOUR FAMILY & FRIENDS WHO HAVING ASM TO CHANGE THEIR PASSBOOK ASAP 

thanks 

dang.. i cant get time off next month to buy haha.... was hoping my mum can buy on my behalf

I'm not worried about my money. the damn money is still there, laying more eggs for me 

okay no rush now! but can u do ASM transaction with the old passbook? No right? when u wanna update for dividend, need to change new passbook right? want to withdraw or deposit, need to change right? 
It's not like CIMB account where u have 2 account number (old & new) which both can use. 

the problem would start when those who didn't change new passbook want to update on 1st Apr. They the one who may cause long Q for others who have change to new passbook.

do u have ASM? if yes, have u change it? 

worth or not the trip to the bank, decision lies on respective individual.  u may think it's not worth the trip, but others may think otherwise   

I know the dividend would be the same even if I don't update. The money would still be there... only problem if ASNB give less amount (error/mistake). u need to do complaint within 30days  if u don't update, how u know if there's less amount there 

Sorry not 30 days, but within 15 days. go see your statement..

and Please don't twist my words okay. did I say need to update within 30 days. I only say if got mistake, then need to complaint to ASNB. How to know got mistake if u don't update. again I didn't say need to update within certain period..
it's all written on ASNB statement they give u yearly.