Can you says NO, if you falls under this ACT
"the EPF Act 1991 in 1991. The EPF Act 1991 requires employees and their employers to contribute towards their retirement savings, and allows workers to withdraw these savings at retirement or for special purposes before then".

I think the risk is MUCH higher when buying new in progress properties for investment than putting monies in EPF...
"is EPF really a safe place for investment?" .....how do you interpret investment?

2-4 years only give out distribution/dividend once for LESS than 1-2%
2-4 years only give out distribution/dividend once for 1-2% or
2-4 years only give out distribution/dividend once for MORE than 1-2% or
2-4 years only give out distribution/dividend once for 0%
from UTs funds....DOES it really matters?

doing averaging into UTs funds again?
the funds NAV can continues to drops again.....imagine more regret then?

can this be the reason that "the chairman, CEO and largest shareholder of Berkshire Hathaway, and consistently ranked among the world's wealthiest people"?
wondering how many investors he got? how much asset under management does Berkshire Hathaway has?

hope you know what i am imply

EPF allows you to put in 30% monthly?
this 6% can fluctuates..min is 2.5% though...see historical rates
http://www.kwsp.gov.my/portal/en/web/kwsp/.../dividend-rates
here is a calculator you can check the est future value
http://www.hcuonline.com/HCU_Calc_PeriodicSavings.html

Btw, do take note of the other "devil" at the opposite of this future value equation....
Inflation rate...the real one, NOT the published one (most people said that are available)

This post has been edited by T231H: Jul 16 2015, 02:19 PM

any idea what is the max % allowed?

60k max is for total input by means of self + employer + voluntarily self contribution (over the counter top up, etc, etc)?

you said "If you keep on buying, then it really does not matters, but you buy once only, it does matters".
how? what are the differences?
further more you just mentioned...."you keep on buy, buy and buy while the agents keep on make money"....isn't that contradictory?

..you-ah...
you mention trust fund in post 8,
asked about post 8 in post 11
you replied in post 30, i asked about contradictory in 31
now you compared with buying Share

just wanted to fish for clarification....before judging if post#9 is true or not...

Post #10 (as below) did not mention about being cheated....it just mention the value is now dropped....(the value are mostly determined by the market performance)
as practiced, the investor has to declare by signing on the form (or "tick"for online) that he understood about the risks associated with unit trusts funds as spelled out in the prospectus before buying....
and in post#10, the investor are continuing to buy to average down......would he continue to buy if he felt cheated?

Possibility...
but the forummer of post#10 looks like "Old bird"...
too old to be cheated-lor...
if cheated, will he buy again? (he mentioned he put monthly into his UT fund)
btw,...in FSM or Eunittrust online UTs distribution platforms.....NO agent involved...therefore no agent to cheat and mislead by boasting how superior is that particular fund perform, I'm not sure how many people had bought from them....just read an article published in Dec 2005, that it has asset under management of S$300 million ...... generated by iFAST’s online division, Fundsupermart.com. (Singapore)...if the S$300 millions grew for 10 years combined with other FSM's operation in M'sia, HK and India PLUS Eunittrust platforms .....the AUM would be very huge where - NO agent involves
https://secure.fundsupermart.com/main/artic...ion-In-AUM-1798

This post has been edited by T231H: Jul 17 2015, 07:38 AM


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ya-lor..did not specified in the Form too.
googled and found that this had been asked many years back in one of the forum and the Admin provided the "best' answer...ha-ha.
http://www.mylabourlaw.net/forums/896-empl...ontribution.php

This post has been edited by T231H: Jul 17 2015, 01:13 AM


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will some money dropped during the transfer?