EPF is bounded by law to pay at least 2.5% pa. You will never see negative returns, even if this means the amount has to magically come from somewhere else.

There is no other scheme like it in the world. Do a quick read of CPF in singapore and compare mandates and rates.

98.

Regarding EPF, yes i understand it is always positive like FD

I am targeting to put some EPF money on KGF as it consistently outperform EPF by a comfortable margin every year

I would go for KGF for EPF...

I'm comfortable with with using EPF IF there is a long period of time till retirement and the investor can just lock it up/not look at it. Its not like you can spend it anyway.

There are over 100 funds in Malaysia that have CAGR over 7% over the last 10 years, mind you that includes the 2008-2009 GFC. Not X number of years in a row above 7% though. I'm not expecting any REAL investment that will return positive returns every year, those are called ponzi schemes.

Well that's my biased opinion.



That's just the top few in the list ... It goes on and on. 107, If I'm not mistaken.

This post has been edited by lukenn: Dec 28 2015, 10:39 AM

Siapa cakap takda Ponzi? Ponzi 1.0 is inside the list

Thats a lousy skim la. The real one is "AmPan European Property Equities Fund". A lof of ppl invested already. Lol ..



This post has been edited by lukenn: Dec 28 2015, 11:06 AM

wow...if "not expecting any REAL investment that will return positive returns every year" and from that list.....then no need to queue for ASX-FP funds....

A Con-Sultan from a competitor eh?

Sniff sniff...

I smell a Kenanga rat. You look like one, you talk like one and you certainly smell like one.

Xuzen

What are you implying?

Past performance is not a guide to future performance

How long is the process to use EPF using FSM until disbursement?

Hand itchy liao.... decided to try Vanguard's ninja trick; intra switched some of my MY equity funds to bond funds for credits

Sila report on progress

I got no plans to buy eq funds though; just thought to shiok sendiri to accumulate credits. I was going to switch sell anyway

I follow FSM advice... increase FI/cash allocation; reduce EQ

This post has been edited by dasecret: Dec 28 2015, 03:59 PM

hope you have a BETTER luck than me....
i got mine wrong again (as usual)...switched in 23 July....few days later it crashed and it is still in RED since


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DCA lah

Ouch.... I have 1 fund also like that.... still waiting for it to turnaround... or one fine day when I beh tahan; just cut loss

DCA cannot lose money?

you are smart enough to know what i mean

you mean top up when it is in RED?
if "YES",...is there "Better" funds out there to top up instead of DCA this Bond fund?