This strategy crossed my mind before as an alternative to ASN FP funds which are near impossible to get. Well..will just procrastinate a wee bit longer.
How so?

i also want to know why do u think so

One trip down = SGD 60.00 x 2 (to and fro) = SGD 120 x 3.35 = MYR 402.00. Not counting makan and minum. But for you special wan, you will buy Gardenia Sambal Bun x 2 plus one bot mineral water = MYR 5.00 for the whole trip wan!

BTW you put in MYR 100K in bond meh? You kena MYR 400.00 per annum meh?

Xuzen

True.. my family know all my passwords lol.  Anything happen they can just transfer out

One day they may transfer your money out while you are stlll alive...it is a risk you will have to live with.

xuzen we will see won't we  
Keep in mind some people said malaysia going to introduce death tax aka inheritance tax after GE. Not sure true or not. Don't know how to overcome this. One shot like US tax 40% of the total value... 

How much charges to let FSM managed UT services?

He is more worried of being taken advantage of by the other party even though the business transaction is beneficial to both parties.

The kiasu person would rather bypass the net benefits he would get and not let the other party gain anything if he perceives that the other party is gaining it at his expense.

I think they still earn AUM fee from various fund houses based on their total AUM from us?

BTW to the other students and yet-to-join-the-rat-race in this forum, why PRS ???

If we don't enjoy the 1K government money for PRS , is there any reason we should open a PRS account? I can't see any.

hm.. i think U are assuming all PRS funds returns <=1%pa?
heheh. please do check first - not all PRS funds as as "good"

as for short vs long term, er.. dont U think think equities will "grow in price" in the long term due to inflation, economic growth, etc?
isn't that long term thinking?

also - the tax relief, be it <=15% or >=24.5%, isn't that also long term thinking? every year, "make" that % and use the cold hard cash for FD, stocks, mortgage extra paydown, etc.?

in addition - those below 30s, with the Gov extra incentive.. still not worthwhile?

hm.. U running your own biz returning way more than the combined above in %pa terms?
if so, good BUT the above is passive or non-active income/assets.
if one wishes to compare active income - IMHO, better to use things like trading in options, forex, futures, margin stocks & flipping properties.

no absolute right/wrong, just perspectives 
On the aspect of "amortised down" over 20-30 years, i've done similar Excel sims on SSPN (lagi worse, FD rate++ pa only but with tax relief). If every year we get the tax relief for new $ injected, even if SSPN fell from $6K to $3K next year onwards, it will still be worth my time to do SSPN for the next 15 years due to the total IRR pa% (Excel's XIRR). Note - i was already on SSPN since 2008, not "virgin" - lagi worse (longer time frame ma).

Thus, similar calculations/logic will be for PRS and the additional bonus is if one does equity PRS, equities generally rise in the long run due to inflation, economic growth, population (sheeples?) growth, etc.

er..
2nd paragraph (copied & pasted 1st two para below) - didnt write anything about FD

If U meant the 2nd line of the 1st paragraph - being sarcastic with the word "good" since our buddy stated "<=1%" PRS returns

"
hm.. i think U are assuming all PRS funds returns <=1%pa?
heheh. please do check first - not all PRS funds as as "good"

as for short vs long term, er.. dont U think think equities will "grow in price" in the long term due to inflation, economic growth, etc?
isn't that long term thinking?
"

My total portfolio at all time high interms of ROI...

Bro any suggestion for global titan fund? Let go or hold, I had 10% capital gain now

Same!
Amreits (1.76%)
Ponzi 2 (12.12%)
CIMB Titans (14.71%)
EISC (8.62%)
KGF (11.88%)

Waiting to see when will all these come crashing down...when is the burble bursting.

Mine also same; but I think Msia allocatio high or not is relative. When everyone else here say Msia doom doom doom I continue to hold MY funds lor

So who else still have their MY EQ funds?

My Portfolio as at 9 Mac 2017.

KGF, EA SC, Titan => all using EPF funds.

Was advised by the FSM analyst, no more topping up Msia funds.

Maybe can add CIMB Asia Pacific Income fund.

Can advise on my portfolio ?

I had made a topup on Titan few days ago.

was told to add Asia Pac Ex Japan - which one u all top up ? Ponzi 2 ? or Manulife Investment Pacific Fund

why not many mention abt this Manulife Investment Pacific Fund?

Here is a very good and easy to digest article to help you understand how a meltdown could happen if the Feds rate hike send ripple to the financial system
Here