Saving into EPF depends on your financial goals.

There is NO definite wrong or right.

For those who are risk adverse and investment foolish, the EPF is a good vehicle to plant your savings into for the long term.

For the investment savvy type, the returns may be seen to be low.

You could still balance out your investment portfolio with some in EPF, FDs, stocks, gold, etc.

That will also depend on where you are with regards to retirement.


BUT bear in mind, that almost ALL retirement funds have problem maintaining the dividend yield in the long term as one poster has pointed out. AS the number of retirees add up, the amount of fund to match this is taken up.


Plus as the fund grows, the investment vehicles for he growing funds become more difficult to find. Reason why EPF went overseas a few years back. THe Malaysian investment vehicles have become too small for EPF, which is the world's 6th largest retirement fund.


I took out funds from my EPF to invest in property n 1995. Sold it last year. Made a return of 590% on investment. i would not have made that much with the money in EPF. it would have returned me about 380%.

Was it right or wrong? It turned out right for me.


Plus, I have made more in stocks and gold than holding the funds in EPF. That's with recessions and what not. My present stocks get me approx 10% yield p a. Some stocks pay monthly dividends for my retirement expenses. Some quarterly.

Is it for everyone? No.


BUT, that's me.

I think I can do that now.
Nice!
Good thing is I don't have to.
Still got cashflow from contract job.

This post has been edited by prophetjul: Jun 3 2022, 04:54 PM

It's safely deposited in.
Now I wonder if it's the right thing to do.

What with the ringgit dying.