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Investment What is your preference among FD, REIT, EPF and UT, saving for retirement
kbr3813
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Jan 17 2020, 10:50 PM
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New Member
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Hi,
If I were you
FD - 6 months of expenses EPF - if you are self-employed pay minimum of 23% (which would be the equivalent of working in a company)
Depending on your age and risk capacity put the rest in unit trust and reits. Split it to 80% unit trust and 20% reits or reits fund
Hard to say without knowing your risk tolerance and capacity.
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mmwe P
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Jan 17 2020, 11:09 PM
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New Member
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Hi,
Its doesn't make sense to rank the different investments as each of them has a different role.
FD - short terms funds for emergency and planned spending (e.g. children's school fees)
EPF - enforced savings for retirement
Unit Trust - Higher risk with potentially higher returns
REITs - there are two type's direct REITs and REITs funds, both have different characteristics
From the traditional financial planning view
FD - 6 months of expenses should be kept in short terms funds EPF - should be paid whether you are self-employed or not Unit Trust / REITs - perhaps a portfolio of 5 unit trust can be held 4 equity and 1 reits for longer returns
The percentage of your non-epf assets that should be kept in unit trust or reits should be based on your risk capcity and risk tolerance.
Only my personal opinion. Thanks.
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Ramjade
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Jan 20 2020, 12:06 AM
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QUOTE(rocketm @ Jan 11 2020, 04:11 PM) Can you explain what do you meant by They can increase rental to offset the increase in interest rate. for REIT? Sure. Reits have rental escalation built in. Good reits will increase rental from tenant. That way interest increase also no issue as the increase in rental already offset the increase in interest rate.
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xcxa23
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Jan 20 2020, 09:19 AM
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FD, a big portion in FD. Incase all my investment fail, still got backup. FD interest put back into FD, sorts a way to minimise or offset inflation
EPF, additional of rm400 self contribute
Stock, 20% of capital
Unit trust, monthly DCA around 1k to 2k,
SA, weekly dca around 300 to 600
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tweakity
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Jan 20 2020, 09:42 AM
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Getting Started
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Additional personal deposit to EPF, goes to Acc1 or Acc2, or both?
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TSR93
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Jan 21 2020, 12:52 AM
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New Member
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QUOTE(tweakity @ Jan 20 2020, 09:42 AM) Additional personal deposit to EPF, goes to Acc1 or Acc2, or both? both (70% ACC1 and 30% ACC2)
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