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Investment What is your preference among FD, REIT, EPF and UT, saving for retirement

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kbr3813
post Jan 17 2020, 10:50 PM

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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.

mmwe P
post Jan 17 2020, 11:09 PM

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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.
Ramjade
post 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?
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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.
xcxa23
post 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
tweakity
post Jan 20 2020, 09:42 AM

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Additional personal deposit to EPF, goes to Acc1 or Acc2, or both?
TSR93
post Jan 21 2020, 12:52 AM

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QUOTE(tweakity @ Jan 20 2020, 09:42 AM)
Additional personal deposit to EPF, goes to Acc1 or Acc2, or both?
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both (70% ACC1 and 30% ACC2)

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