Cheh only RM50.

I-Still-No-Money-Bersara

EPF no money Liao, thanks to all the idiot keeps withdrawing RM10k buy IFong every year.

It all depends on your financial position and portfolios. I will say robo advisor are much higher risk than EPF. EPF has proven to be safe and decent returns for decades. If you are like me, near retirement age. Putting in Max to EPF yearly is a good move. I can withdraw all in a few years time.Of course, again this depend on how much you have...usually people here who max in EPF are pretty much cash rich and it's better than FDs and no need headache to search here and there for best FDs deal.

If you are 21 years old and have 100k only. Of course it is not good idea to dump everything into EPF. It all depends on your own situation.

The top T0 has over RM10 mil in EPF...you think they high salary earner or not? Surely these are not dumb people...we ikan bilis look see look see and follow only lah....lol.

I think it's confirmed right? Reported in Budget 2023. Nobody objects, Budget passed.

Start next year mah. So it's correct .

Later upgrade to 200k. 100k not enough...😂

Kasi straight 12%.

Err..got other country implement tiered GST? Please don't wei. Nightmare to implement and execute.

If tiered dividend all those more than a mil and those over 55 sure lari. Leave all the poorfags demanding 10k every 3 mths. See they die or not. Hahahaha!

Those small accounts receive less %. Big account more %! Sokong!

Left leachers inside only, all want free money from other people who has worked hard their whole life to accumulate a decent retirement nest eggs.

EPF pokai terus when all the decent people flee.

Put in KDI Save for 2 wks, earn 3.5% interest. Then withdraw and dump into EPF. Give 2-3 days time frame for withdrawal from KDI Save, then about 5 working days before end of the month to dump in EPF so that it's reflected before the end of the month. I am not sure if you dump in day last day of the month to EPF, it will only appear the following month, but will the transaction be counted as previous month?

Why not? It's a daily compoubding interest basis thing. Last year I have dump in significant amount on standby, only moved out when the FD went up to 4% and more. One day also can. But of course, one day no point lah. KDI Save is legit financial company by Kenanga. Money is yours....not a hamster game playing fake coin in TriumpFx where your money can't be withdraw.

But if you apply KDI Save now maybe need 5 -7 days? I can't remember. So maybe a bit late. But you can open an account to prepare for next time. As temporary storage with higher interest than most savings/current account.

This post has been edited by CommodoreAmiga: Jan 6 2023, 08:00 AM

Yes, Versa is similar, but I read KDI Save has faster withdrawal period. Not too sure though. KDI Save is good enough for me.

I just checked this in the app. Didn't realized got this. Previous years just transfer from bank account. There is a function here to contribute..Does this function also links to bank transfer?

Yes, I accidentally dumped in too much. Calculate wrongly...lol. But it wasn't big amount...I think maybe 1K plus minus.

Got it back after a few days. Tendang balik to my bank account.

Part of the deposit. They just returned whatever > RM60k to you.

This is why you must change the password...

Change the KWSP account password so only you can withdraw? I dunno how withdrawal works. Need password right to setup withdrawal?