Don't think anyone's complaining or not understanding. The fact is SA needs to outperform EPF by quite a bit more than 1% as a reflection of true long term investment, due to the fees. If it only performs at EPF +1% the nett return is the same as EPF, then no point there, especially since the downside risk is there and quite frankly you may lose money, unlike EPF.

Also, even in a 5-10 year horizon, not many funds can perform at a 7% y-o-y average (assuming EPF is 6% average). Yes, there is the question of liquidity, but these days we can withdraw EPF for many things, first and second home, medical, education, etc.

Just thinking out loud, not expecting to convince anyone otherwise. I gave SA 3 years just to try it out. Will see.

I actually think people with large amount in Account 1 should use i-invest to buy funds with foreign exposure.

EPF has significant MYR concentration risk, and 54% of KWSP are in bonds + money market. So young ppl should probably take more risk there - when I say take risk I dont mind stock picking, but just have more foreign stocks to get more returns.

Way above basic saving amount laid out by EPF. Or way above what one needs to retire.

Not everyone invest peanuts like you and be bothered when portfolio turns red. Small amount already sleepless nights, how to make big money 

on the same logic of thought....at what level of red when the portfolio turned red, then will gonna give sleepless nights? 
(just -0.5% or - 1% or -05% or - 10% or - 20%,.etc etc)
 

mind elaborate the difference?
one with risk free rate of 5% while others don't have risk free rate?

This is offtopic but since people are talking about investing through epf, just remember nobody said you need to keep investing through epf i invest, you could start to invest during a crash and reinstate the money to epf after you achieved your target. 

Well at least i did that, last year and now i have reinstated it back to epf. I gained around 50k from around 120k of total investment using DCA, although most gain coming from my entry in march to june 2020 which was way lower than 120k.

I will not hesitate to invest in selected fund when i see a crash.

Money in epf a/c 1 that can be withdraw for investment is just how many % of the total inside epf?
Thus it is not possible to lose all the retirement money.
With equity investment, it can also hv the possibility to increase the retirement money too.

Ok, thks,
So the currents drops of abt $70 in the last 2 trading days does not matter to you much then.

Have you? 

In context, it corrected from $980 to $680 in 2008.

But $100 to $200 in a $1800 gold may not be a bad thing.

i have a portfolio of risk index : 30% for many months and do DCA every week, the return is getting smaller recently and going into negative zone soon, i checked the asset class, there is this ETF : KraneShares CSI China Internet ETF that generated -38% return that pull down significantly the return and eat up all the positive returns from other ETF, this is understandable because recently china government are giving a lot of negative news to those internet firms in china such as Didi, Tecent and ALibaba.

should i switch my my risk index from 30% to below 20% to reduce the exposure to that KraneShares CSI China Internet ETF ? if yes, which risk % i should use here? 14% or 16% ?  If i don't act now, i think very soon i will make a loss in this 30% risk index.

For me i just deposit into SA and forget.. Dont really bother to see the amount inside daily.. Come back to check twice a month will do. No investment will go north forever. If u fear to bear the risk better opt for mmf or fd.

just for discussion on this,...

"The argument is always the same, u tak suka u keluar. As if now selling in the dip will do me any good by exiting SA.

Sorry I'm not that dumb.

If your have such confidence in SA, then shall I ask, will kweb rebound to sp500 level after this crash?"

comparing the performance,...

how long will you intent to hold on till KWEB recovers?
will continue to hold on to the current losses in KWEB be subjected to the opportunity cost of the rising SP500?

if cannot accept to cut losses NOW for fear of being dumb,...will it become dumber if KWEB continue to falls while SP500 continue to rise?

Don't forget "things are going fantastic over there"   

just thinking and open for discussion 

KWEB (XXX units, Price: $45.66 USD)
Only regret i reduced my DCA amount. haha

Heng ah I always deposit on Monday and bought in yesterday.

10% only so happy ar? It needs to go up 100% to break even for those who bought at ATH.