Ramjade,

If RigerZ in year 2015 is 21 year old, after 44 years, RigerZ 65 year old in year 2058.
If every year RigerZ contributor RM 3600 with yearly 6% dividen.

The RM 3600 when obtain dividen impact the result, so my calculation is RM 715528.91 or RM 677523.60

Can you teach me, how you can get RM 588475.70

I really no what of you, because I thank you always willing share your info and how you do of your money.
Just if I know my wrong, myself not count wrong of my calculation.
Thank you.

Thank you for your reply.

If 26 year old till 65 year old is total 39 years
so if 26 year old in 2015 then 65 year old in 2053.
I do again the calculation still not same answer.
Year 2015 start balance is zero, then contribution RM 3600 and get 6%pa in same year.
repeat above till 2053 year.
The results is
In year 2052 RM 485655.14 or RM 459925.03
In year 2053 RM 518610.45 or RM 491120.54
In year 2054 RM 553543.08 or RM 524187.77

You not like count for hobby?
When you free time not want find above answer?
If I wrong count then maybe what I count before all wrong.
Now, we still here, if you like, we can online discuss learning together.
But I just wrote only, no interesting above also never mind.
Thank you.

Thank you for your reply and link.
Now, my standard only know count A.
B,C don't understand what happen, so just like that.

A I know how you filled.
Current Principal: $3,600.00
Annual Addition: $3,600.00
Years to grow: 39
Interest Rate: 6 %
Compound interest 1
time(s) annually Make additions at (yes) start end of each compounding period
Calculate Results Future Value: $ 588,475.70

B I'll like below.
If 26 year old - 65 year old = 39 - 1 = 38 years, then use you A count way + what I thought.
Current Principal: $12,000.00
Annual Addition: $12,000.00
Years to grow: 19
Interest Rate: 6 %
Compound interest 1
time(s) annually Make additions at (yes) start end of each compounding period
Calculate Results Future Value: $ 465,734.29

Then
Current Principal: $465,734.29
Annual Addition: $0
Years to grow: 18
Interest Rate: 6 %
Compound interest 1
time(s) annually Make additions at (yes) start end of each compounding period
Calculate Results Future Value: $ 1,329,363.62

Then
$465,734.29 + $1,329,363.62 = $1795097.91

My English very bad, so I can understand is like above, I mistake or not?
I can't get your B and C answers.
EPF will give you 1,532,158.60 at 65 years old
EPF will give you 1,915,198.22 at 65 years old

This is really not for exam and not what of you, instead thank you of your link.
Just refer your way and my way, then if I know I count wrong, I can feeling like that.
If you still ok, any please feel free argue me.