Absolutely

For every RM100k in ASM not moved to KWSP I lost RM1.3k this year

But I still do not like the idea of my money getting locked for for than a dacade or even longer if...

I am definately aware of that

Still no matter how you can't touch that RM1 million inside until I am 55yo MINIMUM...

Soon RM 1.3 million and so on

So I prefer liquidity over 1%, for now

This post has been edited by coolguy_0925: Mar 31 2025, 10:00 PM

That will be the best practice

Initially planned to start moving slowly but now come with this RM 1 mil will be RM 1.3 mil later really made me pull handbrake

What is stopping the policy being flip flop and later 55yo also kena revise

Every country is mulling to up the retirement age & who knows...

For the moment I just observe but need to bear the opportunity cost lor

Posted @ EPF thread so we don't derail here too far away

Just sharing

There was one month it was transferred one day late

Say I done withdrew online on 1st, 2nd no bank in (no PH etc that month)

But 3rd the money appeared, and it was super early like before lunch

This post has been edited by coolguy_0925: Mar 31 2025, 10:47 PM

Most probably, or INTERBANK GIRO delayed

Lucky $$ didn't go missing (Phew~)

Ya but better get it into bank don't need to wait for refund manyak leceh woh!

Anyway, in few hours' time many will be 5% richer

They certainly are greatly affected unless rebound happening

All the funds hold substantial % of MAYBANK and it has dropped more than 10%

Halfway there

Let's see tomorrow but this is not the end

If

Just hopefully not too reactive by selling to cut lost then GG

IF recovery is fast like within next week

IF no more pattern more than badminton

IF...

then maybe can hope for 4.75% ASM 2/3

This post has been edited by coolguy_0925: Apr 10 2025, 09:36 PM

If that is not coming to a stop

We somehow will still be affected, just look at today's drop

wow AAPL and NVDA gonna sit on a rocket tomorrow

anyway hopefully your prediction is right so that ASM 2 still got hope for 5%

This post has been edited by coolguy_0925: Apr 13 2025, 09:46 PM

but but but

some said disappointed with 5% and wanna all in EPF

You're right

Or else no one exit others how to enter right?

That's what makes conservative investors like us sticking to it

Now is really full of uncertainties

Decision can be slapped and postponed as they wished but market will jump whenever an announcement is made

I think he was suggesting that one can move from ASM to buying MAYBANK stock directly

I only have ASNB so GG not diversified enough

tak laku ke?

or all got better place to get better return

FBMKLCI back to 1500

Can ASM 2 meet 5%?

This one EPF picked up a lot

If ASNB also picked up then good laa