I personally like the way he flex- lol!

humble flex with points and showing /k 20k standard is not a myth


any report for 2020 yet? pls do share!

A bit regret did not put bigger portion on this
Anyhow, if you know what you are doing and the risk involved, just go ahead.

That's 3-4 years return. Faster returns.

I think 1st deposit was 2019

3rd quarter of 2019


This post has been edited by xcxa23: Apr 7 2021, 01:32 PM

UT depends on agent. Dah kena tipu dua kali serik dah

Lol. Well the one showing 20k with 16% return is actually okay. But showing a screenshot of your total epf and asb in almost every reply is just showing off. It’s 10% substance and 90% bragging. Just my opinion though lol

May i know do you guys choose which UT to invest in on your own and is it cheaper than say going thru public mutual?

Public mutual high sales charges...
buying from banks may also has high sales charges too

1st experience with dad, then banker then lowyat forum.

Buy thru agent/banker definitely expensive. Recommend thru EPF, FSM, eunitrust.

Research online. Buy through EPF or FSMOne is far cheaper than thorough bank/bank's agents

Go to FSM thread and read first page. There are some basics when it come to picking unit trust. Do not trust agent at any cost. They are only interested in making their bank account fatter.

Avoid public mutual. Use FSM or eunittrust Malaysia.

Yup I am showing off, Jangan sentap

😄 1.2 sentap ape, move to a bigger pond and feels small la

Thanks for your replies. Much appreciated. I try not to touch my epf at all but right now I'm looking at the options and the returns. Have always been avoiding agents but I didn't realize that we can invest in UT on our own and save on the agent fees. I'll try to read up more on the fees.

LOL

For some reason, there is a bad reputation on unit trust investment using epf-mis scheme, what i can say is previously the sales charge using agent is high. There is conflict of interest in whatever advise they are giving. Now it is 0% through epf-mis portal for funds under FSM and even Public mutual.

Just thing to take note 0% sales charge for public mutual is actually a promotion which ends this month. it could revert to 0.5%.

Somd fund have switching fee and even redemption fee. I make use of the 0% sales charge to make short term trade which some would not agree because this is unit trust. Make use of the 0% sales charge to trade and make use of short term opportunity.

Started from last year march using DCA. I have realized around 20k profit and unrealized is around 26k. Planning to realized the remaing once i reach my personal target. Could have made more if i dont DCA but at least i can sleep well.



This post has been edited by backspace66: Apr 8 2021, 05:07 AM

It depends on your age also.
If 1 million epf in your 30s, that is amazing
If it is in 40s respectable
If it is in 50s, i dont think it needs to be mentioned at all.

I am an average salary man in my industry, i will reach 1 million in 6-7 years (mid 40s by the time i reach that mark) but only because my 2nd account has almost zero balance. The assumption was based on interest of 5% and 0% increment.

This post has been edited by backspace66: Apr 8 2021, 08:25 AM

At age 55, its worth mentioning only if the contributor has at
least 2M and above

It depends on perspective i guess, we are talking and comparing with our own, i know some forumer here have more than 4 million in epf alone from combination of mandatory and self contribution. That guy probably laugh at that 2 million figure.

Just use EPF i-akuan. Before this I avoid using EPF money cause too much hassle. Now with i-akuan, it makes life easier.

Of course picking the wrong unit trust = getting less than EPF returns.