Don't worry. Will put more. Won't bother with EPF. Lol.

Hehe. I like that.

It's TRUE!

Choose wisely.

Then do frequently monitor and review of its performance against the ²current situation at that time and make wise decision about it based on the situation at that time.

Make wise decision about the need to change funds after that monitoring..

But Wise or not can only by tell after the facts....ha ha ha

Unit trust charge management fees yearly, could be substantial over many years.

Worth it if can give 10%p.a.nett fees

This post has been edited by Ramjade: Jun 17 2024, 10:00 AM

Not many unit trust could deliver this consistently.

Yes sadly, hindsight vision is always 20/20

if can consistently nett 10% pa, we dont need to work already.

Just use banks' money to make money.

start small RM1 million nett a year RM100k.

upscale to RM100million, get RM10M a year
just how much extra work is that?

If bank loan expensive come get it from here 6% no frills.

According to wealth reports, only 4% of adults in this country have over USD 100k net worth. Also means less than 1% have RM 1m cash.

I’m happy to say that even at 5% consistent interest I’m ready for full time retirement haha

i meant to say go take bank loan..
not use own RM1 million saving.

If cant get RM 1 million loan ,take smaller loan also can
sure untung right?

sikit sikit lama lama jadi bukit


bro when your quantum is big enough, at 1% also you are ok.

imagine people with small quantum 10% dapat RM80k a year
you 1% also can dapat SD1 million a year.

Fair point. But nah, need a minimum 4% per annum to make sure I keep my head above the magical self set SGD1m mark (excluding our property returns)

bro can give list of recommendations fund for EPF? besides KAF core

Surprising quite a lot.

You can. It's up your risk factor lo. Loan need to pay off. If own money no bank going to come after you.

Actually a lot. Can check out FSM page. Fund selector. EPF approved fund. I will be waiting for them to enable back global titans (returns are lower than KAF core surprisingly). For me, I just buy one and stick with it. If the wheel ain't broken, don't change it.

These KAF CORE & GLOBAL titan?

Kaf core have managed min 10%p.a for I think 10 years already.

Principal global titans was one of the few fund with overseas exposure but disabled by EPF. Reason of disable Iusnure but I can only speculatr that they want people to invest locally. Just speculation cause that time ringgit dropping. I don't believe in coincidence in govt related policies.

This post has been edited by Ramjade: Jun 17 2024, 09:53 PM

The KAF core fund looks impressive!

I was shocked. For a Malaysian fund. It have been outperforming the EPF for years!!!

I maybe a DIY guy but if something is good, I will just pay them to do it for me.

This post has been edited by Ramjade: Jun 17 2024, 10:19 PM