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Investment Versa

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bokbokchai
post Sep 2 2022, 05:51 PM

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Hi i just now try cash in versa. Bank already deduct money but versa not responsive for 15 mins. Anyone experiencing same issue? I close app and open then in transaction page only show draft…

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bokbokchai
post Sep 2 2022, 05:58 PM

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Oh they’re quick fast in dealing this. Already processing now after i send an email to them.
bokbokchai
post Mar 3 2023, 01:41 AM

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QUOTE(winterbear @ Mar 3 2023, 12:49 AM)
Any referral code?
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Sent you
bokbokchai
post Mar 10 2023, 10:32 AM

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Feb only 28 days maybe thats why interest low a bit?
bokbokchai
post May 21 2023, 01:54 PM

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I actually dont understand what he is saying. Lol.

Either I’m too dumb or he doesn’t know how to express 🤦
bokbokchai
post Nov 29 2023, 05:01 PM

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QUOTE(virtualgay @ Nov 29 2023, 02:47 PM)
u ask me if i am 30 now i wont even put a single cent into PRS even if taxable income is 100k
base on 100k taxable income if you invest RM3k you can back tax saving of RM570 - (you are at 19%) tax bracket
but if you are now 30 your 3000 inside PRS at most will only grow like 3.5% to 4.5% average per year for the period of 25 years
it is as good as gone case maybe you die also you cannot withdraw because is like EFP
so those young ones if u really believe in PRS then invest RM3k give it a try
those old one, just do it if you are at 50 years old like me, few more months i am 51 then i have 4 more years left then i can take out my PRS
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Omg I did the calculation and you were right. Thanks for the enlightenment. Guess I put into asnb and pay tax instead of putting into prs. I did have a PRS account and calculating around 3.5% annual interest after 10 years. If asnb consistently just give 4.5%. But investing the 3000 into asnb instead I will gain at least 5k even if I had to pay off higher tax.

Rather contribute that 3k into EPF since it’s giving also more return in comparison to PRS.

This post has been edited by bokbokchai: Nov 29 2023, 05:02 PM
bokbokchai
post Nov 29 2023, 08:01 PM

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QUOTE(!@#$%^ @ Nov 29 2023, 05:39 PM)
if u would have excluded the unfortunate 2-3 years, it was doing pretty good
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you mean PRS was doing pretty good? I won't agree so thou cuz I did give at least 10 years time for it to prove itself. 10 years time got high and low, if i could invest in apple stock during that 10 years time, thing would have been different (if im young and ok for higher risk). biggrin.gif
bokbokchai
post Nov 29 2023, 10:58 PM

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QUOTE(!@#$%^ @ Nov 29 2023, 10:27 PM)
it was decent, in fact most of the profit was before the crackdown
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I guess it’s depends also on what PRS fund you holding. Mine is top 3 countries invested is USA TAIWAN and SOUTH KOREA. Not china. Hong Kong has more composition also. But kinda sad if compared to US stock holding for that 10 year period. My PRS currently at around 66% profit after 10 years… if now wanna withdraw, cant right?

This post has been edited by bokbokchai: Nov 29 2023, 10:58 PM
bokbokchai
post Dec 7 2023, 08:11 PM

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QUOTE(FGG28 @ Dec 7 2023, 08:00 PM)
... versa save rate revised to 4% tomorrow, KDI better?
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i thought it will remain ongoing until Versa give further notice?
How come revised to 4%.
bokbokchai
post Dec 7 2023, 09:07 PM

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QUOTE(cybpsych @ Dec 7 2023, 09:01 PM)
email notice already out
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withdrew everything since months ago. didn't receive any notice. guess they dont bother to give notice to users like me. biggrin.gif

 

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