conservative markets are worse than High risk actually..

Tech, Semiconductor & AI Stocks has been on massive downtrend since early July and prices have dropped back Jan/Feb level. Coupled it with the strengthening of MYR lately, it sure gonna be a long journey back up to June's profit level.

investment is always looooooooooong term

At least 10 years

5 years and more

Personally I aim target 8-10% per year

min  10%p.a  You want to outperform EPF.
EPF is your benchmark
Add in 2-3%p.a extra for currency depreciation of the ringgit.

Don't follow me. Remember my risk tolerance maybe higher than yours. So what works for me or what I want may not be suitable for you. I can still sleep if my stocks drop my 30-50%. Can you tahan that?

It's not limited to KDI. You need to decide it somewhere down the road how you are going to approach your future. Do you want to invest or just put it into EPF. What is your risk appetite. If your risk is small put more into EPF.

Is 3.5%

If look back at earlier review KDI invest not really making money... but its all depends on your wish and also timing of in and out as KDI invest is a trust fund where KDI save is like a money market fund just for saving purpose...

sometimes i think do my OLD MUMMY method. FD and fixed income . slowly but surely might just do the trick.
Capital forever conserve. We can educate and say NOT INFLATION hedge. $$$ not growing blah blah
but i see her.. every month just
take FD interest cukup for her lifestyle. vs try to invest here there everywhere.. long run i think come up to the same. Win some lose some

Just chase FIXED INCOME and FD return enough

enjoy while opr not reduce. once reduce , 4% also hard to get

In my opinion, can save money to KDI to enjoy 4% while can standby for emergeny use

Are you saying that because you are older than 55?

I worry about liquidity thats why cant voluntarily put in EPF