No.2, 3 are the benefits mah.

interest... can use for other things also , salary also increase one if u got pr

This post has been edited by TianJian: Mar 17 2022, 10:42 AM

local fresh graduate or expat from malaysia / bangla fresh graduate?

so this tariff for local right, not malaysian

if got pr , salary also increase, which a lot

The combined interest (even if you max out your SA balance) cannot fight EPF interest, something like 4.xx% nia.

If you're referring to buying shares or property, then yes those are other benefits of CPF.

but month housing loan can deduct from cpf , epf cannot

Indeed, this is also why home ownership is high there. But many will be asset rich cash poor because cpf is kosong.

most of them spend like water when age 55 , that's why kosong , go ak those old folks than u know

make sense, priorty to locals, not expats

if u come from a poor state or ulu place, what's the point of putting epf?

going to Sgp in order to have a better life yet still holding back?

retire back to ulu place so that your next gen need to go thru that poor life again?

Sgp is the easiest way out of msia, ego wont put food on your table.

pr also consider local ald , just that u consider second citizen, although not much increase compare EP , but its a huge salary increase if u r S-Pass

This post has been edited by TianJian: Mar 17 2022, 11:43 AM

I know of quite a few Malaysians (PR) who still harbour the thought of returning to Malaysia even though they are past 50 years old and their kids are born and bred there. They tell me, "nvm, I retire in Msia while the kids have their own lives in Singapore". As if things were so simple.

Basically u stay in the spare room of a family who own a HDB

Got ppl to chat with after working hours, can be useful and help them too

Why, what makes it difficult?

In KL for a room at an okok condo also need RM 700-800. So it's almost the same lah, rental in KL and SG.

If in KL don't need pay rent then dif lah.

Retires back to msia 2yrs then conlan7firmed back to sg after that lol

Sg is crowded, cant deny that but it gives u access to everything that u need.

Once back to msia, safety already become an issue lol

I have a few friends that sembang kencang until today still in Sg

I too know at least 2 person who did this. Bought house and cars upon returning, then last2 decided to pack up and go again. I don't think they will ever try to return again.

Yup. About half of MY PRs that I know, in their 40s and 50s have converted to SG citizenship while the other half still have their MY citizenship.

I came to SG in 1986 and still have MY citizenship (although likely converting soon)...

Anyway, I am landlord in SG. so let me share on rentals.

if HDB woodlands:
common room is 650-700 for single occupancy and 900 for double occupancy.

MBR with attached toilet will be 1.2k for double occupancy

if HDB AMK:
common room is 750 for single occupancy and 1100 for double occupancy

MBR with attached toilet will be 1.3/1.4k for double occupancy