because gomen want to squeeze you until dry

tak suka sila 14 floor

owai

Of course. As long it doesn't drop to below 4% but at this rate the profit is only 2% but... But... We have compounding effect in place so it worsks

This post has been edited by Avangelice: Feb 28 2023, 11:21 AM

anak itu rejeki

Too messy.

Better just legalize it and enter a quiet room and slowly croak without regrets.

Take a look at food price, particularly fast food, jiken rice or breads.

They effectively doubled their price (not to factor in shrinkflation somemore) in the past 12 years.

This post has been edited by msacras: Feb 28 2023, 11:22 AM

Hopefully lah. Later becomes anak tanggang, susah lah.

U save and invest on your own. 50% of your income, consistently. EPF money is only for short term fun when u are at 60s.

Yes

you can compare EPF historical rate vs Gov quoted inflation rate for years

unless u want to claim gov quoted inflation rate is fake with your own formula like formulaman then that is another story

Got calculated the risk of anak becoming "char siew"?

inb4: Sulah cukuke... shiet back and enjoice da show.. jgn chk byk EPF Dan drama drama

Hmm. But for muslims need to take syariah account only 5+% dividen and when reach age to withdraw, need to deduct 2.5% of the whole kwsp balance annually for zakat.

Wonder if its better to put in tabung haji instead if they can maintain over 3% every year, TH no need to pay zakat because included already

The risk is higher when the anak is poor after growing up in the future.

Hi bro. you know insurance right if not, GH

Use first, whine again.

Insurance policies back then covered at most 100k.

Medical operations/treatments nowadays easily 100-200k.

So if we’re to look for our retirement in 20-30 years, better prepare policies which can cover you in 2-3mils.

This post has been edited by msacras: Feb 28 2023, 11:42 AM

Kita simpan dalam ASB..

Tak suka sila 14 floor?

Pls decriminalize suicide first b4 asking people to 14 floor because of gomen

B40: REEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE

they can use epf money for zakat? got source?

afaik zakat is tax deductible, if its true they essentially use epf to pay taxes

insurance co also not your saviour.

when they pitch to you, wah like must have insurance, no insurance habis liao, no need to worry, they will take care you until the "afterlife", your family no need to pay single cent, you been responsible preson because you bought insurance don't want to burden family, yaada, yaada, yaada.

then suddenly the day you really need insurance to pay your medical bills, as you lay there in the hospital to prep for surgery due to life and death surgery

suddenly the bastard insurance co say you not fulfill certain terms and delay disbursement.

This post has been edited by mezanny: Feb 28 2023, 11:43 AM