Same. I see if I do so, my saving rate is going backward by one year.

Move to invest in s&p, after convert from myr to usd, not even 10k, what to buy.

If you want to invest in s&p, why don't you start investing now. Epf is 100% positive return, s&p can be - 38% in one year. Very different ball game

Thanks to pendidikan moral subject than Finance subject.

If you've done your hw, you wouldn't say this. It'll go past 100k. Wait and see.