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should i invest my money in KWSP thru i-invest?
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lj0000
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 May 22 2025, 12:39 PM
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QUOTE(cakoilembutgebu @ May 22 2025, 12:22 PM) There was a cut-off time last year for the option of transferring 10% from your main account to Akaun 3. If you have not done so, after the cut-off period, KWSP will automatically set your Akaun 3 to start from RM0 (if i'm not mistaken) that was during the introduction of akaun 3 i was under the impression that all new manually added caruman goes to akaun 3, which is flexible and i can take out anytime like bank account. the money is not missing, just absorbed into account 123 by end of 2024. this year i can only take out money that i added in this year in account 3. |
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etan26
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May 22 2025, 12:45 PM
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QUOTE(Boy96 @ May 22 2025, 10:52 AM) Kwsp u have to leave it until 50-55 years old If kena cardiac arrest before that age gg your money No buat nomination ke? |
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Mixxomon
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May 22 2025, 12:48 PM
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Getting Started
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See your age and savings ratio.
For me I apply 50 : 30 : 10 : 10 rule
50% : Safe savings like EPF/Retirement Fund/ Dividend Shares (usually bank) in local
30% : Semi medium risk - Foreign currency dividend share, foreign currency gov bond, some local shares
10% : Gold
10% : High risk shit/Crypto/Genting/Suka hati
So if you see your EPF account more than 50% of your total saving and assume you are less than 40 years old, I think worth to invest somewhere else.
This post has been edited by Mixxomon: May 22 2025, 12:50 PM
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lj0000
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May 22 2025, 12:52 PM
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QUOTE(etan26 @ May 22 2025, 12:45 PM) if you need urgent money to save your life... |
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ps3 fanboy
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May 22 2025, 12:54 PM
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New Member
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CIMB click direct FDI
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cempedaklife
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May 22 2025, 12:56 PM
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No. If you are capable, invest with your own, non epf money. Epf is just safety net for you. If you say you have a lot of money in epf but not cash, you are doing it wrong ie why high salary still short of cash? Fix your lifestyle.
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anakkk
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May 22 2025, 12:58 PM
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if you really keen, there are a few funds that i think overall is good.
invest with your spare money
Public mutual global select - can buy from public mutual agent
kaf core income fund - can buy from fund supermart
if you want etf, can try s&p 500
This post has been edited by anakkk: May 22 2025, 12:58 PM
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David900924
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May 22 2025, 01:04 PM
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or u can register luno, set daily dca RM1. btc is the hottest asset. why not rite.
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DValentine
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May 22 2025, 01:04 PM
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babi pbb fund make ayam rugi
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etan26
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May 22 2025, 01:13 PM
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QUOTE(lj0000 @ May 22 2025, 12:52 PM) if you need urgent money to save your life... Why you only have savings in KWSP? Bad planning boss ..... |
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ju146
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May 22 2025, 01:16 PM
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QUOTE(H4XF4XTOR @ May 22 2025, 10:56 AM) ayam bodo but epf and kwsp not the same entity meh.? Literally bahasa Malaysia and bahasa oreng puteh |
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Ramjade
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May 22 2025, 01:28 PM
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QUOTE(lj0000 @ May 22 2025, 11:47 AM) anyone tried taking money out from akaun3?easy? Yes easy. Once reach RM10k will withdraw and buy Singapore banks. QUOTE(ridox_orimabu @ May 22 2025, 11:47 AM) lol u want to invest what better than epf? QQQ, S&P500 QUOTE(Avangelice @ May 22 2025, 12:14 PM) Abandoned fsm Go straight to s&p etf tracker. No fees and higher returns FSM still got place. PRS and for EPF investment. |
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PathofLife
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May 22 2025, 01:31 PM
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Getting Started
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QUOTE(ze2 @ May 22 2025, 10:31 AM) Give 100% , return 20%...owai |
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boyboycute
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May 22 2025, 01:31 PM
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QUOTE(JustForCheonging @ May 22 2025, 10:54 AM) I intend to put at KWSP also, tryna hit RM1mil mark. It's 1.3 mil now ...the goalposts will move every 3 years |
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ze2
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May 22 2025, 01:38 PM
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QUOTE(PathofLife @ May 22 2025, 01:31 PM) Give 100% , return 20%...owai This is korek |
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H4XF4XTOR
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May 22 2025, 01:49 PM
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QUOTE(ju146 @ May 22 2025, 01:16 PM) Literally bahasa Malaysia and bahasa oreng puteh then why people discuss it as if it's different entity. me no understand. does investing in kwsp i invest not the same is invest/saving in epf? |
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ListenToTheWind
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May 22 2025, 01:50 PM
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/k/ already keep giving pro financial advice since forever, which is "Buy the dip"
If you keep buying buy the dip, guarantee you millionaire 20 years ago
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JustForCheonging
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May 22 2025, 01:52 PM
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Getting Started
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QUOTE(boyboycute @ May 22 2025, 01:31 PM) It's 1.3 mil now ...the goalposts will move every 3 years For real? Where did you get that info? |
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keyibukeyi
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May 22 2025, 02:18 PM
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Getting Started
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sell insulance
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lj0000
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May 22 2025, 02:29 PM
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QUOTE(etan26 @ May 22 2025, 01:13 PM) Why you only have savings in KWSP? Bad planning boss ..... when u sick in hospital all barrels are scrapped clean. |
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