Prepare for the worst, the calling is near .... face it like a man ....

i help u summarize the important points from the comments by others:

1. if you don't need the money for the next 20 years , you can put in there.
2. There are only like 2 -3 good funds that can match or exceed EPF returns for 3-5 years. You need to do your homework.

case closed

If u need liquidity, all in mbsb fd 4% fd rate.
If not needed, then kwsp compounding interest.

I bet what they are saying here is to add more investment into Epf than the standard contribution from the statutory income.

I regret it. Still losing money. Useless mutual funds, should have just left it in EPF.

Diff bos.

I-invest is allowing you to use your epf and buy stupid mutual funds from PBB that helps to pay my annual dividends while losing your investment.

EPF money is managed by EPF and gives you 5.5-6% p.a.

if you are not a risk taker...dont know how to invest and no time to jaga your portfolios..... KWSP is your best bet.... world class fund managers with steady return every year and no extra costs to u.


if EPF dividend rate is 5.5% .... outside u need to make maybe 6% or 7% to cover agent fee, this and that taxes to match the money u got from EPF dividend. no matter how smart u r... i believe in long run, EPF still the best bet...


some ppl say very risky to put all in EPF... trust me that if EPF bankrupt i guess all financial institutions and Bursa all in deep shit as well...

This post has been edited by Sukhoi35mkm: May 22 2025, 07:36 PM

Go find the gurus online.


Godspeed ts.

Now? Or 3 year later?

Deswai we have so many millionaires here. /k is the gathering of the smartest and most financial literate people in Malaysia.

I always belip the financial advice I read on /k. Ayam hope one day ayam can be a millionaire like the smart people in /k

This post has been edited by Sihambodoh: May 22 2025, 07:51 PM

you can make 5% coupon on US treasury today.

By now, everyone should know that someone just threw some bones to them to cari makan at your expense

You take the risk. They take their fees. The longer you stay, more milk for them

Their mantra, "DCA for the long term""Market will always come back in long term".

Many Sohail are going to lose money in it.

all in acct 1

no ragrats