inb4: There we go again....

Byk org kaya

no need to bother if you are going to die by 60

Sekali kena scam

Die die save until 1.29m then dieded...what a waste.

worse case scenario is, u used up all your money but u haven't mampus yet

carum by employer + you = 23%. IF your 23% also doesn't reach 3K, sendiri top-up the remaining balance. true story. commit makan 1+1 meal a day, utilize all the office resources -- u will succeed eventually in a span less than 12years.

1.3m is too easy to achieve. by 30 your salary must have 5k min then by 60 can reach above 1m already.

btw across years avg epf give the interest is how much? 5% or 5.5%?

need to save rm955/mnth jer dik...

The winter has come


https://www.malaymail.com/news/money/2025/0...ke-a-hit/179153

KUALA LUMPUR, June 3 — The Employees Provident Fund (EPF) recorded investment income totalling RM18.31 billion for the first quarter ended March 31, 2025 (Q1 2025), a 13 per cent decline from RM20.99 billion in the corresponding period in 2024.

It said the total investment income includes RM1.02 billion mark-to-market gains on securities that have not been realised, due to foreign exchange rate fluctuations. In line with the EPF’s policy, these gains will not be distributable as dividends.

EPF chief executive officer Ahmad Zulqarnain Onn noted that global markets turned volatile early in 2025 on renewed trade frictions and policy uncertainty.

He added that uncertainties surrounding US trade policies affect major stock markets throughout the quarter although the tariff announcement was made by the US administration on April 2.

“Despite the moderation of inflationary pressures in many economies, the pace and timing of monetary policy easing differed across regions, dampening risk appetites. Our diversified global portfolio cushioned the impact and kept the EPF on course for long-term value creation,” Ahmad Zulqarnain said in a statement today.

During Q1 2025, equities contributed RM10.81 billion, a 23 per cent decline from RM14.02 billion recorded in Q1 2024 mainly due to weaker performance across global equity markets and a challenging investment climate.

EPF said equities continued to be the highest contributor, accounting for 59 per cent of total investment income while fixed Income continued to anchor capital preservation, contributing RM5.99 billion or 33 per cent of total investment income.

most likely ppl will reach 350k at 60 years old , considering short fall of 30k necessary retirement

Yes definitely achievable,but only less than 15% can
Majority 70%,rm 250k also tak dapt

Below 5% inkumbing

when he questions about RM660 per month for food is questionable. I can literally show him that even middle age people like myself also controlling my budget at that range with majority of my meals settled with home cooked food.

And elderly would be even dining out less with all the time they have.

Jeng Jeng jeng...

M-fortis should try to achieve 1.3mil...

T-twenties should try to achieve 5mil....

B-forties should try to survive and not get de popz...

That 1.3 M figure is for today right? I mean in like 10 years time that should be above 2 M?

This post has been edited by Capt. Marble: Jun 4 2025, 08:20 AM

Equity investment as in high on local bursa? Decline 23% Y2Y

This post has been edited by jojolicia: Jun 4 2025, 08:26 AM

normally 5% - 5.5%

B40 trying hard to used up before retire

XRPee gg

RM 660 / 30 days = RM 22 per day

let's say 1 day eat 3 meals, each meal maximum is RM 7 ?

What can we buy with RM 7 per meal these days? anyone here can share?

If lazy to cook can get Lotus's rotisserie chicken for RM20.99. Enough to cover a few meals, if you don't get sick of eating the same thing all the time lol. DIY bread and eggs for breakfast. Definitely cheaper than eating out all the time.

early morning perhaps 1 piece of bread with a glass of drink
lunch and dinner home cook, vege + meat

why not?

For me now is 2 meal a day, lunch with vege + meat, then dinner just oat drink, even lesser than RM20 a day.

my parents and grandparents who are in the 70s and 90s now, also dine out less due to prefer less oily and bland taste food. You can't gauge elderly consumption with young people diet and appetite.

This post has been edited by gundamsp01: Jun 4 2025, 09:52 AM

In 20-30 years when /k/ retire should be 3-4 mil considering inflation 3%

This post has been edited by nobrainer86: Jun 5 2025, 11:07 AM