Search results

  1. J

    EPF 2023 dividend, Conventional 5.5%, Shariah 5.4%

    @russman then if bonds is your game, buy directly via FSMOne. they got oddlot/small lot bonds. govt & private. 5k minimum i think
  2. J

    EPF 2023 dividend, Conventional 5.5%, Shariah 5.4%

    @russman to me, you should just max out your tax bracket 4k (if employer hasn't already). I think own cash, better self invest elsewhere for better ROI. leave EPF for retirement. at least even if you f/up for normal investment, you have this safety net. of course, don't la do withdrawal...
  3. J

    EPF 2023 dividend, Conventional 5.5%, Shariah 5.4%

    @russman suspect also. but honestly have no way to prove it, unless got insider wiling to speak out
  4. J

    EPF 2023 dividend, Conventional 5.5%, Shariah 5.4%

    @russman yeah true. forgotten bout the sheer size of its AUM.
  5. J

    EPF 2023 dividend, Conventional 5.5%, Shariah 5.4%

    @sprinter1970 some perspective : EPF does not charge a sales fee, admin fee, maintenance/management fee EPF is for retirement purposes, i.e long term (20-30 yrs). Not for a quick buck. That you need to dabble in high risk equities. EPF objective has always been moderate, consistent growth...
  6. J

    Friend won’t pay me back, what’s my opinions?

    @resjudicata ahahaha.
  7. J

    Is 30% of savings worth it if I’m stressing out too much?

    @reallylongnickname then stick to that. cars are short term, no point putting in high risk and high yield instruments. How much i the d/p? 10% ? how much you planning to put? Now days cars got 100% loan. try look for that instead. Cars are depreciating asset. The less money out of...
  8. J

    Is 30% of savings worth it if I’m stressing out too much?

    @reallylongnickname your 25. What are you doing with that 30% monthly saved up? is your money working for you? Did you invest it? ROI doing well? Please dont put in FD or leave in savings acc. What your going thru is a minor blip. If you are truly discipline, it will be back on track to 30%...
  9. J

    Advantage of becoming T20

    @hummelav T20 - no advantages. why would they give a sprinter a wheelchair? If anything, they require you to "contribute" to your country but monetarily. Maybe even set up shop and create employment opportunities
  10. J

    How to improve on my year 2023 portfolio for 2024?

    @tonyangiano FP here. some notes ( just my opinion btw, NFA since i dont know your whole scenario) TNG & FD - pick one (the higher ones obviously) They are essentially the same Stocks - diversify outside Msia. regional (Asia/Asean/Europe/US) ASNB - its essentially a unit trust/mutual...
  11. J

    How to sell car with loan remaining 54k(another 3 years left)

    @donkeyhead https://www.mudah.my/malaysia/cars-for-sale/honda/hr-v/2017?gad_source=1&gclid=Cj0KCQiA67CrBhC1ARIsACKAa8Q-Vyvs140AuEFoxklyeKwEWKHCiJ97kopLpSjJZbyRHXQlnFOYcncaAuoiEALw_wcB quick check, market price around 60-66k. i think you can get higher than 54k easily + the discount of the...
Back
Top