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@lichtoefur There is possibility that everyone else does better than S&P 500, which is what happened during 1970s and 2000s, my suggestion is VWRA which is global market cap

@lunamu If I were him/her, I won't even risk it, why take unnecessary risk for money you don't need? 15k per month + diligent investing will make him very fast. I doubt many managers make this kind of money

@christianinchrist But the thing is, a lot of stuff is imported, so the depreciation does matter, and by a lot

@mattmanticus Don’t agree, reits are just a sector of the market, it can outperform or underperform, and since we are only buying the highest yields one here, we are exposing ourselves to idiosyncratic risk of both individual stocks and real estate sector.

@jfarmer Tried those before, too illiquid and returns don’t beat EPF for now, in the future maybe can consider

@jfarmer I got a lot of overseas investment already, like 70% of portfolio, which is why I contribute into epf, it’s like a bond for me, but if it keeps getting politicised, I will not contribute more and just wait for it to compound to 1 million and spend the dividends

@jfarmer I was considering contribute quite a lot into epf say bond allocation, but after this I am kinda reluctant to put more, guess I’ll just stick it in us bonds instead

@jfarmer Which is why I have a hunch that they used conventional funds to increase dividend of syariah

@idrys Bad advice, and a good way to introduce concentration risk

@jfarmer Overhead cost is definitely not 0.5%, you have to account for the massive AUM of PEF, more like 0.1% to 0.2%

@treegreentrey Yes, because there's 0 risk, it's better than bonds

@lichtoefur 70/30 would be best, because epf has some equities as well, and you don’t get crushed when myr appreciates

@ineedadvice101 Long term returns since inception is 5.5%, but it's still pretty incredible when you account that there are NO years where you lost

@westmedsupply I invest globally though index fund, problem solved

@savasa82 Peppy car with great handling for it's price and being a front wheel drive, only complaint is it's too big, parking can be a chore

@savasa82 This, I kinda regret getting a new honda civic, when I can get a used lexus sedan for less, granted its a fairly old car

@shahbaz I forgot which one, can check the bogleheads forum

@muslim_terrorist Even epf interest is higher than the car loan

@shahbaz Someone debunked it, it’s usually better to be 90/10, 2000 to 2010 and 1929 is not good for equity only investor, even if you diversify globally

@dekaewaii Don’t, buy with cash at that interest rate