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@thefirstoftheseconds Ah I get you now. EPF said that the rate will be the same

@thefirstoftheseconds Your voluntaru contributions will be divided according to the new 75-15-10 partition. Even if the dividend is the same, you're locking up 75% of your emergency fund until you are 55

@freesoul88 Cool. Its your life anyways. My wife and I agreed upon raising our child (or children) when we are both young, energetic and playful. We will enjoy our lives later when they get older and we can treat them like a proper adult :D

@freesoul88 27M, married with a 5 months old daughter. Sole breadwinner. My wife makes some money teaching online classes as a part time. She spends her money on herself/our daughter (baby dresses, skincare, sometimes household stuff like tablecloth etc, usually those are one off purchase) and I...