我们的 EPF 规模, 的确是有一定的 "地位". 这当然是非常可喜的事. 至少, 每年稳定的回酬, 虽然不算很高, 起码也能为辛苦工作的大马人民对退休的存款有些许的憧憬.
问题是, 在这么一个腐败又不透明的政府管理下, 我们年轻时辛苦累积的养老金, 真的会 "完壁归赵" 吗? 还是到年老退休时, 才惊觉那只是一场空?
$145B (~ 4千6百亿马币) 的总资产竟然可以无担保, 甚至不符条件下贷出 907亿! 这是接近 20% 的总资产!!! 这笔资产, 你我都是它的主人, 却有人可以神通广大, 大量提取! 国库空虚, 美化的预算案, 除了年年赤字, 还大派糖果来捞票. 钱从哪来? 画公仔就不必画出墙了吧.
如果怕这种伎俩被看穿, 还有几个方法可行.
1. 提高退休年龄
2. 限制退休后一次性提取存款
3. 降低回酬率
这些都像目前各国的债务危机, 表面解决, 实际上只是拖延的把问题挪后而已.
当然, 我不是神. 不能肯定的说我们退休时会得不到年轻时存下来的 EPF. 只能说, 我们的存款被 "莫名其妙" 地侵蚀的可能性是存在的.
所以, 我宁愿用尽一切的方法, 能够提出多少就多少. 前提是, 我必须能创造比 EPF 更高的投资. 其实, EPF 一年也不过平均 5.5% 的利息. 要高过它, 不难.
有两种方法可以每年/每季定时的提出我们的存款. 当然不是全部.
1. 用于供屋. 然后, refinance, 一直地从 EPF ACC 2 提出.
2. 投资股票. (我个人不建议信托基金)
总的来说, 只要你明白你的目的是什么, 提早提出公积金, 其实利多于弊.
4 comments:
any recommedation on how to use EPF to 投资股票
请看回我的旧贴
Indeed, it is too much.... too obvious.... too corrupted...
What can we do?
> Withdraw to pay house loan instalment.
> Withdraw to invest in share market? But the cost of withdrawal is TOO expensive.
Pity us..
I can't comment on "expensive" for EPF withdrawal. It really depends on individual how to manage their $.
For me, I withdraw every yr for house loan. Then, I plan will refinance my house loan when I see other opportunity e.g. biz. So, I will be able to CASH OUT as capital for new investment. At the same time, continue withdrawal from EPF.
For share investment, if you invest in Unit Trust, could be costly. But I used for direct share purchase, buy-sell 100% under my control. Apex & Jupiter can help you. Anyway, you will still need to pay 1.5% annual management fee, which is similiar to Unit Trust. If your EPF has sufficient $, go for Jupiter. They offer much more advantage, which can help to turn the EPF $ become CASH to you.
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