Devadason
Region: MY
Tuesday 25 July 2023 12:00:55 GMT
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Red Devil :
no this is wrong. if I didn't take out the epf money to settle home loan my house will be taken by the bank. Hence, it is better to take the epf money
2023-07-26 09:55:09
4
foongyiwern98 :
So what is the solution?
2023-07-25 15:33:34
3
SylvanianMom :
Settle housing loan first to release monthly cashflow. Take a portion of that and invest (smartly) or set up PRS. Don’t keep all ur eggs in 1 basket.
2023-07-26 16:44:08
2
Syaryusof :
Buy if u settled ur loan early means u then have more money (money that usually pay the house) to invest on other things?
2023-07-26 15:17:17
0
celine :
after 15 yrs, the house value increase more than that
2023-08-04 18:36:22
1
myli639 :
no need wait 15y, i only will think mortgage*12 VS dividen each year..i better have good cash flow by monthly basis,can buy 5g gold monthly😅
2023-07-26 17:15:11
1
AzharZain77 :
Unless, if we have extra cash to put back the 30k into EPF.
2023-08-14 22:42:07
0
freeandesy :
Not so simple to conclude the equation. If u take advantage of the amortisation curve it will be different.
2023-08-19 06:11:05
0
DShigan :
can you explain about taking out from epf to invest in Unit Trust...keep at epf better or unit trust better...
2023-07-26 09:43:46
0
CKazen :
Peace of mind and better cashflow .. worth it
2023-07-26 12:15:18
3
Alekveerat :
u should withdraw now so ur money wont influation after 55 year
2023-07-26 00:38:11
0
Kenneth.Y :
This is IF EPF gives you 5.8% constantly for 15 years.
2023-07-26 02:45:45
21
🍏 apple :
tapi dia lupa.. nilai rumah setelah 15tahun meningkat😂😂😂, kepala tak pening hutang, hidup lebih tenang.. 😂😂😂😂
2023-07-26 10:01:45
20
mnrnazri :
penerangan yg bagus...tapi ramai yg tak berfikiran begitu.
2023-07-26 07:12:27
2
immujibie :
I think we must factored in the increase of asset price i.e market price for the property and equity value as mortgage balances are paid down.
2023-07-25 13:51:43
1
Perl :
want to withdraw for the important matter like paying the credit card how
2023-07-26 06:39:37
1
devankanth1 :
How about the interest we save on the housing loan
2023-07-25 16:15:49
1
bing :
RM ever dropping, worst corrupt govn, political uncertainty, race biased policies, weak lazy citizens, dwindling foreign investments & jobs
2023-08-10 06:00:30
0
watcher21 :
the monthly house repayment will be lower after capital reduction which translate to more money to use for the person right here and right now
2023-08-10 11:33:52
0
ROSE 🌹 :
😂So how to buy house if not enough saving... No choice.. Kwsp la the answer
2023-08-13 05:47:05
0
Dinaaggaran Dinaaggaran :
bro plsss call me n meet bro...mbsb minum darah drpd bank...mbsb is make money from us
2023-08-02 17:26:26
0
Jack Alderton :
EPF carries sovereign risk
2023-08-02 14:15:48
0
elsa170324 :
Only Worry is if $ still around
2023-10-17 06:47:09
0
RazrRaze :
Don’t withdraw at any cost 😁
2023-08-02 08:54:30
0
soul_enzo :
😂..A few accountants said like this to me before they know i'm QS..
2023-08-13 16:13:55
0
Saadh Singh Khalsa :
😁
2023-08-15 08:59:07
0
freeandesy :
EPF is principal guaranteed n a gteed return of 2 pct. UT u may get -ve returns. U can get higher returns also wth more risk
2023-08-19 06:14:02
0
sang penglipur lara pendatang :
i took 50k.. 40k buy ytl share at 0.92... sold at 1.40.. make 52% return.. so guys took out n invest in undervalue good stock.. u wont regret.
2023-08-22 19:09:50
0
Ram Esh :
but if you keep paying installment for 30years, than yoy end up paying 2.5x to 3x.
2023-09-04 20:34:38
0
Mokh Tar :
I think your calculation not consider the fact loan interest is based on your remaining loan.
2023-09-19 15:50:40
0
Jeat :
The yearly interest rate of EPF & BR is not fixed.
2023-09-24 01:43:31
0
soul catcher. :
15 years .la we already gone with the wind
2023-09-24 12:59:01
0
Bryaaaaaaaan 🤙🏾 :
If you can give epf at 5.8% every year then it makes sense
2023-09-26 04:47:43
0
csr2 :
Yala... The withdrawal is to save the property. The property value increase leh...? apa la....
2023-10-16 01:06:54
0
RJ :
Tq
2023-07-25 12:15:50
0
sakuralily :
better settle loan.. otak tenang.. mana tau kwsp tukar term lapas 10 tahun, boleh keluar bulan2, lump sum xboleh, naya pak karim
2023-07-26 12:48:03
0
LaiKeat Sim :
If kwsp get screwed…
2023-07-25 22:00:33
0
Alekveerat :
bro u calculated wrong bro , influation already 6% if kwsp only give 5.8 after 10 year u still loose 2% in kwsp
2023-07-26 00:37:14
0
annietan48 :
epf interest is annually, house loan is monthly... so how much the interest I need to pay in total...
2023-07-26 01:37:01
0
DEQ P 🚭 :
info yg bagus utk org2 yg baru nk tahu tentang kewangan.. jika boleh byk kan lg video2 tentang penerangan membeli rumah Dan pengunaan duit2
2023-07-26 09:05:53
0
user5470930597940 :
So conclusion is to withdraw EPF to settle home loan or not?
2023-07-26 09:53:14
0
QueOmz :
no no.. this uncle have hallucinations. IF I not withdraw my EPF money. Gov will use for private jet to go travel 😂😂😂
2023-07-26 11:49:11
0
Nama :
Hmmm
2023-07-26 12:43:17
0
SinovacBoy :
Sifu, can you plz talk about adding cash into EPF? As a saving
2023-08-02 02:51:59
0
Crystal Low :
No matter how bad the interest is given from EPF I’m sure it will be higher than the housing loan interest.
2023-07-26 13:13:47
0
Jeri_Anne :
good cashflow is important too
2023-07-26 15:48:21
0
user6723215917573 :
69888 is not dividend earned, it's total value after 15 years. If U managed to save 55K doing this, then U have saved 25K, not lost 15K
2023-07-26 23:04:52
0
inner harmony :
bot really, inflasi alone will eat down epf
2023-07-27 18:51:45
0
inner harmony :
you are not telling a full picture, when epf give 5,8 percent my friend
2023-07-27 18:52:41
0
inner harmony :
you are epf staff??
2023-07-27 18:53:52
0
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