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楼主: 蚂蚁小弟

你想用EPF的钱投资股票吗?

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发表于 2012-8-28 08:54 | 显示全部楼层
回复 80# 蔷薇恋人


    第一个户口的钱都是不能动,只有第二个户口符合某些要求才能拿出来供屋,读书,买电脑,或其他等等。 第一个户口只能拿部分的钱来买基金,而且只能买限定的fund,不多选择,如果有兴趣,建议买定律回筹高的,而且是需要几年以上才看到点成绩,可是卖了后,赚到的钱也是要转回去第一个户口,直到你退休年龄才能拿出来。。。

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发表于 2012-9-23 14:18 | 显示全部楼层
回复 81# yslai36


第一个户口可以拿来投资基金.

现在已经有几家基金公司被获准了.

而且不像以前,只能选有限的几个基金. 客户可以有很多选择.

比如小弟的公司. 有27个基金可以选择.
其中HDBS MAAKL FLEXI FUND.
近3和5年都得到全马最高回酬.
5年=95%,average = 18%每年。

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x 12
发表于 2012-9-23 17:26 | 显示全部楼层
回复 82# cyaoping


    对啊。。。我有说第一个户口的一部份钱可以拿来买基金啊。。。

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发表于 2012-9-24 13:43 | 显示全部楼层
Using EPF money for investment, my personal is don't like due to loss the yearly EPF interest rate around 6% + initial invest on fund 5.5%.
Total loss for first year is 11.5%.
Unless that fund yearly return can more than 11.5%.

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发表于 2012-9-24 13:45 | 显示全部楼层
Sorry my mistake. I think "股票" is fund.
Sorry......

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发表于 2012-9-25 15:10 | 显示全部楼层
回复 84# sharonpctan99


There is some mistake. You can't count like that.

Initial invest EPF to fund only 3%.
Average Unit Trust yearly Invest return is 10%

Effective return rate would be, 10-3 = 7% (This only for conservative calculation)
(Actual return might go higher 8-12%)

EPF rate, from past year record is 4-6% only.

According 72 rules,
If use every year 6%(Possible?), EPF take 24 years to make 10K to 40K.

If invest in correct Unit Trust  every year 10%, Unit Trust take 21.6 years to make 10K to 80K.

Last year there is withdraw 3 billion from EPF. To you think they wouldn't calculate?

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发表于 2012-9-25 19:59 | 显示全部楼层
回复 86# cyaoping


    But last year EPF rate is more than 3%, if no mistaken maybe 6%.
Therefore gap is 3%.

But first times invest need to pay 5.5% service fee, am i right?
So if last year before EPF announce dividend 6%, then i go to invest mutual fund & initial loss must be 5.5% service fee + 6% EPF dividend = 11.5%.
If my investment fund is every year return 12% but first years confirm is loss, can i estimate like that?

Continue year, If EPF dividend aorund 5% for every year then my fund actual return is 7%/year.
I just concern on first year loss.

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发表于 2012-9-26 13:43 | 显示全部楼层
回复 87# sharonpctan99


Last year EPF rate is 6% but the rate would not maintain 6%.
If like that can you use 1983-87 rate  8.5% count de return??

EPF invest initial sales charges only 3%.

If you say the fee is high. But have you think about it only charges you when you get in the invest.
If 20 years only = 3/20=0.15%
It doesn't like share market. Need to in/out frequently.

When EPF give you 6%,means market in bull.
What to you think those unit trust performances last year? 10-20%

"Continue year, If EPF dividend around 5% for every year then my fund actual return is 7%/year.
I just concern on first year loss."
Yes, you can consider like that. But the 7%/year is 5%+7% which means you get more/another 7% compare to EPF.

so which one you prefer?
Think again with 72 rules

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x 762
发表于 2012-9-30 14:45 | 显示全部楼层
我看到一个七月15的unit trust consultant来这里招生意

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x 9
发表于 2012-10-31 22:59 | 显示全部楼层
请问现在还有得拿EPF的钱投资股票吗?〉ACC1要多少钱呢,我84年的

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发表于 2012-11-1 11:59 | 显示全部楼层
關於為什麼要收1.5%管理費.
大家好象很不爽,可是为什么没有想过
1.基金经理不用给薪水,免费帮你买卖股票
2.每半年收到的 statement , annual report 的印刷费,邮票钱
3.基金的行政费用,基金行里做功的人薪水,花红等等。。。

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发表于 2012-11-13 19:50 | 显示全部楼层
回复 90# jiannwei

根据KWSP的规则,

28岁, Acct 1 必须有RM19000, 你才可以拿RM1000 出来投资。

(acct 1 amount - 14000)x20%= total money can withdraw invest (not less than 1K)

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x 9
发表于 2012-11-14 15:49 | 显示全部楼层
这个我知道,但投资股票呢?最少要多少钱呢?

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x 12
发表于 2012-11-15 16:10 | 显示全部楼层
我不会拿出来投资,就算投资也不会选者股票

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x 3
发表于 2013-1-26 12:50 | 显示全部楼层
想拿来投资但拿不出来因为不符合条件

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x 0
发表于 2013-1-30 20:31 | 显示全部楼层
想~我很想!!!

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发表于 2013-2-1 17:00 | 显示全部楼层
要怎么用EPF投资股票?pm我

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x 9
发表于 2013-2-2 06:37 | 显示全部楼层
是咯,不符合条件啊。好像30岁以下account 1要超过50千,才有资格对吗?

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发表于 2013-3-23 22:44 | 显示全部楼层
Wish to know how.
Prefer gain more experience before touch EPF money

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发表于 2013-3-26 16:58 | 显示全部楼层
没有EPF,如果有的话会想拿来投资股票,与其放在里头不如拿来投资。

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