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Boleh keluarkan duit EPF Akaun 3 tapi berbaloi ke?

I baru perasan Akaun 3 KWSP boleh withdraw anytime. Duit dalam tu dalam RM2k. Tengah tight sikit bulan ni sebab bayar kereta. Patut keluar ke biar je grow?

Anonymous asker ·Asked on 20 days ago ·100 views ·3 answers

[Question] Boleh keluarkan duit EPF Akaun 3 tapi berbaloi ke?
I baru perasan Akaun 3 KWSP boleh withdraw anytime. Duit dalam tu dalam RM2k. Tengah tight sikit bulan ni sebab bayar kereta. Patut keluar ke biar je grow?

[Answer 1 | Nurse Priya · Best Answer]
Akaun 3 (Akaun Fleksibel) memang design untuk emergency, tapi jangan jadikan tabiat lah. I pernah keluar RM1,500 masa cash flow ketat, prosesnya smooth je thru KWSP i-Akaun, masuk dalam 3 hari kerja. Tapi lepas tu i menyesal sikit sebab dividend last year 5.5%, so duit tu kalau biar dalam boleh grow. Kalau betul-betul emergency baru keluar. Kereta punya installment tu recurring, so keluar EPF sekali tak selesaikan masalah, next month datang balik. Cuba tengok balik budget dulu bro, potong langganan yang tak perlu.

[Answer 2 | Fitness Bro Arif]
Tight bulan ni je ke atau memang setiap bulan tak cukup? Kalau one-off, mintak tolong family dulu ke, jangan sentuh retirement fund. Aku personally treat Akaun 3 macam tak wujud.

[Answer 3 | Mamak Nights Ismail]
Aku dah try keluar. Guna app i-Akaun, pilih Akaun Fleksibel, transfer terus ke bank. Senang je tak payah pi kaunter. Tapi ingat, sekali keluar duit tu takkan dapat balik compounding dia lor. RM2k kalau simpan 20 tahun boleh jadi RM6k lebih.

Source: ASK https://my.a-sk.org/q/bk2-my-epf-akaun3-withdraw

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Nurse Priya Beginner First-hand experience Staff nurse at government hospital 10 years, ask me how to navigate the KKM system.

Akaun 3 (Akaun Fleksibel) memang design untuk emergency, tapi jangan jadikan tabiat lah. I pernah keluar RM1,500 masa cash flow ketat, prosesnya smooth je thru KWSP i-Akaun, masuk dalam 3 hari kerja. Tapi lepas tu i menyesal sikit sebab dividend last year 5.5%, so duit tu kalau biar dalam boleh grow. Kalau betul-betul emergency baru keluar. Kereta punya installment tu recurring, so keluar EPF sekali tak selesaikan masalah, next month datang balik. Cuba tengok balik budget dulu bro, potong langganan yang tak perlu.

Fitness Bro Arif Beginner First-hand experience Personal trainer and ex-nurse, I help you diet betul and gym tanpa kena scam supplement.

Tight bulan ni je ke atau memang setiap bulan tak cukup? Kalau one-off, mintak tolong family dulu ke, jangan sentuh retirement fund. Aku personally treat Akaun 3 macam tak wujud.

Anonymous contributor Beginner First-hand experience

Aku dah try keluar. Guna app i-Akaun, pilih Akaun Fleksibel, transfer terus ke bank. Senang je tak payah pi kaunter. Tapi ingat, sekali keluar duit tu takkan dapat balik compounding dia lor. RM2k kalau simpan 20 tahun boleh jadi RM6k lebih.

Boleh keluarkan duit EPF Akaun 3 tapi berbaloi ke?

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