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Umur 25 baru sedar tak ada simpanan langsung, macam mana nak mula dari zero?
Gaji RM3,500 tapi habis licin setiap bulan, tak ada simpanan. Baru sedar teruk bila kereta…
9,140 views
Home / All categories / Money & EPF
Money & EPF
Saving, EPF/KWSP, ASB, stocks, debt, and budgeting.
20 questions · 76 real answers · 788 followers
3
Can I use EPF Account 2 for house downpayment ah?
First time buying rumah in Kajang, agent say I can tap KWSP Account 2 for the downpayment.…
7,645 views
26
Can I withdraw EPF Account 2 for house down payment and how long does KWSP take to approve?
Planning to buy my first house next year, a RM380k apartment in Kajang. I have about RM45k…
196 views
25
What are things you wish you knew earlier about managing money in your 20s in Malaysia?
Just started working, RM3200 salary. Don't want to waste my 20s being broke and clueless. …
212 views
4
What's it actually like withdrawing from EPF Akaun 3 (Akaun Fleksibel) for the first time?
I know since May 2024 KWSP split our savings into three accounts and Akaun Fleksibel is th…
700 views
4
Should I self-contribute EPF as a freelancer?
I'm a freelance designer with no employer EPF. Worth to top up myself (i-Saraan) or better…
770 views
2
Should I withdraw my EPF Account 2 to pay off my debt?
Got some credit card and personal loan debt piling up. Tempted to use EPF withdrawal to cl…
869 views
0
What are the hard lessons of withdrawing EPF Account 2 for a house downpayment
I'm 32 and finally buying my first apartment in Cheras. Agent told me I can withdraw from …
748 views
4
Should I do EPF voluntary top-up (i-Saraan / Self Contribution) in my late 20s or invest myself?
I'm 28, been reading about topping up my EPF voluntarily on top of the normal deduction, s…
353 views
1
Injured on the way to work, can claim SOCSO?
I met with a small accident on my motorbike while riding to office, injured my leg, medica…
760 views
5
PTPTN loan RM32k, should I settle lump sum for discount or slow ansuran?
Fresh grad working now, PTPTN balance around RM32k. Sometimes govt announce discount for f…
482 views
2
ASB financing loan worth it or just invest cash slowly?
Bank keep offering ASB loan (pinjaman ASB) RM200k. They say ASB dividend higher than loan …
674 views
1
Withdraw EPF Account 2 for house downpayment, worth it?
I got around RM40k in Akaun 2. Should I use it for house downpayment or leave it to compou…
516 views
4
Should I withdraw EPF Account 2 for house downpayment?
Buying first house, short of downpayment. Can withdraw from EPF Account 2 for property. Bu…
310 views
0
Fresh grad want to start investing, where to begin in Malaysia?
I am 24, just started working gaji RM3200, managed to save some. Want to start investing b…
481 views
4
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…
165 views
0
Is topping up EPF via i-Saraan / voluntary contribution actually worth it?
I'm self-employed doing freelance work so no automatic EPF from an employer. Thinking of v…
65 views
0
Just started working, how much of my RM3000 salary should go to savings?
Fresh grad, take-home about RM3000 after EPF. Staying with parents, give them RM500, rest …
58 views
0
Should I use EPF Account 3 (Akaun Fleksibel) for emergencies or leave it?
With the new EPF three-account structure, I now have Akaun Fleksibel that I can withdraw a…
56 views
0
Should I withdraw EPF Account 2 to pay off my car loan?
I have about RM40k in my EPF and a car loan balance of RM35k at 3.4% flat. Thinking to use…
56 views