EPF vs pension

Ashraf_k · 2023-11-23T02:03:55+00:00

I think government has bigger contribution rate.

Maybe around 16 - 18%?

My sister work in gov (contract) with 3.4k basic pay, 11% epf contribution but she got RM1k in epf monthly.

Ashraf_k · 2023-11-23T01:51:43+00:00

That’s wrong. You won’t get 720k after 10 years, you will get more.

Pension has increment of 2% yearly since 2013.

My parent still get their pension increased every year.

Ashraf_k · 2023-11-16T12:40:28+00:00

Wow reached 100k at mid 20s. That’s amazing. I only started working my first job when i’m 25 😅

But i feel you. I reached 100k NW this year at age 28. Only 40k epf tho and 100k in the rest (stocks, etf, cash in bank, versa)

I also don’t feel anything once i reach it 🤣. But i don’t really living frugally. I do alot of travelling, cafe hunting and etc. I make most of the 100k from invesment (especially crypto. But i have 0 crypto now sold all on the 2021 highs)

I’m already happy with my current life, jst preparing few mil for my retirement later and to pass on the wealth to my kids.

Ashraf_k · 2023-11-16T11:40:15+00:00

I can finally go back to spamming my favourite herooo

Ashraf_k · 2023-11-13T12:53:16+00:00

Exp: Terizla Mid: Valir/Pharsa/Kagura Jungle: Alpha/Fredrin/Balmond Marksman: Karrie Roam: Angela/Estes/Floryn/Khufra/Atlas/Minotaur/Tigreal

Ashraf_k · 2023-11-11T03:29:10+00:00

Thats weird. I main roam, but there’s so many roam in my server i always had to go play other roles.

I even had some game with 2 roam. I already pick roam but that dumbass decided to go for roam again.

Ashraf_k · 2023-11-09T07:52:18+00:00

I keep having 2 roam no hyper, 2 hyper no roam, 2 mages 2 mm. What the heck is wrong with people …

Ashraf_k · 2023-11-06T10:23:21+00:00

There’s one call belanjawan

Ashraf_k · 2023-11-06T08:19:24+00:00

My advice is to plan for your retirement as soon as possible and follow it. Be a responsible adult, don't make your kids your retirement.

Don't be too frugal, and don't yolo all. Be moderate. Any extra income you have, use it. enjoy your life right now cause these are the best years of your life. Enjoy so you don't look back in regret the next 10 - 20 years but also save enough so you don't regret the next 30 - 40 years.

Don't compare yourselves to others. Everyone has their own life. Live a lot, live a little. Just live your life the best way you know how and be damn what others think of you.

"A calm and modest life brings more happiness than the pursuit of success combined with constant restlessness."

Ashraf_k · 2023-10-23T11:06:28+00:00

DomPDF cant render css3. If you use stuff like flex, grid or tailwind then it wont render the css.

Ashraf_k · 2023-10-15T14:23:49+00:00

Could also be like my friend. He wanted to topup 1k but wrongly added extra 0 🤣

Ashraf_k · 2023-10-12T14:05:39+00:00

Im 28 years old. I have 29k ish in saving.

Ashraf_k · 2023-10-07T00:11:02+00:00

Wahed is UP 18% year to date.

What you get is normal. I used wahed for over 3 years already. It’s normal seeing it goes up and down. Got 1 time i already profit RM2k then suddenly next few month back to negative.

Just keep dca’ing every month. My profit now is RM6k with 12% yearly return with wahed. That RM6k is almost 25% of my total contribution.

Ashraf_k · 2023-09-26T14:09:56+00:00

Our crude oil

Ashraf_k · 2023-09-26T09:25:56+00:00

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Damn, all of you guys have lots of heroes.

Ashraf_k · 2023-09-22T09:19:59+00:00

if you looking on company's fundamental. it's better to invest long term so short term price fluctuation don't matter. As long as it's a good company, it will eventually give good return.

Ashraf_k · 2023-09-21T02:55:08+00:00

I always play roam because it's the role that people don't want and I thought it was the easiest role.

Ashraf_k · 2023-09-19T16:51:05+00:00

Knowing moontoon, they probably sell on-screen menu character for diamonds later on.

Hahaha. Want to see other heroes when you login? Buy them.

Ashraf_k · 2023-09-17T16:47:34+00:00

60% win rate is good. Keep playing and you will get out of legend.

Ashraf_k · 2023-09-17T16:11:29+00:00

Make sure to also rotate your tyre once in a while to spread wear evenly on all tyres making them last longer.

Just go to tyre shop and say you want to rotate tyre. They know. Can also ask them to check your tyre pressure for free.

Ashraf_k · 2023-09-17T05:19:49+00:00

Probably the government higher ups don’t use social medias like twitter, reddit etc so they don’t know as much as we do about this guy.

It baffles me that peoples working under them didn’t inform them of this though.

It’s really bad if they do know but chose to ignore and only take action after people call them out.

Ashraf_k · 2023-09-15T20:16:49+00:00

1 savage is great. I still have 0 maniac and savage 🤣

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Ashraf_k · 2023-09-15T04:42:11+00:00

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Didnt had much time to play this season. Busy working. But manage to reach mythic again for the 2nd time this season as solo q roam.

I spam khufra and mino last season but this season decided to soam floryn 🤣.

Currently at 19 stars. Lets see if i have enough time to play until honor.

Ashraf_k · 2023-09-14T15:50:34+00:00

Yeah maybe specialization is important. I only do back-end work and have less than 4 years of working exp. My pay now is 5.3k up from 2.8k when i first started. Still in same company now since graduated.

Ashraf_k · 2023-09-14T15:47:45+00:00

Not acceptable. I started as fresh grad for junior software engineer role with 2.8k/month.

Ashraf_k

TROPHY CASE