Replying to Avatar jupling

From 2015 to 2022, the real return on EPF is 4.5% p.a. after adjusted for inflation.

8 years of return data based on national average salary. In order for one to retire comfortably, you’ll need RM600k. For the next 30 years, this person need to earn at least RM6160 per month in order to achieve that. Current median salary is about RM3k per month. At least more than 50% are unable to earn enough to retire, ignoring withdrawal and other factors.

*inflation calculated based on GDP deflator, 2022 data not available, used food inflation in 2022 as replacement.
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jupling 2y ago

Going solo will likely be a better option.

That 11% mandatory deduction of your income could be place in inflation resistant asset - btc

and not be tied with the government when you need to utilise it - your freedom

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