投资周记

 1. 金鱼缸式养鱼

  If I continue to pay KWAP myself for two years, it would be: (RM1648.15 x 5 = RM8240.75) + (RM1704.15x12=RM20499.80) + RM1760.15 x7 =RM12321.05) = RM41061.60 应对安排：用2022年2月份的UCSI工资，以及UCSI拖欠的兼职费来顶 实际金额不确定，但是应该有10000，可以顶6个月。 接下来就用超过扣税额的SSPN（一个月有750）来cover不敷之处。 Is it worthwhile?  Retrieval of Ganjaran: RM21567 Increment of GCR: RM1920 Increment of Pencen per month: RM479 Total cashback: RM23487 Difference: RM41061.60 - RM23487 = RM17574.60  RM17574 can be retrieved in 37 months of pencen  ----------------------------------------- RM72000 - RM41061.60 =  RM14000 - RM1540 (EPF) - RM1648.15 (KWAP) = RM10811.85 Total earning via EPF: RM77,280  ----------------------------------- If I stay in civil service until 60 years old