Early Retirement Plan

 

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 

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RM72000 - RM41061.60 = 

RM14000 - RM1540 (EPF) - RM1648.15 (KWAP) = RM10811.85

Total earning via EPF: RM77,280 

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If I stay in civil service until 60 years old