I was doing some internet banking transactions today, saw the above advertisement from HLBB. The wording caught my attention in which it says "Now everyone can invest in shares!" and "NO CASH NEEDED". What d hack !?? no cash needed !!! oh, see beside "EPF's Members Investment Scheme" !!

For a moment i thought, no cash needed. wow fantastic !! deeper thought, still needed cash, just that it's from your EPF account 1. You need at least >10K in EPF account 1, see EPF Withdrawal Eligibility here for more details.

Now, something for you to ponder, let say average EPF yearly dividend is about 5%. If i make a withdrawal from EPF and park those money in REITs to get at least yearly dividend of 7% to 8%. In return, i still fetch back at least 2% higher or more assuming the shares price remain unchanged. Looks pretty much worthy right ? After all can't even take out those money until you reach 55 years of age. Assuming you have 20 years more to run till your retirement age, 2% a year will give you extra 40% when you reached your retirement age. ha ha ha ha !! Is it just simple as that ??? Do your math dude. !!