{"id":8512,"date":"2022-09-21T07:30:00","date_gmt":"2022-09-20T23:30:00","guid":{"rendered":"http:\/\/ringgitohringgit.com\/?p=8512"},"modified":"2023-02-05T19:10:14","modified_gmt":"2023-02-05T11:10:14","slug":"epf-contribution","status":"publish","type":"post","link":"https:\/\/ringgitohringgit.com\/investing\/epf-contribution\/","title":{"rendered":"6 Savings and Investments You can Automate, Aside from EPF Contribution"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/ringgitohringgit.com\/investing\/epf-contribution\/#Starting_an_investment_is_easy_Adding_more_to_it_is_hard\" >Starting an investment is easy. Adding more to it is hard.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/ringgitohringgit.com\/investing\/epf-contribution\/#Category_Mutual_FundsUnit_TrustETFs\" >Category: Mutual Funds\/Unit Trust\/ETFs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/ringgitohringgit.com\/investing\/epf-contribution\/#0-_EPF_Contribution\" >#0- EPF Contribution<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/ringgitohringgit.com\/investing\/epf-contribution\/#Bonus_section_1_%E2%80%93_Get_up_to_RM250_for_FREE_under_i-Saraan_Scheme\" >Bonus section #1 &#8211; Get up to RM250 for FREE under i-Saraan Scheme<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/ringgitohringgit.com\/investing\/epf-contribution\/#Bonus_section_2_%E2%80%93_How_much_should_I_self-contribute_to_EPF_Heres_your_EPF_contribution_calculation\" >Bonus section #2 &#8211; How much should I self-contribute to EPF? Here&#8217;s your EPF contribution calculation<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/ringgitohringgit.com\/investing\/epf-contribution\/#1_%E2%80%93_PRS_Private_Retirement_Scheme\" >#1 &#8211; PRS (Private Retirement Scheme)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/ringgitohringgit.com\/investing\/epf-contribution\/#2_%E2%80%93_ASNB_funds\" >#2 &#8211; ASNB funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/ringgitohringgit.com\/investing\/epf-contribution\/#3_%E2%80%93_Robo_advisors\" >#3 &#8211; Robo advisors<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/ringgitohringgit.com\/investing\/epf-contribution\/#4_%E2%80%93_Unit_trust\" >#4 &#8211; Unit trust<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/ringgitohringgit.com\/investing\/epf-contribution\/#5_%E2%80%93_P2P_lending_platforms\" >#5 &#8211; P2P lending platforms<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/ringgitohringgit.com\/investing\/epf-contribution\/#6_%E2%80%93_Cryptocurrencies\" >#6 &#8211; Cryptocurrencies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/ringgitohringgit.com\/investing\/epf-contribution\/#What_do_you_think_of_automation_as_an_investment_tip\" >What do you think of automation as an investment tip?<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div>\n<p>Easy investment tip: &#8216;get the set-and-forget&#8217; ones. Unless you have a natural passion (or desire to learn about) stocks and properties and other research-heavy investments, <em>go for the investments you can automate<\/em>.<\/p>\n\n\n\n<p>Why? Because the challenge with investing is not about picking which investment(s) to do. There are a lot of <a href=\"https:\/\/ringgitohringgit.com\/investing\/best-investments-in-malaysia\/\">good investment options in Malaysia<\/a>. The challenge is <span style=\"text-decoration: underline;\">adding more money to it on a regular basis, usually monthly, over the long term<\/span>.<\/p>\n\n\n\n<p>They may use different names for it: dollar-cost averaging, recurring deductions, monthly deductions, monthly debits, auto-invest, recurring deposits, auto-deductions, etcetera &#8211; but it means more or less the same thing. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Starting_an_investment_is_easy_Adding_more_to_it_is_hard\"><\/span>Starting an investment is easy. Adding more to it is hard. <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Most investors will start, then &#8216;forget&#8217; to contribute to their investment portfolio on a regular basis. And by not adding, <strong>the money will never grow as fast as you want.&nbsp;<\/strong><\/p>\n\n\n\n<p>I know because I&#8217;m talking about myself. Despite being an investor for over 10 years now, transferring money out of my banking account to my investment account still hurts each and every time.&nbsp;<\/p>\n\n\n\n<p>Therefore, it&#8217;s a good idea to <span style=\"text-decoration: underline;\">feel the pain once (as you set up the recurring deductions), rather than feeling the pain many times over many years<\/span>.<\/p>\n\n\n\n<p>In this article, I&#8217;ve listed out all the investments that you can automate in Malaysia,&nbsp;<em>that I know of<\/em>. If there are more, let me know in the comments section.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Category_Mutual_FundsUnit_TrustETFs\"><\/span>Category: Mutual Funds\/Unit Trust\/ETFs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<!--more-->\n\n\n\n<p>Those three things are not the same, but close enough &#8211; they all belong in the &#8216;diversified funds&#8217; category. Depending on which one you get, you might a combination of Malaysian stocks, US stocks (and other regions), precious metals, real estate, and\/or other commodities, etc.<\/p>\n\n\n\n<p>Some Mutual Funds\/Unit Trust\/ETFs you can automate include:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"0-_EPF_Contribution\"><\/span>#0- EPF Contribution <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You (probably already) know this option. Salaried people already have a portion of their salaries automatically deducted to EPF account &#8211; this goes straight to your retirement fund. <\/p>\n\n\n\n<p>By law, EPF employer contribution is set at 13% (for monthly salaries of RM5000 and below) OR 12% (for monthly salaries of more than RM5000).<\/p>\n\n\n\n<p>If you include your (employee) contribution rate of 11%, therefore your EPF contribution rate is equivalent to 23% OR 24% of your salary each month. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"24509\" data-permalink=\"https:\/\/ringgitohringgit.com\/investing\/epf-contribution\/attachment\/epf-employer-contribution\/\" data-orig-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/09\/epf-employer-contribution.png?fit=850%2C342&amp;ssl=1\" data-orig-size=\"850,342\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"epf-employer-contribution\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/09\/epf-employer-contribution.png?fit=300%2C121&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/09\/epf-employer-contribution.png?fit=850%2C342&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" width=\"850\" height=\"342\" src=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/09\/epf-employer-contribution.png?resize=850%2C342&#038;ssl=1\" alt=\"\" class=\"wp-image-24509\" srcset=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/09\/epf-employer-contribution.png?w=850&amp;ssl=1 850w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/09\/epf-employer-contribution.png?resize=300%2C121&amp;ssl=1 300w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/09\/epf-employer-contribution.png?resize=768%2C309&amp;ssl=1 768w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/09\/epf-employer-contribution.png?resize=560%2C225&amp;ssl=1 560w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/09\/epf-employer-contribution.png?resize=600%2C241&amp;ssl=1 600w\" sizes=\"(max-width: 850px) 100vw, 850px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>You can self-contribute for EPF, and automate it as well. For self-employed, or people who want to make additional EPF contributions, you can set up Set Recurring in your respective banks. <\/p>\n\n\n\n<p>If you&#8217;re using Maybank, the process is:<\/p>\n\n\n\n<ul>\n<li>Log in your online banking account<\/li>\n\n\n\n<li>Go to Pay &amp; Transfer tab &gt; Pay<\/li>\n\n\n\n<li>Under &#8216;Pay to&#8217;, Set to Payee &gt; type and select &#8216;EPF&#8217;<\/li>\n\n\n\n<li>Enter your EPF Member No, Account type, and other details<\/li>\n\n\n\n<li>Toggle &#8216;Set Recurring&#8217; and follow the next steps as instructed<\/li>\n<\/ul>\n\n\n\n<p>*People using other banks may have slightly different processes. Check with your banks. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"24508\" data-permalink=\"https:\/\/ringgitohringgit.com\/investing\/epf-contribution\/attachment\/epf-self-contribution-maybank\/\" data-orig-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/09\/epf-self-contribution-maybank.png?fit=454%2C720&amp;ssl=1\" data-orig-size=\"454,720\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"epf-self-contribution-maybank\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/09\/epf-self-contribution-maybank.png?fit=189%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/09\/epf-self-contribution-maybank.png?fit=454%2C720&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" width=\"454\" height=\"720\" src=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/09\/epf-self-contribution-maybank.png?resize=454%2C720&#038;ssl=1\" alt=\"\" class=\"wp-image-24508\" srcset=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/09\/epf-self-contribution-maybank.png?w=454&amp;ssl=1 454w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/09\/epf-self-contribution-maybank.png?resize=189%2C300&amp;ssl=1 189w\" sizes=\"(max-width: 454px) 100vw, 454px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bonus_section_1_%E2%80%93_Get_up_to_RM250_for_FREE_under_i-Saraan_Scheme\"><\/span>Bonus section #1 &#8211; Get up to RM250 for FREE under i-Saraan Scheme<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Who doesn&#8217;t want free money? Self-employed people can get up to RM250 from the government for FREE when you self-contribute under i-Saraan scheme. <\/p>\n\n\n\n<p>To get the maximum RM250, you have to <span style=\"text-decoration: underline;\">self-contribute a minimum of RM1667 per year (or RM139 per month)<\/span>. When you do Set Recurring, put your Account type to &#8216;i-Saraan\/i-Suri Contribution&#8217;. <\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">ATTENTION all Self-Employed! Dah register i-Saraan <a href=\"https:\/\/twitter.com\/KWSPMalaysia?ref_src=twsrc%5Etfw\">@KWSPMalaysia<\/a>? Dulu kena print isi hantar borang bagai now boleh buat online je! Get up to RM250 per year from gomen when you self-contribute to EPF<br><br>Steps:<br>&#8211; Go to <a href=\"https:\/\/t.co\/OV26vQqdvA\">https:\/\/t.co\/OV26vQqdvA<\/a><br>&#8211; Enter IC &amp; Profession<br>&#8211; Done! <a href=\"https:\/\/t.co\/64zpZGRljY\">pic.twitter.com\/64zpZGRljY<\/a><\/p>&mdash; Suraya | suraya.eth (@surayaror) <a href=\"https:\/\/twitter.com\/surayaror\/status\/1527203935320084480?ref_src=twsrc%5Etfw\">May 19, 2022<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bonus_section_2_%E2%80%93_How_much_should_I_self-contribute_to_EPF_Heres_your_EPF_contribution_calculation\"><\/span>Bonus section #2 &#8211; How much should I self-contribute to EPF? Here&#8217;s your EPF contribution calculation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>One common question people have (especially self-employed people) is how much they should self-contribute to EPF so they can have a comfortable retirement nest egg. <\/p>\n\n\n\n<p>You can calculate this. Go do your EPF contribution calculation in your <a href=\"https:\/\/ringgitohringgit.com\/investing\/epf-i-akaun\/\" target=\"_blank\" rel=\"noreferrer noopener\">EPF i-Akaun<\/a>. <\/p>\n\n\n\n<ul>\n<li>Login &gt; Main page &gt; find Retirement Savings (under Account Summary)<\/li>\n\n\n\n<li>Enter your Age, Retirement Age, Salary, Salary Increment Rate (put 0 if no increment), and Bonus, if any<\/li>\n\n\n\n<li>Enter Contribution Rate. If your salary is RM5000 and you plan to put RM1000 monthly, then your contribution rate is 20%<\/li>\n\n\n\n<li>Enter Annual Dividend Rate (EPF&#8217;s annual dividend rate varies annually but can just put 5%)<\/li>\n\n\n\n<li>Click Calculate<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"24504\" data-permalink=\"https:\/\/ringgitohringgit.com\/investing\/epf-contribution\/attachment\/epf-contribution-calculation-1\/\" data-orig-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-1.png?fit=1882%2C1336&amp;ssl=1\" data-orig-size=\"1882,1336\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"epf contribution calculation 1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-1.png?fit=300%2C213&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-1.png?fit=1024%2C727&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" width=\"1024\" height=\"727\" src=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-1.png?resize=1024%2C727&#038;ssl=1\" alt=\"epf contribution calculation\" class=\"wp-image-24504\" srcset=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-1.png?resize=1024%2C727&amp;ssl=1 1024w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-1.png?resize=300%2C213&amp;ssl=1 300w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-1.png?resize=768%2C545&amp;ssl=1 768w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-1.png?resize=1536%2C1090&amp;ssl=1 1536w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-1.png?resize=560%2C398&amp;ssl=1 560w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-1.png?resize=600%2C426&amp;ssl=1 600w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-1.png?w=1882&amp;ssl=1 1882w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<ul>\n<li>You will see how much your potential Retirement Savings in EPF. In this example, I&#8217;ll have almost RM900k by age 60 if I contribute RM1k per month to EPF from now until age 60<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"24505\" data-permalink=\"https:\/\/ringgitohringgit.com\/investing\/epf-contribution\/attachment\/epf-contribution-calculation-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-2.png?fit=907%2C487&amp;ssl=1\" data-orig-size=\"907,487\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"epf contribution calculation 2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-2.png?fit=300%2C161&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-2.png?fit=907%2C487&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" width=\"907\" height=\"487\" src=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-2.png?resize=907%2C487&#038;ssl=1\" alt=\"epf contribution calculation\" class=\"wp-image-24505\" srcset=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-2.png?w=907&amp;ssl=1 907w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-2.png?resize=300%2C161&amp;ssl=1 300w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-2.png?resize=768%2C412&amp;ssl=1 768w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-2.png?resize=560%2C301&amp;ssl=1 560w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2020\/05\/epf-contribution-calculation-2.png?resize=600%2C322&amp;ssl=1 600w\" sizes=\"(max-width: 907px) 100vw, 907px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>EPF is good, but not the only place to put your retirement funds. You can also use&#8230;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_%E2%80%93_PRS_Private_Retirement_Scheme\"><\/span>#1 &#8211; PRS (Private Retirement Scheme) <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>PRS or Private Retirement Scheme is like secondary, optional EPF. Many funds allow automating monthly contributions. <\/p>\n\n\n\n<p>To learn more about this option, check out my <a href=\"https:\/\/ringgitohringgit.com\/investing\/prs-in-malaysia\/\" target=\"_blank\" rel=\"noreferrer noopener\">3 Places to Get PRS in Malaysia with ZERO Sales Charge<\/a> article<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_%E2%80%93_ASNB_funds\"><\/span>#2 &#8211; ASNB funds<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can use the Target Labur and Auto Labur features in MyASNB app to automatically calculate and set up monthly deductions for any financial goal you have. <\/p>\n\n\n\n<p>For example, let&#8217;s say you want to save up RM10,000 in 2 years 2 months. Therefore, you can set up a monthly deduction of RM376 to reach your goal. <\/p>\n\n\n\n<p>Read more about this feature and how to set it up in <a href=\"https:\/\/ringgitohringgit.com\/investing\/myasnb-app\/\">3 Features in myASNB App You Should Know <\/a>article.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"21086\" data-permalink=\"https:\/\/ringgitohringgit.com\/investing\/myasnb-app\/attachment\/asnb-target-labur-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/02\/asnb-target-labur-2.jpg?fit=823%2C1459&amp;ssl=1\" data-orig-size=\"823,1459\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"asnb target labur 2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/02\/asnb-target-labur-2.jpg?fit=169%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/02\/asnb-target-labur-2.jpg?fit=578%2C1024&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" width=\"578\" height=\"1024\" src=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/02\/asnb-target-labur-2.jpg?resize=578%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-21086\" srcset=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/02\/asnb-target-labur-2.jpg?resize=578%2C1024&amp;ssl=1 578w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/02\/asnb-target-labur-2.jpg?resize=169%2C300&amp;ssl=1 169w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/02\/asnb-target-labur-2.jpg?resize=768%2C1361&amp;ssl=1 768w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/02\/asnb-target-labur-2.jpg?resize=560%2C993&amp;ssl=1 560w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/02\/asnb-target-labur-2.jpg?resize=600%2C1064&amp;ssl=1 600w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/02\/asnb-target-labur-2.jpg?w=823&amp;ssl=1 823w\" sizes=\"(max-width: 578px) 100vw, 578px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_%E2%80%93_Robo_advisors\"><\/span>#3 &#8211; Robo advisors<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are a bunch of roboadvisors in Malaysia, including Stashaway, Wahed Invest, Mytheo, AkruNow, and more. <\/p>\n\n\n\n<p>I use <a href=\"https:\/\/ringgitohringgit.com\/investing\/wahed-invest-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">Wahed Invest<\/a> but only because it&#8217;s the only Shariah-compliant one. As you can see, it has a weekly and monthly recurring deduction feature. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"24220\" data-permalink=\"https:\/\/ringgitohringgit.com\/investing\/why-is-my-investment-losing-money\/attachment\/dca-investing-malaysia-wahed-invest\/\" data-orig-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/08\/dca-investing-malaysia-wahed-invest.jpeg?fit=828%2C479&amp;ssl=1\" data-orig-size=\"828,479\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"dca-investing-malaysia-wahed-invest\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;you can set up weekly\/monthly gold purchase from Wahed Invest&lt;\/p&gt;\n\" data-medium-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/08\/dca-investing-malaysia-wahed-invest.jpeg?fit=300%2C174&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/08\/dca-investing-malaysia-wahed-invest.jpeg?fit=828%2C479&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" width=\"828\" height=\"479\" src=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/08\/dca-investing-malaysia-wahed-invest.jpeg?resize=828%2C479&#038;ssl=1\" alt=\"\" class=\"wp-image-24220\" srcset=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/08\/dca-investing-malaysia-wahed-invest.jpeg?w=828&amp;ssl=1 828w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/08\/dca-investing-malaysia-wahed-invest.jpeg?resize=300%2C174&amp;ssl=1 300w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/08\/dca-investing-malaysia-wahed-invest.jpeg?resize=768%2C444&amp;ssl=1 768w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/08\/dca-investing-malaysia-wahed-invest.jpeg?resize=560%2C324&amp;ssl=1 560w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/08\/dca-investing-malaysia-wahed-invest.jpeg?resize=600%2C347&amp;ssl=1 600w\" sizes=\"(max-width: 828px) 100vw, 828px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Learn more in the <a href=\"https:\/\/ringgitohringgit.com\/investing\/best-robo-advisor-in-malaysia\/\">Which is the Best Robo Advisor in Malaysia? Ultimate Comparison Guide<\/a> article<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_%E2%80%93_Unit_trust\"><\/span>#4 &#8211; Unit trust<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are also so many platforms to buy and automate your unit trust investment in Malaysia. Personally, I only get unit trust for PRS (#2 in this list), but you can get others and a few at once. <\/p>\n\n\n\n<p>Learn more in my <a href=\"https:\/\/ringgitohringgit.com\/investing\/best-unit-trust-in-malaysia\/\">3 Ways to Pick the Best Unit Trust in Malaysia (Advisory &amp; DIY Method)<\/a><script><\/script><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_%E2%80%93_P2P_lending_platforms\"><\/span>#5 &#8211; P2P lending platforms<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can also automate investment via P2P lending platforms. Simplistically, how P2P lending works is you agree to lend money to businesses in return for profits.<\/p>\n\n\n\n<p>There are a few P2P lending platforms out there. I use <a href=\"http:\/\/promo.fundingsocieties.com.my\/referral-program\/?r=j0kr3to6\" target=\"_blank\" rel=\"noreferrer noopener\">Funding Societies<\/a> because (1) they have auto-invest bots, and (2) they have Shariah-compliant option. <\/p>\n\n\n\n<p>Read more: <a href=\"https:\/\/ringgitohringgit.com\/personal-finance-community\/funding-societies-malaysia\/\">[SPONSORED] I Asked Hard Questions to the CEO of Funding Societies Malaysia<\/a><\/p>\n\n\n\n<p>Add-on: According to <a href=\"https:\/\/theblackbeltmillionaire.com\/how-to-automate-your-investment\/\">Blackbelt Millionaire<\/a>, Fundztastic also has a SmartInvest programme which you can enrol. It invests up to 5 investments at a time. I have not tried this. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_%E2%80%93_Cryptocurrencies\"><\/span>#6 &#8211; Cryptocurrencies<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Not for everyone, but it *IS* an option as some of the platforms allow automatic and regular deductions. I know it&#8217;s possible in Luno &#8211; you can set up repeat buy. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"20754\" data-permalink=\"https:\/\/ringgitohringgit.com\/investing\/luno-malaysia-review\/attachment\/luno-malaysia-review-1-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/01\/luno-malaysia-review-1.jpg?fit=790%2C497&amp;ssl=1\" data-orig-size=\"790,497\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"luno-malaysia-review-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/01\/luno-malaysia-review-1.jpg?fit=300%2C189&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/01\/luno-malaysia-review-1.jpg?fit=790%2C497&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" width=\"790\" height=\"497\" src=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/01\/luno-malaysia-review-1.jpg?resize=790%2C497&#038;ssl=1\" alt=\"\" class=\"wp-image-20754\" srcset=\"https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/01\/luno-malaysia-review-1.jpg?w=790&amp;ssl=1 790w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/01\/luno-malaysia-review-1.jpg?resize=300%2C189&amp;ssl=1 300w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/01\/luno-malaysia-review-1.jpg?resize=768%2C483&amp;ssl=1 768w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/01\/luno-malaysia-review-1.jpg?resize=560%2C352&amp;ssl=1 560w, https:\/\/i0.wp.com\/ringgitohringgit.com\/wp-content\/uploads\/2022\/01\/luno-malaysia-review-1.jpg?resize=600%2C377&amp;ssl=1 600w\" sizes=\"(max-width: 790px) 100vw, 790px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Obligatory: <strong>Bonus for new users<\/strong>&nbsp;\u2013 New users can get RM50 in BTC on minimum RM500 deposit (instant 10% ROI) with my code \u2018LNSURAYA50<strong>\u2032<\/strong>. <\/p>\n\n\n\n<p>Simply open a new account at&nbsp;<a href=\"https:\/\/www.luno.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Luno.com<\/a>&nbsp;&gt; Go to REWARDS &gt; Choose ENTER CODE &gt; Enter the given promo code &gt; Click Apply Code &gt; Deposit the minimum amount required &gt; Buy the minimum transaction amount &gt; Get rewarded with the additional Bitcoin.<\/p>\n\n\n\n<p>For more info, read:&nbsp;<a href=\"https:\/\/ringgitohringgit.com\/investing\/luno-malaysia-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">I\u2019m a Luno User since 2015. Here\u2019s My Luno Malaysia Review<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_do_you_think_of_automation_as_an_investment_tip\"><\/span>What do you think of automation as an investment tip? <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Do you do automating in your personal life? If yes, which ones? <\/p>\n\n\n\n<p>For me, I automate some of my investments, and manually do the rest. Personally, this is what I do in my own financial life:<\/p>\n\n\n\n<ul>\n<li>Add on to <strong>EPF<\/strong> and <strong>PRS<\/strong> once a year, to take advantage of the tax reliefs (I do this after a big payment comes in)<\/li>\n\n\n\n<li>Pay back my <a href=\"https:\/\/ringgitohringgit.com\/investing\/asb-loan\/\"><strong>ASB<\/strong> <strong>loan<\/strong><\/a> &#8211; I took RM50k loan for 25 or so years, so I&#8217;m paying ~RM289 per month (technically this is more like <a href=\"https:\/\/ringgitohringgit.com\/money-management\/debt-management\/\" target=\"_blank\" rel=\"noreferrer noopener\">paying debt<\/a> but meh, I&#8217;ll take it)<\/li>\n\n\n\n<li>Automate <strong>Funding Societies<\/strong> and reinvest my profits<\/li>\n\n\n\n<li>I&#8217;d also like to set up the weekly deposits to my <strong>Wahed Invest<\/strong> account. Still scrounging up the courage<\/li>\n<\/ul>\n\n\n\n<p>How about you? Which of the above do you personally do for yourself? Do you know of any other options\/platforms that allow you to automate your monthly contributions?<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Easy investment tip: &#8216;get the set-and-forget&#8217; ones. Unless you have a natural passion (or desire to learn about) stocks&#8230;<\/p>\n","protected":false},"author":1,"featured_media":8515,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":"","_jetpack_memberships_contains_paid_content":false},"categories":[8],"tags":[1042,1045,527,86,1043,1046,1044],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>6 Savings and Investments You can Automate, Aside from EPF Contribution - Ringgit Oh Ringgit<\/title>\n<meta name=\"description\" content=\"Aside from EPF contributions, what other savings or investments do you automate? 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