azrul aziz

gf kita cantik

[Troll Football @TrollFootball]

Chelsea's terrible season keeps getting better and better

https://t.co/zYKzBpdPNM

[Tharma Pillai 🗳️ @TharmaPillai]

Everytime I drive in KL, I think of this

[Financial Faiz @financialfaiz]

"Salam. Berbaloi tak kalau guna akaun 2 kwsp untuk settle kan hutang ptptn? Since sekarang tengah ada diskaun kalau bayar full. Mohon pendapat tuan. Terima kasihhh 📷"

Nak jawab soalan ni kena buat a few assumptions, dan kena faham different people ada different figures termasuklah the repayment tenure. But the answer should apply to everyone as you just need to plug the numbers

Assumptions:

1. PTPTN outstanding loan is RM10,000
2. 20% discount on the outstanding loan if you proceed with the full-settlement
3. Profit rate is 1.00% simple interest calculation
4. PTPTN repayment tenure is 10 years
5. EPF dividend is 4.50% per annum
6. You have RM10,000 balance in your EPF to work on these two options

Option A: bayar macam biasa, no full-settlement

1. PTPTN monthly installment calculation:
(RM10,000 + [RM10,000 x 1%/year x 10 years])/120m = RM91.67/m

2. Total installment paid to PTPTN after 10 years: RM91.67/m x 120m = RM11,000

3. RM10,000 in EPF compounding for 10 years: RM15,529 (see Fig. 1)

4. After paying installments worth RM11,000 to PTPTN for 10 years, you end up with a balance of RM15,529 in your EPF account

Option B: Getting the 20% discount by making the full-settlement

1. As you have paid your PTPTN in full, you don't have to pay the monthly installments anymore. However, instead of wasting the extra RM91.67 in your monthly budget, contribute the same amount into EPF on a monthly basis for 10 years. You will end up with RM13,794 (see Fig. 2)

2. On top of that, since you got the 20% discount, you only paid RM8,000 to fully settle your PTPTN debt, and still have RM2,000 balance in your EPF account that can be left to compound for the next 10 years

RM2,000 in EPF compounding for 10 years: RM3,105 (see Fig. 3)

3. After contributing RM91.67/m into your EPF for 10 years totalling RM11,000, you end up with RM13,794 and RM3,105 in your EPF account for a grand total of RM16,899

Conclusion:

Money-wise, taking the 20% discount and putting the money back into your EPF is the best option. Obviously you have the option to deposit the RM91.67/m into other funds such as ASB or even FD despite their lower returns. This gives you better liquidity as EPF funds can be quite difficult to withdraw

Option A ends with RM15,530; while Option B ends with RM16,899. Option B is better

Are you enjoying my Twitter Blue posts so far?

#kwsp #epf #ptptn

[Khairul Azri @mkhairulazri]

on point.

[Ian @ianfluencer]

Finally paid off my vodka cran from last month. God is good 🙌

[Dr Nimelesh @HausofHilton]

To avoid straining your eyes at work when you are continuously working, follow the 30-30-30 rule.

After 30 minutes of working, look at something 30 feet away and then go on a holiday for 30 days.

[azrul aziz @azerulllaziz]

“RM 1 harini tak sama dengan RM 1 esok” so dont bother to clear the PT using EPF unless ada discount gov bagi like previous case. Sangat lah membazir principal EPF tu. Apa apa pun terpulang kepada debt management masing masing.

[Saroarrr @sara_nikka]

all of them off. So I told my friends who worked in finance over a decade, hey I want to pay everything off. Then they asked "Do you pay monthly? "Why are you rushing, right now paying certain amount monthly seems like a burden, but nanti RM 100 macam 10 sen je in future"

[Injang @Injang_Nation]

Ikut cara aku ja

Rumah 500k, bayaq downpayment 500k. Bulan-bulan dah takyah bayaq. So no interest. Bijak bukan? Aku dah buat dah.

Dalam mimpi. Bila aku celik, aku decide nak menyewa ja sampai mati. Harga rumah punya mahai, nanti mati tanam dalam tanah jugak bukan dalam rumah.

[Zac @ZacZakirin13]

PLUS keluarkan guideline utk kita follow semasa drive di Highway. Always remember, kalau kita perlahan, stay belah kiri sekali. Sbb ada banyak lagi kereta lagi laju drpd kita.

Balik Kampung CNY ni bolehlah practice ya. Sila beringat dan improve diri untuk drive better.

[Zac @ZacZakirin13]

Ramai juga org tak puas bila aku cakap abt Lane Hogging semalam. Tengok video dlm ni, ramai driver stay dkt jalan tengah and you don't feel it's wrong?

"Ikut kiri jika tidak memotong"

Driver menyantai lane tengah ni menyusahkan orang. Kalau terasa, silalah upgrade common sense.

[ASNB @ASNBmy_official]

ASNB mengumumkan pengagihan pendapatan 3.35 sen seunit, bonus 1.25 sen seunit dan Bonus Tambahan 0.50 sen seunit untuk 30,000 unit pertama untuk Amanah Saham Bumiputera (ASB) bagi tahun kewangan berakhir 31 Disember 2022.

[Astro AWANI @501Awani]

Seramai 37 individu berjaya diselamatkan dalam kejadian tanah runtuh di sebuah tapak perkhemahan di Batang Kali, pada awal pagi Jumaat.

Ikuti berita terkini di https://t.co/Ia2kVam8YD

#AWANInews

[BERNAMA @bernamadotcom]

Pasukan Bomba sedang mencari dan menyelamat 100 orang yang berada di tapak perkhemahan di Father Organic Farm, Gohtong Jaya, di Genting Highland, Pahang, dipercayai menjadi mangsa runtuhan tanah runtuh berketinggian 30 meter, awal pagi ini.

📸 Bomba Selangor | @bombaJBPM

[Astro AWANI @501Awani]

Arahan itu ditandatangani oleh Ketua Setiausaha Negara, Tan Sri Mohd Zuki Ali, dan telah diserahkan kepada semua ketua setiausaha kementerian masing-masing.

#AWANInews #PantauKerajaanBaharu

[azrul aziz @azerulllaziz]

@milajenner_ Betul lah tu

[azrul aziz @azerulllaziz]

@milajenner_ @ImanMunirah Aku like je

[Astro AWANI @501Awani]

Perkara tersebut diumumkan oleh Pengerusi SPR, Tan Sri Abdul Ghani Salleh selepas mengadakan Mesyuarat Khas berkaitan Urusan Pilihan Raya Umum Ke-15 dan Pilihan Raya Kecil Dewan Undangan Negeri N.66 Bugaya pada Khamis

#MalaysiaMemilih #Undi100peratus

[azrul aziz @azerulllaziz]

@zaqwananuar Hahah penat sangat ni. Semoga diganti dengan benda baik baik!

[azrul aziz @azerulllaziz]

@zaqwananuar Semoga dipermudahkan urusan wan. Aku faham perasaan bila beli sandal elok elok lepastu kena tukar selipar jamban je. Take your time untuk memaki sehari dua ni.

[Ismail Sabri @IsmailSabri60]

Pembentangan Bajet 2023

RM372.3 bilion
Jumlah Keseluruhan Bajet 2023
#Bajet2023 #KeluargaMalaysia #MakmurBersama