Yes, that's abt it,... you are right !

Only prb is the purchasing power of the EPF Currency is getting lower and lower as the years go by, and getting weaker compared to the rest of the currencies in the world. The guaranteed rate of 2.5% is not enough anymore to beat real inflation.

Yes,... this is the right thing to do ! Take out and invest by yourself. But then, of course, you must learn well first, and not to simply lose yr money to the mkt !!

Well,... if one does not have any other ways to invest outside of Msian FD, then the EPF's return is still better than FD rates in Msia.

Bumiputras are truly blessed in this country,... I have to spend so much to send my children overseas.

Tq gents,... well,... the education part would be one of the blessings/setbacks today, as Xuzen said,... but besides the chances for education, these people also get the chance to attain overseas life and experiences, which broaden their horizon and their outlook in life. Wouldn't you guys agree that this would definitely be priceless and there is nothing negative towards attaining these experiences of life,..

Still blessed I would say....

In February too,....

Yeah,... actually it's true that there is actually not much we can do to control this. It's better that we look outside into the world to see how we can increase our investment returns, rather than depending on EPF to do it for us.

What we can do is to prepare ourselves to take out our EPF funds when time comes, in order to invest properly elsewhere, whether in-country or outside of Msia. We should equip ourselves with knowledge and experience now ! Not really to hope for 6++ % divvy rate.

Furthermore, even with a 6++% divvy rate, and the RM falls further as time goes by and goods and services around us become more expensive, what's the point ??

There are many thareds in this forum that had been deliberating on this,...

1) Singapore REITs
2) Fundsupermart Malaysia

etc, etc,...

Follow those discussions, bro,...

Yes, same here,... if EPF is Santa Claus, to me,... it's that EPF can afford it ! NO prob there,....

Why me in particular, bro,... ? What's so special abt moi ??

You are very observant, bro,... Well,... I would love to be able to move my funds from the EPF out albeit slowly,... like what I've been doing with the PNB funds,.. but I can't do so yet because I don't qualify to withdraw yet !

For myself,...I'm ready when that day comes,... having armed w knowledge and experience for so long. I guessed this is important !

Thank you, bro,... for the alert,....

For those who qualified, it would be better to take out the money and invest yourself. But must put in time and effort to learn investment,...

Bro,... since rupart asked, challenging if we can do better than EPF,... ... my percentage is higher than yours, bro,... after forex,...

Yeah,... bro Ramjade put in a good debate,... salute you, bro,...

Morning bro,... sorry for the late reply,..

Well,... Off the top of my head, don't really want to count and count, just plucking figures from my records and tracking tables only,..... better to focus my counting with NXX Bank now since they are offering me to volunteer for some writeups,....

Taking the ref from last year, using my Ringgit Msia which I have managed to convert into the Aussie Dollars,...

1) I think from foreign exchange , I would have made 10% till now.
2) this morning, I saw my Aussie portfolio giving me 2.21% green, so,.. 2.21% times current exchange rate of 3.30 vs the RM = 7.293% in my portfolio.
3) my average yield in my Aussie portfolio 6.76%, but till now, I would have collected only 1.8%.

Hence, in Ringgit Malaysia terms, I would have made 10% + 7.293% + 1.8% = 19.093%, if I am to convert back today !

Is this a good way to count, bro ?

Tq bro,...

Different people would look at the analysis differently,... hoping can see others' opinions too,...

Actually : my aim is ROI, ie being able to generate as high a return as possible with as little funds I have as possible. My target is not to compare absolute amount of returns with others outside. I compare I make from I have in-hand,...

Keppel Corporation-style,... in a way,...

Tq fro the opinions,... well,... the way I counted was by using, say eg RM 300 converted into the AUD sometime last year, which produced AUD 100. Then I invested this AUD 100, and this AUD 100 became AUD 102.21. If I reconvert back that AUD 102.21 into the RM at today's exchange rate of 3.44, it would be RM351.60.

Hence, I made RM51.60 over the RM300 earlier, which is 17.2%.

Dividend same principle,...

Rough calculation,...

Tq bro,... well, this is for what I managed to convert out. For the funds that I have not managed to convert out, ie still in the Ringgit Msia, then earned only a return of 6% plus only, from the PNB Fixed-Priced funds.