I ain't in PJ lah. I am in the most expensive state in Msia.

Say EPF dividend is less than 6% and I am quite optimistic that FD can reach 4.5, maybe more. One may be willing to forgo the <1.5% difference.

Official news statement from EPF: https://www.kwsp.gov.my/en/web/guest/w/epf-...h-2022-and-2023

UK pension fund in trouble...do you guys think the same will happen in Malaysia for EPF?

RM100k new cieling is good, passive savings for me. Will topup to 100k

I think you are right, even if liquidating any among this 35% to 40% will still earn EPF currency appreciation today,...

Which type of transfer to epf account tomorrow 29/11 Tuesday would be safe to get dividend for Dec 2022(funds must be credited on 30 Nov or 1 Dec)?

my recollection is similar to yours.... i remember my mom took my savings from CNY and placed it as FD with Public Finance... and it was like 13% pa type. the sad part is my mom refused to place it for 10 years FD even though I told her to (as a teenager, I had no rights. haha)

one of the earliest financial mistake I made... not adult enough to take charge of my own financial situation.

bond yields may have climbed to 20%... the longer tenored ones... but I doubt FDs did.

interesting how from the spreadsheet you guess it is  East or northen malaysia......properties there cheaper?
but no, it is in Johore, properties are not cheap there.

Do tell me if this contribution will make it in time....

cos if it is sent today, i have the impression that it will only be reflected the next biz day, which is 2nd of Jan 2023.

i got this from the web,...

About Age 55 Withdrawal
Upon reaching age 55, the contributions made to your Account 1 and Account 2 will be consolidated into Account 55.
You can withdraw all or part of the savings from this account at any time.
Should you choose to continue working after the age of 55, all further contributions you make will be credited in your Akaun Emas, to be withdrawn only upon reaching age 60.

https://www.kwsp.gov.my/member/withdrawals/full/age-55-60

About Age 60 Withdrawal
This withdrawal is an extension of the Age 55 Withdrawal, and caters for those who have opted for later retirement and continue working after 55 years old.
At age 60, all the savings accumulated in Akaun 55 and Akaun Emas will be consolidated for withdrawal.
You have an option to make a lump sum or partial withdrawal at any time to fund your retirement.

https://www.kwsp.gov.my/member/withdrawals/...age-55-60#age60

I made a deposit on 30th december 2022 by M2U, date captured is 4th jan 2023, but it is highlighted as december 2022 contribution.

I think u meant december? I am fine in not getting any dividend for that contribution on december. I am only unsure if this portion will be calculated for dividend starting from january itself or february. Allthough logically it will count from january, else how did it appear as december 2022 contribution.

Wah! Unker no agree man.....Unker just realized.

For a start, Unker want to have same-same Stars under our names....why so many forumers got 8 Stars? Some even 10 Stars!

Unker senior already n really put so much effort in forum, only 4 Stars? Why cannot be same....oso Bro Wolves, within such short term, but provide so much lessons in ASNB, EPF threads, only has 2 Stars?

Should we all recalibrate to just 2 Stars, although you started contributing much, much earlier?

Actually, Unker very senang...Lady boss no come work this week.Lepak! Unker going to read up merits of Socialism.

The best will always be kwsp asb and tabung haji. What ever beats this 3 meaning G or Malaysia will be in big trouble huhu