KWAP? wow... then it is really fair game to scold EPF already if EPF cannot reach near KWAP's performance....

wah... when you say like that, then I expect 8.55% already... cos the highest ever div rate was 8.5%. in the roaring 80s!

Then for this case, I hope you are very wrong. Haha. Wrong and we all get 8.55% and all happy.

dream only mah.... since it is dreaming, may as well dream well...

EPF, or any portfolio managers, can just do sell and buy back to harvest the gains.

Nothing to do with what I realize or not.

It is a formal accounting treatment to record officially and hence realize the gains.
remember, you buy A and then sell it. That officially ends that position/investment.

I love it if and when EPF does this to release the capital gains of the equity investments, recognise these gains and then pass it to current 2024 EPF members in the form of higher yet actual Div rate.
This would be the proper way a fund works.

What nonsense about having a reserve and keep on not selling equity positions that is already deep in the money. That's basically robbing the current members of their div, in case you don't realize this.

Portfolio managers have been doing this all the time. Slippage should be minimal.

This post has been edited by Wedchar2912: Feb 25 2025, 05:45 PM

ok bro... i leave you to your convictions. You can ignore everything I just said and just assume I am mumbling. I just too lazy to explain.

if I recall properly, EPF div has to be approved by MOF, so technically by the FM.

but guess who is the FM? its the PM too... (which is something the then opposition head named Anwar said should never have PM = FM, but that's another story)

So yeah, must get approval from PM.... who is also the FM....

You can say that again. It was truly a f shitshow.

But have to thank the FM and PM. Jolted me to shift half of the funds to overseas. And super glad I did it.
Else I would still think 6% return is great for 2024.

In this case, its me actively and cognizantly reducing the risk of exposure to EPF that is slowly being "degraded/tainted" by the FM/PM.... so many already been discussed here from acct 1&2&3, reserve ratios, min balance being changed for withdrawals, "advising" epf on asset allocation, etc. Slow but steady. pretty sure more is coming, but no point saying them... else people complain saying speculation.

the bonus out of this portfolio realignment exercise of mine is the windfall return way in excess of 6% epf standards. Headache now is should I convert the gains back?

i suspect got... paving the road to more reasons to keep your money in EPF after retirement???

if memory serves, after announcement of div, it will immediately be reflected.

true... same with all my other assets... UOB share price also look nice... haha

hehe... really great minds think alike... truly!

ah... but he now instead really can get a brand new Ferrari if he choose to take profit and remit back... scary eh...
(he won't one pretty sure.... too logical a person... haha)

A normal investor would not leave the 100K sgd lying around like that. The most common trade would be buy all 3 of SG banks...
DBS was like in the mid teens (just pick 15 lar) back in 2015. now it is 45. 3X eh. didn't include div also.

should be the same. my own calculation was only off by 66 cents for entire div... its too small a rounding error to be caused by different div for account 3.

if one withdraw using the abt 1 million transaction type, they take everything from 3 and then 2 and then only from Account 1. So answer is yes automatically.

haha.... i do love news title.... what a logic...

wait... possible GE is coming soon? haha

nvm... u managed to get in already

This post has been edited by Wedchar2912: Mar 1 2025, 05:25 PM