Have a look and make your own conjecture.

Look at the dividends vs earnings.
Some years do not seem to match.

FY10 vs FY11 Not much dividend change in spite of big earnings increase
FY15 vs FY16  Drastic reduction although not much earnings difference
FY17 vs FY18  Another big dividend cut although not much earnings difference

EPF has paid out more than it earned before... unfortunately I cannot recall which year...

i did the exercise (a while back before covid even ... the office was so boring that I entertained myself with silly work) just to find it out, but had to go through the annual reports of each year.
There were also articles previous from EPF that literally said they smooth out the payoff to pay for a rainy day.

Oooo... they kept 28 billion of reserve just from these 3 years? oooo....

now my hope is going up... PMX will be stupid not to give 7% div now.   

 
(too early to day-dream? haha)

Came back here  to get the latest news on the important %. Not much chit chats this time. Strange.

One thing came to mind the other day. Hope the accounting/economic/money gurus here can help.

Say EPF only invests in one foreign share A. Q1, Q2 and Q3 results are all very good. But Q4 turns out very bad, negative.

A. Is annual return the sum of Q1, Q2, Q3 & Q4?

B. Or annual return =  the difference between end of year and start of year balances? I think it should be this.

C. Problem with A is, Q1, Q2 & Q3 results may be very good due to the favourable exchange rate. But that gains are not realised at the end of the year when the exchange takes a big hit?

Cheerio.

Nais, you are getting about 20% dividends then?

It's a shame that I only started investing very recently. Could have picked up some good dividend stocks early but I was too focused on starting my own business.

Happy for you man.

Not that straightforward to calculate your total ROI on dividend stocks, as you need to check purchase date, purchase value, annualized returns on your dividends after tax, and total returns after including the capital gains/losses based on your purchase date(s).

Imagine buying it 10 years ago for RM10. Guess how much your ROI is today in terms of IRR, or annualized rate.

Interestingly EPF owns a whopping 14 pct of Maybank.

Just for kicks...

last year GDP for malaysia up 8.7%

https://www.thestar.com.my/business/busines...expands-7-in-4q

"For the entire 2022, Malaysia's GDP expanded 8.7% as compared to 3.1% in 2021."

Does this mean EPF dividend up to 8.x% is also possible?

why same and why diff?

different managers and different mandates rite?

yeah, didn't really follow tabung haji story, but has it resolved the investment hole issue already?

I think MYEG capital lost about 40-50% since the news broke out.

I agree it's high but if you not 48 or 49, you cannot withdraw later when things changed. I suddenly don't have much confidence that the gov won't aim at the money lo with all these ppl asking for one off one off withdrawal. PN ppl really make me scare especially when they do race card. I think i might be emo and panick fast. Hopefully my feelings go away. Emo these few days.

1. CommodoreAmiga - 5.3%
2. netcrawler - 6.0%
3. Mroys@lyn - 5.25%
4. Xander2k8 - 5.25%
5. romuluz777 - 5.65%
6. optional1988 - 5.8%
7. ikanbilis - 5.5%
8. Human Nature - 5.55%
9. Unkerpanjang - 1.0%, wife oledi taken anything in excess.
10. prophetjul - 5.75...
11. honsiong - 7.2%
12. Wolves - 5.25%
13. lembu goreng - 5.85%
14. dani - 4.25%
15. HolyCooler - 5.9%
16. roarus - 5.5%
17. emilyngsc - 5.14%
18. Aaron212 - 5.8%
19. Ankle - 5.45%
20. kechung - 5.40%
21. Asali - 5.50%
22. oks911 - 6.05%
23. ronnie - 5.2%
24. wongmunkeong - 6.15%
25. nexona88 - 5.5%
26. BboyDora - 5.5%
27. popice2u - 5.25%
28. akhito- 5.7%
29. Capt. Marble - 5.6%
30. jutamind - 5%
31. Contestchris - 5.65%
32. Kip21 - 5.75%

10. prophetjul - 5.75...Rm5,750

i TOTALLY SUPPORT! 
For discussion sake: In Bolihland, anything can and will happen.
If gov announced that by 31st March 2023, no withdrwals are allowed till age 65, what would you do tomorrow?
Assuming you are 60 now?

Don't do the monthly withdrawal option.... i remember (this is a while back) a old colleague who retired complained to us youngster that he choose the monthly withdrawal option to only find out that the entire amount earmarked for the monthly withdrawal for that year no longer earn interest.

best you go verify this first before selecting monthly withdrawal if this is still the case.
(I didn't verify this of cos... how to when I am not even at 55 years old).

I believe for anybody over the age of 55. I was looking at kwsp not long ago to figure it out as well. When hit 50, you can request one time withdrawal from account 1 (i think) for either partial or full withdrawal (anytime from age 50 to 54.999 but one time and one time only). When you hit 55, both account 1 and account 2 will merge to become account 55 where you can withdraw full or partial (anytime and unlimited time/amount until 0) or opt for the monthly withdrawal (which is what they are talking about) and if you continue to work, your kwsp contributions from work will go into akaun emas where you can withdraw at 60. So they are saying if you opt for monthly payment of 2000 per month (example), 1st jan of every year, 24k will be deducted from the balance and that 24k is not earning interest/dividend.