OK, bro,... using formula,.. No, I don't have this,...

This is a good opinion,... I sensed something along this line too. Why do you say this ?

For yr reading pleasure. Events from a few years ago :-

NEW YORK – Quietly, as the looming possibility of a U.S. military attack on Syria dominated news internationally, the government of Poland announced a decision to confiscate half of the nation’s pension funds in an attempt to delay an impending government debt crisis.

While details remain hazy, Reuters reported Sept. 4 that Polish Prime Minister Donald Tusk announced a government decision to transfer to ZUS, the government pension system, all bond investments in privately owned pension funds within the state-guaranteed system.

Read more at http://www.wnd.com/2013/09/government-conf...BJA4kvAhCCVU.99

Best is to diversify,...

Yeah,... highly possible.

This would be after 55 yo, right ? But a person is allowed to withdraw at a maximum of only 1 time per month, right ?

I believed prophetjul has a personal experience here in his successful gold investment,... I suspect he DID make this CAGR,... let him provide his points,...

That's what I suspected,...I think bro prophet entered in 2000,...

Guys,....

I don't want to read al the postings above,...

Look,... for absolute gain as a Malaysian, any investment should be, at the end of the day, be evaluated in the currency that you need to SPEND the money in,...hence, in this country, in MYR.

Of course, if you are going to spend your money in SG or in Aus, then you will evaluate your returns in any investment based on the currency of that country where you are going to spend in,....

What's the point of having investment gains, or maing more money from money ? For spending, right ?

I wouldaccept, mathematically, then evaluate in the currency designated. And if we say this,... I would have an even revolutionary idea - I don't think gold investment is great. I think the USD is lousy, that's why gold investment becomes good because with the USD dropping, we require MORE USD to buy the same ounce of gold. That's the reason.

It's almost similar in concept with the bs when we said the RM was strong (before the BNM rate hike). The RM was strong ONLY against the USD because the USD was weak. That's the reason !!!!

Not our bs RM was strong, back then,....

I invest everywhere, directly into the country concerned... but in Msia - I take my total returns in the RM,....

Yeah,... but no choice-lar back then,...it was all abt cronyism,... prb is today, things are changing, will our EPF dividend be affected next February ?

That's right - won't be lower than 2.5%.

In SG's CPF :-

1) Ordinary Acct - won't be lower than 2.5%.

2) Special Acct - won;t be lower than 4.0%.

Short-term pains are needed for long term gains. Short-term pains will be felt by this generation, and perhaps the next, but the following generation after that will (most probably) enjoy the fruits of this election,... the issue is : how do we, in this generation are going to overcome the current pain.....

We share in the fruits of the neighboring successful gov't....

I don't think the new gov't will just let all the big institutions move out of the country, and secondly,.. I think our institutions will not be brave and intelligent enough to invest outside,... the quality of our people is not there yet.

Bro prophet,.. don't know-lar,... the EPF gained from currency appreciation a few years ago, I know,... they sold their London props,... but don't know-lar,.. I would prefer that the EPF is able to make returns from dividends earned from those foreign entities as majority shareholders, or from profit-sharing of the earnings,... rather than from currency-appreciation by divesting,...

Making from currency-appreciation from divesting is more for REITs and retail investors,... EPF is like a wealth-sovereign fund, though it's a pension fund.

How many EPFs do we have ? I invest outside of the country,... so, don't equate my intelligence to your presumptions.

And what ??? Majority of the EPF's investments is outside of the country ???? How many percent ?????

Hehe,... I'm wondering too,... let him reply,... perhaps he has a different yardstick in his measurement,...

I also did not know the figure, but I was hypothesizing that there was NO WAY that the EPF could have made a big percentage from their funds investing outside ! The EPF would need to be very careful,... even PNB has not moved out to overseas mkts....

Just a personal experience here. I was chatting with a senior EPF Officer two years ago. I just asked,... how is the dividend performance going to be this year, with the mkt so weak. He told me : Tak apa. Kita akan untung forex !!

This signals to me that the EPF has no intention to hold-on to their assets for long. Their intention is to buy and sell and make from forex,... err,.. well, if the board is okay with this, I have no comments,...

I observed when Temasek of Singapore bought overseas assets, they will put in their fullest effort onto those assets and manage those assets,... but okay,.. even Temasek lost money, I will go with that,.. but net'net,.. Temasek made more than lost !

Hehe,...

I think even if the EPF is not forced to invest locally, they will still not be able to invest profitable outside,... it's not easy,... I think there are lots of landmines out there. For a sovereign wealth fund to invest out there, they can't do like us. Even I myself also,... when I first invested into the capital and debt assets in Singapore, Australia and Canada, I had to read lots and lots, and tried out here and there, and looked for the most cost-effective platforms, etc,...

I really don't think there are many people out there who would do what I have done.

The easiest way to make money from outside is by forex gains - because our Ringgit is weak. If your native currency is the SGD, then susah,.. every minute, your native currency's strength will outgun your investment returns from another country...

Another eg : If you invested into a REIT denominated in the SGD but has assets in a different ctry, there will be currency risk because your dividend might be lower after the distributable income from the assets is converted into the SGD to pay you the dividend.

In short : it is really not easy to invest outside. Well, of course, the EPF can always pay a consultant to do this for them, but the consultant's price will not be cheap. And how about the trust level ?

Jho Low was an international investment consultant for the famous 1MXX.

Yes.

In that writeup, the context I was referring to were properties that have been bought earlier by The EPF, not by EPF buying properties now to earn forex,...

Someone got a contract to do the layout.

They purposely wanted to hide information from contributors.

BUT : let's give then a chance to reply. IF they don't reply within the next 21 Days,... then we'll understand !!!

Bros,... interest rates all over the world are dropping,.. we need to prepare for this !