Now you know why MYR is weakening.... so that EPF can earn more for their USD holdings

Wow! That is a lot of difference!
Cannot get EPF dividend at 6.82%

Edit: I just realised this is for a flat like those small loans.
What about for amortised repayment like that of housing loan?
Is the contracted rate the effective rate?

I wish it come close to 5.90%
It won't be less than 5.50%

Uhmm...

Just worry that one might need to access the lump sum at one go but unable to. It’s not about wanting it a lump sum or not, just circumstances making you in need of it. That’s my concern cause they are many out there, this is their only life savings and nothing more.

Tak faham macam mana boleh contribute 100k per year
I think the increments of self contribution rate to 100k only benefited t20
Those m40 and B40 totally see no benefits of this initiative by Gov

Any reason why gov previously want to increase it to 100k? Any benefits to gov?

Too big.

But it depends how you define good. If approx 5%-6% annual returns in MYR is considered good, then yeah its ok. But kwsp wont be able to achieve much higher than that.

I personally think kwsp Is pretty decent for my financial needs, myself being close to retirement. But I dont contribute more except to max tax relief. Prefer to diversify away.

My friend was contacted by lhdn too and his college also kena fined. all these made me never try to challenge the income tax law / rule.

Bursa is less than 20% of Kwsp portfolio.

And Kwsp dividends dont come from index price, but from any realised gains and stock dividends kwsp received.

Time to utilised ur 100K limit for self contribution for 2024!!!!

Throughout the year, they are trading. Should be selling and buying. Those are realised gains as mentioned by Cubalagi. Just looking at the index point end of each year does not tell much, except the general market trend. In between got ups and downs. Only passive investor will hold for years without selling. If like that EPF won't make any money. When a stock hits all time high, it's time to take profit. When it goes down, then you pick back up the stocks after price correction. But in Bursa, price movement and liquidity is too slow and little. Probably earns more from dividend than stocks trading in Bursa. Which is why it's critical EPF must invest more in US stock market...not using EPF money to bail out local useless companies....

May not be that relevant here, but would like to ask if anyone have tried to register PADU and verified the details?

May I enquire if PADU asked about EPF and banking and equity trading details?

How do you get this conclusion?
I did a study 30 years ago using the Lipper publications on UTs. Only a handful out of a few hundred UTs beat EPF over the long term. Essentially one still has to price in the management fees as well. Those fees are like 1.5 to 2% of AUM per year whether they perform or not.
So a handful beats. How do you choose? No way.  TRUST is a misused word! 

If that's the case...

They sure really need to work hard... Because their income bonus is based on fund performance....

From the funds performance... Seems like they don't really care..

Someone post... 1.5% return over 8 years period???
Like seriously.... Put in FD also get more 😁