https://www.thevibes.com/articles/business/...-economists-say

Here comes all the analyst tikam2 about higher EPF dividend rates....

The hype of higher dividend than 2024 have started 😁

For me,

Personally don't think would be more than 2024 rates...

Little lower probably.... All depends on 2nd half of the year performance.....

I'm looking around 5.5% +/-

Would be happy if it's hit 6%

Yep. Likely will go lower, but unlikely below 5%. Cukur already.

Kinda hard to go higher boss...

Even with elections year....

Last year one also payout ratio already to the max... Over 90%++

No more buffer to dig from reserve $$$....

I remember reading an article about the payout ratio.

Actually EPF are supposed to utilise all the payout as dividend, because every moment there’ll be contributor withdraw their saving from EPF. If the payout retained in EPF, which means that the contributor received lesser dividend then it supposed to get…

Example the ACTUAL earning of EPF was translate to 6%, your RM 1mil should get RM 60k, but that year EPF announce 5% at maybe 90% payout rate, hence your dividend is RM 50k only. Then you withdraw all RM 1.05mil out, hence your 1% which supposed to payout to you was retained and given to the other contributor.

But I remember reading also the actual payout was not 100% also due to the accounting related recognition, as there’ll  be unrealised gain record in the particular years, and this amount cannot be distributed as dividend because it’ unrealised.

Ok, let's say i withdraw all now and close. Means i will get my current balance(with last year's dividend) + 7 months of pro rated dividend at 6.3%? Less say, if next year dividend jalat 5%, i untung liao? 😁

Like that...wait until december to withdraw??? Can almost get a whole year at 6.3%??

Yes, i would withdraw all too this year IF I can foresee there is a WW3, ( with china involved) this year which could impact World equity and bond mkts for many more years.

Withdraw then money put where in a WW3 scenario?? Dilemma lor, ha ha ha

Visit USA now? Later kena kick out by immigration. Murica don't want people to come. Why give money to them.

Totally agree....

His moves always make the world in unstable situation....

So with EPF giving 5.5% consider good already.... Not expecting anything higher than 6% for now...

My personal target is around 5.5% to 5.8%
Still early to tell... But that's my personal expectations...

Anything higher is sweet News...
Lower than 5.5%, just crying in silence lorh 😭

All these uncertainty not good for weak hearted....

Better off with EPF or even ASMx funds 👍

Those risk taking one, can try luck.... Good chance....

Next year GE??  Doubtful but not impossible......

MAGS is less than 10% as of yesterday. And thats in USD. YTD in MYR will be less than 5%.

https://www.freemalaysiatoday.com/category/...ays-amir-hamzah

My suggestion....

1. Abolished the 100k limit first
2. No dividend for account 3
3. Higher dividend for account 1

Basically tier dividend 😁

by reading the article sounds like the aim is to assist those who digged into their EPF until unable to retire to rebuild their stash

if this is the case, by lifting the limit of self contribution... you know I know how many of this group will even be able to topup RM100k a year

but if the ultimate aim is to pile up total EPF AUM then this will be the easiest and fastest way

How much gold reserves does the EPF hold ?

why? and who would know anyway?

I would refinance my property, cash out, and put the $$$ in EPF.
The huge amount being withdrawn is going to impact EPF, why don't just open it up and let people to save.

I think T10 got many other methods to accumulate the wealth, indeed 6% per annum is not really a surprise return.

Thats why i dont think EPF would mind the small amount of contributors using EPF as high interest saving account....most likely only those high salaried / non business personnel would top up RM 100k every year and lock in RM 1.0-RM 1.3mil in EPF before retirement age...and the amount of these contributor are negligible in EPF eyes.. Business owner/investor would rather invest in stocks or do businesses then put in EPF...

and also got flexibility to transfer to AC1 and 2 anytime.

That 2% mandatory contribution by foreign workers is making their tin kosong arguments even stronger....

Saying EPF no $$$ until need to get from all those foreign workers.....