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 EPF DIVIDEND, EPF

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prophetjul
post Feb 28 2025, 11:04 AM

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QUOTE(Wedchar2912 @ Feb 27 2025, 06:48 PM)
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?
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Yeah. After withdrawing 40% of my EPF and plunking them into SG banks and HSBC, now what to do with the more than 6% gains? laugh.gif
prophetjul
post Feb 28 2025, 12:39 PM

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QUOTE(wuwuwu @ Feb 28 2025, 12:08 PM)
Case study:

2015, convert RM 267,716 to SGD 100,000 to "keep value", assume total compound 10% interest for 10 years, jadi SGD 110,000, x 3.2891 > RM 361,801

if 2015 keep RM 267,716 to KWSP, assume total compound 70% interest for 10 years, jadi RM 455,117

extra RM 93,316 @ 34.8%. Conclusion, 10 years ago simpan wang to SG bank then susut nilai kaw kaw. ​
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Apple with orange.
Try buying up DBS bank shares with your $100k in 2015. Or is there an SGX ETF?
EPF is not an bank savings account. It's an balanced fund.
prophetjul
post Feb 28 2025, 01:29 PM

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QUOTE(gashout @ Feb 28 2025, 01:02 PM)
Now cannot buy Lexus with epf dividend liao
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I actually bought a Toyota Prado already. laugh.gif More practical car in Sabah.
Maybe i will buy a Lexus in Australia since it's much cheaper there.
prophetjul
post Feb 28 2025, 01:39 PM

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QUOTE(gashout @ Feb 28 2025, 01:34 PM)
prado for an adventure!

lexus for comfort long drive
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There's no comfort on Sabah roads!
i was test driving the Lexus RX300. Hit a few pot holes in KK and decided to give up on sedans like cars.
Nothing like a off roader Prado. laugh.gif
prophetjul
post Mar 1 2025, 09:21 AM

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Jeng Jeng Jeng


prophetjul
post Mar 1 2025, 09:40 AM

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QUOTE(kechung @ Mar 1 2025, 09:38 AM)
Hi, anyone here have the link to live EPF announcement?
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So important that it's live? laugh.gif
prophetjul
post Mar 1 2025, 12:49 PM

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QUOTE(N9484640 @ Mar 1 2025, 12:43 PM)
Not logical to have the same dividends for both. How can you get the same rate when you got less market to invest in? That only means the conventional investment failed
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i was thinking EXACTLY the same thing!
It can only mean they just distribute across the board with EPF earnings.
prophetjul
post Mar 1 2025, 01:10 PM

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QUOTE(ZeneticX @ Mar 1 2025, 12:59 PM)
it's like the 130k members who had >1m savings are all gathered here tongue.gif

user posted image
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Shoudl start a club.
laugh.gif laugh.gif laugh.gif
prophetjul
post Mar 1 2025, 01:15 PM

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QUOTE(zasxkok9 @ Mar 1 2025, 01:13 PM)
As of Sep 30, 2023, the EPF's investment assets amounted to RM1,092.32 billion, comprising 39 per cent Shariah assets and 61 per cent conventional assets.

https://www.nst.com.my/business/corporate/2...tional%20assets.

I expect they will try to make these funds 50:50 as years go by.

Actually there are financial analysts who predicted higher dividend for shariah savings than conventional savings last year.
https://theedgemalaysia.com/node/734488

Mag 7 shares like Apple/Meta/Nvidia/Amazon are often considered Shariah compliant. If EPF just put a larger proportion of Shariah compliant funds into these shares last year they would have made more money than the less performing stocks that the conventional fund invests into. The Edge article above explains in more detail.
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They should just put a big chunk Berkshire H. Kaotim
prophetjul
post Mar 1 2025, 09:20 PM

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QUOTE(nexona88 @ Mar 1 2025, 09:00 PM)
https://www.freemalaysiatoday.com/category/...says-epf-chief/

EPF chief gave "advance warnings"....
Read between the lines...

2025 dividend payout is lower..... Don't expect to achieve the superb performance of 2024....
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As if one can start predicting for full year at end of February! rolleyes.gif
prophetjul
post Mar 2 2025, 06:11 AM

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QUOTE(nexona88 @ Mar 1 2025, 09:44 PM)
Maybe he saw the 2 months performance is below than of 2024 same period??? 😔
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2 months do not make a year. laugh.gif
prophetjul
post Mar 2 2025, 02:21 PM

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QUOTE(lee82gx @ Mar 2 2025, 09:41 AM)
I must admit I assumed and treated the >1mil EPF as CASA, and that’s where my annoyance lies when they change the limit arbitrarily, and progressively up to equal to voluntary contribution. To me it means if you put in 100k per year it must stay inside until you retire.

In my own now silly assumption I was planning to park a some money for my kids tertiary education and for opportune market investment times, but after putting some to chase the 1m, now they say hotel California. These moneys are for all intents and purposes NOT a for 55 year old reaping.

Personally I think that the statutory 25% of our income deducted for fixed income retirement savings is more than enough honestly. For young people, I personally think you should consider to take some risks for better returns in business or stock market. Otherwise you benefit the country and it’s masters by allowing EPF to make 30% and giving you 6.3% and then we jump around for joy.

Lastly the actual population affected by this is 0.13+0.12 out of 16.22 which is actually the 1.5% “wealthiest”.

Why does EPF need to care so much for such a group? Except it is not, and there is a unspoken motive here.
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Well said. thumbsup.gif
prophetjul
post Mar 3 2025, 05:46 AM

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QUOTE(Wedchar2912 @ Mar 2 2025, 11:33 PM)
this is definitely true.... for whatever reason EPF (after being tainted by the current government) somehow think they should and control the limit even for those clearly in the T01 grouping (as per EPF definition). Baby sitting these T01 also... these guys don't need their supervision really...

and like you said, at the same time and on the other hand, create account 3 and let those, who should not have access to said retirement EPF due to low balances, the ability to withdraw. Baffling to me...
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Idiotic i say.
There is no rational reason to control those wealthy ones and allow the B ones to get away with taking out their retirement savings incessantly and announcing the lack of funds in their accounts come 60 years old! Idiotic!
prophetjul
post Mar 3 2025, 07:42 AM

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QUOTE(buffa @ Mar 3 2025, 07:34 AM)
Anger those 130k ppl while the other few millions ppl will be happy. Why not?
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I am thinking rationally, not politically.
You let them B take out everything and then cry mother father no retirement money in EPF.
OXYMORONIC NO?
prophetjul
post Mar 3 2025, 08:35 AM

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QUOTE(chongyang @ Mar 3 2025, 08:34 AM)
hi all, just wanna shamelessly share a weekend project I made for EPF and retirement calculations.

Initially built for my own use, but figured it might be useful for others with the projection of yearly contribution, dividend and spending break down after the dividend news

https://duithero.my/epf-retirement
Do let me know if there’s any good to have details I can add too, cheers

user posted image
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Nicely done! thumbup.gif
Will be helpful to many here.
prophetjul
post Mar 4 2025, 10:14 AM

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QUOTE(Wedchar2912 @ Mar 3 2025, 10:38 PM)
understand and agree with your points. possible...

but it also begs the question of whether this effectively means EPF is "robbing from Peter to pay Paul"...
the current EPF members, Peters, are underpaid whenever the payout ratio was too low... like 90%. that is kept...
So when will EPF then pay out these reserve to pay Pauls, future EPF members?

Peter and Paul are EPF members but of different years btw. hence they are strictly not the same members
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Good point bro.
Would be good to know how much accumulated retained earnings through the years?
prophetjul
post Mar 8 2025, 06:10 AM

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QUOTE(nexona88 @ Mar 7 2025, 09:46 PM)
Hmm...

Seems something not right somewhere...

EPF actual holdings is wayy more than stated in your screenshot....

Cannot be EPF holdings such small amounts....
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Think it's showing the top 9 holdings of EPF portfolio. The % is of the total EPF stock portfolio not of the stock counter if that's what you are thinking.
prophetjul
post Mar 12 2025, 06:31 PM

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https://theedgemalaysia.com/node/747624

You just hope EPF is not called into participating in bailouts of these too big to fail crocked companies.
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MOF injects RM1.1 bil to settle Sapura Energy's debts

KUALA LUMPUR (March 11): Debt-laden Sapura Energy Bhd (KL:SAPNRG) has received a lifeline in the form of a RM1.1 billion investment from the Minister of Finance (Inc) through its special purpose vehicle Malaysia Development Holding Sdn Bhd (MDH).

In a filing with Bursa Malaysia on Tuesday, Sapura Energy said MDH will be subscribing to its redeemable convertible loan stocks worth RM1.1 billion, subject to certain conditions.

The monies have been earmarked exclusively for settling what Sapura Energy owes its vendors

part” of its restructuring that would see a capital injection of up to RM1.8 billion into the Sapura group through a subscription of redeemable convertible loan stock.

Last month, Sapura Energy, a Practice Note 17 (PN17) company, secured its creditors' approval for its proposed debt restructuring scheme involving Sapura Energy and its 22 subsidiaries to address RM10.8 billion owed to nine lenders of its multi-currency financing facilities and RM1.5 billion in outstanding trade creditor payments.

Following that, Sapura Energy also obtained the court's approval last Thursday for the debt restructuring plan.

The funding and court-approved debt restructuring plan form part of Sapura Energy’s regularisation plan, as the company works to exit its PN17 status and reposition itself for long-term growth.

“We are diligently working on a robust regularisation plan, which will bring us one step closer to exiting our status as a PN17 company,” Zamri said.

“We see Sapura Energy’s turnaround as part of the revitalisation of the Malaysian OGSE (oil and gas services and equipment) sector, ensuring it is better positioned to support the nation’s energy security and sustainability goals, ultimately contributing to Malaysia’s economic development,” he added.

Shares of Sapura Energy closed unchanged at 3.5 sen on Tuesday, with a market capitalisation of RM643.2 million.

For the first nine months of FY2025, Sapura Energy posted a net loss of RM342.96 million, compared to a net profit of RM213.18 million a year before, while revenue increased 10.6% to RM3.54 billion from RM3.2 billion.

As at end-October 2024, the group’s borrowings stood at RM10.73 billion. Trade and other payables totalled RM5.18 billion, while cash, deposits and bank balances stood at RM1.79 billion. Its accumulated losses increased slightly to RM17.53 billion from RM17.24 billion.

The group’s order book currently stands at RM6 billion, while its joint ventures hold an additional RM5.8 billion.
prophetjul
post Jun 5 2025, 07:17 AM

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QUOTE(romuluz777 @ Jun 4 2025, 10:29 AM)
Ouch! -13% 1st quarter
prophetjul
post Jun 5 2025, 01:53 PM

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QUOTE(Mixxomon @ Jun 5 2025, 10:00 AM)
Whatever EPF do will always be criticized.

Give low dividend : Collapse coming
Give high dividend : Impossible, sure got manipulation
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High? When?

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