Benchmark is 5.5

Anything less means EPF failed to do their work?

More means good job done 👍

😎

another question - why cant Shariah beat Conventional dividend payout? Why cant they just declare the same and get rid of Conventional or just invest in Shariah product. This country should be united and not divided, why even EPF they want to divide us? Can someone help to bring this topic to parliment and ask them why?

Bro, cannot change test condition lah.

Desire is not happy.

Let's rethink. Too much desire, makes a person less happy.

Hope your dad is getting better now.

I am B2 so sad...

Oh... Then cannot claim to be B2 already

Mostly agreed. Let's say 5 years. I still cannot withdraw bah.. that's why i say nearing age of withdrawal only consider putting more money in lo. And i don't agree with one thing. They can still bulldoze certain stuff which happened before. I kena one act that they bull dozed before and implemented 3 months after approval before "we" (affected ppl) can react to it. So most of the time you are correct. But there are some times they do do things by bulldozing. And sometimes you have opposition not full force in Parliament and not enough to oppose. Which happens before as well. And sometimes you dunno what agenda they nego behind that the upper house suddenly agree as well. So since i experienced a bulldozed act amended before (only one act la.. This one is two).. i don't believe politicians. 😂 Still gonna maintain skeptical until it is no longer a possibility and nobody talks about it anymore.

I suppork both of you. I actually wanted to do it last year but i withheld coz dunno what pmx will do and waiting to see if he dips his hands into this. Not very confident already. I might even consider pulling some out if the dividend is super disappointing.

Reason we must diversify our investment portfolio to other currency denominated investments.

But your money in EPF still RM, those foreign asset is for EPF, not to you. To diversify and hedge, you will need to directly put those assets in foreign currency and shares directly under your name and account.

Cannot compare with just forex changes.

SGD in 2008 was 2.3MYR. Now its 3.3. 
Plus the ROI on the investments.

For a total of 3+2=5%? Epf average was >5%. Sorry can compare this way?

Or could have invested in DBS or Ascendas REIT or Malpetree Ind Reit. 

BTC is SGD denominated? 

To benefit from BTC, your timing must be HIGHLY accurate.

EPF does not need any timing advantage.

SG instruments needed lower timing advantages depending on the type of instrument.

i did some simple calculation,

20 years ago $1=RM 2.30, invest SGD 100k & RM 230k both in CPF and EPF, with CPF & interest rate of 4% and 6%

20 years later, you'll have SGD 222,258.21 & RM 761,347.03 , which convert with current exchange rates of $1=RM 3.30, the SGD equivalent is CPF RM 733,452.09 VS EPF RM 761,347.03

same scenario but change to 10 years ago where $1=RM2.50, invest SGD 100k & RM 250k both in CPF and EPF, with CPF & interest rate of 4% and 6%

10 years later, you'll have SGD 149083.27 & RM 454,849.18 , which convert with current exchange rates of $1=RM 3.30, the SGD equivalent is CPF RM 491,974.79 VS EPF RM 454,849.18
based on 20 years scenario, higher return indeed can cover against the MYR devaluation.

Based on 10 years scenario, higher return unable to cover the MYR devaluation.

Reason for the different because MYR devaluated faster in recent 10 years compared to recent 20 years. 20 years MYR had devaluate 43% (3.3/2.3), 10 years MYR devaluate 32% (3.3/2.5)

so if all the criteria remain the same, if you believe 10 years later MYR will devaluate another 32% becomes $1 = RM 4.35, then invest in SGD asset is better...

ITT ppl have near complete lack of risk awareness.

MYR slowly devaluing isnt scary, but MYR suddenly hyperinflating is something EPF fans in this tered seem to not consider.

long term trend for MYR is always down vs major currencies.

EPF can hedge against devaluation but not inflation.

Malaysia all sampah stock except Bank and some blue chip stock. Invest in US is pretty simple. Don't want headache just buy a few ETF for long term. BURSA is small and easy to be manipulated and not good liquidity. US stock, whole world buy liquidity no problem and near impossible to be manipulated for those big companies as volume is too huge.

I did a comparison some years ago.

AUD vs MYR, neck to neck. Bros in arms? Bros in money lah.

SGD vs MYR, only 1 year where MYR did better over past 50 years.