EPF Keep saying after write downs.... After write down....

Meaning they're significant one??? 🤔

Anyway

38% international exposure = 49% total income in Q2

Local underperforming 🧐😕

This year one...

We all better don't speculating the rates....

Just watch afar only..... US gone, UK also not looking good... China... Just so so... Japan.... No comment

Malaysia???? Lagi no comment

70% local mandate??? Let's see Q3 or Q4 got achieve or not...

The EPF said over 80 per cent of the EPF's new investment allocation was directed to the domestic market, and its remains dedicated to supporting and contributing towards achieving the goals outlined in the Madani Economy Framework.

https://www.nst.com.my/business/corporate/2...qgMerWnv15-UfKQ
Basically don't expect high dividend rates going forward

It's never ending...

EPF rates is always not enough...

Cannot satisfied everyone.... Sure there's people who disappointed what given...

BURSA buy bluechips unlikely total lost lah...just don't buy those sampah goreng stocks or racially weaponized stocks like Serbuk Dynamo. EPF 6% very excellent already. If can average 5%, i am ok already. Go US stock market for high growth, high potential stocks and with high liquidity.
Agreed, the younger you are, time is on your side, can put more in high risks instruments. But at the same time, you can also top up EPF, albeit lesser into it. Use the simple 100-your age. So, 35 yr old can put 65 into high risk investments. Remember, EPF also has the advantage of bankruptcy proof. They can't touch your money in EPF (unless you launder money or terrorist lah).

Better just to expect 5% first...

Anything higher is bonus 💵🤑🎉

Agreed

When everyone expect 6%, suddenly final is lower... All disappointed

Better just don't have high expectations

These people would find another excuses to divert. Saying temporarily only.... Longer term you lose more on EPF...

The cycle goes on... Never ending 😔

Hehehe....
Different people have different risk taking & objectives
Cannot dump everyone in same pool 😔

Remember it's not related to your wills...

EPF one is on it's own.
Only those listed is qualify for the $$$$....

No name No money

Seriously...
I cannot brain the reason why the needs of account 3...
When almost most times EPF complaining saying Malaysian cannot retired because lack of basic $$$ in EPF....

And the funny part...

Some of us talking about 1mil or 3mil retirement $$$ for EPF 🤪

Even the 240k so called basics retirement $$$ also majority cannot reach...

Spot on...

But for now, maybe 1k is sufficient enough if you plan properly...

Another 20 years or 30 years future...
Seriously doubt 🧐🤔

While what you say is very true, one needs to decide if they want to sail into the sunset in a sampan or cruise liner.
If the latter, then sacrifices is needed.
It’s not fun being old and have very little. And running out of energy and choices.

Wait for Qtr 3 report from EPF first...

Then can somehow hints what's would be the final tally 😁

Employees contribution loophole..

You deduct more than the norm rates...

Someone done till 70% of salary 💪🔥

More like big No...

And from the looks of it...

EPF want everyone to be covered including foreign workers...

But getting some backlash from those cheapskate employers

This the problem... All want cheap labour...

I think those foreign workers won't like... Because cannot send $$$ back to home country

Sadly Yes.
No such thing as guaranteed in Islamic products & investment.... All based on real performance...

And who knows...
Even outperformed conventional types too...

As for why didn't "adjust"...
Anyone guess....
Maybe they did? But smaller scale... Since the size is big... Do overall impact is minimal only...

Because EPF risk tolerance is different than individual ones. Tech returns are only "good" if you look at share price appreciation, but not necessary cash return basis which EPF needs to pay out. So unless they have the timeframe to sit out the ebbs and flows for the riskier tech stock, they would be more conservative in the case they need to sell.

For private investors, you can afford to buy and sit on it for 3-5 years timeline where it can moonshot, ala NVDA.