i used bank website

that day i deposited RM50k 1 shot MB
PBB also can whack 50k 1 shot


yes this CIMB only RM5k each shot.
need to repeat 10x


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Bro, no life insurance boleh kah?
Is for protection in case something happens to me, our loved ones get a big payment ...
With life insurance i dont hope to get anything back at all
As long as i am there to earm money, insurance please take premium, i hope no need to claim in my active life time.

Abit selfish if got loved ones dependent and suddenly you are gone, how? They need a big lump sum as ganti rugi! Unless what you have now already can cover their life expenses

Bro you have equated insurance as investment!

Who knows when he is going to die?
If i know ican predict the future
I know i will live long i wont buy lah

Now that i have gathered enough for my loved ones to live their life span, i have stopped paying premium
Just let it deduct auto

Following the poll from 34 voters only
and mod has locked it prevented more votings...dont know for what reason

largest group of 14 said
when KWSP fund grows bigger, it has NEGATIVE EFFECT on investment return
citing what Warren Buffet's managers excuse for lower returns

so we can expect get lower KWSP return and dividend next time?

for sure KWSP fund size can only go up and up.
Monthly contribution RM9 billion!

As it is now we are not getting that high return like what Warren Buffet funds did.

From 5.5% last year, are you guys expecting a down trend dividends like this

2024 = 5%

2025 = 4.8%

2026 = 4.5%

yeah KWSP is too big for local market. i agree there

but the Poll was asking
do you believe with larger Fund size, return would diminished?
everthing else maintained same,

ie same 30% foreign investment , 52% fixed income etc.


You mean even with a larger KWSP Fund size there may be NO definite NEGATIVE effect investment return?


maintain that 30% foreign investment
would you say a lower and lower KWSP dividend is acceptable

because they said, as KWSP Fund become bigger, its investment return will fall.


i also dont foresee a significant drop in KWSP dividends too.

You dont think a bigger Fund size would have negative effect on investment return?

whoa that sounds a little different from the rest

can elaborate abit
what did you mean by 'out of the world thinking there'?

i thought is like a common believe amongst many
that smaller fund size easier to get higher return.
and they applied that in KWSP as well.

ok that is one view point (the minority from the Poll)

Size of KWSP fund has no effect on its investment return.


Note: Check effect of AUM size and investment return

Look for equity heavy funds and see the effect

but of course KWSP is not equity heavy.

I cannot imagine if dividend below 5%....
As it is we are not getting that great returns..
Ask Ramjade double digit return on average over the yearss tu baru boleh cakap bagus ...

So kwsp manager no excuse fund size big cannot get better returns

compulsory contributors cant do anything,
mati mati kena masuk

but for many of the rests, if Dividend drops below 5% they lari lah

EPF wants to reduce the fund size easy, try give dividend 4.5% next and see.

small number of members holding most of the money in there
So the many in there only holding a combined tiny bit
Inconsequential whether they stay or chao
It us the big kakis that counts
The bottom line is how much they get back

That is a lot of money EPF makan!

Employers must pay by 15th the latest.

EPF bagi only 1DAY interest,
sakau at least 12 days of our interest.

How much is that amount?

Monthly EPF received 8.13Billion
that huge sum interest per day is RM1,220,000.00

Itu for 1 DAY, if 12days =RM14.6 million

Itu only for 1 month, 1 year EPF sakau RM176 million !!

that is talking from EPF side, let them be lazy
oh yeah is "paid to us also at the end"... blah blah.

What i question is efficiency in digital age now.

Imagine they got few billions every month
sitting around wasting time for 10 to 15days...

If efficient
money in on 16th,
interest starts counting 2 days later..
Give them some pressure man.

you allowed them to pay 1DAY interest only no matter what
they can take their own sweet time
sitting on that big amount of money.
who lose out?

Yes others like FD etc are being handicapped since kwsp are given the upper hand in paying 1day interest

I would blame the system
that allow borrowers to go gallivanting scot-free

you dont take a bite they have bigger piece to makan..

this is serious allegation!
you better be able to back up what you said

Yes, i also want to know

no wonder we have heard from long long ago, cannot trust EPF better remove all your money out.......

so much of ignorance
even in supposedly financial savvy people here.. sigh...

Are you guys talking about KWSP as if it is a pension fund?

For pension fund yes, you just got to keep giving out money nonstop
untill they die and beyond..

But ini KWSP ,

You only take out YOUR OWN money.
you finished taken out your money,
you cant come ask KWSP pay you money
from other contributors right?

you need money and not 55 yet, opt in
if not no money in acc 3 for you to withdraw later

bro ..real rich ones got A LOT? i think you havent gone out to the ground
outside the confined of your work contact

private banking managers everyday see high end clients also must know that is
artifact by default not real world

deposit to get i saraan 15%

i saraan for 2 kids.

1st account i tested first RM450, done
after that repeat balance RM2900

another account done 1 shot RM3350

today login check noted 1 account RM2900 not under isaraan..

any one with same experience , some deposits not stated as i saraan?

only first deposit will show as i saraan?
subsequent deposit the word i saraan wont appear?





This post has been edited by guy3288: May 18 2024, 06:03 PM