QUOTE(spreeeee @ Feb 18 2016, 04:08 PM)
still no news on dividend % ?
coming Monday? 
EPF DIVIDEND, EPF
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 Feb 18 2016, 04:30 PM
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All Stars
48,419 posts Joined: Sep 2014 From: REality 
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Feb 18 2016, 04:46 PM
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Senior Member
1,498 posts Joined: Nov 2012
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QUOTE(xuzen @ Feb 18 2016, 11:37 AM) This is my opinion between KWAP & KWSP: I) KWAP is what we termed defined pay-out scheme. This means that come rain or shine, KWAP must pay out the a definitive cash flow to its beneficiaries. In this case it is usually a % of last drawn salary until the beneficiary attain mortality (sampai mati!) II) KWSP is termed defined contribution scheme. This means that come rain or shine, KWSP members must contribute a definitive amount of cash-in to KWSP until a certain age. In this case it is (11% + 12% of last drawn salary) until age 60. III) KWAP ROI is of no consequence to its beneficiaries; meaning, ROI good or bad... you still get the same fixed income. If KWAP get good return; to the beneficiaries... it is only a "syiok sendiri" news. IV) KWSP ROI is slightly better news to its members because based on historical trend, when its ROI improves, the dividend declared trend higher despite members putting in the same amount of contribution. Xuzen p/s Perhaps it is coincidental, but I do notice that of the big govt investment arm.... two of them that has bad publicity are helmed by UMNO office bearers (case in point: FGV by Isa & LTH by Rezeez). QUOTE(Hansel @ Feb 18 2016, 03:26 PM) It will be a good reference point to gauge on the performance of the KWSP because the Gov't would want the civil servants to enjoy the best of benefits. We all know how much this Gov't is on the side of the cvil servants. Please re-read what xuzen and I posted on the difference between KWAP and KWSP. The civil servants do not get 'more' because KWAP performs better, they get monthly pension amount until the day they and their spouse die. So the only party benefitting from KWAP good performance would be government budget, because then they do not have to contribute as much to KWAP for the pension payments.I don't know what else to say to make you understand. As to which one is better, actually it's really no point having this discussion because you can't opt for KWAP unless you become a government servant |
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Feb 18 2016, 05:21 PM
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Senior Member
9,347 posts Joined: Aug 2010
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QUOTE(dasecret @ Feb 18 2016, 04:46 PM) Please re-read what xuzen and I posted on the difference between KWAP and KWSP. The civil servants do not get 'more' because KWAP performs better, they get monthly pension amount until the day they and their spouse die. So the only party benefitting from KWAP good performance would be government budget, because then they do not have to contribute as much to KWAP for the pension payments. Thank you,... you don't have to go so far with such words as wanting to make me understand,.. this is just for online chat sake,.. I merely posed some questions to discuss about KWAP ! I started with an article about KWAPin this thread, that's why I talked further about it,... I don't really have to crack my head that much just to UNDERSTAND this deeply.I don't know what else to say to make you understand. As to which one is better, actually it's really no point having this discussion because you can't opt for KWAP unless you become a government servant Edited by adding : And certainly no further need to re-read again and again,....  why delve so deeply ????????This post has been edited by Hansel: Feb 18 2016, 05:23 PM |
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Feb 18 2016, 05:58 PM
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Senior Member
622 posts Joined: Dec 2013
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someone should open dedicated thread for KWAP discussion
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Feb 19 2016, 12:24 PM
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Senior Member
10,001 posts Joined: May 2013
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QUOTE(spreeeee @ Feb 18 2016, 04:08 PM) still no news on dividend % ? Stay tune... for further updates |
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Feb 19 2016, 03:00 PM
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Senior Member
1,288 posts Joined: Sep 2012
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haiizzz..this year soo long liao to announce the dividend..i wanna empty out my epf..
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Feb 19 2016, 04:12 PM
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All Stars
48,419 posts Joined: Sep 2014 From: REality
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QUOTE(shadow_walker @ Feb 19 2016, 03:00 PM) haiizzz..this year soo long liao to announce the dividend..i wanna empty out my epf.. Monday is the day  Tuesday u go apply for full withdrawal  |
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Feb 19 2016, 06:54 PM
Show posts by this member only | IPv6 | Post
#1428
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Junior Member
274 posts Joined: Oct 2012
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since most of the investment showing a downtrend, i think EPF also will reduce its dividen...
hoping for 6.35 to 6.4... |
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Feb 19 2016, 08:29 PM
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Senior Member
10,001 posts Joined: May 2013
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QUOTE(shadow_walker @ Feb 19 2016, 03:00 PM) haiizzz..this year soo long liao to announce the dividend..i wanna empty out my epf.. EPF bz preparing last min magic |
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Feb 19 2016, 10:08 PM
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Senior Member
3,838 posts Joined: Sep 2013 
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epf need to balance the lesser of 2 evil...announce higher and lose next time or announce lower and see everyone withdraw
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Feb 19 2016, 10:11 PM
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Senior Member
1,205 posts Joined: Feb 2006 From: Kuala Lumpur 
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It will be announced tomorrow. Then you can log in and check your sum right after that
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Feb 19 2016, 10:22 PM
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All Stars
48,419 posts Joined: Sep 2014 From: REality
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QUOTE(Havoc Knightmare @ Feb 19 2016, 10:11 PM) It will be announced tomorrow. Then you can log in and check your sum right after that so what MTUC said previously is true after all  it's on 20th not 22nd |
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Feb 19 2016, 11:23 PM
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Senior Member
1,542 posts Joined: Jan 2005 From: Seri Kembangan
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QUOTE(nexona88 @ Feb 19 2016, 10:22 PM) so what MTUC said previously is true after all The press said is on Monday but you probably can check on Sunday when system up it's on 20th not 22nd |
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Feb 20 2016, 12:38 AM
Show posts by this member only | IPv6 | Post
#1434
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Senior Member
10,001 posts Joined: May 2013
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EPF website will b down from 19/2 @ 5pm to 21/2 @ 7.30am
https://secure.kwsp.gov.my/secured/member/login/ Calculation of Dividend is on-going right now |
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Feb 20 2016, 08:48 AM
Show posts by this member only | IPv6 | Post
#1435
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Junior Member
274 posts Joined: Oct 2012
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It is 6.40%...
Got the image already |
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Feb 20 2016, 08:58 AM
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Senior Member
4,761 posts Joined: Jun 2007 From: My house
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QUOTE(titanic_crash @ Feb 20 2016, 08:48 AM) It is 6.40%... If it is 6.4%, I don't mind being wrong with my 6.1-6.3 estimate. Ha.Got the image already P/S My son's classmates were at the same shop we had for breakfast. Paid for their breakfast due to the higher than expected 6.4%. I still have the receipt to claim back if it is not 6.4%! Ha. Just kidding. This post has been edited by plumberly: Feb 20 2016, 09:51 AM |
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Feb 20 2016, 11:46 AM
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Senior Member
1,542 posts Joined: Jan 2005 From: Seri Kembangan
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QUOTE(titanic_crash @ Feb 20 2016, 08:48 AM) It is 6.40%... Where you get the image? From epf insider or their it operation?Got the image already |
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Feb 20 2016, 12:09 PM
Show posts by this member only | IPv6 | Post
#1438
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Senior Member
10,001 posts Joined: May 2013
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Returns from EPF stand out in negative rates era
http://www.thestar.com.my/business/busines...tive-rates-era/ |
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Feb 20 2016, 01:13 PM
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All Stars
48,419 posts Joined: Sep 2014 From: REality
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oh it's 6.40%.. okay lor considering the market situation now
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Feb 20 2016, 01:16 PM
Show posts by this member only | IPv6 | Post
#1440
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All Stars
26,520 posts Joined: Jan 2003
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QUOTE(nexona88 @ Feb 20 2016, 01:13 PM) oh it's 6.40%.. okay lor considering the market situation now any link ? |
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