My prediction of 5.80% is wrong too - EPF can do better even in times of difficulties.

6.40% is slightly higher than the payout for 2013 at 6.35%.
6.40% is lower than the payout for 2014 at 6.75%.

When EPF Management said the Dividend given out this year will be good, it looks like their definition of 'good' for this year is acceptable.

EPF dividend is slightly lower than last year's, LUTH's dividend is good, ASB's dividend is slightly lower than last year's, probably ASM's dividend will be around 6.1% next month.

from 6.6% to 6.10% which is historical low for the fund?

Not a bumi leh! Only ASM and Wawasan.

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This post has been edited by xuzen: Feb 22 2016, 03:02 PM

Well at that age, money is not as meaningful as it is when you are younger. You can't eat as much , you can't travel, you won't go out for movies , most likely bed ridden and dependent on others.

Tahun Peratus

 1952 - 1959 2.5

 1960 - 1962 4

 1963 5

 1964 5.25

 1965 - 1967 5.5

 1968 - 1970 5.75

 1971 5.8

 1972 - 1973 5.85

 1974 - 1975 6.6

 1976 - 1978 7

 1979 7.25

 1980 - 1982 8

 1983 - 1987 8.5

 1988 - 1994 8

 1995 7.5

 1996 7.7

 1997 - 1998 6.7

 1999 6.84

 2000 6

 2001 5

 2002 4.25

 2003 4.5

 2004 4.75

 2005 5

 2006 5.15

 2007 5.8

 2008 4.5

 2009 5.65

 2010 5.8

 2011 6

 2012 6.15

 2013 6.35

 2014 6.75

 2015 6.4

From Here

Dr M, Robert Kuok, Li Kashing all also nearing 90 alredi. the dic is stronger than yours I believe.

EPF intends to grow its foreign assets up to 27 per cent over the next two years in a move to further diversify its portfolio.

CEO Datuk Shahril Ridza Ridzuan said the fund's foreign assets had grown to 25 per cent in 2015 from 23 per cent in 2014, after an aggressive diversification exercise in global assets in the last five years.

He added that the diversification could help offset or balance out the varying market performance.

They are d minority. Life expectancy in Malaysia rose from 71.4 years for men and 76.2 years for women in 2005 to 72.5 and 77.4 respectively last year, according to Thestar:

http://www.thestar.com.my/news/nation/2016...-at-15-by-2030/

If u have the money and bed ridden, u will depend on others LESS.

let me put it this way - u see a young man with BMW and an old man 80 with BMW - got difference.

it's peer accomplishment. at 75 - your peers who may look up to you are mostly dead , and the young ones don't even care who u are.

the things We can do when we are young and old - got hugh difference. contemplate this - and maybe we should start spending now to please ourselves when we are younger

This post has been edited by Chrono-Trigger: Feb 22 2016, 07:39 PM

Have noticed the above too,.... yes,...

Ahhhhhhhhh smell of materialism, status, peer pressure, living on credit. No wonder some complain about living in pressure cooker.
Diff folks diff expectation, thats what I am saying. I always encourage one to do retirement planning even from young instead of wasteful spending. A young man with BMW, most likely paid with credit and not building wealth whereas an old man with BMW paid with cash from his accumulated wealth. I for one PLEASE myself when my wealth pile up n I only need to spend on the dividend. And when I go I will happily pass it to my family. To me that is joy.
It is hard to make the first million(esp so if u are spendthrift) but once u achieve that the next few millions will come easier.

never mind if you don't get the gist. It's ok. back to dividend EPF - ok la, happy also , hope can sustain that level for years to come

This post has been edited by Chrono-Trigger: Feb 22 2016, 09:07 PM

A bit off topic:

The 13 worst money habits of 20-somethings — and how to fix them
Read more at http://www.businessinsider.my/worst-money-...RX0IDgytas34.99

EPF may see RM4b shortfall in 2016
http://www.theedgemarkets.com/my/article/e...-shortfall-2016

time to update this table for future reference

Announcement Date	Day	Dividend	Year	Credit Date	Day	Source
20 Feb, 2016	Sat	6.40%	2015	20 Feb, 2016	Sat	EPF
07 Feb, 2015	Sat	6.75%	2014	07 Feb, 2015	Sat	EPF
16 Feb, 2014	Sun	6.35%	2013	17 Feb, 2014	Mon	EPF
17 Feb, 2013	Sun	6.15%	2012	18 Feb, 2013	Mon	EPF
19 Feb, 2012	Sun	6.00%	2011	20 Feb, 2012	Mon	EPF
20 Feb, 2011	Sun	5.80%	2010	21 Feb, 2011	Mon	EPF
05 Mar, 2010	Fri	5.65%	2009	08 Mar, 2010	Mon	EPF
16 Mar, 2009	Mon	4.50%	2008	23 Mar, 2009	Mon	EPF
30 Jan, 2008	Wed	5.80%	2007	01 Mar, 2008	Sat	EPF
05 Feb, 2007	Mon	5.10%	2006	end Feb, 2007	---	EPF
23 Feb, 2006	Thu	5.00%	2005	---	---	EPF
17 Feb, 2005	Thu	4.75%	2004	---	---	EPF
20 Feb, 2004	Fri	4.50%	2003	---	---	EPF
18 Apr, 2003	Fri	4.25%	2002	---	---	limkitsiang.com

After reading the above, bad news, I said to myself.

but after looking at the article, the 4 billion shortfall is the 11-8=3% reduction in new fund for EPF.

Maybe this is really not bad news as EPF is already too BIG. Ha.

This post has been edited by plumberly: Feb 23 2016, 09:58 AM

The bigger the fund is, the more difficult to achieve higher yield return especially in current financial environment.