On my part, I believed that we shld learn and know how to invest by ourselves. We shld not depend on the EPF, nor on anyone else.

We must contribute to the EPF, whether for ourselves or for our staff, as a means to follow a statutory act which is enacted by the Parliament of a country. Beyond that, we must learn to take care of our own finances.

Maybe can consider some investment-grade bank bonds too,...

Secondly,... BNM may lower the OPR again in January,.. so, if you are aiming for bank FDs, perhaps can expedite your research and enter asap before the FD rates are lowered further.

Bros,... these reportings are 'test the water' actions,... if public feedback is not that bad, then high chance actions will be taken in line with these speculations.

Those who are not yet of retirement age can;t do anything except to invest into the local unit trusts.

Those who are of retirement age and can take out may not know how to invest safely out there. NObody can turn into an investor overnight.

EPF would be betting on the above events.

Since the EPF has some associations with the ASB, especially in terms of dividend payouts,... I would like to attach the below article that I caught today :-

https://www.utusan.com.my/berita/2020/12/pe...tm_source=dable

ASB subscribers with borrowed funds to invest,...

Just another extra option for your guys to consider,....

Hi bros and sis',.... I recalled reading somewhere among these threads that some investors here who are more risk-averse wanted 'safer' investments for their Singapore Dollar cash holdings. Following is a good option to consider.

The subscription amt is NOT 250k SGD minimum and you can invest on lower amts. These bonds will be listed on the exchange for easier buying and selling.

https://www.dealstreetasia.com/stories/tema..._eid=a9c42462b1

Guys,... I watch Bloomberg almost everyday, I saw one advert quite recently,...Serba Dinamik, giving big words abt themselves in their slot in Bloomberg. The CEO sat on on a nice chair and spoke so greatly abt the company,....

Today,... we can see it's a bunch of lies !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

So,... don't trust everything Bloomberg advertises. That advert was quire recent,... which means SB would be having probs already by then,...

In short, he spoke abt their ESG plans, how they helped their people excelled and if I'm not mistaken,... their strategy for the environment, being in the O&G industry. After all spoken, they failed their audit tests,.... Audit tests encompass all the above,...

So ? What's declared to the public is not = what that's been audited. How do you term that ?

Too slow to re-act,...wasted pencarum's money,....

That's right, bro,....

But gov't bailed hem out,... so, no issue for TH. That's the difference,....

Sorry bros,... above statements are all just wishful thinkings.

Yes bro,... diff countries, diff issues,... I hold quite a lot of foreign currencies, SGDs in particular,... but when the SGD strengthens, REIT divvy payouts will drop if rental is collected from ovreseas properties.

But good things abt holding SGDs no need to mention-lar,...

Anyway,... I have an opinion here : I think starting from next year, people who are aged 55 and above will start to spend with their EPF first before they pullback their foreign currencies to use.

It's better to use a weakening currency which earns 5% or slightly more per year than to remit back foreign currencies and get taxed.

I suspect there will be more withdrawals come next year,....

I have many friends who preferred to buy Gold and other assets to hedge against the depreciating Ringgit instead of piling up into the EPF.

Bros,... that's why my friends bought too since gold price dropped. That's the time to buy. And yes to nexona's statement. There is some correlation here.

In my opinion,... Gold price will start reversing up when the Consumer Sentiment Index starts to drop.

One advantage of our EPF is,... the moment they sell their overseas assets, they will : kite untung forex !

Heard this personally from their brass levels,.... so, no problem, MYR will always get to be more the moment they realize their overseas investemts.

I think can maintain the yield.

I think you are right, even if liquidating any among this 35% to 40% will still earn EPF currency appreciation today,...

Ahh,... yes, for this time round,... that's right. Previously, they divested their UK properties and had forex gains. But I'm not sure if they would divest any US or SG properties this time,... or even if they have any of such props in hand,...

If they don't and their local investments do not do well this year,.. the dividend to be given out next February will be affected.

You're not talking abt Options anymore. You were laughing at dividend-investing earlier,....

Today, your tone of writing has changed,...

But EPF got the smoothing mechanism, right ?

During years where the investments returns is low, EPF can always use previous year profits to boost our dividend yield, right ?