great example....

Just to share: at simple glance also pretty can guess that scenario 1 would be better than scenario 2.
(of course the detail analysis proves it, so at end to really confirm still need the table.)
 
scenario 1 is 55% arithmetic total return.
scenario 2 is 60% arithmetic total return, but with years of volatility.

ask any laymen to use their life experience: which would one choose?
no risk or big risk with movement.

Wartsapp message going around

friend forwarded

epf 5.6%

if true dont know to laugh or to cry

Huh?
Balance of below 1k

How that's even possible???? 🧐😒

One cannot have zero balance? Unless those reach retirement age or just open new account...

Those multiple times withdrawal given previously also.... Cannot empty your EPF account too....

Well...

I started from bottom too... Everyone too... Unless you're born with gold spoon... Papa Mama $$$ to build up for $$$....

It's all about planning...
Not enough money but spend on unnecessary things... Gaya lebih... Buy Honda to show off... Eat Maggie everyday...

Now keep asking EPF withdrawal... Since already taste the 4x withdrawal previously.... It's like drug...

Because of this all withdrawal... EPF performance partly down the drain too... (Other factors is local market performance)...

Not sure can use to apply or not. That time where got Account 3? Cannot have the cake and eat it too. Propose Zero% interest if they want to put money in Account 3. Only fair.

We keep speculating about yearly dividend but do we have independent body that monitors epf investment strategy to meet any KPI set like dividend return? Like operating expenses of EPF, etc..

If you think of EPF as public company, then ROI is very important

This no the big deal. Anyone in C-suite can announce if dividend is good i.e EPF Chief investment officer who was rumour to take the helm a one time.

Don't care how high they give to syariah. But the Syariah increase 0.65 from previous year why conventional unable to achieve same rate? Should be 6% I reckon. Feel like 0.5% was stolen

Is this legal? It's literally stealing, is it not?

At this rate, why not just make EPF shariah compliant.

Can non Muslim choose Syariah option? Any drawbacks?

Both of my kid are still below primary school age.. By the time they go uni, im not sure whether I willing to fork out millions for them to study, and  whether they can even earn back the millions, many just study then work non related job of what they study… 1 million 5% is 50k, maybe it’s small amount in 15 years time but I guess still can provide them with basic necessities, and they should just go local uni and I’ll safe the million for their future usage hahaha.

They do publish some stats la but nothing concrete:
Ya, so I go and get my own higher exposure to S&P lo. Paper gain or not, it's still a 20% contribution to my personal wealth. EPF will always be a more defensive play, their aim is not to maximise gains but rather to manage something better than inflation. Nothing wrong with that.

But I don't see the point doing that more, when I can get that 10-20% other place, and still have EPF to fall back on if it fails. So that's my play.

This fund?

Principal Global Titans Fund - Class MYR
https://www.principal.com.my/en/gtf

let EPF do the compounding for you then you will see that long term stability, EPF is the best. Glad to report that i have reached 7 digits at the age of 35. Cant imagine what happanes when im 55, believe i am able to retire comfortably.

The gross outflow will definitely increase even though the withdraw-able portion is smaller.