my nz fund made 11% in 2023. how come epf can never hit that? cause want to support local market?

so it means our local market sucks. that it cannot survive without gomen help and can't be competitive against other countries.

government owned are usually secured, less risk taking companies = lower return

2022 negative 11%, good times +10-20%, bad times -10%. overall average very good.

Yeah. But they also give the funds.

Growth aka aggressive
Balanced
Cash mainly

That'd separate appetite of different people.

a hypothetical question

if i put 100k in january.

then the year dividend is 6%, will i get more than 6% overall? since I contributed starting of the year? when others only evenly distributed the 100k throughout the year and get 6%.

so 100k in jan VS 100k throughout 12 mths,

the first one will earn more, right?

so 100k in january, dividend at 6%, they would get more than 6k dividend

100k throughout will get exactly 6k.

am i right

thanks!

so max is


previous year amount, full 12 months.

current year amount, only 11 months+ 1 day max.

i see tycoon still contribute to epf.... thought you retired... and living off dividend

still working? thought you have stopped?

not working where fund to self contribute.

from crypto?

ok, pray pray 6.10%

nope. contribute 2 more years, hit 7 digit, then stop at 1 mil.

take out dividend yearly to diversify and reduce house loan.

50 50 is good. I'm doing the same and they're climbing fast.

Just want to say if you've been to India. You're thankful Malaysia still can be saved.

I still have hope for malaysia
But any dividends in foreign currency is always a good thing. Earn overseas. Spend locally.

Thats how we manage our investment and diversify it accordingly

Go invest in Gloria Jean's coffee and what losing company

I heard the other company's owner is a helang.

How did they even CONVINCE the government aka EPF to invest in them.

truly sincerely

if it announces 5.6%, ill channel all funds to sgd

pathetic if they cant hit 6%

=dengki

So dengki they can do the same but won't.

Hope you can achieve soon