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 EPF DIVIDEND, EPF

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romuluz777
post Dec 8 2022, 06:31 PM

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QUOTE(HolyCooler @ Dec 8 2022, 04:40 PM)
And also when you have saved over 1.05mil, you can take out any extra money smile.gif

https://www.kwsp.gov.my/member/withdrawals/...rm1mill-savings
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This applies to those max 55 years old only. Any extra cuntributions goes into that Emas thingy
romuluz777
post Dec 12 2022, 07:47 PM

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QUOTE(Dunamiz @ Dec 12 2022, 04:31 PM)
Sorry just to clarify.. if our EPF total fund is above rm1 million, we can withdraw any amount above this rm1 million right even if we are below 55?
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Correct
romuluz777
post Jan 16 2023, 08:01 AM

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Maybe they don't plan to live for very long. Skali gujs sai lang every penny they have.
romuluz777
post Jan 20 2023, 11:28 PM

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QUOTE(contestchris @ Jan 20 2023, 11:17 PM)
Guys until now I do not see any incoming EPF for Jan 2023 in my account...should I be worried?
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The self contribution I placed in early Jan ‘23 and Dec ‘22 caruman all reflected accurately in the i-akaun app as of today.
romuluz777
post Jan 30 2023, 08:39 AM

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QUOTE(Wedchar2912 @ Jan 29 2023, 07:21 PM)
unfortunately, in Malaysia's context and due to our population's behavior, no politician will dare to propose this. Our people is just too used to sedekah, until basically election bribes can also be spinned as sedekah.

Also, by allowing this, EPF really will be abused by those who are truly rich, and that defeats  the purpose of this establishment.
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The same way the poor are abusing the EPF by demanding "one-off" withdrawals.
romuluz777
post Jan 31 2023, 11:32 AM

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Apart from the charts and figures, one must also consider the political sentiments in determining the actual dividends to be announced.
romuluz777
post Feb 1 2023, 03:13 PM

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Based on average incum of rm4.36B per mth, which comes to rm52.3B for 2022, and if it takes rm9.5B for every percent of dividend, I would guesstimate a div of 5.5%.
romuluz777
post Feb 1 2023, 07:29 PM

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QUOTE(Ankle @ Feb 1 2023, 08:09 PM)
How much further will political sentiment elevate this figure ??
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No clue, anything extra is a bonus.
Expect the worse and be pleasantly surprised if we get high 5s or even 6😅
romuluz777
post Feb 1 2023, 11:40 PM

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https://rnggt.com/202327557/
romuluz777
post Feb 4 2023, 01:21 PM

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At least RM 5 Mio in EPF to maintain current semi-lux lifestyle and 2x vacation (1 each in Europe and the Americas)
romuluz777
post Feb 5 2023, 11:14 AM

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IMO, those who hv >1M in EPF (which I believe most sifus & bros here do) should continue to self contribute as much as possible. In case one comes across more attractive investment prospects elsewhere, then its fairly easy to withdraw the excess and transfer it to the alternative investment prospects.
romuluz777
post Feb 6 2023, 02:03 PM

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The retained profits from 2021 could possibly be used to top-up and augment this year’s div.
romuluz777
post Feb 7 2023, 09:38 PM

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QUOTE(Ankle @ Feb 6 2023, 02:34 PM)
Of the 3 economists, Geoffrey Williams forcast of being tough to top 6.1pct of 2021 as being
the most likely outcome for 2022.

I would disregard Mr Yeah Kim Leng altogether.

Mr Liew gave a too optimistic broad band of 5.5pct to 6.5pct.

I agak agak it to be 5 to 5.5pct.
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https://www.thestar.com.my/news/nation/2023...nwar-on-finance

Mr Yeah KL is a member of the advisory board to the Finance Minister.
He would have an insider viewpoint that other economists aren't privy to.
romuluz777
post Feb 8 2023, 05:55 AM

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QUOTE(xander2k8 @ Feb 8 2023, 12:14 AM)
He wouldn’t have any insiders viewpoints as it is only advisory board itself that Anwar will only seek advice if necessary 🤦‍♀️

Unlike Council of Eminant Persons which would have access to govt and its documents unlike this board 🤦‍♀️
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I’ll give you the benefit of the doubt as you’ve probably served in such a capacity yourself 😎
romuluz777
post Feb 9 2023, 09:06 AM

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Ayam expecting a mid 5.xx div and an announcement around budget time
romuluz777
post Feb 10 2023, 01:31 PM

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Dont bother counting pennies on which dah to self contribute. I normally just whack 60K into my account every 1st week of January and be done with it. Wasting time to calc which day of the month to credit to earn how muc xx dividend🤦🏼‍♂️ nonsense
romuluz777
post Feb 10 2023, 03:36 PM

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QUOTE(prophetjul @ Feb 10 2023, 04:05 PM)
Only time i DUMPED was my retirement gratuity. Lump Sum.
Didn't know one could do that with salary too?
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Its possible. Just fill up the form and pass to HR to execute.
romuluz777
post Feb 10 2023, 11:10 PM

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For those below age 55.
If breach 1M, can consider 100% salary masuk all, can use i-akaun deduct daily expenses + loan payments as and when required.
romuluz777
post Feb 11 2023, 11:31 AM

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QUOTE(ronnie @ Feb 10 2023, 04:55 PM)
max is 89% of salary can be dump into EPF via salary contribution by employer
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Thats the max voluntary excess from employee contribution, in addition to the statutory 11%, total 100%.
Your whole gaji can masuk EPF
romuluz777
post Feb 12 2023, 03:20 AM

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QUOTE(beLIEve @ Feb 12 2023, 04:10 AM)
Only can consider if upcoming dividend is good.

Cannot 100%. Need to deduct the part you share2 with LHDN first.
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Thats for sure, the PCB is unavoidable.
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