If someone continues to contribute young (say if they start at 25) and work till early retirement (55).
Monthly salary of average 3K, 11% self, 12% employer contribution. avg 5.5% divi, including adjusting for inflation 3%.

They can achieve millionaire status (7 digits) in retirement fund by 55.

For those who already achieve their goal today (7 digits) in their fund,
they can live on the dividends alone with moderate lifestyle and leave the rest in there to continue
to collect the dividends every year.

So, slow and steady... everyone can reach their goal! 

lame...prediction..but thanks to hot money into m'sia equity..

I assumed in line with inflation 3%..

No, NOT a single withdrawal for ANY purchase from the main account. If anyone wants to save for house purchase, he/she can open 2nd account and definitely can contribute now (self contribute or ask employer to help).

buzz off loser..  

and dont near me..or quote me..

Hi folks,

I made this prediction in Jan-14. Looks like I am way off this time. The method that I use is immediate historical 10yr Standard Deviation and Linear Regression analysis and the result shows that EPF has been declaring above x1 Std-Dev. And also way above the regression line.

This, to my mathematical mind shows that it is going to get more and more difficult for EPF to continue this winning streak.

Xuzen

in malaysia equity market it's very hard/tough to predict.

msia market is known to give good dividends when the market is showing sign of bad economy.

example like ASB... can give consistent 8%+ above when the other equity not doing well. weird. 

Last year (2013), KLCI returned 8% - that's good economy. Why you say bad? 

sorry. my meaning was that other country economy is doing badly but it seems that KLCI is doing pretty well.

so i'm kinda confused with how KLCI performs. and i believe Msia market is based on hype.

Well, KLCI is its own beast.

Only later near year end, when other emerging market tanks, the foreign investments also follow, KLCI showing signs of weakening.  But, it's coming back again.

So, as long as the govt keeps pumping (or printing) money into the economy, KLCI will most likely get another 8-10% this year.

well if you said so... 

but nah, probably it's just me being skeptical about Msia economy.

They projected the economy is set to grow 5.4% in 2014. That's pretty healthy. 

i think u r confused with the term "2nd account" of EPF.

when u open an EPF account, you are automatically assigned account 1 and account 2, and your monthly contribution is divided into both account based on some ratio.

there's no need to explicitly open a 2nd account

2014 seems volatile to me. so i'm pretty cautious. 

In that case, continue to put money in EPF. It is safe. 

Like I said, consistent contribution over a long term can help to build a pretty good egg nest.
No need to take risk by taking money out and investing in stock market.
Good retirement plan for working class! 

Guys can i ask about comparison between EPF vs PB Mutual?

I invested some to PB Mutual coz my bro is agent. But i never really understand how it works, nor how much is my return.

Anyone has any idea of the latest PB Mutual interest?
I already asked my bro to show me some calculations.

in malaysia equity market it's very hard/tough to predict.

msia market is known to give good dividends when the market is showing sign of bad economy.

example like ASB... can give consistent 8%+ above when the other equity not doing well. weird. 

U dunno how ASB operate
For EPF, they will distribute almost 100% profits to members
For ASB, they will withhold certain % n c/f to next yr for contingencies. Tats y ASB can declare almost straight line returns yoy

U dunno how ASB operate
For EPF, they will distribute almost 100% profits to members
For ASB, they will withhold certain % n c/f to next yr for contingencies. Tats y ASB can declare almost straight line returns yoy

semo lai de??