Where got such thing. Source?

i search thru EPF website and found their audited report and highlights... There are still around RM 23B (page 11 of 211) of reserves that serves similar to "retained Profit" that not declared out to EPF members yet.. The only way to have higher dividend with lower investment income for year 2022 compared to previous year is to utilise and distribute this reserves...Notice that year 2021 6.10% dividend reflects RM 56B declaration to members.

With investment income of 1H2022 EPF of RM 27B, assuming the 2nd half is the same RM 27B, total RM 54B investment income, to match back 6.1% dividend of year 2022 seems not that difficult actually.

This is my 2 cents opinion....no need to be agitate by my 2 cents analysis ya...in fact i'm not hoping to get same or higher dividend as in year 2021, and i just hope that it can maintain 5.5% of my expectation only...

UK is going down and so is Euro. Thanks to Uncle Sam printing money, raising rates and passing inflation to everyone else. Europe really kena troll kaw Kaw by US...

The initial price..and they tend to hold to.maturity anyway.

There are always better ones.

Like withdraw EPF and go into BTC..in 2012 😆

ini EPF Dividend la.. go post in some place else
mine still function and i am reaching 50 very soon

That would really be a question for your doctor or any doctors reading here.

:-)

I had to scroll up to check whether i am in the EPF thread.     

No one, including me...

Government is really short of money. Time to move money to SG lol

Life is funny

You come with nothing

and fight for everything

And in the end

You leave everything

and go with nothing

Choose to be happy with whatever you have or do not have !

Glad i am hitting 55 soon. If it happens, i am taking all my money out.

what if i retired early (no income) but have millions in epf, still enjoys 20%?

That survey raise interesting perspective. Even country with higher cost of living like uk only stated 3.6m myr for retirement.

MY are really damp loaded need more than affluent brits to retire... Heck even Sg say only 4.4m myr...

Citizens of countries like UK, US, Europe get a pension by the government after they retire (not just civil servant), funded by state social security system. Not a lot, but usually enough to meet basic needs. This pension can supplement whatever savings they have.

In other words, they get tongkat for life.

For Singapore I would imagine that the number exclude CPF savings, which works different than Malaysia epf.

these citizen had to pay higher taxes for the 30-50 years of their lives to enjoy the golden tongkat later in life

Just a note here,
That needs further clarification from Thailand.
From 2024, all income brought from outside will need to pay tax for Thai tax residents ( include those stayed 183 days in a year)..
So that pension money could be taxed xx% too ( 33%??)

Got that from YouTube according to that topic

It's all depends on your age & risk profile...

If you can withstand the risk, forex paper losses (like now MYR stronger) etc.... Then just move away... Longer term sure would be better than EPF....

If you got enough, just wanted some safe place to park your $$$... Then EPF is one of it...

You need to think what you want. EPF give flat rate 5%. Which means you are losing future purchasing power with time due to inflation.

If you can find something like visa/MasterCard/Costco that increase their payout yearly by say 15%p a even though yielding around 0.5% p.a post tax, you are not losing money as the 15% increase in payout more than make up for it in the long run.

You can stimulate it yourself on excel. I have done it before. You can also check out the video on YouTube.
Slow dividend grower Vs fast dividend grower. The slow one will win initially. If you have a long time, the fast one will win. Imagine your money paid out to you double every 4-5 year.

0.5-> 1% -> 2% -> 4% -> 8% ->16%
This is what I am aiming for in the long run.

It's not hindsight. It is still valid today. They are still so many companies doing the above. That is why now all my investment I rotated to the above. All will automatically increase payment to me by min 15%p.a

No more high yield for me. Low yield high dividend growth rate is the way I am going forward.

Even company like Salesforce and Google which started paying me dividends will grow their dividends at that rate in the future.

But only account 2 can be used...
And account 3 now..

70% to 75% is still "locked"  boss

🤔🧐

one thing good about recession is that usually inflation will be very tame (usually, not all the time)...
and if your income is from "fixed" or low vol return, your lifestyle will be very good....

like how the elderly japanese lived since late 1990s to early 2020s...