Now only I know Islamic Finance cannot keep pocket

Like that could be roller coaster neh and come bad year then sure kena

will know in 2 months plus

sounds reasonable but dont be too happy just yet as kena bitten before liao ha ha

lol don't even know that is actually a 'selling point'

imagine when really so bad that this is happening

conv terpaksa pay 2.5%

will they declare another one 0%

even covid year they still gave a good return so for me the past 10y trend already a good confidence rsther than the 2.5% guarantee

well primary objective for opting syariah should not be profit anyway

: )

Even 2020 still at 5.2%

Good enough to give confidence

Fastest and easiest way to earn money is by using money to earn money

Majority of mine also not in EPF

Altho EPF recently offers 1%+ vs ASM but I still don't like the idea of getting RM1mil locked inside for another 10 years+

Now still thinking when is the best timing to start moving RM100k over every year

Checked BNM website [https://www.bnm.gov.my/documents/20124/8292..._table_A.18.pdf]

BLR by end of 2010 was 6.27% and gradually reached 6.79% in 2015

My offer was BLR -1.90% = from 4.63% to 4.89%

This post has been edited by coolguy_0925: Feb 6 2025, 09:51 PM

Chinese newspaper also reported so called 'expert' predicted max 6.0%

All so conservative or really EPF no more breakthru

Then the gap vs ASB (hopefully also ASM) become less than 1% liao

Basically, that analyst gave reason although investment return up, total AUM also up so this will drag the div % to max 6.0%

TLDR: Fund size too big!!!

kasi chan olang cali makan saja

well think fr bright side we are financially literate

others those tak tau one need analyst to tell them but as if they care later return sucks still maki hamun

In case you didn't get to folow waht we discussed, someone shared here before

Voluntary contribution 10months @ RM11.16b alone can cover all the Account 3 withdrawals 9 months RM10.78b

So this again proves most of the $$$ are with the countable rich compared to the mass poor

Don't forget the main one

Monthly mandatory contribution which confirm come in like brrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr

And soon additional 4% from FW... EPF cash rich yo! AUM no up??? I think up until EPF kena outsource to investment firm kaw kaw

So those who say EPF already kosong memang no use their thinking ability and logic at all

Even kosong also every month brrrrrrrrrrrrrrrrrrrrrrrrrr and people keep pumpinmg RM100k every year

no need la

already many contributing voluntarily berbillion until kena outsource

now dont even see they open to encourage nomination outside like last time

save OT and rental to pay dividend perhaps :grin:

FM II gave good indication [Source]

Basically he said Q4 also kept performed like the first 3Qs (继续有这样的表现)

And the div % will be encouraging (令人鼓舞)

But I will just keep expectation low and wait for announcement

And yes, agreed ASNB should look into spending otherwise don't be surprised why AUM no grow

I also prefer to expect for reasonable % and anything more will be bonus

Well everyone definately hope to get better return but call me conservative, just don't want to be disappointed by unrealistic expectations

Don't know the details but 12% is very impressive

Even our beloved unit trust fund 'reserve' also like never depleted one

How much balance left?

wow even last year was 8.2%

but 2022 only 1.1%

Most probably after saw FM II aka EPF ex-boss gave hint so they UP their tikam a bit

Afterall, if not accurate just try again next year

From results from 3 quarters and FM II confirming Q4 also doing in par that should be the way

Last year IINM they tikam before got the info on Q4 result (and probably did not expect a chunk was not realised)

Anyway, left 3 days to know whether their 'analysis' accurate or down the drain again

FM II? He definately saw the results, discussed & decided the % now only to let current EPF boss to announce it

6%? Next is hope ASM will show 5.25% then the gap become < 1%

sabar.. nanti sabtu ni bagitau