The bolded part is the best.

Any position placed is either for investment or hedge. So when there is gains, it will not be paid out means what? They keep?
When loss, then pass to whom?

Silly.

As of March 2025, the EPF's total investment assets had reached RM1.26 trillion, with 38 percent of them invested overseas.

During that period, overseas investments generated RM8 billion or 44 percent of the total investment income.

Epf should describe this better. If as a hedge, then they should say so.

Else gives the impression certain gains they keep... Which is wrong.

If my memory serves me, Q1 ringgit was flatish. Q2 ringgit strengthening. So Q2 may see translation losses.

Honestly i felt cant contribute too; business owner who claim minimal revenue on yearly basis.. i know few getting B40 benefit while guarantee much richer than me. Parking money in epf creates paper trail..

Hindsight is 20/20

bro no hoo ha lah,
you must be another one
in the  minority
not our Asian values

better just quietly DIY at home
rather than wishing for a law for all
that you can never get.

yeah lah
that is the normal way we think of EPF and bonds

tapi ni unker tua
dont  know how his mind working....  

to him bond is safer?
apa bond i asked him 
he doesnt know also..

Bro here is the fallacy, 'goalpost has shifted'
How does that make EPF any worse?

That excuse has been 'over emphasized'
the main excuse used by unker tua

and not until it is clarified here
People will continue to fear
for nothing....

But at the same time because of the updated threshold, people can now say goalpost can be shifted anytime.

Yeah. Not much impact to me since I don't self contribute a lot to my EPF account previously, but I do know of people pumping in their savings, then now complaining "should have guess that goalpost will be shifted", and also people recommending withdrawal at any opportunity laughing the other camp, see told ya etc etc.

Bro you guys are avoiding the contentious issue ie
Goalposts have shifted

What exactly is that can you please tell me?

oh  that was my comment to your reply answering
someone asking how to manage his RM2 million EPF money
when he 6o yrs old

keep in EPF lah as you have replied.
to earn EPF dividend cukup lah

At 60 years what for still wanna invest RM 2 million EPF money
to earn higher return ?

i specifically want to dig out
all those so called changes
to show the fear mongerer
they wont make EPF worse or more risky

1. Increasing retirement to 60, 65  so what?
wont make EPF any worse or  more risky
virtualgay gave you the answer

2.increasing the lower limit to 1.3million 1.5 million so what?
wont make EPF worse or more risky also
dwrk gave u the answer

3.EPF may further change rules
what is this that will make EPF worse and more risky
you tell me

that unker tua said EPF become CPF how?

my reply to him is
dengar guruh dilangit
air dalam tempayan dicurahkan

Hmm...

If indeed fixed rates paid... Government need to support it... Financially....

Because purely on EPF performance is really unsustainable for this kind of scheme....

Personally I loves this fixed thingy....
But doubt actually would be working on real situation

There already exist a monthly withdrawal option, so what is the difference I wonder? Maybe a form of lifelong annuity like CPF?

Thats how CPF SG works based on my understanding. A portion will be set aside and pays a monthly pension till u die. Its an annuity. Live long u win, die early u lose.

The rest of the balance is withdrawalble.

Lets see what the Malaysian govt comes out with.

well...

initially got wrong interpretation.... but since you cannot go against the policies imposed... over few years time period... there's leading to a change in perception on the scheme 

if really only impacts those born after 2000, then its a non-event. someone born 2000 is only 25 years old now... pretty sure to them at such age and just started working, they would think like us back when we were 25... the money in EPF can pretend doesn't exist and don't rely on it.

plus at 25 years old, got a lot more things in mind and a lot of other priorities besides EPF....