ah ok... my bad.

the total money supply M2 went from 15 trillion (2020) to like 21 trillion, so the reverse repo hardly did anything.
the banks just don't know what to do with the printed money?

N for some retired folks its like a social activity as I see them regularly attending company AGM with friends.

don't be like me...  age 50 only figure out got such thing as stock market. too late.

Few things cannot touch in stock market, the risk is beyond many can take :

1. Margin trading
2. Contra trading
3. Buying derivatives products such warrant, futures

If you refrain yourself from the above, you can avoid many disaster.

Before covid-19

No more... Old school or not...

All nowadays online one...

That one is old skool companies 🤦‍♀️ no one bother AGMs at fancy hotels as it is waste of money 🤦‍♀️ these days shareholders want more dividends instead and that is why you can see come company pays better dividends for a reason
No need thanks to Covid19 🤦‍♀️ Only those old skool companies still waste money on such things 🤦‍♀️

Which company??

So far I see all is online 🧐🤔

Yg penting get free makan at Hotel...own via EPF tarak free makan.

Yes, I have a monthly pencen ........Is there a limit amount for EPF? I saw somewhere the limit is 60K?

This is separate category? Not under self contribution?

"urge" 
I think they EPF to subscribe to more MGS coming up. Need more monay for development.

Yes. YES!     
National will grow further. All subscribed by EPF. 

They are currently in the process of finalising the initiative to increase the annual payment limit for the voluntary contribution from 60K to 100K as mentioned in the recent budget.
Further announcements regarding the implementation will be made in the near future.

Won't be so high rate...

I'm looking at 15% the max...

And given at least 1 year "buffer" to implement them especially for SME 😁

Huhuhuhu

Bosses always find ways to maximize profits

And they let you cut because...? Easier to just fire more ppl and those who stay do more jobs.. 😂 maximized profit.

its the people who get 20k plus who makes the decision hehehehe

Yah.. That's what i am saying the t10 is willing to let you cut because? They are t10 for a reason. Are you going to tell them you gonna punish them coz of thier capability too good and give thier meat to b40 coz they too useless and incentive them to become useless so they can get meat from t10? Looks that everybody no more incentives to do better liao.. this is what i always telling ppl.. someone doing better means you should reward them for it.. Not punish them. If you tell me they are doing good so we should help those struggling then you are punishing the good and rewarding the bad.

After tax still earn more plus they definitely know ways around taxation so you don't have to worry about that. The issue is why should they let you (the normal ppl) cut that earnings? Why would a company do that to thier top ppl earners? That's what i asking. Why would a company cut 1% from thier top earners to give to the bottom earners and discourage them (top earners) to make more money for the company? If i am the boss i rather fire the bottom ppl to keep the top earners (if they really perform very good for the company). If the issue is nett zero changes to business operation, then it makes more sense to fire bottom.. say 10% and tell the rest of the company to work harder. Not cut top 1% top earners and keep lazy bums down there happy. Isn't it? I would cut bonus if i have to and only give those deserving a better bonus. Kwsp is a must but bonus is optional isn't it? Increment is also optional. So rather than making top 1% earners unhappy, i rather reduce bonus and increment of bottom earners to make it net zero. Not happy? Work harder or leave lo. Why cut top earners money? Make zero sense..

yeah.. i agree.. life is not fair.. paying 28% income tax coz they can.. Paying 1k road tax coz they can afford. But cutting salary coz you wanna please bottom earners? That's stupid as i explained above. I rather fire bottom earners and keep employees that contribute more and encourage them to make me more money then piss off top earners who actually perform better. Some stuff in life is not fair. There is nothing we can do to change it. But that doesn't mean i should do the same with things i am in charge of. This reduction in salary of top earners makes zero sense. 😂 I just rambling but it doesn't make sense... -.-"

with the new classification of T20, M40 and B40 coming into effect by next year do you think it will impact EPF dividend?

I would want to just gather some of your opinion on this and i am going to share mine:

Cutting fuel and electricity subsidies would lead to higher prices for these goods and services. This would likely lead to a decrease in consumption, as people would be less willing to buy these goods and services at higher prices. This would have a negative impact on businesses that produce these goods and services, as they would sell fewer units. It would also lead to a decrease in tax revenue, as businesses would pay less in taxes on the sales of these goods and services. Always have to remember the T20 pay 85% of this country taxes so when T20 tie up their saving and spend less then the domino  effect will happen and eventually impact our dividend payout!