dividend as for now is same

in future we don't know

also EPF did mention it's would be lower thanks to high liquidity nature of account 3

Dont think epf ever mention that, only analysts

*He - EPF chief executive officer, Ahmad Zulqarnain Onn.

https://www.malaymail.com/news/malaysia/202...rst-year/130739

Could and would, are not the same

your understanding might be different from mine.

Could mean possible
Would mean he give consent in his imagination of future
He did not say shall so dividend same for now

Dividend same or not...

There's better option out there...

Off coz high risk too...

Boss Ramjade can show the way 👌

Good lo everyone happy, Govt approval rate also up

Coming months also still can suka suka take 10% out, happynya

inb4 EPF 5% is rubbish & MYR is forever depreciating lah

Not for long (maybe already dropped as for now).
Thanks to multiple reasons like high cost of living, subsidized stuff gotten cut drastically, MAHB - Blackrock etc.

Later comes back the old demand

10k EPF withdrawal

This post has been edited by nexona88: Jun 29 2024, 07:48 AM

Well it's true. I don't NATO but walk the talk.

Taking into consideration that your capital is well preserved and zero risk, average for 5.5% every year is not bad at all for me.

Provided u don't have a dream of migrating and living in Western countries and aim for retirement in Malaysia (ya myr sucks)

This post has been edited by sp3d2: Jun 29 2024, 08:35 AM

already got but not many and so can still ignore lol

ya ya right doesnt matter to me you nato or walk the talk cause it is none of my business

even with MYR I dont need to sweat to retire early so why bother wasting my life from enjoying life to look for more money :grin:



if earn and live there also barely survive unless paid decently not like can be filthy rich being an average joe M40... all the diff is if you work high currency but spend MYR.. if managed to get such deal la

so MYR sucks but still not till cannot survive living here unless not fairly paid... tracking back my cost of living past 15 years... actually 3% only YoY but other currency strong how about inflation living there... well at least I still can eat out here regularly

afterall vellfire omoda 5 iphone still selling hot

This post has been edited by coolguy_0925: Jun 29 2024, 01:31 PM

Well it should be your business. If you don't take action you lose future purchasing power. You work so hard and see your money gone just like that (lose value)? Not for me. I work so hard for it, I am going to preserve it as best as possible.

Can we stick to discussion about EPF please

You work so hard still need to worry about it means you are underpaid lo

If fairly paid with YoY adjustment even a 5% from what you saved is more than enough to last until you die what is there to talk about purchasing power lost

Well to others sorry for OT but I am also somehow defending EPF with my reply.. hehe

Again, EPF is help you to retire not help you to get rich. Get the expectation right then you wont be disappointed

I know it's kinda still early to discuss... June also not end yet 😋

Anyone got opinion how would be Q2 EPF numbers performance would be??

With all the scandal going around.... Account 3 withdrawal of 7bil $$$ and balance 3bil waiting for withdrawal....

Even last time said Q1 Q2 Q3 shooting at last also no 6% and now with withdrawal and 2Q to go... I expect same or slightly better than 2023 by dividend date

It's simple concept.
Eg you have RM1m now. Do you want your future retirement fund to be worth say RM800k RM600k (today money) in the future? Sorry but I want my EPF to be worth RM800k Vs 600k in the future. Why should I take a lower retirement value?

You are welcome to defend EPF.

You do what you think is best for your retirement fund and I will do what I think is best for my own retirement fund. My money is not your money and your money is not mine money. So jaga suit sendiri.

This post has been edited by Ramjade: Jun 29 2024, 03:47 PM

I think you hv 2 retirement plans.
1 is the kwsp and another one is you diy.

Have you forecasted what will your kwsp amount will be at age 45? I believes it will be substantial too.
Guess you cannot do much with that but just gives every month and take what ever they they gives it when you retired