Hmm..
True also what u said...
There's not much shariah compliance products out there... But the numbers are growing y-o-y... Future on, could outperform conventional one 🙏

But last year never do any withdrawal also..

https://www.thestar.com.my/business/busines...ford-to-retire/

A lot of figures and explanation. Though I never verified, I thought govt bonds were higher than banks FD.

FYI. EPF doesn't declare mark up gains of bonds as revenues/profits... They only consider the interest payments.

Gladly have lower return for lower broadband and utility prices

Come on, lowering the broadband prices was by no means a "populist move". We had almost the highest broadband prices in the world, certainly this couldn´t continue. In 2016 I was able to talk with a unit trust manager and asked him "Why do you not invest in TM shares with this massive revenues from the internet prices?". He answered because this certainly will not continue, within 3 years the prices in Malaysia will drop to a normal level".

Which was exactly what has happened. I still cannot believe I paid 250 RM per month for internet before.

tbh, i dont think its right for epf ''profiting'' from malaysian so that the % will be higher
it seems like fishing in own pond, like a company exploiting its employee so that the bonus given will be bigger portion

instead, epf should have bigger exposure in overseas, bring IN more RM.
even epf themselves said so and with just around 36% of overseas asset, this alone generated revenue of at least 51%

Looks like you want to have the cake and eat it too! 

some people dont like the idea of epf revenue get ''slash'' due to government decision or profit flow to crony
just like my previous reply, i prefer epf bringing IN more RM(RM will strengthen) rather than depending on ''fishing in own pond.''

otherwise, epf will keep increasing holdings in malaysia rather than overseas holdings.

Will the dividend be announced after CNY ?

What are those things?

Makes no sense to be below 5% as it will be political suicide for government to do so. As this would mean that nothing is going on right for the country since government change.
EPF dividend rate is basically anything Minister of Finance wish to declare, and anything too low is political suicide.

If really end up with 3.8-4.5%, EPF and government really gonna kena hentam kuat kuat by the people

Havoc Knightmare

Thank you very much for sharing your opinions.
Please do not be discouraged from the criticisms by others. Everyone is entitled to his or her opinion. Sometimes, we just have to agree to disagree.
Surely, we want EPF dividend to be as high as possible. Then again, if we suspect that EPF dividend may not as high as before, we should have sought higher return, by managing our fund ourselves in riskier investment. As Havoc Knightmare said before, it is better to take charge of what we can control, rather than complaining about what we cannot control.
Sorry, off topic a bit. Recently, you start to reinvest in KLSE as mentioned in your post, right?

Too early to count Malaysia out.... But, couple signs emerging to suggest Singapore maybe the biggest loser.
With China financial markets, Artic Route, Hdb depreciation, small economy. Siamese twin as with Hong Kong.

Me working in the little red dot.....

My 2 cents on EPF and govt ...

Is there a link? Most likely yes.

First, I think one of EPF's (hidden?) missions is to help the govt by catalysing the domestic market growth besides giving good dividends. Govt helps it by giving cash cows to EPF. Those top guys there are appointed by the govt and will try to follow the direction and current sentiment set by them. Just imagine giving 2.5% for 2019 (even if the market was really that bad), followed by the uproars in the streets, houses, coffee shops, malls, webs, etc. Most likely the top guys will be leaving the job a week later due to ill health. 

Secondly, I am extrapolating from fund companies to EPF here, think there is a set lowest limit EPF has to invest in the local shares market. Learned from a seminar, fund companies are required by law to invest x% of their funds in local shares market at ALL time (x= 70%? 80%? 90%?). How important is this? Say the stock market crashes, some companies will prefer to cut losses and cash out. If many companies do this, the market will drop deeper and faster! Don't know whether there is a similar law for EPF, ie, they have to keep x% of their allocated fund in the share market regardless of the market condition. 

If you look at some of the companies EPF has invested in, you will see some big purchases AND sales by EPF on the SAME day! Isn't that a waste of money for the transaction fees? Maybe EPF is exempted from paying fees? I think the purchases and sales by EPF on the same day are due to different fund managers they have and they strategise their investment differently. But I wish these fund managers will discuss, analyse and challenge together before doing the buy-sell of the SAME company on the SAME day. If friends here know the secret on why they are doing this, please share. Thanks.

My 2 cents, just my view, open to correction. Cheerio.  :confused:

I mentioned this before, Epf current asset allocation is roughly 50% Bonds, 40% Equities, 5% property n infra assets and 5% money market/cash. More than half of the equity exposure is outside Malaysia.

The reason epf buy and sell some counters is diue to the outsourcing of some its funds to external fund managers. Fund managers could have different strategies. Epf internal fund manager could be taking profit, while an external epf fund manager could be buying it cheap from his perspective. This is good, because you have diversity of views. They don't discuss before hand, otherwise that would be market manipulation and collusion.

Seconded. Do you guys know where to check bond holdings from fund companies/individuals? Can't find any info on bixmalaysia. Only some basic bond issuance documents and trading info. No holding info at all.

https://www.bixmalaysia.com/

Oh I see.. OTC is direct purchase from the source right?