i see! thanks! thank goodness we've been getting better return

are you cashing out max?

EPF Dividend Based On Investment Performance
Payout guaranteed not less than 2.5%

KUALA LUMPUR, 26 October 2015: The Employees Provident Fund (EPF) wishes to clarify that the dividend rate declared for the current EPF fund will continue to be based on actual performance of the investments for any particular year and will not be less than 2.5 per cent annually.

This, however, does not apply to the proposed EPF Shariah fund, which does not guarantee the minimum returns as any guarantee of fixed return will tantamount to interest (usury) that is prohibited under Shariah. Unlike the current fund, the dividends for the Shariah fund will be based on actual performance of the investments made under the Shariah portfolio.

The option for the EPF Shariah fund was one of the initiatives proposed to members during the EPF Members’ Consultation Campaign conducted in April this year. The results of the survey, which was conducted online, showed that 71 per cent of respondents agreed with the proposal by the EPF to allow its members to switch to a Shariah-compliant fund from the existing fund.

In response to the strong demand from EPF members, the proposed amendment to the EPF Act will enable the EPF to offer a choice to all members, regardless of race and religion, to elect for their funds to be managed according to Shariah principles.

Regardless of the members’ choice of account, the EPF will maintain its strategy of managing its investments to give stable and competitive returns to all our members.

http://www.kwsp.gov.my/portal/en/web/kwsp/...ge?newsId=34202

technically, would be different.

but am guessing epf would try to make both comparable, if not, same, just to manage expectations from contributors and also mitigate confusion.

This post has been edited by cybpsych: Oct 26 2015, 10:26 PM

doesnt matter what EPF says, it doesnt hold any "water" if under-promised anyway.

proof it with any number higher than 2014's 6.75%

time to update this table for future reference

Announcement Date	Day	Dividend	Year	Credit Date	Day	Source
20 Feb, 2016	Sat	6.40%	2015	20 Feb, 2016	Sat	EPF
07 Feb, 2015	Sat	6.75%	2014	07 Feb, 2015	Sat	EPF
16 Feb, 2014	Sun	6.35%	2013	17 Feb, 2014	Mon	EPF
17 Feb, 2013	Sun	6.15%	2012	18 Feb, 2013	Mon	EPF
19 Feb, 2012	Sun	6.00%	2011	20 Feb, 2012	Mon	EPF
20 Feb, 2011	Sun	5.80%	2010	21 Feb, 2011	Mon	EPF
05 Mar, 2010	Fri	5.65%	2009	08 Mar, 2010	Mon	EPF
16 Mar, 2009	Mon	4.50%	2008	23 Mar, 2009	Mon	EPF
30 Jan, 2008	Wed	5.80%	2007	01 Mar, 2008	Sat	EPF
05 Feb, 2007	Mon	5.10%	2006	end Feb, 2007	---	EPF
23 Feb, 2006	Thu	5.00%	2005	---	---	EPF
17 Feb, 2005	Thu	4.75%	2004	---	---	EPF
20 Feb, 2004	Fri	4.50%	2003	---	---	EPF
18 Apr, 2003	Fri	4.25%	2002	---	---	limkitsiang.com

EPF: No Change To Age 55 Withdrawal, And Introducing Akaun Emas For Age 60 Withdrawal

KUALA LUMPUR, 3 November 2016: The Employees Provident Fund (EPF) today announced that effective 1 January 2017, Akaun Emas will be introduced as a second retirement nest egg for members working beyond age 55. There is no change to the current Age 55 Withdrawal.

The Akaun Emas is one of the initiatives under the enhancement to the EPF schemes as set out under the EPF Act 1991 where all new contributions received after age 55 will be automatically parked under Akaun Emas and can only be withdrawn when members reach age 60. This is to ensure the sufficiency of members’ retirement savings upon reaching age 60.

Read more...

always in mid-Feb, usually announcement on weekends

u can read thousands of speculations here and online.

wait till official announcement lo. furthermore, the dividend is applied to your balances throughout 2016, ending Dec 2016. knowing now wont make much difference except new dividend amount added to your epf acc.

doesn't matter anyway. early or late, up to EPF to announce the rate. we cannot control then quantum of the dividend.

even if they announced NOW, not that we can get the money out for use . most of us still 'young' to get any substantial dividend amount.

epf portal = iAkaun la

nobody from epf can answer you NOW because it's weekend. contact them during weekdays if you want their explanation.

EPF via Maybank2u [ Maybank ]

Are you one of those who always want to save more with Employee Provident Fund [EPF] payment online but having a limit constraint?

Good news! With Maybank2u, it's now just a click away to contribute up to RM100,000 each month to your EPF.

Login to Maybank2u and register your EPF account as favourite to start saving extra each month.

can access as of now.

as usual, mid-Feb is the usual timeframe to announce 2017 dividend rate.

viewing 2018 statement would show message MBM2015: Statement for 2018 will be made available after the dividend for 2017 has been declared.

whatever la

take credit? combo-news? cny wishes? GE+EPF announcement? acting-Finance Minister act?

dont care la, we're more interested on the % rate than who announces it

EPF Official News: https://www.kwsp.gov.my/corporate/news-highlights/highlights





This post has been edited by cybpsych: Mar 1 2025, 08:08 PM

kwsp pj building on fire!

no issue login, and i dont use IC as login ID.

Employees Provident Fund (EPF) members who nominate Amanah Raya Bhd as the nominee/ administrator or trustee of their EPF savings will be charged a two percent flat rate as an estate administration fee.

https://www.thestar.com.my/news/nation/2017...aya-as-nominee/


If a member chooses to nominate ARB as nominee, then ARB will act as an administrator for all member’s savings.
A member can also appoint ARB as Trustee for a minor nominee who is below 18 years old.
Estate administration fee will be charged a 2% flat rate of the total amount of member’s savings upon the members’ demise.

meaning, u nominate ARB to manage your estate/harta, and they will kaotim the rest.

if you're under 18yo, ARB will be your trustee or penjaga for the estate/harta. i think la, not sure what happen after you reach 18yo.


this is why, ALWAYS PUT NONIMATIONS to your EPF, and update it periodically if there's a need. if no nomination, you need a will or nominate ARB or lawyer to get the money out.

with epf nomination, your family can kaotim directly with epf by submitting forms. straightforward affair.

This post has been edited by cybpsych: Mar 3 2018, 08:40 PM

iinm, ARB basic will is about rm300+. they'll give u a simple card, in case your demise, next of kin can bring the car to ARB to execute your will.