is all about dividend la...
and here we always talk about other thing than dividend...
so next year dividend anyone want to tikam?

Wonder how is EPF's investment in UK now that GBP has appreciated 20% vs MYR.

not enough... we need 10 million ringgit to retire.... and that is retire with worry...

there, I've said it... 



// the worry is because don't know if people will start liking my money more than me... haha

wth, does this mean they're gonna bring down conventional dividends to close the gap with syariah???

Not sure what it means whether Conventional up or down?
However, how would EPF do this?    Why bother? They have their own instruments of investing.
Why do they even need to do this?

Btw Maybank is not Shariah compliant 🤦‍♀️ banks are deemed not permissible under Shariah investment

Only Commodities, Property and Industrial sectors locally are compliant with Shariah investment

I wonder what the CEO of EPF mean?? how is consider as "fair returns"?? 5% 10%? 20%?? 

I know it didn't come from you....

but how does lower return to the rich is fair to the poor?
sounded like I am poor but at least I have my health... rich people should not have their health kinda saying... 

But I see no problem gov implementing UBI for all Malaysians, and tax the high income kau kau... that is fair.... jack up income tax to 50% (for example) and remove all fuel subsidies and intro GST. Then give everyone 2K rm, for example. The poor will benefit for sure.

Savings and EPF savings are due to hard work and prudential spending and some luck, not free money from gov.

WTF. 10 years habis liao. I think i already took RM900. 5K how to sara? And what is this Akaun Fleksibel??

what is the source for this?

I think is legit...the system is not complicated...
probably is a yearly adjustable %. Probably 1% or 2%. And I bet is on Acc 2
Can only be adjust once a year on certain period of time

Ya... my expectation is Getting portion of supposed deposit of Acc2,
we can opt to get a portion of 1-2% on new deposit on Acc2, to be transfer to Acc3
But this will be on New deposit. Current Acc2 is still untouch...

The amount will end up very small

At the end, we just playing around that 23% of EPF deposit

It's a way to quiet down those "let me take my money" noises.

Maybe they will say a few % of the EPF money goes into this and you can withdraw it anytime without penalty or reason.

But it might be lower dividend or something kot to discourage this.

Thanks
Akaun 3 juga mungkin menawarkan dividen lebih rendah berbanding Akaun 1 dan 2 kerana ia akan berfungsi seperti akaun simpanan.

we can see ppl who are in this forum are very different from most of the b40s. most in this forum do not need to withdraw any epf money and are generally financial literate.

hi, just to understand, what's the "locking in" period about?

thanks

iOS KWSP iAkaun cannot seem to broken... anyone has issue..keeps loop to ask me update at App Store

https://www.enanyang.my/%E8%B4%A2%E7%BB%8F%...IQAvzP1RdWox6CI

Most interviewees said M40/M20 need around rm 3.9mil only can retire "comfortably".

Personally i think the meaning of comfortably is difference for each person (age factor, life style, etc). Some can retire comfortably with 1mil, some 2mil, 3mil, etc.

damn... i saw the word "中产阶级". Didn't realize they categorized those who have > 3mil - 9.4mil as middle class too.