Why don't EPF report something that is easy for rakyat to understand - the more you all explain the more I feel EPF not giving us rakyat straight forward answer

All I need to know is base on the q3 report how much did EPF made and since have q3 number can we assume that from q1 until q3 not taking q4 into consideration we can at least give dividend of 7%... Like this ma...

Q1 we make some money our dividend projection is 5.5%
Q2 we make less money our dividend projection drop to 5.2%
Q3 we make a lot more money our dividend projection is up to 6.2%

All rakyat care is how much dividend going to declare
Then finally on q4 we declare 7% and with a statement that q4 is a tremendous quarter and EPF manage to make the most money

Everyone happy lo... Simple saja

Even on q4 they say dividend is 4.9% due to some losses also ppl is fine at least transparent and easy to understand

Now EPF tell us 20% I am like wah then my dividend will be at least 10%

I admit I think of EPF more like a ponzi scheme, as long as you still have people contributing then it is save, but we have reach a point where the society is aging. I have reservation towards EPF and mainly the government and how our money is being managed, being said so, I treat EPF as the cash that I can use in Malaysia whether through pension or lump sum withdrawal. While I can see many not regretting keeping the money with EPF, but we must also understand most stocks usually outperformed EPF and give as high DY as EPF. For one, if someone invested in DBS 15-20 years ago after withdrawal from the EPF, he/she would be sitting on at least have capital gain of >100%, excluding the forex gain, with current DY of 4+% which could be higher based on the buy price back then.

Having said so, I still don't think we should treat EPF as investment but we still shouldn't judge anyone withdrawing EPF for their own investment as it could turn out lucrative. During my early years of employment, I withdraw as much as I can so that I can have capital for investment, but I started building it back once those solid foundation are built.

(If below 1.x mil)
Any monies deposited After 55, will be locked till 60

Drafult risk should be close to 0. But there is still currency risk and interest rate risk..the second one if u intend to sell before maturity.

Also dont get me wrong, doesnt mean its not a good investment but to be aware of the risks.

Can give an example, the tenure n rate.

the problem is CANNOT use EPF as CASA

Haha. I think this is the issue for my friend who has been complaining, I mean me as well, although we have yet to retire, but he did mentioned if suddenly retire by company already then problem  . At least I still have other passive income, which might just sufficiently maintaining my existing commitment, but it will be tight.

Haha. Your friend's plan sounds a lot like my friend, and myself, but he really fully pump all his savings to EPF, but I just did recently because based on my calculation should have no issue treating EPF like CASA, but with the threshold increase, then it will be some challenge. For him the challenge will be more since he previously have all savings in EPF. But we don't really retire from work, we are still working, but the "what if company say goodbye to us" still stand. Btw, your posting is on other forum member or your friend?

This bold part is incorrect. The real flexible is about 10% which will be smaller portion at the moment since it was introduced not long ago. The balance 15% actually is more conditional withdrawal. The "What if" is the reason why we need to plan and change the plan because the EPF already disrupt the Plan A. Not saying anything wrong with EPF doing this, but by making this change, it actually open up to a lot more "what if". My plan all the while was to retire with sufficient amount that I can just withdraw the dividend portion. Whether the threshold move up or not, it's still the same, just that surely there will be some people sharing same sentiment like my friend who in fact he don't even need very high EPF amount to retire because of his basic + simple lifestyle, thinking that EPF essentially want to lock our money (so meaning EPF already in trouble kind of sentiment).

Anyway because of this new threshold, some of us will definitely no longer self contribute high amount, just enough to get the tax relief. I mean there is actually no motivation for me to find safe haven investment since it will eventually hit my goal by the time I retire. He also told me he just contribute to tax relief, and better move the money elsewhere since we have more than 10 years to go.

Retirement dynamics is changing compared to 20 years ago. Also back then there's a lot of trust in the Asian household culture where your multiple children to take care of you after retirement even if you blow up your EPF or retirement savings.

Nowdays families are getting smaller. There is a rise in Dual Income No Kids, or single children household. If they continue to rely on children as a retirement plan it will really burden the next generation. So this coming generation really need to get their retirement finances to be independent from burdening the next gen.

Hopefully EPF too follow up with the same thing...

Not balance burn like that after death of contributor....

And final touch.... Extra dividend or bonuses for the annuities scheme too.... If one were to have certain amount parked under it....