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 EPF DIVIDEND, EPF

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wil-i-am
post Feb 16 2014, 07:25 AM

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Highest dividend since Year 1999 (6.84%)
wil-i-am
post Feb 16 2014, 10:45 AM

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QUOTE(skyp @ Feb 16 2014, 09:36 AM)
It suppose to be 6.35% but the amount i get seems only around 5.3%

How come?
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U can't take total closing balance @ 31/12/2013 x 6.35%
Instead, total opening balance @ 1/1/2013 x 6.35%
Then, Jan 2013 contribution x 6.35% x 11 mths ony
Then, Feb 2013 contribution x 6.35% x 10 mths ony
The calculation follows 9 mths, 8 mths .......
wil-i-am
post Feb 16 2014, 10:47 AM

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QUOTE(plumberly @ Feb 16 2014, 09:53 AM)
I think they calculate the interest for each month.

Try that and see if the monthly interests add up to their stated value.

Mine does.

Cheerio.
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U r right
Jan 2013 contribution will earn 11 mths dividend @ 6.35%
wil-i-am
post Feb 16 2014, 02:16 PM

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QUOTE(anz87 @ Feb 16 2014, 01:05 PM)
i'm also happy.... higher than most of FD  rclxms.gif
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If u r < 50/55, u can't compare with FD coz u r not allow to withdraw from EPF n invest in FD
wil-i-am
post Feb 16 2014, 02:18 PM

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QUOTE(davinz18 @ Feb 16 2014, 01:14 PM)
the divvy rate not bad, much higher than FD but still cannot beat ASB  smile.gif  too bad I cannot invest in it  sad.gif
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U can't compare with ASB coz EPF portfolio in equity is 43% ony
M sure ASB equity portfolio is much higher than EPF
wil-i-am
post Feb 16 2014, 08:29 PM

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QUOTE(RO Player @ Feb 16 2014, 07:55 PM)
p/s : my income >200k.. according to /k standard...or else .. sweat.gif
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Doing own biz or wage earner?
wil-i-am
post Feb 18 2014, 12:58 PM

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QUOTE(cempedaklife @ Feb 18 2014, 11:35 AM)
i think u r confused with the term "2nd account" of EPF.

when u open an EPF account, you are automatically assigned account 1 and account 2, and your monthly contribution is divided into both account based on some ratio.

there's no need to explicitly open a 2nd account
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70% of monthly contribution goes to Akaun 1 n bal to Akaun 2
wil-i-am
post Feb 18 2014, 01:07 PM

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QUOTE(ShinG3e @ Feb 18 2014, 12:05 PM)
in malaysia equity market it's very hard/tough to predict.

msia market is known to give good dividends when the market is showing sign of bad economy.

example like ASB... can give consistent 8%+ above when the other equity not doing well. weird.  blink.gif
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U dunno how ASB operate
For EPF, they will distribute almost 100% profits to members
For ASB, they will withhold certain % n c/f to next yr for contingencies. Tats y ASB can declare almost straight line returns yoy
wil-i-am
post Feb 18 2014, 01:14 PM

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QUOTE(WaCKy-Angel @ Feb 18 2014, 01:08 PM)
semo lai de??
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ASB is a UT product by ASNB
Refer here for further info
https://forum.lowyat.net/topic/2940861/+2380
wil-i-am
post Feb 18 2014, 01:37 PM

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QUOTE(WaCKy-Angel @ Feb 18 2014, 01:19 PM)
Macam too much info making me more confusing..

I was expecting something like I invested 10K from EPF -> PB Mutual.
So i want to know the nett profit from PB Mutual vs EPF interest for the year of 2013.

Whether my investment to PB Mutual is worth it or not, if not why not i just keep it in EPF?
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If u refer to post #211, there is a link for u to obtain performance
wil-i-am
post Feb 18 2014, 05:00 PM

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QUOTE(davinz18 @ Feb 18 2014, 04:34 PM)
are you sure EPF distribute almost 100% profits to members?  hmm.gif  why I got the feeling "they" kept some profit for "unknown" thing? hmm.gif  rclxub.gif
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Download their 2012 annual report n read
wil-i-am
post Feb 18 2014, 05:01 PM

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QUOTE(enkil @ Feb 18 2014, 04:48 PM)
Never 100%. Sure got expenses cost to account for.
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Dividend is declare after deduct all expenses
wil-i-am
post Feb 23 2014, 12:37 PM

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Upon 50 yrs old, v can withdraw 1/3 of savings
1/3 is fr (i) A/c 1 or (ii) A/c 2 or (iii) total in A/c 1 & 2
wil-i-am
post Mar 10 2014, 06:14 PM

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Don't sacrifice EPF to pay for your kids’ education
http://www.thestar.com.my/Business/Busines...e-old-thinking/
wil-i-am
post Mar 18 2014, 09:10 AM

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QUOTE(enkil @ Mar 18 2014, 02:20 AM)
Wow 30 B taken out already.  shakehead.gif
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On average, each member invested RM39.6k
wil-i-am
post Mar 18 2014, 09:18 AM

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QUOTE(yklooi @ Mar 18 2014, 09:15 AM)
rclxms.gif that is why the KLSE is up, up, up,
hmm.gif those banks that has UT links will cont to be up, up,up because of the regular investment from members...
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I think this year will slow down due to higher retirement limit wef 1/1/2014
wil-i-am
post Mar 18 2014, 10:52 AM

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The Employees Provident Fund (EPF) has announced the revised list of Fund Management Institutions (FMIs) and unit trust funds for 2014/2015 for its EPF members investment scheme (EPF-MIS).

The list will be effective from April 1 to March 31 next year.

Deputy chief executive officer (investment) Mohamad Nasir Ab Latif said the scheme allows members to use part of their savings in Account 1 for investments in approved unit trust funds through the FMIs, which the EPF reviews annually based on a set of evaluation criteria that focuses on the consistency of fund performance, as approved by the Finance Ministry.

Mohamad Nasir said for the 2014/2015 period, 224 unit trust funds from 24 FMIs are qualified to be offered under the EPF-MIS, compared with 210 from 25 FMIs as at December 31 last year. Bernama
wil-i-am
post Mar 18 2014, 01:18 PM

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QUOTE(solsekuin44 @ Mar 18 2014, 08:16 AM)
I will be able to withdraw my share in epf around August-September this year. Completed 3 years of service. Question is:

Should I wait for this year dividend before doing so?
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U will get this year dividend in Feb/Mar 2015
wil-i-am
post Mar 21 2014, 06:04 PM

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QUOTE(enkil @ Mar 20 2014, 11:38 PM)
Remember there are upfront charges for withdrawal.
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Dun understand
Mind to share more info?
wil-i-am
post Mar 23 2014, 12:04 PM

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QUOTE(sms2u @ Mar 23 2014, 11:40 AM)
Is this figure make sense? Cos there are still many member do not invest and also many member do not have so many money which can withdraw for investment.
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Numbers based on statistics released by EPF
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