Welcome Guest ( Log In | Register )

10 Pages < 1 2 3 4 > » Bottom

Outline · [ Standard ] · Linear+

 EPF DIVIDEND, EPF

views
     
SUSyklooi
post Dec 20 2018, 10:28 AM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(prophetjul @ Dec 20 2018, 10:17 AM)
BUT there is nothing on KWSP website to state thus.

AND I doubt they distribute more than 80% of net income.

They must retain some to smoothen the dividend distribution in bad years.
*
thumbup.gif very likely
my guess it is like ASNB FP fund too....

btw, for that that are interested and curious..... in the internet there are KWSP profit and loss statement and other financial stuffs....
if really interested to dig into it....can compare the those with the declared dividend distribtuion....for a simple estimates......

example...
in Feb 2018,...they mentioned...."....The EPF would pay out RM44bil in dividend for conventional savings and another RM3.98bil for shariah savings.
Read more at https://www.thestar.com.my/news/nation/2018...hF69qrgOXBdI.99

so can tally count from the financial statement of that corresponding year to have and estimates.....just an estimate...

SUSyklooi
post Feb 10 2019, 11:01 AM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(Ancient-XinG- @ Feb 10 2019, 09:16 AM)
For investment pool of MY market more than 60% of 100%
30+%  foreign investment

And looks at the world index as well as klci index.
Compare all indexes and the national debt mentioned.

You guys be grateful even it's 3%.

I know it's harsh but to we need to accept the reality and facts.

Only plays here are dividend stocks.
*
sorry OFF topic...

hmm.gif if that is for EPF dividend, then.... doh.gif sweat.gif there goes ASNB FP funds of the usual 6% ? as

".....PNB has 69% of its funds invested in equities and only 5% in fixed income. It is holding 20% in cash and money market instruments."(as mentioned in Sept 2017)

If ASNB did keep some % from the good harvest years for raining days...did EPF did the same too? hmm.gif

(btw,...The EPF, on the other hand, has 48.58% of its funds invested in fixed income and 42.33% in equities as at end-2016.)

This post has been edited by yklooi: Feb 10 2019, 11:04 AM
SUSyklooi
post Feb 20 2019, 07:51 AM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(Ancient-XinG- @ Feb 20 2019, 07:39 AM)
Surprise rite... With report mention mainly income from market.

But bursa 2018 return was -3.2%...

How the hell they do that. Lol.

Really magic.
*
unknown to the meaning and implications of the "impairments" as mentioned in the below post...will this be the reason to your queries?
from page 150, post 2999

QUOTE(pearl_white @ Feb 17 2019, 11:22 AM)
Looks like many are happy with the dividend declaration of 6.15%.  However, many do not read the accompanying statement/press release  from EPF.

Effective 1st January 2019 and the adoption of MFRS9, EPF will no longer provide for impairments to its investments.  (note : if there were impairments for example, it would be recognised in the statement of comprehensive income and not the current year P/L).

The dividend rate would be much much lower if this had not been the case.
*
SUSyklooi
post Mar 19 2019, 05:04 PM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


this is interesting info....

EPF’s new chief executive Tunku Alizakri Alias told international investors here that the total number of workers who contributed to the EPF had dropped drastically to just 40 per cent from 48 per cent from a few years ago.

.......
......The pension fund’s immediate challenge is to convince contributors to keep their money with the EPF, the CEO added.

https://malaysia.yahoo.com/news/one-day-epf...-081115433.html

innocent.gif if giving averages 6% pa yet the number of workers who contribute to EPF had dropped 8% for the past few years, thus will giving more % reverses the trend?......
SUSyklooi
post Mar 20 2019, 11:25 AM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(Jordy @ Mar 20 2019, 09:45 AM)
EPF will definitely continue to exist as long as the monies are still in the fund. Less contributors does not mean that they are taking out the money. The contributions rate still outweigh withdrawals rate. Even if it reverses, EPF still has enough money in its coffers to exist until we are no longer in this world.
I don't think it is possible. Total AUM still will keep growing annually despite at a slower rate. As long as the fund size keep growing, we will still see similar % of distributions. Distribution % will only increase drastically if there higher rate of withdrawals. From what Tunku mentioned, I don't think that is the current situation. It just meant that the 8% have stopped contributing leading to a lower rate of AUM growth.
*
thumbsup.gif will keep to 6% for my simulation model for now.
was "wish fully thinking of 7% soon" sad.gif
SUSyklooi
post Apr 21 2019, 11:24 AM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(Human Nature @ Apr 21 2019, 11:01 AM)
The EPF website has a new layout for the statement. I find it to be confusing and not user friendly as it does not show the month total for the accounts. The old layout is very clean and organized. I have sent them a feedback. Anyone know if there is a way to revert back to the old layout?
*
try this.....?
hope it can helps you get what you seek...



Attached thumbnail(s)
Attached Image
SUSyklooi
post Dec 20 2019, 06:39 PM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(nexona88 @ Dec 20 2019, 06:35 PM)
EPF Volunteer Scheme will be implemented next year
https://www.theedgemarkets.com/article/epf-...ented-next-year

~the scheme would enable husbands to contribute two percent out of their 11 percent EPF contribution to their wives who are working or are homemakers.
*
2% out of 11%....to not working wife's epf...
Any different to just keep that 2% for self?
Pay more taxes?
SUSyklooi
post Dec 30 2019, 04:00 PM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


year 2018 was a 'BAD" year for most Equity markets
year 2019 was a "GOOD" year for most Equity markets as most UT investors with diversified portfolios had reported 'recovery" of their 2018 losses.

year 2018 EPF declared x%
year 2019 will EPF declared less than x%?
SUSyklooi
post Jan 16 2020, 09:09 AM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(romuluz777 @ Jan 16 2020, 08:57 AM)
I thought the EPF dividends are a result of the income from the investments done externally and internally by the EPF itself, what does it have to do with govt spending or taxes ?
*
I think, many beliefs that it is not so direct as...."EPF dividends are a result of the income from the investments done externally and internally by the EPF itself, ".....
for there had been unconfirmed "hidden reserves" to smoothen the dividend payout returns trends.....
thus this hidden reserves "may" have the possibility to "pinjam" to the Govt for use.
SUSyklooi
post Jan 17 2020, 12:25 PM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(Cubalagi @ Jan 17 2020, 12:12 PM)
This is the results of new accounting standard MFRS 9, introduced in 2018. Won't impact our dividends. The more important number is the gross investment income.

Again, my projection s that it will be between 5.5%-6%. Lower than last year, but at least as good as ASB.
*
rclxm9.gif YES, I think that must be it (reason)......was sweat.gif sweat.gif and wondering "how could that go unnoticed and noiseless from the public/politicians?"

thumbsup.gif thanks for mentioning the MFRS 9 things notworthy.gif
SUSyklooi
post Jan 29 2020, 06:55 PM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(Ancient-XinG- @ Jan 29 2020, 05:22 PM)
Agree.

Basically if anyone in the market will know that KLCI is absolutely bad condition. Any dividend above 5 is just pure bullshit. Just cover here and there.

But most of the layman never know how investment work.

All they know just dividend.
*
Yes layman like me is just concern and just want to know The rate.
For those that think they knew about mkts performance and related investment relationship had not always correct about their prediction to the actual epf announced rate...... As can be seen by the usual annual past epf rate comments and postings about "would" be rate in lyn forums almost every Jan/Feb periods before the epf rate announcement. This year will be of no exception too.

I guess it would not be easy to guess a bet that is 0.5% off the actual to be announced rate.

SUSyklooi
post Jan 31 2020, 07:00 AM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


then 2 weeks more to know who is right and who is wrong in their prediction.

for their prediction maybe based on (1 or a combination of)
guts feels,
KLCI performances,
EPF annual reports/documents
Earning reports
comparison of other similar Government funds
etc, etc.

whatever methodology that had been used,.... if the prediction can get to +/- 0.5% of the actual rate ......that would be thumbsup.gif (in my opinion)

if the prediction is too far off the mark, review what had been used to analyse and how the prognosis are made, then make some soul searching then.......try to make a better prediction number again next year biggrin.gif devil.gif
SUSyklooi
post Jan 31 2020, 02:19 PM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


few years ago, they had blamed 1MDB for the KLCI poor performance.

1MDB scandal taking toll on Malaysia stock market as foreigners sell
https://www.straitstimes.com/business/compa...foreigners-sell

http://www.financetwitter.com/2016/08/losi...-the-proof.html

but I think they "should not" blame 1MDB again for the 2019 performance
SUSyklooi
post Feb 1 2020, 06:16 PM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(MUM @ Feb 1 2020, 06:11 PM)
EPF has only started to invest overseas in 2018?
*
no lah,....it was no secret...
It was in the media already at 25% in 2015
EPF: 25 per cent of assets overseas
https://www.malaymail.com/news/malaysia/201...alaysia/1007603

then increased to 29% in 2017
As at 30 June 2017, the EPF’s overseas investments, which accounted for 29 per cent of its total investment asset, ....
https://www.kwsp.gov.my/-/epf-records-rm11....ome-for-q2-2017
SUSyklooi
post Feb 1 2020, 06:24 PM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(Cubalagi @ Feb 1 2020, 06:04 PM)
Basically in 2018 they were interviewing ppl who were still clueless about EPF strategy of diversifying abroad.
*
I remembered my UT equities port diversified globally, also kena teruk in 2018 ......(Feb till end of the year),
so I guess it is no surprise that those 'experts" expected lower returns for investment in 2018

2018 proved a tricky year for investors with asset prices across the board falling.
https://www.schroders.com/en/insights/econo...year-in-review/

Stocks fell just about everywhere in 2018
https://edition.cnn.com/2018/12/31/investin...2018/index.html

This post has been edited by yklooi: Feb 1 2020, 06:41 PM
SUSyklooi
post Feb 3 2020, 08:07 AM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(beLIEve @ Feb 3 2020, 03:54 AM)
Total income for first 3 quarters of 2018 : 39.88b
Total income for first 3 quarters of 2019 : 35.48b

Assume Q4 also same (it should be better since trade war is over. didn't pay attn to KLSE. did it go up a lot in Q4?)

Averaging Q4 with first 3 quarters, 35.48/39.88 x 6.15% = 5.47%

So it should be somewhere around 5.47%, depending on how Q4 performed.
*
interesting....

btw, did you back track for a few years to do the comparison (as above) and see if the actual announced dividend rate is per that "formula"?
if are correct, then can use that for future prediction.... notworthy.gif
SUSyklooi
post Feb 6 2020, 02:12 PM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(vinchee1219 @ Feb 6 2020, 01:55 PM)
Not confirm is dividend pay announcement  coz normally is Saturday
*
but this maintenance is on Thursday from 6~9pm (3hrs) only....

QUOTE(vinchee1219 @ Feb 6 2020, 12:00 PM)
A system maintenance activity will be conducted on 6 February 2020 (Thursday) starting from 6.00 pm to 9.00 pm,  to upgrade our online services. The services which will be affected are an access to myEPF Portal to be suspended during this time.

*
SUSyklooi
post Feb 11 2020, 08:31 AM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(Morpheus2be @ Feb 11 2020, 08:25 AM)
Can anyone else access the kwsp website today? Updating Dividend Rate announcement?

#Hype!
*
I managed to access KWSP and I-akaun too....
just a few minutes ago



Attached thumbnail(s)
Attached Image
SUSyklooi
post Feb 12 2020, 10:12 PM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(Morpheus2be @ Feb 12 2020, 09:44 PM)
.....

Ho ho ho..! Tomorrow announce?
*
managed to access KWSP I akaun just a few minutes ago....


Attached thumbnail(s)
Attached Image
SUSyklooi
post Feb 14 2020, 10:16 AM

Look at all my stars!!
*******
Senior Member
8,188 posts

Joined: Apr 2013


QUOTE(Sichang @ Feb 14 2020, 10:14 AM)
Look like tomorrow epf will be announcing the dividend for 2019
*
any sign or signal as to that?

10 Pages < 1 2 3 4 > » Top
 

Change to:
| Lo-Fi Version
0.0390sec    0.67    7 queries    GZIP Disabled
Time is now: 30th November 2025 - 02:31 AM