Came back here to get the latest news on the important %. Not much chit chats this time. Strange.

One thing came to mind the other day. Hope the accounting/economic/money gurus here can help.

Say EPF only invests in one foreign share A. Q1, Q2 and Q3 results are all very good. But Q4 turns out very bad, negative.

A. Is annual return the sum of Q1, Q2, Q3 & Q4?

B. Or annual return = the difference between end of year and start of year balances? I think it should be this.

C. Problem with A is, Q1, Q2 & Q3 results may be very good due to the favourable exchange rate. But that gains are not realised at the end of the year when the exchange takes a big hit?

Cheerio.

Ha ha. Decided to move back to Msia, my Boleh land. Ha.

Better and happier New Year 2023!!!

Multi millions in EPF!

Thanks.

Year = Q1+Q2+Q3+Q4 is right to me if :
a. Qx = end of Qx - start of Qx
b. with realised gains and not just paper gains
c. ???

Opaque to me on how they calculate the Qx and year.

My gut feeling is 2nd or 3rd week Feb.

Happy >= 5.5%

Very happy >= 6%

Think the new govt will try to give us a good image and also to lay a good promising base for the coming state elections.

2022 is already over, so how can they improve the return? Smart accounting mah.

Ya, RM10,000 per month is little to you. And with your 2 yearly holidays to:

The Royal Suite at the Burj al Arab in Dubai

Presidential Suite at the Hotel Principe di Savoia in Milan, Italy

All free from your good friend EPF! The beauty of financial freedom! Enjoy!

Has anyone here got 2022 EPF Q1,2,3 figures, if you have them handy? Thanks. I dont follow EPF like before. Lazy beer in the cave drinking Carlsberg Smooth beer. Ha.

Thanks.

KUALA LUMPUR, 5 December 2022: The Employees Provident Fund (EPF) recorded a total gross investment income of RM39.31 billion for the nine months ended 30 September 2022 (9M 2022), a decrease of 18% or RM8.71 billion, compared to the RM48.02 billion recorded in the same period in 2021.

Total gross investment income for the third quarter (Q3 2022) ended 30 September 2022 amounted to RM12.32 billion, a decrease of RM1.65 billion or 12%, compared to RM13.97 billion in the corresponding period in 2021. However, this also represents an 11% improvement over Q2 2022.
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Using Jan-Sep 2021 vs 2022 as a guide, a drop of 18%, assuming the same for the remaining 3 months, and the % is linear to the revenue, then we may get

6.15*0.82 = 5.05% for 2022.

Then no more beer but tap water in my cave.

Bad, bad, bad !!!!!

P/S From my old past analysis, the declared % and revenue are not 100% linear, at times, was lower than the % from the "% vs revenue" graph when revenue was high and sometimes higher % than what the "% vs revenue" graph says when revenue was lower. I guess some hidden fingers in there turning the % dice. Just hope that this time, the fingers will be in our favour!

This post has been edited by plumberly: Feb 4 2023, 03:15 PM

[quote=Unkerpanjang,Feb 4 2023, 03:14 PM]
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Using Jan-Sep 2021 vs 2022 as a guide, a drop of 18%, assuming the same for the remaining 3 months, and the % is linear to the revenue, then we may get

6.15*0.82 = 5.05% for 2022.

Then no more beer but tap water in my cave.

Bad, bad, bad !!!!!

[/quote]
Bro Plumberly, don't tipu....I'm sure there's more crates of Coopers n Great Northern in the cave you shipped back.

[/quote]
Dont tell everyone. Very limited stock.

Dont worry, another wave will be coming soon.

My 2 cents, instead of using your gut feeling or listening to others, use some numeric method to guide you. Of course, they will not be 100% right all the time. Methods like MACD, Bollinger bands, etc.,

May the "better and happier" force be with you!

Timing it down to the day or even week will be very very difficult, and rarely correct.

But ...

Timing it to get turning points (up or down) within weeks is possible and workable. The best is to be share specific (what you see in A will not be the same on B etc ) and stock market specific (KLCI, Nasdaq, etc).

My 2.88 cents.

My richer bro!

Any EPF announcement on their system update? Bet that must be for our % updates. So please share here when you see that in their website. Thanks.

Minimum qualification for the Big Boys Club?

See how many more decades I need to get there.

Then change my decade to century.

I dont understand this.