how much is your percentage?

Cancelled. They stated in 2016 statement

This post has been edited by _dan: Feb 20 2017, 05:04 PM

Apply & see how..
Give your impressive return portfolio too in your applications..
Sure win

Normally they will say it will be a tough year due to the economy etc etc.

But in today's The Star, the EPF top guy says that 2017 will be a good year!

Why so optimistic?

My gut feel is, 2016 was also a very good year with the highest revenue and everything being equal, we should have a higher rate than the disappointing 5.7

This post has been edited by plumberly: Feb 20 2017, 08:59 PM

Make sense hehe..
Thanks for the reply..
I will proceed to take out my little acc 2.

http://www.msn.com/en-my/money/other/malay...0pts/ar-AAn7vhV

Hi risk, high losses.

2016 Impairment of MYR8.17 was the highest ever for EPF.
Methinks to offset this, they have decided to retain more reserves for future years.
However, this will affect the present stakeholders who may not have a stake in the future!

That impairment equates to roughly 1% of dividend

AND the CEO try to put up smoke mirrors comparing the impairment with the fund NAV!




This post has been edited by prophetjul: Feb 21 2017, 08:50 AM

Morning bro,... sorry for the late reply,..

Well,... Off the top of my head, don't really want to count and count, just plucking figures from my records and tracking tables only,..... better to focus my counting with NXX Bank now since they are offering me to volunteer for some writeups,....

Taking the ref from last year, using my Ringgit Msia which I have managed to convert into the Aussie Dollars,...

1) I think from foreign exchange , I would have made 10% till now.
2) this morning, I saw my Aussie portfolio giving me 2.21% green, so,.. 2.21% times current exchange rate of 3.30 vs the RM = 7.293% in my portfolio.
3) my average yield in my Aussie portfolio 6.76%, but till now, I would have collected only 1.8%.

Hence, in Ringgit Malaysia terms, I would have made 10% + 7.293% + 1.8% = 19.093%, if I am to convert back today !

Is this a good way to count, bro ?

Impressive.

Am happy with the EPF dividend.

Extremely disappointed with the Public Mutual PRS....still negative returns. For every RM30k I put in, "they" took RM900. Should have put into EPF.

Your PM PRS you put how much? 3k I suppose? Haiya its ok la.

My PM PRS is not negative, I hope. Need to check the latest statement. Ha.

My 2 cents:

AA
Is your tax refund from this PRS sufficient to cover for all the charges and losses with this PRS?

BB
Change to a better PRS. Check FSM section, some sifu there can help.

The problem is some PM UT did perform ok from previous experience but this PRS really sucks.

Well...just have to accept..lose some win some.

Yeah, did benefited from the tax relief. But never expected such a poor performance.

Tq bro,...

Different people would look at the analysis differently,... hoping can see others' opinions too,...

Actually : my aim is ROI, ie being able to generate as high a return as possible with as little funds I have as possible. My target is not to compare absolute amount of returns with others outside. I compare I make from I have in-hand,...

Keppel Corporation-style,... in a way,...

Well done Sifu!

Much better than my single digit return for 2016.

Just wondering, can it be just adding up the %?

Say

1 million return 5 %
10,000 return 25%

Then 5+25=30% is not right.

Should be pro-rata to the amount invested for each and then take the average return.

My 2 cents.

Have to use weighted average.

Limit for self contribution via M2U is RM5000 , managed to deposit, whereas via PBEOnline, I managed to deposit RM5500 without issues. Any idea what is the limit using PBEOnline?

Can't we deposit one sum of RM60k in one year?

We can but there is a daily limit using online maybank banking which is RM5000/day. Was wondering what the limit is for depositing via public bank online banking.

Can an full time employed person top up more via self-contribution?