3 years starting next year.
ie 2026: 1.1
2027: 1.2
2028: 1.3


while very annoyed at this, hopefully for most of us, this incremental 0.1m is a rounding error vs our networth.... so relatively speaking, may not be so annoying.
btw, only relevant to those below 55 years old.

This post has been edited by Wedchar2912: Mar 1 2025, 07:44 PM

Nowadays everything needs apps

Banking, ASNB, EPF, various Socmed, Telco, local council, parking, e-wallet etc.

roadtax and driving license.

Trying to calculate my son's EPF dividend who had received his i-Saraan RM300 in 16/4/2024

Do I add the RM300 in April 2024 ?

The statement on April-2024 shows bulan caruman Jan-01 ??1!!

This post has been edited by ronnie: Mar 1 2025, 08:57 PM

https://www.freemalaysiatoday.com/category/...says-epf-chief/

EPF chief gave "advance warnings"....
Read between the lines...

2025 dividend payout is lower..... Don't expect to achieve the superb performance of 2024....

As if one can start predicting for full year at end of February!

For those who are not near 55, yet near to 1m it is a very annoying thing.
Especially if you are have plans to retire early.

You know why? The last statement by EPF saying they will revise the 1.3M figure upon review come 2028.

In my personal case, it’s a chase I don’t think I’m willing to participate in for voluntary contribution. I may be permanently parking anything from 100k to 1.3M if they decide to raise it by 100k every year from now on, since I am 43. Assuming I have 100k per annum of spare money to save. This annoyance is real.

Maybe he saw the 2 months performance is below than of 2024 same period??? 😔

he wanted to keep people's expectations low la

meanwhile... FM II said “These three achievements—strong dividend performance, the surge in Simpanan Shariah’s growth, and the rise in voluntary contributions—are clear signs that the nation's economy is on an upward trajectory,” Amir Hamzah said.

[Source]

Like 5.80% - 6% range become 6.3% for both types...

Like that ahhh .. make everyone surprised & happy

Even beat the so called analyst max target of 6.2% too 😁

This post has been edited by nexona88: Mar 1 2025, 09:56 PM

good thing is epf has quarterly update

so when the result is good can still hope for 6.3% and above

if it is the other direction you know what to expect

Whatever it is...

It's still very long way to go...

Need to see Q1 full reports.... The Initial impact from Trump wining the US president second time....

yeah, concur. the limit is not supposed to be static; expect it to increase... simplisticly, it will keep on increasing by 100K or something along the line of 6% thereabout.

However, for consideration. If you are planning to work till 55, your salary deduction + employer contribution + 5 to 6% div, the yearly 100K limit increase may not matter much. Especially if you expect have 1 to 1.3 million in EPF by 2028. ie, your balance in epf will keep on going up really.

Plus, 43 + 4 years = 47 is not far from 50 years old. At 50, you can take out all from Account 2. That gives you some leeway.


Regardless, I fully agree with you that this limit increase is super annoying. super... (my point: what makes EPF thinks it is their duty to dictate to someone with 1.0 million in epf what to do with their money)

need to see how many more tariff he gonna slap on others

Bank Simpanan Nasional.

https://www.bernama.com/radio/news.php?id=2...H2kAFMyuE7asIww



This makes dividend payout ratio to be 98.36%.



This post has been edited by BenChiew: Mar 1 2025, 11:42 PM

hi can i ask a question.

can salaried employee which already on epf contribution join i saraan and have the incentive?

thank you

congrats everyone for 2024 dividend at 6.3% but looking at how markets are performing right now...i'm not really putting much hope to even achieve same result as 2024 for EPF... so expectation for 2025 dividend is lowered already for me...

no