You confused by the forex?

In MYR, since this is your personal investment.
What i mean is when u to compare the performance (CAGR over years) in general, gold quoted in USD should be used.

EPF investment is not relevant

This post has been edited by Singh_Kalan: Jan 27 2018, 10:33 AM

You are contradicting yourself.

Investing in gold with my personal money, i want to see my returns in MYR terms. That is rather raesonable.
As with EPF, their total returns is in MYR terms.

Nvm...u will understand it when u get wiser.

Guys,....

I don't want to read al the postings above,...

Look,... for absolute gain as a Malaysian, any investment should be, at the end of the day, be evaluated in the currency that you need to SPEND the money in,...hence, in this country, in MYR.

Of course, if you are going to spend your money in SG or in Aus, then you will evaluate your returns in any investment based on the currency of that country where you are going to spend in,....

What's the point of having investment gains, or maing more money from money ? For spending, right ?

I wouldaccept, mathematically, then evaluate in the currency designated. And if we say this,... I would have an even revolutionary idea - I don't think gold investment is great. I think the USD is lousy, that's why gold investment becomes good because with the USD dropping, we require MORE USD to buy the same ounce of gold. That's the reason.

It's almost similar in concept with the bs when we said the RM was strong (before the BNM rate hike). The RM was strong ONLY against the USD because the USD was weak. That's the reason !!!!

Not our bs RM was strong, back then,....

I invest everywhere, directly into the country concerned... but in Msia - I take my total returns in the RM,....

Is EPF going to declare 2017 divident today? Check on their website says maintenance going on today.

any news so far about the rates ! ?

can access as of now.

as usual, mid-Feb is the usual timeframe to announce 2017 dividend rate.

viewing 2018 statement would show message MBM2015: Statement for 2018 will be made available after the dividend for 2017 has been declared.

Oh now only realized..
This year would have 2 type of EPF dividend..
Got Islamic & normal one 🙏

(Saw the post above)

Previously some mention the Islamic one would performed better...

So normal one 6.8%, Islamic 7%??!

Yes, that is what I fear, some political fingers in there manipulating the % for their "just" cause! If that one is doing well, they will announce it doing VERY well and thus the higher %!

Even then, if that happens, I will still not regret in staying the with old EPF ac.

Sorry to say..
But I think the reason mainly for political & religion purpose..
That one of the reason why we have Islamic EPF account...

Hopefully the differences between the two type is not huge...

It's an act of cheating god if EPF Islamic's dividend is not reflected by the actual earning.

Well there's many opinion on the principal of Islamic products offered by Malaysian financial & others organization...

Remembered reading some say the Islamic products offered here is not really "true following Islamic principles" 😕 don't really know how true is this statement..

Nanti the Mullah jadi Marah!

Is overseas investment classified as sharia-compliant? If not, it's little mind boggling how EPF Islamic can make a better return since oversea investment was outperformed.

https://www.thestar.com.my/news/nation/2017...r-year-returns/

Time to make guesses on when they will announce the EPF dividend rate.

My guesses are:
* 5-9 Feb IF the rate is good/high
* 12-23 Feb if the rate is low

Tell you early if the news is good but delay it if the news is bad. Ha.

how many % consider good?

My "good" is >6.5%.

"Very good" is >7%.

"Vote BN" is >50% .

http://www.worldofbuzz.com/epf-members-get...t-6-5-feb-2018/