Minimum 6% after all these hoo haa by so called analyst....

If EPF give 6.5%, then it's very good sweet gifts for everyone....

Anyway...
Ifound some interesting stuff

https://www.reuters.com/business/finance/us...ter-2025-11-15/

Related to EPF selling spree too??? Profiting & monetizing the existing investment.....

TLDR...can summarize here bro ?

1. Valuation Concern - scared of bubble & currently overvalued... Trading high 30x PE

2. Diversification - reducing the exposure to the magnificent seven

So they buying up other like healthcare, software payment types companies. US small caps give new buying opportunity & have growth....

I believe I share before that I use account 2 to buy i-lindung and I wanted to clarify that the premium will increase year over year so pls take note. I remember sharing that it will not increase but it is not true so pls take note that who bought i-lindung during renewal the price will increase

Something About premium amount of Critical Illness Insurance plans from non i lindung plans....

https://www.aia.com.my/en/our-products/heal...ness-cover.html

eCritical Early Care brochure (PDF)
https://www.generali.com.my/wf-assets/ecrit...brochure-em-pdf

Etiqa Critical Care Plus_Product Disclosure Sheet
https://www.etiqa.com.my/pdfs/en/insurance/...l_Care_Plus.pdf

Since i believes all critical insurance plans are almost the same in terms of characteristics, thus I believes the premium characteristics of i lindung will also have this similar term stated/applied for its critical illness plans

This post has been edited by MUM: Nov 19 2025, 06:44 PM


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Called Prudential about my i lindung cancellation or surrender process. Good news is it can be done over the website and you will get money back like not the full amount but more like a prorated amount base on how many months left till your renewal. It take 14 days for cancellation

Today saw some anal-yst said 6.5% to 7% dividend hahaha
I wish this is true

Haha. U heard from me first 7%

I found my second calling... To be an anal.... lyst

Haha.

The money credited into EPF account or Banks??

🤔🧐

https://www.thestar.com.my/business/insight...in-a-small-pond

Can reprint ?

EPF for sure lo but I never ask

This post has been edited by virtualgay: Nov 22 2025, 01:21 PM

https://says.com/my/news/64-year-old-retire...in-just-7-years

hahaha… another classic story:

a) someone burns through 750K EPF in just 7 years
b) luckily got pension income to rescue.... tq gov at same time
c) perfect timing to push the retirement-age narrative again (hinting 75 as the new norm)


All three agendas neatly packaged into one article… so very efficient indeed.

May as well go for the kill:
Just turn everyone’s (I meant everyone... young, old, new, etc) EPF into a pension-style cashflow and freeze 750K until age 75/death. Easy peasy, no need to wrap it in drama.

I honestly don’t know why EPF money keeps “disappearing” so fast for some… Meanwhile I’ve been retired more than 4 years, and my networth keeps growing.

So, let’s go all in. Convert everyone’s EPF, regardless of age or balance, into lifelong pension-style payouts. The government will finally get the cradle-to-grave control they seem to want. haha

last year news stuff and recycled again

EPF rate of contribution for the period is meant for retirement usage when one no longer works.
Those that burn it fast forgot the purpose. Suddenly it became holiday money, let’s buy a new car money, let’s do a renovation money, let’s pay for a wedding money, etc etc.
all good reasons but the EPF was not built to facilitate that.

Correlation of GE year and epf rates since 1972
Observe the kwsp rates Before GE, at GE and After GE year.

I was wondering, ....
Any fact based impact correlation between GE and kwsp rates ?
What does GE got to do with kwsp rates?
Are they just perceptions issues for dim sum or coffee drinks gathering talks?

This post has been edited by MUM: Nov 23 2025, 10:11 AM


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Just by chance. No connection with GE year.

What was your age when you retired? What is the trigger point, like whether EPF dividend already sufficient to maintain your expenses; or you look at other income such as trading? Or do you like get VSS package and then slowly deposit into EPF?

Based on hard facts statistic, EPF dividend is exactly correlated to the income generated as forumers aka how bond and stock market performed, end of story.

Needless to create conspiracy theory and linked to GE.
Please post at kopitiam section if wish to talk about on those conspiracy GE theory.

Political discussion is not welcomed in finance section so that the topic won't be deviated.
Thank you.