Basically, that analyst gave reason although investment return up, total AUM also up so this will drag the div % to max 6.0%

TLDR: Fund size too big!!!

The cost differences of these 4 locations indicate our bro have no less than RM5M

What I know...

Based on 2023 EPF shariah announcement..

They went big on US technology equities... Because limited choice available for the fund to invest....

Probably one of the reasons why 2024 results for shariah dividend is superb....

Not sure about the size..

But the percentage of allocation of equities must be higher...

Since they cannot invest in MGS... So they heavy on US Equities especially those technology related one...

In fact 98% payout is not exactly correct. because 74.46b is the total investment income, not the net income.
The net income can be more or less than 74.46b depend on the amt of other income & total expenses.
However, most likely other income cannot cover total expenses hence payout can be even higher.
Unfortunately this year they didn't published the net income figure & AUM for 2024.

i have a friend who works as stock analyst and when i ask him the best stock to buy in Malaysia...where i can buy and hold....he told me is Nestle...

EPF size too big...

By 2035 it's AUM 3 Trillion MYR... Bigger than Malaysia economy....

Problem to pay high dividend like now... Probably going towards CPF rates...

EPF is being use as cash cow for government "social activities"....  Example is the upcoming affordable medical insurance scheme

he isn't wrong. ask him for next jackpot number.

EPF is for retirement saving, not a bank saving account, and shouldn't be abused as high saving rate bank account.
The money should be intended for use after retirement age and not simply for easy withdrawal above whatever amount.

There is ac2, ac3 acccounted for 25% total amount that can be withdrawn.
So whether above 1m, or whatever amount withdrawal is not an issue at all.
Have 1M, total 250k already can be witdrawn at anytimes.

Well...

You don't be surprised... When one day, actually this debit card thingy suddenly become reality....

Like account 3 flexible... Who would ever think EPF would restructure the account & become 3 account with account 1 increase another 5% & account 2 reduce 15%...

So if they don't plan to realize any losses this year, is the div going to be 0, assuming sell nothing

Left pocket to right pocket, dividends tak dak kacau.

For now as long as Acct 3 still has the same div rate as its other siblings.

Everyone want to retire early and there are always many type of ppl

1. Retire early scare not enough money to survive
2. Retire early scare no work equal lazy lifestyle faster die
3. Retire early scare later children useless we can't support them
4. Dare not retire as that disturb the norm

To be honest I don't mind increase the retirement age to 65 as long as gov don't change the epf withdrawal rules

For me I just have to plan well and try to retire early but I don't have the balls...

Hai...

Just buy a shorter term bond and hold to maturity

Just buy a shorter term bond and hold to maturity

The shorter one would be 2y Tbill,
But 2y one only about 4.x% when hold to maturity.
While EPF is likely to be in 5 to 6% range.
No reason to switch from EPF to it.
Somemore there is exposure to FX risk, although it can be both way, if USD rise, extra gain. But given current state of situation, USD is not likely to be at strong side.