You have the concept all wrong. Dividend is for past year performance. This is not Fixed Deposit tell you how many % interest rates for 12 mth.

What??

Where got start from end of March one boss 🤔🧐

Overthinking alert*

EPF not that efficient to calculate on Jan itself... For the previous year contribution....

That's why delay till March for dividend calculation & crediting... They also got all those numbers from investment & admin to process too.... Such huge fund....

Klse up thsi year only..divvy for last year performance.

so 100k in jan VS 100k throughout 12 mths,

the first one will earn more, right?

We keep speculating about yearly dividend but do we have independent body that monitors epf investment strategy to meet any KPI set like dividend return? Like operating expenses of EPF, etc..

If you think of EPF as public company, then ROI is very important

Given this dividend rate.. Will it be better if I take out from Account 2 and put into house loan?

Because EPF rate is still better?

Its a bad idea to use your retirement fund for your kids education.

BTW, those that does not hv millions but just some, ..if your children can study,
If you think overseas has better future in terms of politic, financial, education or career growth prospect of your children, can try this, ...( just an example, many more in google)

ASEAN Scholarship for Malaysia
These ASEAN scholarships are for students from Malaysia joining Secondary 1, Secondary 3 or Pre-university 1 in selected Singapore secondary schools or junior colleges. Find out if you are eligible and how to apply.
https://www.moe.gov.sg/financial-matters/aw...arship/malaysia

EPF is a good place to keep realized gains after 20+ years of investing in SP500 and other ETFs. As long as market is positive, rebalance equity to EPF and reverse the process is market is down. Too bad EPF only allows 100k. why can' they increase it?

Only 2.9% real return from epf. Means inflation 2.6% ?

https://www.freemalaysiatoday.com/category/...ividend-payout/

Yup, epf is a mixed balanced fund in terms of asset allocation.

Over the years, epf has evolved from a "conservative fund" to a more "balanced fund" and has taken up more equity risk. This increased tisk is balanced out by diversification offshore.

Following the poll from 34 voters only
and mod has locked it  prevented more votings...dont know for what reason

largest group of 14 said
when  KWSP fund grows bigger, it has NEGATIVE EFFECT on investment return
citing what  Warren Buffet's managers  excuse for lower returns

so we can expect get lower KWSP return and dividend next time?

for sure KWSP fund size can only go up and up.
Monthly contribution RM9 billion!

As it is now we are not getting that high return like what Warren Buffet funds did.

From 5.5% last year, are you guys expecting  a down trend dividends like this

2024  = 5%

2025 = 4.8%

2026  = 4.5%