I just found out from a friend that if your epf is more than 1 million, the dividend of the excess is way lower. Anyone can confirm that? And how much lower it is?

my unit trust agent got 50+ also tell me EPF money not my money. it belongs to govt. not sure true or not.

If it's not yours, how you can spend it? Same goes to your credit card...

My current plan is to retire from full time job by 55 birthday. Then do something part-time (eg like 2 days a week) up to age 60 n above, depending on health.

Thats the plan at least.

ini macam kah? money spent , the watch is still not yours?

like that teruk lah..
we dont own the cars we paid
we dont own the house we bought...

who own them then?
the penjaga kereta?
the penjaga rumah.....

what have we then... nothing, do we own our life?
the more the better
rezeki jangan ditolak

greed is you go fight for it
rezeki is  what `falls on your lap'.
why wanna retire just continue ma..
at that stage , you yourself may not need money any more
but people caring for you needs it
and you wouldn t even know it....

the medicines few hundreds a month,
a 24 hour companion few thousands a month
nursery home few thousands a month etc..


think positive
be thankful you have children to hand over your legacies.

Wah...
Very bad news indeed...

So we looking at 5% dividend or lower? If follow ASMx or ASBx funds rate??

Hope the FM says cannot give lower than 5% 😁

You kidding bro??? TRY??? That's our life savings!!!

DO OR DO NOT. THERE IS NO TRY - Yoda

All those so called analyst 6.5% can throw dustbin already...

Really not logical at all....

Personally the maximum EPF can go is 6%

I won't be surprised it just hovering around 5.5 or 5.6
Just you guys don't get heart attack when the rates is announced 😜

guys my last dec salary that includes caruman still not in yet or theres something wrong? i already resigned btw should make report or ask kwsp?

so the deductions or caruman its already credited in epf based from the payslip salary shown? or the employer later they credit themselves?