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EPF DIVIDEND, EPF
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dwRK
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 Mar 29 2024, 09:44 AM
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QUOTE(guy3288 @ Mar 28 2024, 05:47 PM) i also dont foresee a significant drop in KWSP dividends too. You dont think a bigger Fund size would have negative effect on investment return? theoretically there is a technical limit... but as long as fund growth is within capacity to profit... then no effect... buffett has a different problem... he wants to buy over good companies at big discounts... market not letting him... local market looks like started recovering... and when us cut rates then should improve ringgit... am expecting higher epf div for next year unless some other shit hits the fan... |
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dwRK
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Mar 30 2024, 12:05 PM
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aiyoh... epf is fd / casa account for after 55 lah... y'all want to compare it to s&p500, bitcoin, etc etc returns fer what?... lol it just need to beat fd n inflation...  y'all supposed to get rich outside with your other monies... |
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dwRK
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Mar 30 2024, 12:25 PM
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QUOTE(ronnie @ Mar 30 2024, 12:07 PM) agree....beat inflation need 10%. Our CPI too fake easy to beat before you know it... some ppl will say 10 mil not enough for retirement... lol dun tembak numbers out from thin air lah... hahaha... go dosm, pick your own cpi basket... |
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dwRK
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Mar 30 2024, 12:33 PM
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QUOTE(Cubalagi @ Mar 30 2024, 12:27 PM) Later thread locked coz CPI discussion 😆 epf dividend needs to out run cpi ahh for retirement... related...  |
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dwRK
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Mar 31 2024, 03:55 PM
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alamak have to delete...
This post has been edited by dwRK: Mar 31 2024, 03:56 PM
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dwRK
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Mar 31 2024, 05:13 PM
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QUOTE(Wedchar2912 @ Mar 31 2024, 04:05 PM)  ok, back to EPF dividend... it has been almost 1 month already... anyone took out their funds from EPF and moved elsewhere, or still continue to top up extra into EPF? I took out the past few year's dividend already...   i top up max liao... dun subscribe to the epf doom and gloom scenario... sure malaysia got problems... sure epf is politicized... sure dividends are reducing... but epf remains the safest place for excess funds and reasonable dividend yields... but i do have plan b... and it doesn't need more epf monies... |
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dwRK
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Apr 2 2024, 11:03 AM
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QUOTE(nexona88 @ Apr 2 2024, 07:18 AM) Yup. For retirees... EPF like high interest CASA.... Can deposit or withdraw anytime.... Guarantee 2.5% rates (but actual it's over 4% from 1960') some other pros... 1. capital guarantee unlimited... pidm only 250k... overseas depends, all got limits... 2. capital protection... they can sue, cannot get your funds... 3. if no will yet... nominees can still get funds... 4. gg liao... continues to earn dividend until "100"... others will close account send to unclaim... . see... nothing to be sad will only feel sad when dividend drops to fd+1% or cpi+2% levels... anyways... This post has been edited by dwRK: Apr 2 2024, 11:05 AM |
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dwRK
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Apr 16 2024, 08:51 AM
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QUOTE(ronnie @ Apr 16 2024, 08:03 AM) it's still hearsay i would think low to no dividend for Account 3 is best. because the money won't stay long in account 3. no... 10% div account 3... dis way must think hard withdraw or not... hahaha... |
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dwRK
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Apr 16 2024, 09:25 AM
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QUOTE(ronnie @ Apr 16 2024, 08:53 AM) People asking for Account 3 has low to zer0 financial literacy ok... zero withdrawal acc 3... eligible for monthly ipong caruman...  |
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dwRK
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Apr 17 2024, 11:33 AM
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epf is gov 'ponzi' lah... always got fresh funds every month... not need to liquidate anything
just have to hold on to these money longer got the cashflow for acc 3 liao...
main problem this monies is ineffective at generating profit... so i expect dividend to suffer because of it...
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dwRK
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Apr 17 2024, 12:24 PM
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QUOTE(nexona88 @ Apr 17 2024, 12:10 PM) You better got solid evidence of the statement you posted.... Anyway... Cannot really say it's ponzi.... Because EPF got some rules to follow... Minimum dividend in place, auditor etc was referring to the... getting fresh funds paying out retirees attributes... not the scam part... anyways... cheers ppl... |
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dwRK
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Jun 24 2024, 09:12 PM
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today got surprise letter from kwsp... ask to save in kwsp and get i saraan...
you guys really withdrawing gao gao... hahaha
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dwRK
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Jun 25 2024, 12:05 PM
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QUOTE(nexona88 @ Jun 24 2024, 10:11 PM) Letter as?? Printed hard copy posted to your registered address?? Or email in soft copy format... hard copy with name... lol... |
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dwRK
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Jul 5 2024, 07:30 AM
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QUOTE(leanman @ Jul 5 2024, 07:22 AM) Once passed 55, monthly employment contribution goes to another account where upon reaching 60 only can withdraw. Not sure this is applicable to the self contribution portion. everything goes to account emas... |
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dwRK
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Sep 20 2024, 10:35 PM
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QUOTE(boyboycute @ Sep 20 2024, 08:43 PM) Can u help please help Unker run some numbers. Unker wanna know whether those who keep in EPF for 30 years earn more leh OR those who transfer to Singapore and put into FD earn more? Unker guess EPF win hands down even with Ringgit depreciation. Unker use common sense only. Unker doesn't know excel. epf vs fd is not comparable... epf vs cpf maybe ok... talk about common sense... lol... |
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dwRK
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Sep 21 2024, 12:25 AM
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QUOTE(Cubalagi @ Sep 20 2024, 11:17 PM) I dont think he wants to compare a Malaysian and Singaporean. He wants to compare a Malaysian putting money in EPF vs a Malaysian withdrawing/not putting money in EPF and putting the money to SGD FD. My rough calculation based on 10 years 2014-2024 Exchange rate 2.50 to 3.25 gives cagr of 2.66% Singapore fd rate was generally quite low for many years in the last 10 years. Me too lazy to research exactly by year but if say average 2%,, and combine with fx gains will give 4.66%. So epf wins. If anyone else rajin to be more precise 🙏 i know full well what he wants to do... but the comparison is flawed as it is not equitable because the mandate of epf is not the same as that of banks... the better organization to use for this is cpf... hence you convert myr to sgd say 30 yrs ago and "invest" into cpf's 3 compounding accounts... here you will have a better match up... |
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dwRK
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Sep 21 2024, 10:16 AM
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QUOTE(nexona88 @ Sep 21 2024, 08:07 AM) So EPF vs CPF For last 30 years including Fx profit is how much??? Outperform EPF or not 🤔 What I know, from basic knowledge... CPF rates is way lower than EPF... So profit gain from forex gain... cpf most likely under perform epf... reason is sg gov is also doing other things to help with retirement... QUOTE(gashout @ Sep 21 2024, 08:24 AM) CPF also has limit, EPF doesn't have, best if you refer to a specific income then can do comparison. yup... even epf got limits... need hard digging to find something truely comparable... but end of the day all these are moot... |
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dwRK
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Sep 21 2024, 10:35 AM
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QUOTE(Ramjade @ Sep 21 2024, 09:25 AM) You cannot compare like that. Why? Majority of FD in Singapore before 2020 was giving like 1%p.a in interest. Want to compare, compare with CPF or if you want closer comparison, compare EPF with Singapore banks. Of course people say can't compare stocks with EPF. Someone showed before that the RM depreciate by 2-3%p.a Vs the SGD for the past 30 years. yup... about 2.6% pa... he wanna show epf is superior to keeping myr in sgd form... this is correct... but we all know majority who does it intend to invest in sg or us market... myr to sgd is only a transition step... waifu is doing 75% salary direct to epf... she got no interest in investing/hedging... so epf with high dividend vs fd, is best casa acc... |
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dwRK
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Sep 21 2024, 01:36 PM
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QUOTE(boyboycute @ Sep 21 2024, 01:15 PM) CPF is only for Singaporean and those working in Singapore only. Your knowledge a bit lacking... you do not understand the concept and idea of equitable comparison... |
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dwRK
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Sep 21 2024, 01:59 PM
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QUOTE(boyboycute @ Sep 21 2024, 01:48 PM) Then, how do you know transferring money to SGD is better than keeping in EPF? What comparable you use ? Unker want to know how articulate you're in this matter. you want a one sided view... that is fine... i have no interest explaining benchmarking to you... you can google and learn it yourself... |
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