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EPF DIVIDEND, EPF
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Ramjade
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 Apr 5 2016, 12:25 PM
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QUOTE(kinggerrard @ Apr 5 2016, 12:17 PM) The dividend payout by EPF certainly would be better than Sg's CPF. FYI, Singapore’s CPF still earned only 2.5% to 4% – one of the lowest returns on pension funds in the world. And it has been 2.5% to 4% since 1999 – for nearly 20 years. It is Singapore CPF policy saying we don't need to give so high for such a safe investment. If they want more the consumers have to invest themselves. Which is kind of bad This post has been edited by Ramjade: Apr 5 2016, 12:28 PM |
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Ramjade
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Apr 5 2016, 02:35 PM
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QUOTE(Hansel @ Apr 5 2016, 02:31 PM) Instead of saving money n the bank as FD, can you no invest in properties or in the stock exchange in a Mid-East Country ? How is their dividend policy ? Any withholding tax against the payout, or internal taxes against div payouts ? I wouldn't invest in middle east if I were you. Is a very unstable region. One scuffle can spread to the entire middle east. Take the Arab spring as an example. Less headache to monitor investment in the middle east if you never put any money in there. Mediterranean area might be different. This post has been edited by Ramjade: Apr 5 2016, 02:36 PM |
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Ramjade
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Apr 13 2016, 04:42 PM
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QUOTE(puchongite @ Apr 13 2016, 04:37 PM) Once 'cut', it's forever, cannot sew back.  On what technical basis the EPF-i will perform better ? On observation that products such as amanah saham for xxx gives better dividends payout compare to amanah saham yyy. Also maybank GIA-i gives 4%p.a for 1 month placement. No FD is giving that much. |
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Ramjade
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Apr 22 2016, 09:56 AM
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QUOTE(wil-i-am @ Apr 22 2016, 09:10 AM) Bailout for xxxx? |
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Ramjade
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May 9 2016, 06:53 AM
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QUOTE(wenqing @ May 8 2016, 10:03 PM) 5 month 2.5% or 6.5 %? And what is the date for the actual dividend to be paid? Thanks 2.5% is the minimum guaranteed. > 2.5% depends on how much EPF wants to give. So if that year is 7%, you will get 5 months of 7%p.a |
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Ramjade
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May 9 2016, 11:09 AM
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QUOTE(mt24 @ May 9 2016, 11:05 AM) Yeah all syariah. Oh i forgot the only still making profit is maakl fund. Still positive despite many years in there. If you are a bumi, might consider asb & asb2. Both of them give 7-8% p.a |
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Ramjade
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May 9 2016, 11:19 AM
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QUOTE(dasecret @ May 9 2016, 11:16 AM) I sound like broken record - ASB and ASB2 are not shariah compliant  But yes, TS can invest in ASB & ASB2 if he is a bumi Maybe the question is, if a muslim is ok to go for ASB & ASB2, then why not non-shariah compliant funds? No intention to go into religious sensitive matters. Just a matter of fact discussion I think asb & asb2 have better track record (return) compare to epf but like you said not syariah compliant. But if I am not mistaken, they are already ~70% syariah compliant. This post has been edited by Ramjade: May 9 2016, 11:26 AM |
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Ramjade
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May 25 2016, 05:37 PM
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QUOTE(McD_burger @ May 25 2016, 05:07 PM) Lol funny u talk Use your knowledge dun always stick to epf Thay why u guy cannot get rich While i 28 can buy 5 acre land n 1 house double storey Go ahead with ur epf if only he know.  |
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Ramjade
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May 26 2016, 02:21 PM
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QUOTE(xuzen @ May 26 2016, 02:14 PM) Earlier this month (May 2016) during the interview with BFM radio station, KWSP CEO En Shahril said the target return of KWSP going forward is Inflation plus two. We know that the official Malaysia inflation rate is around 2.XX%, we should expect the coming year KWSP dividend to be around 4.XX and not more than 5.0%. Don't just hope, get informed! Then plan ahead. Xuzen If 4.xx% better put promo rate FD liao. Can feel the thrill of putting FD again after so long. But me no EPF account. Btw, if one is not working yet, can we apply for a EPF account? Need to go to EPF branch or can apply from bank like maybank, cimb? Thanks guys. |
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Ramjade
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Jun 4 2016, 08:34 AM
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QUOTE(wil-i-am @ Jun 4 2016, 08:19 AM) No thank you. Once in cannot go for conventional PRS. We know that Syariah UT is not performing for now and how many of the world's investment are Syariah compliant (very narrow market)? This post has been edited by Ramjade: Jun 4 2016, 08:36 AM |
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Ramjade
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Jun 4 2016, 08:50 AM
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QUOTE(wil-i-am @ Jun 4 2016, 08:37 AM) Instead of straight no, perhaps can consider asset allocations for risk management I believed a diversified across the globe is enough. (as what xuzen put it). Too diversified will dilute your returns. |
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Ramjade
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Jun 4 2016, 03:09 PM
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QUOTE(wongmunkeong @ Jun 4 2016, 02:03 PM) er.. did i miss something? What has "EPF v1.2" Syariah based have anything to do with PRS (conventional & Syariah)? According to the news, if you opt for Syariah account, the money you withdraw from account 1 for UT investment MUST by Syariah compliant. THis is to ensure that the money remain Syariah compliant. This post has been edited by Ramjade: Jun 4 2016, 03:18 PM |
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Ramjade
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Jun 4 2016, 03:29 PM
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QUOTE(nexona88 @ Jun 4 2016, 03:21 PM) A promotion by EPF?  |
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Ramjade
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Jun 4 2016, 05:28 PM
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QUOTE(wongmunkeong @ Jun 4 2016, 04:18 PM) oh - for UT funded via EPF? but er.. what's that gotta do with PRS? Isn't withdraw from account 1 > invest into PRS only? (since we cannot touch the money directly until one reaches retirement sge). So if we choose a Syariah compliant EPF account, withdraw from Syariah compliant EPF account 1 > Syariah compliant PRS ONLY. No? Sorry if wrong. Noobie here. |
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Ramjade
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Jun 4 2016, 05:49 PM
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QUOTE(T231H @ Jun 4 2016, 05:32 PM) Can I withdraw from my EPF to contribute to the PRS? The PRS is a supplementary form of retirement savings in addition to the EPF and is voluntary in nature. Members are not permitted by law to withdraw from EPF to contribute to the PRS. http://www.ppa.my/prs/prs-faqs/QUOTE(wongmunkeong @ Jun 4 2016, 05:46 PM) whuh.. nangdayo... U got them antennas crossed leh PRS is NOT from EPF a/c1 withdrawal investments whew.. scare me only QUOTE Meanwhile, it is goes without saying that under Simpanan Syariah, the compliance requirement will extend to withdrawal for investments in external unit trusts as allowed under the EPF Member’s Investment Scheme, whereby one can withdraw a certain amount of money from one’s Account 1 and invest into EPF-approved unit trusts as long as the Basic Savings in Account 1 is met.
This means members who want to withdraw their EPF savings from Simpanan Syariah for investments in external unit trusts will also be restricted to putting their money only in EPF-approved syariah-compliant schemes that are offered by the private sector. So these UT they mentioned are not PRS UT? |
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Ramjade
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Jun 21 2016, 10:42 AM
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QUOTE(filage @ Jun 21 2016, 10:32 AM) What's special about Simpanan Syariah? They put "Siapa Cepat Dia Dapat" term, but then say Simpanan Syariah don't have 2.5% minimum dividend guarantee like conventional EPF. How do member switch to SS? Do they specify how much they want in RM or %, or convert entire EPF to SS? Is just marketing to make people convert. If no marketing, it don't look intetesting. How to publish in newspapaer that no of takeup only x% (1 digit).? Compare that news that xx% took up Simpanan syariah. Which one sounds better?  Convert all. Once converted, there's no changing back. This post has been edited by Ramjade: Jun 21 2016, 10:49 AM |
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Ramjade
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Jun 22 2016, 08:18 AM
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QUOTE(wil-i-am @ Jun 22 2016, 08:17 AM) Apparently members can only choose between Simpanan Konvensional or Simpanan Shariah but not both Old news la. |
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Ramjade
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Jul 14 2016, 11:52 AM
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QUOTE(nexona88 @ Jul 14 2016, 11:45 AM) saw in newspaper today.. EPF contributors to have more investment options. Effective 1st August 2016, Funds with foreign exposure over 30% of Net asset value to be offered under members scheme  so u might have more choice of funds to pick from.. Which means we can see the recommended fund by EPF.  |
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Ramjade
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Jul 14 2016, 02:33 PM
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QUOTE(familyfirst @ Jul 14 2016, 02:07 PM) These funds must be invested through mutual fund companies as usual? Or FSM also can? FSM can la. |
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Ramjade
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Aug 11 2016, 02:21 PM
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QUOTE(guy3288 @ Aug 11 2016, 02:10 PM) yeah, the hype is mainly for religious reasons...... dont want to earn from sin business, etc... indirectly meaning govt pays them less also ok ...??you guys still wanna join Cannot say one. Look at ASB, ASB2, Maybank eGIA-i.  This post has been edited by Ramjade: Aug 11 2016, 02:24 PM |
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