some people change because of "ugama" beliefs....

.....and subject to the availability of the RM100 billion fund.

Once the total registration for Simpanan Shariah reaches the quota for the year, members who have applied for Simpanan Shariah but failed to secure an allocation will need to wait for the next annual Shariah fund allocation.

http://www.kwsp.gov.my/shariah/faq.html

goggle and found this...
more on goggle....
hope it helps....

http://www.kwsp.gov.my/portal/documents/10..._April_2014.pdf

while waiting for responses, you can read this if you want....
hope it can provides some understanding....
http://www.kwsp.gov.my/portal/documents/10...BM_01012017.pdf

some interesting numbers to ponder about this weekend....

How the EPF stacks up against other funds

Read more at http://www.thestar.com.my/business/busines...8YcXpck8Ekly.99

expecting lower dividend in the coming years??

do you mean this?
http://www.kwsp.gov.my/portal/en/home?p_p_...imaryKey=118202

contact your HR 1st.....maybe it is true abt technical glitch.....

or
Contribution Month
The contribution month is the month in which contribution is payable based on the salary of the preceding month. Contribution for any given month must be paid on or before the 15th of the month.
For example, in the case of salary for January 2009, the contribution month is February 2009, and contribution must be paid on or before 15th February. (The contribution for any given month is from the salary deduction from the previous month).

or
maybe the company is having $$ cash flow problem....

or
bad come to worst....contact KWSP

Under the new standard, capital gains on disposal of equity ............. will flow directly to retained earnings under the balance sheet instead of the income statement as under the previous MFRS 139. Alizakri also said the EPF will no longer recognise any impairment on its listed equity holdings.

EPF’s high 2018 payouts not due to MFRS 9
https://www.theedgemarkets.com/article/epfs...-not-due-mfrs-9

from your link....
"..........experts forecasting a distribution of between 5.5% and 6.15%, largely dragged by the poor performance of the local stock market."

are you saying that their projection is not logic and honest, while yours of 4.5 is more logic and honest than theirs?

anyway,....
experts had been wrong too......
just last year....
EPF dividend of 5% possible, 6% may be difficult
https://www.theedgemarkets.com/article/epf-...ay-be-difficult
if not mistaken, last year EPF actual is 6.15?

at times reading more is not helpful as it could gives information overload and undue stress of digesting it and may even cloud one judgement

This post has been edited by T231H: Feb 1 2020, 01:46 PM

I don't see the amount of payout as a reason to limit the dividend rate... For as the AUM will increase almost yearly, the amount of payout will increase too....

going for another 22% into overseas investment in the next 2~3 yrs....??
will this cause the deduction of local mkts investment?....maybe that is why local mkts had been in the doldrum?
20% from 300 billion out from the KLCI? impact in the next 2~3 yrs?

from an earlier post from a former....

Can the EPF for the first time change history and deliver a dividend rate that is higher than the ASB?
For 2019, PNB announced a dividend of 5.5 sen including 50 sen bonus,


my bet is CAN,...thus 6% this Friday

Got this from this site....

EPF dividend calculated is based on daily rest.
Means that, dividend is calculated based on daily balanced of each account 1 and 2.
However, please bear in mind the following,

a) Monthly contribution start earnings dividend only on the last day of the month irrespective the actual day the monthly contribution is deposited.

b) For withdrawal, dividend for the withdrawal sum is only eligible up to the day prior to withdrawal day. No dividend will be given on the withdrawal day.

How to Calculate EPF Dividend?
https://1-million-dollar-blog.com/how-to-ca...e-epf-dividend/

thus it is based on daily rest BUT not calculated as daily for money that was just deposited for that month....

post by orangutan
"I managed to get a reply from EPF concerning the formula. Below is their reply,...."
page 133, post 2654
https://forum.lowyat.net/topic/2705461/+2640

post by BeLieve
"Official responses from EPF :
1. the dividend calculation for the contribution is based on one day for the contribution month.<snipped>
Thus, if you wish to get dividend for 2020, you may contribute any day in December 2019."
page 14, post 277
https://forum.lowyat.net/topic/4745820/+260

This post has been edited by T231H: Feb 20 2020, 12:31 PM

BUT the GAPs between ASB and EPF rates is closing fast.....

or just blame it or it is really due to EPF got more overseas investment.....
but EPF had had overseas investment since many many years ago

YES, they should not compare EPF dividends with 10 years ago....
they should have compared the current rate of 5.45% with those of 10~18 yrs ago


Attached image(s)

not afraid to be termed as in a post in page 241 as "I view these people as financial illiterate..........No affect? My ass."?

Good that you got to option to consider....
many don't have a choice but to keep on contributing

some will be disappointed as their forecasted numbers did not materialize.
thus cannot say, i told you so

on that highlighted thing,...Tabung Haji did not have that previously?

This post has been edited by T231H: Mar 12 2021, 10:39 AM