TRUE...But Sikapor those can do work leh.

If most people need the money to pay off debts at age 55, they are in big trouble financially.

Tips on what to do with your EPF money
http://www.thestar.com.my/Business/Busines...rome/?style=biz

EPF's real performance = EPF dividend - Inflation

If inflation is 6%, then EPF's real performance = 6.75 - 6 = 0.75.

Do u know what follow shortly after record breaking earnings/dividend?

2000-2001 is the tech bubble burst in the US FYI

Means the next recession cycles coming soon?

Seremban not the next "hot" place to be? MVV?

Malaysia Vision Valley, 11th M'sia Plan 
the next Klang Valley 

EPF opposes Felda Global Venture’s Indonesian deal.

EPF questioned the rationale behind the RM2.55 billion purchase, particularly the generous premium accorded to the deal.

U have excellent insider news

EPF contributors convicted and fined RM10,000 for fraud
http://www.thestar.com.my/Business/Busines...raud/?style=biz

Putting aside the current poor economical situation in M'sia, I wonder, will it be a wise choice to contribute more money (other than deduction from salary) into EPF account for the purpose of "force saving" and also to earn the interest...?

maybe. who knows 

oh petronasku.. Our National pride

Saw the EPF retirement article in The Star. That prompted me to do some analysis as one thing bothers me.

They stated the required amounts at different ages to achieve 197k at age 55. I did some back-calculations to find out what were the dividend rates they used to achieve the 197k. See picture below.

[attachmentid=5058910]

AA
Surprised that they used different rates for different ages. Requires a return of

* 8.25% pa with 27k at age 30,
* 6.6% pa with 143k at age 50

to achieve 197k at age 55.

If they used 6.6% for the age 30 case, then the amount will be larger than 27k to get 197K at age 55. Wonder why did they use a larger %.

BB
Monthly expenses at RM820?
* not realistic to me. Should be at least RM2000 for the average Msian.
* the RM820 is not inflation adjusted. Even at 3% pa inflation (as reported by our nice govt), the RM820 will be RM1480 20 years later.

CC
The table is also misleading. For those in their teens, good news! All they need to do now is to put RM1000, 2000, 4000 for ages 18, 19 & 20 in their EPF and by the time they are 55, they will have 197k in there. Their retirement funds are now taken care of! Ha. For the age 18 case, the required return is 15.4% pa to get 197K by age 55. Realistic? Yes, the power of compound interest but this is twisting it too far.

DD
They used 6 - 15% pa in their studies. Wah! Maybe I should expect a higher % from EPF now. They know EPF better than most of us.

Cheerio.

If many people started withdrawing from EPF, it will affect the dividend payout too !

I guess the other way round. If more people withdraw the money, those interest for earlier withdrawal will
be passed/enjoy by those keep the money till dividend declaration date.

Don't listen to him. He's like unker xxx who is anti-goverment. His goal is withdraw epf, so that you don't give the goverment money.

I benchmarked my UT investment (EPF ) for the past 3 years against the EPF. The UT actually lost.

supersound you tell me you rather give money to insurance company or put inside epf (to claim income tax)?

I think if the investment is not haram, (alcohol, gambling), even if not Syariah compliance, is still OK.

EPF payout hard to predict with market downturn
http://www.nst.com.my/news/2015/10/epf-pay...market-downturn

B prepare for Lower dividend in Yr 2015 from 6.75% in Yr 2014

who said Malaysia inflation 1% only   

Department of Statistics said around 3%.

so should be 2.5 + 3 = 5.5% 

In addition, returns is compounded

only 2%    even without loan, can't be tat low