Singapore CPF 2.5% ordinary account vs  Malaysia EPF 5.7% , since many peoples here always like to compare. CPF special account= ??  https://heartlandboy.com/how-to-optimise-si...-account-early/ After finishing 1x small HDB mortgage, nothing much left in CPF.. Same goes to FD interest rates here are better YIELD.

Are you sure chicken Rice cost only  SGD 2 ? When is the last time you been to Singapore eat chicken rice at
Kallang, Toa Payoh, Bukit Batok or Geylang?    http://www.thebestsingapore.com/eat-and-dr...e-chicken-rice/  

Monetary Authority of Singapore objective is to hike SGD, to makes their IMPORT cheaper, as well as to control inflation. If your country
is EXPORTING a lot,  lower currency exchg rate is preferred.

Singapore CPF 2.5%    ordinary account vs  Malaysia EPF 5.7%   , since many peoples here always like to compare.
CPF not doing well in ROI ??  Fixed rate also low in Singapore ..

Higher Singapore CPF Contribution only got 2.5% yearly DIVIDEND .  Employees CPF Contribution 20%  and Employers  17%  Total = 37% SGD 

Malaysia  EPF  got 5.7% DIVIDEND .  Employees EPF Contribution 8%  or  11%  ,  while Employers  12 % ( < rm5K)  /  13% ( > rm5K)  .  Total = ?  RM   

Yet Malaysia EPF (Employee/Employer) contribution is smaller and yet is getting higher YIELD ROI than Singapore CPF higher contribution .   

https://www.cpf.gov.sg/employers/employergu...llocation-rates

Fixed Deposit (FD) rate in Singapore is also low. Suppose depositors expect higher YIELD ROI , right ?

We are talking % employees/employers contribution and yet getting higher ROI YIELD.

SGD is also dropping against GREENBACK USD too.

Great, thanks for that update. So , no issues with transferring RM60K in a day? Or is there a limit of RM30K/day? Does it follow the IBG limit?

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??

ummmmm

last year was 5.7% on a lousy year 

5, 5.5, 6, 6.5, 7, 7.5

what does it matter?

what can you do?

zilch, nothing, nether........

Lesser?  :confused:

UTs?

I do not TRUST unit trusts. 

Can invest in stocks?

Didn't know you can invest EPF funds in stocks directly.

There are hundreds of UTs. Only a handful can beat gold's performance. Why bother?

Employee contribution is fixed. Cannot reduce.

I have no voluntary contributions.

Self contribution ? Can any member do this ? What about for retirees, who r over 60 ?

Billions of investment, earn 5 - 7% interest. EPF is a joke.

I am curious, if asb is "halal" ,why isnt epf halal?

Or only asb halal and other asx not halal?

info outdated.. Selangor already said 'harus'...

btw, what's DJI?

Is it worth to self contribute more into EPF?

Dividend looks better than FD rate now.

My opinion says the above is ONLY true if the performance of the EPF continues with the present momentum. But what happens if the dpu's from EPF start to drop,... which would be a possibility now, given the negative interest rate environment creeping-up around the world ?

Secondly, well,... if one has a sum that is sufficient, and does not think of ever wanting to have more money for whatever else, then,... perhaps, if the dpu from the EPF does not drop, then he can opt to stay clean and quiet inside the EPF.

What if,... the amount of dividend one is earning is not enough to sustain over the entire period of lifespan, or for that matter is not even able to sustain him sufficiently for day-to-day expenses or for sudden expenditures that pop up every now and then ?

Given the above two reasons, wouldn't putting in effort to try to earn a better retirement income with reasonable risks factored in be necessary ? I read everywhere that the majority of Msians do not have sufficient EPF savings to last them for the remaining years.

I guessed then.... we may start talking abt depending on children, going back to the workforce, doing consultancy work, etc,... If it is such, why not learn investments instead ?

Beating FD only ? Enough to makan or not ? Enough for the occasional travelling and pleasures or not ??

Why not learn to earn higher returns ??