any predictions for 2013 epf dividend rates???

Should be announce around these few day right?

YEAH 6.35% but I just started work, no much effect on my figure! Hiazzz

If someone continues to contribute young (say if they start at 25) and work till early retirement (55).
Monthly salary of average 3K, 11% self, 12% employer contribution. avg 5.5% divi, including adjusting for inflation 3%.

They can achieve millionaire status (7 digits) in retirement fund by 55.

For those who already achieve their goal today (7 digits) in their fund,
they can live on the dividends alone with moderate lifestyle and leave the rest in there to continue
to collect the dividends every year.

So, slow and steady... everyone can reach their goal! 

Hi folks,

I made this prediction in Jan-14. Looks like I am way off this time. The method that I use is immediate historical 10yr Standard Deviation and Linear Regression analysis and the result shows that EPF has been declaring above x1 Std-Dev. And also way above the regression line.

This, to my mathematical mind shows that it is going to get more and more difficult for EPF to continue this winning streak.

Xuzen

Last year (2013), KLCI returned 8% - that's good economy. Why you say bad? 

Well, KLCI is its own beast.

Only later near year end, when other emerging market tanks, the foreign investments also follow, KLCI showing signs of weakening.  But, it's coming back again.

So, as long as the govt keeps pumping (or printing) money into the economy, KLCI will most likely get another 8-10% this year.

They projected the economy is set to grow 5.4% in 2014. That's pretty healthy. 

In that case, continue to put money in EPF. It is safe. 

Like I said, consistent contribution over a long term can help to build a pretty good egg nest.
No need to take risk by taking money out and investing in stock market.
Good retirement plan for working class! 

Guys can i ask about comparison between EPF vs PB Mutual?

I invested some to PB Mutual coz my bro is agent. But i never really understand how it works, nor how much is my return.

Anyone has any idea of the latest PB Mutual interest?
I already asked my bro to show me some calculations.

U dunno how ASB operate
For EPF, they will distribute almost 100% profits to members
For ASB, they will withhold certain % n c/f to next yr for contingencies. Tats y ASB can declare almost straight line returns yoy

Macam too much info making me more confusing..

I was expecting something like I invested 10K from EPF -> PB Mutual.
So i want to know the nett profit from PB Mutual vs EPF interest for the year of 2013.

Whether my investment to PB Mutual is worth it or not, if not why not i just keep it in EPF?

Time to guess what 2017 dividend % will be.

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I expect a very satisfying % for 2017, looking at Q1-3 revenues, HIGHEST for their respective quarters.

I expect 6.5 - 7% for 2017.

I hate it when the smart guy there gives a lower %, saying to save some for the bad days ahead. Too much behind the doors manipulations for political reasons, etc etc with that excuse.

Keep my fingers and toes crossed for 6.5-7%.

1/3/2025 d-day !!!