any method to see if EPF has been selling some of their positions? Like what they do with their equity positions in bursa, which is reported to bursa.

No such thing for bonds tho.. Reporting is only to BNM.

I think bonds also needed to be open in reporting change of holdings..
at least the public knows who buying & selling off..

There is no bond exchange, everything is an OTC market as opposed to exchange traded for stocks. Therefore there is no requirement for institutions to disclose their bond holdings to the public.

2020 will reduced income from PLUS and Air Asia share price

What is also interesting is the financials of PLUS, which seem to be not in the best shape.

For the financial year ended Dec 31, 2017, PLUS posted a loss of RM114.8mil compared to a net profit of RM309mil a year earlier. Revenue in 2017 was lower at RM3.9bil compared to RM4.06bil previously.

As of Dec 31, 2017, PLUS had accumulated losses of RM3.98bil that could be due to its dividend payouts exceeding its profits.

To be sure, currently, PLUS’ cashflow is still strong and more than enough to service its debts.

Its free cashflow was in excess of RM1.9bil in the first nine months of 2018, according to a report by rating agency Malaysian Rating Corp Bhd, which also allowed it to declare dividends to its shareholders.

Just asking coz im worry my company didnt pay my epf. checked online since decmber last year till today my epf balance is not updated or increase. Is it epf declaration dividend still in process?

1: EPF 2019 CORPORATE PERFORMANCE

As of 31 December 2019, the EPF recorded 14.6 million members, out of which 7.6 million were active members. The members encompass five generations of the Malaysian workforce: 1.4% are born between years 1900 to 1940, 8.0% are Baby Boomers (born between years 1941 to 1960), 38.3% are from Generation X (born between years 1961 to 1980), 51.5% are from Generation Y (born between years 1981 to 2000) and 0.9% are from Generation Z (born from 2001 onwards). In the same year, the EPF saw a 24.6% growth in i-Akaun subscribers from 2018’s 6.1 million subscribers, to 7.6 million subscribers. Employers registered under the EPF grew by 3.0% from 507,100 to 522,300 employers.

The Fund received an average monthly contribution collection of RM6.3 billion, leading up to a total collection of RM75.9 billion by the end of 31 December 2019, which translates to an approximate RM144,000 per minute. There were a total of RM44.8 billion in withdrawals which translates into an estimated RM85,000 disbursed to members every minute. Net contributions to the EPF came up to RM31.1 billion, or an average of RM2.6 billion monthly and RM59,000 per minute.

In order to better serve its members, the EPF undertook several initiatives in 2019 such as the launch of i-Invest which recorded a transaction value of RM81.8 million, benefitting over 10,000 members, since the launch in August 2019. Financial literacy remains one of the core initiatives for the year, with the launch of the Belanjawanku and My Money Matters guides, both providing information and tips on financial spending. Voluntary contribution schemes i-Saraan (for informal workers) and i-Suri (for housewives) recorded RM144 million and RM7.4 million in transactions respectively, underlining the EPF’s commitment to expanding social security coverage.

In addition, the EPF’s award winning Retirement Advisory Service (RAS), which aims to empower and equip members with the knowledge and tools to manage their finances in retirement, was expanded to 52 of the EPF’s 68 branches, from 28 branches in 2018.

2: EPF 2019 FINANCIAL PERFORMANCE FOR SIMPANAN KONVENSIONAL

The EPF’s overall investment assets stood at RM924.75 billion as of 31 December 2019, of which 37% was invested in the Shariah portfolio and 63% in the Konvensional portfolio. Returns from the entire Konvensional portfolio and part of the Shariah portfolio are attributable to Simpanan Konvensional. For 2019, the EPF reported a gross investment income of RM50.29 billion, with two-thirds coming from stable interest and dividend streams. Of the RM50.29 billion, RM45.82 billion was attributed to Simpanan Konvensional. EPF’s dividend payouts are derived from total gross realised income for the year, after deducting net impairment on financial assets, realised losses from listed equities, unrealised gains or losses from intercompany transactions, investment expenses, operating expenditures, statutory charges as well as dividend on withdrawals.

The payout amount required for each 1.00% of the dividend in 2019 for Simpanan Konvensional was RM7.65 billion, compared to RM6.99 billion in 2018. Out of the total investment assets, 49% was allocated to fixed income instruments for capital preservation purposes. The allocation to equities, for capital enhancement purposes, was 39%. Money market instruments for capital preservation and liquidity management comprised 7%, while real estate and infrastructure for capital preservation and capital enhancement purposes made up another 5%. Equities continued to be the main contributor to income at 47%, amounting to RM21.49 billion, compared to RM26.66 billion in 2018.

Fixed income instruments provided a measure of income stability in 2019’s volatile environment and as expected, the income from capital gains increased due to lower market yields. Investments in fixed income instruments comprising Malaysian Government Securities & Equivalent and Loans & Bonds, in total contributed 43%, or RM19.60 billion, compared to RM16.64 billion in 2018. Real Estate & Infrastructure contributed RM3.03 billion or 6% to investment income in 2019, while Money Market Instruments contributed RM1.70 billion or 4% to investment income during the year.

The EPF’s overseas holdings across all asset classes stood at 30.3% and contributed 41.0% to its gross investment income. External fund managers managed 14.4% of the total funds and contributed 18.3% to income.

3: EPF 2019 FINANCIAL PERFORMANCE FOR SIMPANAN SHARIAH

The EPF’s total assets stood at RM924.75 billion as of 31 December 2019, of which the EPF’s overseas holdings across all asset classes and both Shariah and Konvensional portfolios stood at 30.3% and contributed 41.0% to the overall gross investment income. Meanwhile, external fund managers managed 14.4% of the total funds and contributed 18.3% to overall gross investment income. For 2019, the EPF’s gross investment income from its Shariah investments was RM17.88 billion, with a quarter of this attributable to Simpanan Shariah and the remainder attributable to Simpanan Konvensional. The payout amount required for each 1.00% of the dividend in 2019 was RM0.83 billion, compared to RM0.73 billion in 2018.

From the total investment assets, 37% was invested in the Shariah portfolio. Out of this portfolio, 47% was allocated to fixed income instruments for capital preservation purposes. The allocation to equities for capital enhancement purposes was 42%. Money market instruments for capital preservation and liquidity management comprised 8% while real estate and infrastructure for capital preservation and capital enhancement purposes, made up another 3%. As 2019 was a good year for shariah fixed income instruments, which provide a measure of income stability in a volatile environment, its income from capital gains increased due to lower yields. Investment income for Simpanan Shariah in fixed income instruments comprising Malaysian Government Securities & Equivalent and Loans & Bonds, in total contributed 47%, or RM2.10 billion, compared to RM1.75 billion in 2018.

For the year under review, Equities contributed 45% to the Simpanan Shariah investment income amounting to RM1.99 billion compared to RM2.63 billion in 2018. Money Market Instruments contributed RM0.24 billion or 5% in Simpanan Shariah investment income in 2019, while Real Estate & Infrastructure contributed RM0.14 billion or 3% to Simpanan Shariah investment income during the year.

Typed into Excel and able to match with 2 cents off, probably because I lumped both Account 1 and Account 2 together in my calculation.

I can confirm that only 1 day is counted for the contribution month. So if you bank in on the last day of the month, you probably lose dividend for the entire subsequent month (because it's only recorded in EPF the next day). Bank in on the 2nd last day of the month is the best scenario, assuming no hiccups between the bank and EPF.

Reference : https://1-million-dollar-blog.com/how-to-ca...e-epf-dividend/

I'm trying to derive profile of fellow forumers.
Will plot some Charts.

Age :
20-30, a
31-40, b
41-50, c
51-60, d
> 60, e

Kwsp acc1+acc2+gold (RM K), ie, 1,000s savings :
(If earn Sgp $ in SRS or CPF, just x 3.)
Rm100-300, a
Rm301-600, b
Rm601-900, c
Rm901-1200, d
Rm1201-1500, e
>Rm1501, f

How you feel of kwsp performance :
Satisfied, let kwsp fund mgrs do their work, a
Neutral, buy 10% PRS n IT, b
Dissatisfied, want to manage own Acc1, c
Most dissatisfied, want to withdraw all kwsp, d

Example of a Wealthy Uncle reply  cud be = d, f, a.

That’s not EPF’s job to flex fiscal policy muscles. Their primary responsibilities are to safeguard Malaysians’ retirements.

It’s Bank Negara and federal government’s jobs to prop up the economy.

i also just 'sold' all my unit trust and park back inside EPF for the dividend. selection of unti trust fund is very important. if the fund cannot do better than EPF then it's not worth the time and money.

after 3 years, i m getting avg of 3% from my local balanced equity funds, so better switch back to EPF for the dividend.

National Service.

such an article.. sigh.. scared the bejesus out of me.
all conjectures only - thought something already afoot or tabled for Ok/NoK liao - sensationalism "reporting"

A fair amount because less than 2% of EPF members have more than even RM1 million in their account.
Too bad last year's annual report was not published, otherwise we could see the exact figure.

Transfer profits to ASB. Who knows?

And why no?

The fund managers are all controlled by them. Who is to forbid from EPF buyin/selling to TH or ASB?

TH's woes is not from the equity market but through their failed business ventures like this FPSO.

https://www.freemalaysiatoday.com/category/...to-stay-afloat/

THey had no business being in business and getting scammed. They distributed more than they earned!  Go figure.
You just gave a good example of market manipulation with your example of the threat to Maybank. Will this happen in free market?
Who stopped EPF from buying Tajuddin Ramli's rotten MAS shares?  Or lending ti 1MDB?

Bear in mind that EPF is an 900 billion behemoth. A billion here and there will not shake it. However, it will mean that you get 0.1% less but the ASB holder will get 0.2% higher dividends.  Much like the tiered distribution idea.  Think about it.

You expect them media to announce these schemES?????   

Buy/Sell same fund managers. Who knows what goes on behind closed doors?