EPF is a great retirement and investment product. This is one part where Malaysians are lucky. It's capital protected with a minimum guaranteed returns.

Having said that, there are 2 investment principles that I hold:
1. Diversify, do not put all your eggs in one basket
2. Past returns are no guarantee of future returns.

My approach is I don't withdraw from Epf, not for paying loans, Unit Trust investments. . At the same time, I also don't voluntarily add more as well. I try to build up retirement alternatives to EPF, in my case, properties and direct stock market investments.

However, there is one situation where I perhaps will withdraw from Epf, and that is if we face a great market crash sort of thing. Say KLCI falls below 1000. I will withdraw from Epf and put into stocks (I'm already entitled to as balance above RM1m)..

No problems. I can wait for more than 10 years.

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 ?

market up or market down also can make money one... depends on how you do it.
i just sapu 2 units and i expect  a return 8-10% in rentals pa
More fearmongering on EPF money will push many to trip over

Perhaps i should say i will get 8-10% pa from these latest 2 additions

So far my units are 100% all occupied, and whenever old tenant leave, next one comes almost as fast
Last 7 years i dont remeber having any unit vacant for more than 1 month ,
where to find la rental so cheap like that?
These 2  new units would not be any difference.
Both units are tenanted now one RM350 and another RM450,
My agent had visited and told them the units have been sold,
new owner going to increase rental to RM450 and RM550

The Rm550 has agreed , told us do some minor repair fixed a door grill.

Don't know if u guys realized or not..
There's this one investment guru.. that I always see in FB ads...

He says EPF is kinda "Haram" not following shariah rules... Example is Genting Plantation... He says yes EPF Don't invest in Genting but the initial $$ does come from it.. so whatever profit from Genting Plantation is considered "not clean"... So now promoting Pre-IPO shariah compliant investment....

And best part. There's many fall for it too...

How? Prop investing had been and will continue to be the greatest generator of wealth for most people...

why I feel this kind of reply only suitable to Kopitiam Section topic only 

anyhow for now.. we keep speculating only...

When the announcement expected to happen?

Based on info from unaudited accounts, 3.8% to 4.5%.

Plse, plse dividend high enuf for me to offset my FD redemption for Myvi downpayment.  Thank you, kwsp.

Hi guys, How do I contribute monthly to EPF if I work overseas ?

A system maintenance activity will be conducted on 6 February 2020 (Thursday) starting from 6.00 pm to 9.00 pm,  to upgrade our online services. The services which will be affected are an access to myEPF Portal to be suspended during this time. 
 

22-Feb

If we know the rate upfront, most of us will be charged under Official Secrets Act 1972.

Last night I dreamt it's 5.9%.