See earlier post 6724 to hv an idea of how the dividend is calculated...

https://www.malaysiakini.com/news/651703
one more withdrawal, one more again

no stop dy

I no need predict, i guranteed it is 6.15%
2023 i might not able to gurantee yet.

KWSP-i-Akuan is fake app...

KWSP-i-Akaun is the legit one...

after few months since account 3 introduced, my account 3 accumulated up to 1k++... for me i wont touch it but for some sure hand itchy rite?

M2u>Pay>Payee>EPF>i-Saraan

Basically, if you work from 23yo with salary is RM1.7k, and you don't get a single increment at all:

You will end up with 560k by Age 60.

Raising it to 62, you will hit 641k, close to the adequate saving target of rm650k.

Makes sense to raise it to 62 haha.

Inflation is "only" double from 30 years ago.



You don't look because most don't understand inflation. The historical CPI is there to be calculated.

Furthermore, EPF tracks inflation. The calculation is using 5.5% as a benchmark, assuming the person at 23yo earning RM1.7k having zero increment until retirement. It's the extreme end of things and he still comes out with 600k for retirement because minimum wage will rise, salary will rise.

If inflation rises, EPF returns generally rises in tandem. Take 2017 for example, inflation was at 3.8%, but it also gave us 6.9% EPF and it feel in tandem the years after.





Even your point on housing doesn't really track. If you look here, housing prices have largely trended down: https://www.globalpropertyguide.com/asia/ma...a/price-history



A Proton in 90's was around 40k, a Proton in 2024 is also around 40k. There's essentially zero inflation despite it being a better car. The inflation we see is we think Proton is no longer good enough, but we need a beemer instead. Same for houses.

You see Bangsar price is now millions, but in the 70's, it was not a popular place at all:
So the inflation is not because the housing price went up, its because the location we deem desirable went up.

Sorry for the rambling. I generally don't like the doom and gloom version without context in it. This country has a lot of improve, but it's only hopeless if we strip away all context of things.

So fast??

You would be getting like 1 day interest only for the January contribution....