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EPF DIVIDEND, EPF
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familyfirst
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 Oct 8 2015, 11:34 AM
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QUOTE(max_cavalera @ Oct 8 2015, 11:21 AM) U guys shud start early before 30 years old investing ur excess epf into an aggressive unit trust fund that is proven to be lipper leader rating/award winner and consistently perform in the long run... I can guarantee if all our epf savings are being locked down in those performed private unit trust fund almost all of us gonna retire a millionaire... Their average return even taking into consideration during recession downtime and during good times still give at 15-18% per annum... Specific example of funds pls? |
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familyfirst
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Oct 8 2015, 01:53 PM
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QUOTE(max_cavalera @ Oct 8 2015, 01:18 PM) Just go buy the edge newspaper and flip at the back... They list down all available unit trust and rated by lipper... Pick the ones with the best return past 5-10 years and consistent return... Invest with ur epf money excess every 3 month consistently for the next 25 years.... Ur gonna be suprise once retire ur epf savings gonna triple to quadruple compared to ur peers... In this day of information age those that retired a poor men is really no ones fault but themselves.... Ok will take a look. Manyak kam sia. |
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familyfirst
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Nov 20 2015, 09:17 AM
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QUOTE(nexona88 @ Nov 19 2015, 01:20 PM) later He would come out with statement saying newspaper "misquoted"  QUOTE(plumberly @ Nov 19 2015, 01:29 PM) Or he was just joking. And states later no more press announcement from him from here on. More and more incompetent things surfacing now like the tip of a giant ICEBERG! Cari makan saja ....  |
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familyfirst
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Nov 26 2015, 08:40 AM
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QUOTE(cxbiuan @ Nov 25 2015, 09:57 AM) Wondering how I can opt out money to buy property from EPF? did they limited to new or 2nd property only? Do double check I heard you can only withdraw for one property at a time. Meaning if you have withdrawn previously for a property, that property has to be fully paid (bank loans) before you can apply to withdraw for another property. Previously this was not the case. |
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familyfirst
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Nov 26 2015, 01:22 PM
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QUOTE(prophetjul @ Nov 26 2015, 08:52 AM) Previously you had to sell the 1st property before you are allowed to buy the next one Oh yes perhaps so. |
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familyfirst
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Dec 23 2015, 03:28 PM
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QUOTE(cherroy @ Dec 23 2015, 03:27 PM) added III) FAMA... Haha! |
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familyfirst
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Jul 14 2016, 02:07 PM
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QUOTE(nexona88 @ Jul 14 2016, 11:53 AM) the new list would be out then  These funds must be invested through mutual fund companies as usual? Or FSM also can? |
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familyfirst
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Aug 11 2016, 10:34 AM
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QUOTE(plumberly @ Aug 11 2016, 09:52 AM) Interesting. But to me, 41k out of x million is still a small no. Less than 0.01%. How much is that 41K accounts in terms of RM? They are aiming for RM100 billion, right? Using an average RM167K per account, 41,000*167,000 = RM7 billion. My apology to those with 10* 167K per account for stating the average as 167K! That RM amount is a better indication of the demand rather than just the number of accounts. My 2 cents. P/S My current plan is to stick to the original fund though I think the govt will try their best to make this 2nd fund looks look due to the religion connection. Just imagine, this fund gives a lower % than the original fund %. The new fund members will be crying and accusing the govt of betraying them, religion, etc etc. No offence intended here in speaking my mind. Agreed. Sometimes I wonder - if the 2nd fund performs well year after year beating 1st fund, what is stopping the 1st fund from investing in those invested by 2nd fund? To me, it should not outperform each other but compliment. I dont see one being much better off that the other. Perhaps only 0.5% diff. |
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familyfirst
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Nov 3 2016, 03:38 PM
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Need advise on one question.
Im working fulltime and would like to contribute more than the 11% currently.
Should I ask my employer to do the extra deduction from my salary (which I know they wont do cos my HR is a bitch) or am I allowed to contribute myself monthly via auto debit from bank? If pay ownself every month, do I need to inform them or fill up any form?
Thank you.
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familyfirst
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Jan 4 2017, 03:03 PM
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Yes they have been very efficient for the past 15 yrs or so. I experience the same good service & efficiency donkey years ago.
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familyfirst
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Jan 16 2017, 01:37 PM
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Cham lor ...  |
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familyfirst
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Jan 17 2017, 10:33 AM
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I dont think they will break the 6%. Anything lower will be very negative perception of EPF. Many more will move out their funds to elsewhere as it will cause some panic. Hoping its nothing below 6%.
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familyfirst
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Jan 17 2017, 03:04 PM
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Computer also no money to buy .. its to do with people's purchasing power very low. Already so low, then savings also super low, then now go and kacau the savings some more.
Better use their otak to see how to increase peoples income better la, rather than spend now and decrease people's savings.
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familyfirst
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Feb 2 2017, 09:55 AM
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QUOTE(prophetjul @ Feb 2 2017, 09:33 AM) i am trying allocate portions. Not going to withdraw everything unless i migrate. My goal is look for yields of the following: a. min 6% b. equity risk 2% c. currency risk 1% d. other risk 1% Total 10% So i try to look for anything above 10% if possible for riskier assets Yeah I would continue keeping some in there unless I am leaving this country for good. No hurry in withdrawing in 3 months .. just scout for better options before withdrawing anything. I would be in a similar dilemma if the time comes for me to withdraw all. Those not at that age, cant wait to withdraw but when you are really at that age, dunno what to do with it pulak. At least for me .. haha. |
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familyfirst
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Feb 6 2017, 02:13 PM
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I have UT more than 5 yrs now. Some ok some not so ok. Should I continue for another 5 yrs ga? LOL.
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familyfirst
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Feb 16 2017, 02:26 PM
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Maybe this weekend or latest Monday! I think 6% will do it.
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familyfirst
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Feb 17 2017, 08:51 AM
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QUOTE(plumberly @ Feb 16 2017, 04:34 PM) A thought (some may say it is STUPID Ha) came to my mind some months ago, to open EPF accounts for my kids who are still schooling. Why? Dividend rate is better than the normal bank FD rate. Yes, money will be tied up till they retire (some in account 2 they can take out early). Check with EPF says those above 14 can open EPF ac (not working can also apply). Like to have your views. Thanks. A bit too far ahead cos need to wait till 50 yrs before you can withdraw something at least. Perhaps FD for now and if too safe, then UT? At least UT can withdraw anytime although a slightly long term investment period is preferred but the best is NO RESTRICTION if you ever wanna withdraw. I would not consider this if my kids are still schooling. SSPN is a better option for younger years. |
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familyfirst
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Feb 20 2017, 09:01 AM
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Im also not happy at all with 5.7%. I think its too low for its earnings comparing previous year results and dividends paid. A fair number would have been 6% as we cannot expect a repeat of the 6.4% as well. Yep, Im not unhappy and Im not satisfied either.  |
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familyfirst
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Feb 20 2017, 09:16 AM
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Singapore FD also lower than Msia. Probably thats their economic policy or banking policy or whatever over the years. But not in Msia. Cant compare macam ini la.
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familyfirst
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Feb 21 2017, 10:43 AM
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QUOTE(cckkpr @ Feb 21 2017, 10:38 AM) Am happy with the EPF dividend. Extremely disappointed with the Public Mutual PRS....still negative returns. For every RM30k I put in, "they" took RM900. Should have put into EPF. Your PM PRS you put how much? 3k I suppose? Haiya its ok la. |
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