how does one check the actual amount paid as dividend? I log in now and with 2020 & 2021 detail vs summary statements available to download.

None of these among 4 possible documents displays the actual amount added to me as dividend. I know, that roughly speaking yes my balance is higher than before but the precise amount is not shown?

thank you for helping an uncle.
BTW I also found out you can check via the epf mobile app.

you guys need to realize that even though the market is damn good, epf needs to liquidate assets to convert to dividends. In this context sometimes selling the non performing assets also just comes with losses too. We've lived with EPF for donkey year, the dividend is usually 6-7 in boom years and 4-5 in bust years. I don't get the point of crying about 0.5% if that is what is takes to make some ppl smile.

wah potong stim at the dividend announcement

for 1 trillion asset under management you'd have thought at least one phone with ability to live stream on youtube can be acquired and deployed on such an auspicious day.

Left RM4.9k still want to withdraw, basically just want to live under state sponsorship for life.

hi, I know I am late to the discussion. Has there been any clarification on how EPF get and distribute RM500 to account holders with less than RM10k balance?

thank you for replying, the epf website link you gave only says for more info look into the FAQS but I am struggling to find this. Any help?

Thanks for replying, I think we owe it to ourselves to check the EPF accounts this time around. There must be a proper accounting of RM700 million injected as income from government into EPF this time around.

I also see that EPF has not published 2023 accounts.

All I really care is that the RM700million dispensed into the <RM10k holder does not come from the shareholders (us). It should come as a special income from someplace and directly expensed out.

They can call it whatever they want but it must not be deducted from any individual contributor prior to the disbursement.

its very natural for us to worry and speculate. But in accounting, money cannot be created. So like it or not they have to show the balance sheet. Madani says Government pay, I want to see the trail of money.

how many can consistently beat EPF year in year out? I can say in my 18 years of working life I lost to EPF in about 5-6 years out of 18. Of course those included '09 Financial crisis, '18 trade war, '20 Covid and perhaps another 1 or 2 other black swan events big and small. Had I did something foolish during those times I could be wiped out but I also could have 10x'ed during those times if I were more astute, bold and careful. Nonetheless, as I approach the 2nd half of working life I start to appreciate the safety aspect more and more.

Year on year, it looks like gold traded side ways from 2012 to 2020. That is 8 years of under performance compared to EPF which is what I was talking about. Looking at the price chart now I’m not confident it provided the same reward vs risk ratio of EPF either over the long term. If one looks purely from a cagr point of view there are various other instruments to compare to as well. Example silver. I’d say gold is just one of the ways to invest.

Ya there is infinite benefit in hindsight. Given another chance I’d definitely avoid gold but would’ve all in nvda lol.
I think it’s totally out of context to compare EPF with Gold or anything like that. The correct comparison should be ASM / ASW2020, US Treasury, FD, those kind. Just MHO

Even for voluntary contributions, I feel strongly that it should not be compared to Gold, or volatile assets of any sort. One does not park money into EPF for the sake of performance compared to something that can drop over time. In other words, if EPF gains another 1% or not this year I am not too fussed as long as it is above the housing loan by 1-2%. If I wanted to properly have more than that, then its a whole other ball game. Wherein I'd still place gold at very last end of my portfolio

Personally I am ok with EPF dividends over the last few decades. Its been pretty obvious very early on that it will never generate the sufficient returns for me to "retire comfortably". For a non-bumi salaryman, 25% of your income making 5-6% per annum is not going to cut it.

By treating this as my own "savings" ie a piggy bank instead of investment vehicle, I value the EPF being completely safe in terms of guaranteed principal.

Even if we look at Norway, their sovereign fund also generates an average of 6-7% and they are often heralded as best in the world at this. They are not even principal guaranteed. Imagine a trillion dollar fund suffering a loss of 10% a year. That's 100b evaporated somewhere.

For those who hope for better, it is better to EXPECT better and take your own risks. There is no such thing as free lunch. Even the prophet took a gamble (that paid off) by creating another bucket, and investing it in gold. It is surely not a roses and sunshine on the way to financial freedom.

The best PRS is JUSTTTTT around EPF performance in long term. Like others said if not for tax deduction I won't even invest in it. In fact I've stopped.

I havent actually tried very hard at this, but look for those funds that invest outside of Malaysia. But remember the bloody fees. Personally I have plenty of bother with external non-EPF investment to bother with.

IE if you can successfully beat EPF, I suggest you pour in your non epf monies into it. Let EPF do the epf thing.

what about public global select fund? very similar performance vs Titans fund, also US exposure.

I suppose its a case of beggars can't be choosers.