Based on EPF's 2013 performance, I think it is in the 6.20 - 6.28% range. But you know our govt is very good in keeping some $ aside for the just in case.

Hope to see 6.2X% in Feb.

I thought I read a newspaper report that the overall performance of those who used EPF money for UT investments did not do well (they withdrew too early? Bought the wrong UT? Etc).

Now EPF is encouraging people to use EPF $ to invest in UT? Does not add up.

Yes, I know EPF has too much $ to look after. But ...

Sorry for the confusion.

I know withdrawal from EPF for UT investment was started many years ago (I used it and luckily for me, I withdrew all UT back to EPF a year or 2 before the 2008 crash).

I thought now EPF allows a bigger amount for UT investment. And thus the irrational logic behind it.

Cheerio.

Good and happy for you...(what made you made "see" to decide to withdraw before 2008?)

==> I have a crystal ball! Ha. Our economy cycle was at every 8-10 years and thus looking at the crash in 1998, add 8 years, then the year. Yes, I got out a bit too early as the prices went further up. But the volatility got better of me and decided to cash in. No regret for my decision.

Note that I used "was" for the cycle. I think the cycle is shorter now. So don't use that as the fixed yardstick.


most people would say otherwise

==> May be I read it wrongly then.

Cheerio.

I assume you are referring to the announcement for 2013 EPF dividend, right?

It was announced on 17 Feb 2013 for 2012.

Surprisingly, EPF has already closed its 2014 statement access about a week or 2 ago. I think that is for the 2013 dividend calculations etc.

My guess is early to mid Feb for the %.

Cheerio.

That was announced in June 2013, maybe reflecting on the poor return for Q1 2013. However, Q2 and Q3 2013 have the highest respective Q earnings to date! Hoping that Q4 2103 will also be another record. Then I expect 6.20 - 6.28% for 2013. Keep my fingers crossed. Ha.

I thought there is a limit of RM60K pa for self contribution. No?

Wah, I am impressed. You really are very resourceful and knowledgeable on EPF dividends!

Cheerio.

I think they calculate the interest for each month.

Try that and see if the monthly interests add up to their stated value.

Mine does.

Cheerio.

EPF quarterly earnings & total

2013__5.6__9.2___10.1__10.13____35 billions
2014_______10.4__10.3__________21 billions

Pretty sure that Q1 14 was better than Q1 13.

Based on the numbers above, EPF 2014 % should be better than 2013's.

But, I expect around 5.2% for 2014 (major portion will be carried forward to 2015 as the economy is slowing down now).

Cheerio.

I hope you are right. Don't mind losing on my prediction. Ha.

Check your EPF online now!

Dividend for 2014 is in there now!

If my calculation is correct, it is 6.716%!

Noted and thanks.

Stated at the bottom of 2014 statement that it is 6.75% BAGUS!

Call me a cynic, I have my concern on EPF's proposal to extend the withdrawal age to 60.

Need to know how many % of EPF contributors will be turning 55 in the next :
a. 5 years
b. 10 years
c. 15 years

Please share if you know or have seen the data some where. Thanks.

A similar problem here as in the US with their baby boomers reaching their retirement age in the next 5-10 years?

My 2 cents food for thought.

Thanks. Looked up the annual report. Yes, no sudden jump in those turning 55 in the next 15 yrs. So, nothing like the baby boomers problem in the US.

Cheerio.

I may be wrong here with my analysis.

I take it that ASBX follow the Islamic rules in their investment and they give higher dividend rates than ASX (come to think of it, ASX also follow Islamic rules but with lower dividend rates). Different degree of Islamic?

If I remember correctly, I thought I saw EPF or ASNB as one of the major shareholders for BAT (or some company along that line). ???

Tell me, tell me please.

Just tell me the "***" will do.

I really wonder why BNM wants to pull out.

Too much work, instruction from above, no point in sitting there while decisions are made without his/her consent, God knows what, etc

If this is what I think it is, we are doing down to the 7th hell (opposite to the 7th heaven).

EPF as well? Hope PR can do something to stop this.

Wah, you are very good in describing things. I like it!

To be fair to EPF, from what I read, that RM 1.7 b was investment in 2 companies before they were bought over by 1MDB.

And EPF invested in the early years before 1MBD came to the scene.

Hope no more of these surprises.

Cheerio.