EPF DIVIDEND, EPF
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 Feb 10 2019, 08:21 AM
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#1
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Junior Member
202 posts Joined: Nov 2018 
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QUOTE(MNet @ Feb 10 2019, 01:06 AM) Lets hope the shariah pool will earn more than conventional pool. Why would you think that..My fund is Shariah btw. Anyway, I think for both should be around 5.5 max.  I just use ASB dividend as comparison..though I know both instruments have different investment allocations/portfolio. |
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Feb 16 2019, 01:52 PM
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#2
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Junior Member
202 posts Joined: Nov 2018
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Nice timing & opportunity. Will withdraw some of account 2 for buying my first house. 🙂
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Feb 19 2019, 07:24 PM
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#3
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Junior Member
202 posts Joined: Nov 2018
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EPF seem to be super effective. My withdrawal from account 2 (first house) has just been credited this evening. Applied last Thursday.
Dividend declaration & credited last weekend too. Good timing.🙂 |
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Feb 23 2020, 08:15 AM
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#4
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Junior Member
202 posts Joined: Nov 2018
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I regret converting to shariah last time, just started working & kinda 'forced' by parents. The compouding effect from the difference will be huge. Have to find extra ways to invest now.
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Feb 23 2020, 01:04 PM
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#5
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Junior Member
202 posts Joined: Nov 2018
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QUOTE(MNet @ Feb 23 2020, 09:47 AM) Don't feel regret, its just few points below non shariah compliance. Conventional returns will always trump over shariah, as they can invest in everything. And I've got at least 25 working years left.its for ur own goodness after life QUOTE(beLIEve @ Feb 23 2020, 10:36 AM) If you are a devout Muslim, nothing to regret. Think will lose quite a lot, at least 10% less total returns over 25 years. Good suggestion to dump extra money/bonuses into ASB. My ASB1 is full, so maybe ASB2 & the rest.Never really bothered with compounding effect unless the percentage is fixed. Do you really lose a lot by half a percentage a year? Alternatively you can dump some extra money into ASB 1 since EPF hasn't outperform ASB 1 historically. EPF also allow you to invest a portion of your deposit into unit trusts. Check under (I think) Investment tab. QUOTE(beLIEve @ Feb 23 2020, 12:27 PM) he said he wanted to find better investment to cover back the loss of dividend. True, been thinking about MIS/i-Invest. Thanks all.Speaking of which, he can also reroute his EPF money into ASB2, ASB3, and even ASM2 and ASM3, or other trust funds. |
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