Yeah,... but no choice-lar back then,...it was all abt cronyism,... prb is today, things are changing, will our EPF dividend be affected next February ?

How low we talking about here

That's right - won't be lower than 2.5%.

In SG's CPF :-

1) Ordinary Acct - won't be lower than 2.5%.

2) Special Acct - won;t be lower than 4.0%.

Short-term pains are needed for long term gains. Short-term pains will be felt by this generation, and perhaps the next, but the following generation after that will (most probably) enjoy the fruits of this election,... the issue is : how do we, in this generation are going to overcome the current pain.....

We share in the fruits of the neighboring successful gov't.... 

I don't think the new gov't will just let all the big institutions move out of the country, and secondly,.. I think our institutions will not be brave and intelligent enough to invest outside,... the quality of our people is not there yet.

That's gonne be a huge shock.

You took my words wrongly.

In order the gov to stimulate or increase the dividend the gov need to spend more which for current the situation Malaysia is highly in debt

So to ease the burden introducing new tax scheme is a one of solution.

4% is fair enough in current situation dont hopeful so much

We need to help together for better Malaysia

Its a retirement fund. Those who save RM1 or RM1,000,000 must get the same dividend as practiced all this while.

If this bloody tiered div issue is really pushed fwd, then I would say those who save more should get more dividends, same as our income tax structure where the more you earn, you pay more income tax at a higher bracket. Then only it is fair and square.

The poor are already getting cash handouts from the govt and they don't even need to pay income tax.

And its wrong to generalize that contributors with >RM1 mil in EPF has other millions elsewhere. These are ppl who work and save hard all their working lives. And its wrong to generalize that ppl with lesser amounts in EPF are poor when their other funds could be parked elsewhere (UT, ASB, KWAP, PRS...etc). Poor folks can also invest in shares, albeit at a smaller scale.
Everyone is responsible to earn his own living and make his own way in life.

Leave the EPF as it is.