CONGRATULATIONS!

thanks   how about u? 

managed to top up ASM with RM1,300...

now no more bullets to top up..

EPF to declare 6.75% dividend for 2014, highest since 1999, says source

what a waste of time putting my epf money in as1m. I am not going to invest in as1m anymore through epf account 1, rathet wait for the right moment to enter UT

In the past, AS1M has been better than EPF in dividend %. For the first time, this EPF is now 0.15% better.

I would not worry too much on this as the difference is small, EPF may go back to its old trend (lower than AS1M) and they are both better than FD!

If it is using EPF $ to buy FD, then it is another story! Ha.

Cheer up!

I'm quite surprised EPF outperform ASx for 2014..

and it's more easier to "top-up" than ASx 

Me too. In fact, shocked rather than just surprised. I thought it would be 5.25% considering the coming gloomy economy in 2015/16. Though EPF has done well in 2014, I thought it would be saving some money for future dividends. But I was wrong.

Prior to 2014, ASX have always done better than EPF and I was planning to shift some EPF money to ASX. But 2014 result, though it is good, throws my plan into the drain. Ha.

One thing at the back of my mind is, EPF reports RM x billions. Are these $ on paper or real assets (not inflated assets)? Who is auditor for EPF? Stupid question, cannot trust 100% even in  international auditors now.

Taking my family out for a good dinner tonight. Courtesy of EPF! Ha.

Cheerio.

I guess I'm one of the very few who's very worried about EPF's high dividend distribution. Mainly because EPF's mandate for equity should not exceed 45% of the VOF and MGS are yielding next to nothing. Everyone knows that KLCI had negative returns FY2014

==> Yes, looking at the 2 points (start and end). KLCI went down in 2014. But for those who traded during the year, instead of just buy and hold, EPF could still have made some money. If you looked at the buy-sell data from KLCI, EPF is one of the most active guys there. I am sure there are UT out there which made some money despite the negative KLCI.

Furthermore, EPF also traded in foreign shares. E.g. Alibaba which it has made a handsome profit. Don't know whether it is paper profit i.e. whether EPF has sold that shares or not.


EPF is supposed to be conservative in terms of its investment outlook and when it starts to performing better than equity heavy growth funds, I'm getting scared. How do you get returns that doubles MGS in a year when the local stock market had about -10% returns? I hope that they're not delving into some weird derivatives or options or futures thingy because like me, 99.99999% of Malaysians rely on EPF for retirement.

==> Scare me as well if they ventured into things like derivatives, options, etc. I hope they do not, considering the nature of their mission. If someone knows otherwise, please share here.

Then again, maybe it's just me.

I have not checked to verify but most of my friends r telling me EPF's benchmark for dividend is Tabung Haji's dividend.

If this's true then it's not entirely look at EPF's performance.

what a waste of time putting my epf money in as1m. I am not going to invest in as1m anymore through epf account 1, rathet wait for the right moment to enter UT