It might bring klse <1000. Then everyone lose.

What I know...

The assets allocation...
Majority still in Malaysia especially in Bursa Malaysia....

Now foreign assets already above 50%???
Don't think gomen even allowed that to happen...

Probably around 30% to 40% of total assets is possible 🙏

Just as I speculated 😁

Malaysia asset is majority...

Yup...
Foreign asset $$$ is the one helping out...
Just look at ASMx... Foreign assets very minimal... Dividends also much lower...

EPF becoming cash cow for MGS 

higher self contribution limit... more subscription to MGS 

now more diversified investments assets   

some speculation going on saying the additional $$$ contribution limit for upcoming special withdrawals.... probably when the 6 states election time to fish votes 

imho... best way epf to retain $$$... at 55/>1mil give ppl 'epf debit' card... zero fee withdrawal at any atm... 'casa' @ >5% where can get... hahaha

i'm still worried about tiered dividend..I would like to topup for self contribution but if I put then suddenly next year kena tiered dividend I kinda "rugi" in a way that I can't easily take out my money that I put in/invested already...are you guys in a holding pattern playing wait-and-see if tiered dividend ends up coming our way or just go ahead and self-contribute regardless and worry later?

good points and make sense. yeah will likely just self-contribute then since wont go through so easily - thanks for sharing!

yes somebody needs to eat the cost... but drop in the ocean lah for epf...

can be managed as prepaid system... at risk only the wallet amount... or outsource or intergrate with say tng...

anyways not their mandate... and no need for us to solve a non existing problem...

y'all missing the big picture that i didn't care to explain earlier... hahaha

we know epf have to standby 20b every year for >50/55 mass exodus/withdrawal... so perhaps having a pseudo bank easy debit card/wallet scheme can retain some fraction of this 20b for reinvestment, this will generate extra income that can offset cost of running this scheme... and perhaps more div to us eventually... if wise can give 2 free atm withdrawals per month, and all the free ewallets abound... am sure epf can do too...

maybe just do like cpf tier system... giving older folks more div as incentive to keep $ longer there... but this goes against the robin hood tiering m40 wants...

but anyways, main issue is our own psychology... epf is a forbidden fruit for 30+ yrs can see cannot touch until 55... a lot of ppl will just grab when available... but as more and more ppl get financial savvy... it might become viable someday... but gov needs to fix the low wage problem first...

actually speaking...

those really have tat much amounts won't even lurkingaround in LYN forums

because they got PA / advisors for everything.... just call them. all info in hand... give orders only from chair / rooms

now we all have just "fake" T20 wannabe   

So you are saying all lyn formers won't have more than RM1M in their kwsp? 😂

Lyn forum especially finance and business section has a lot of valuable info, even for a multi millionaire.

Exactly, and those who are concerned about which account it comes from are the lesser sub-1M folks who need to watch out for every cent that can be squeezed out from their EPF accounts.

Politicians are of a different level and they have something much better, pensions.

Basically they also don't know when 🤣

one of my concern too.. worry bout the uninvited interference with hanky panky deals like 1mdb for example

Probably used the $$$ for projects bailouts...

Or forced to subscribe the unlimited MGS....

Unguaranteed loans??

This is new to me??

EPF giving out loans or what?
Backdoor underground dealing between GLC & EPF?
No assets by GLC to backed the loans right?

okay.

found one very interesting report...

it's linked to EPF & KWAP

https://c4center.org/wp-content/uploads/PFI-Report.pdf

Probably waiting for the right time to attack 😕

Slow & steady?  Malaysia style 😁

EPF really went deep.... That's really epic....

the real question is not what all these shenanigans are, but whether the loans were guaranteed or collateralized somehow. Usually Epf would require some form of gov guarantee...

the collaterals and guarantees are the key here.

got some 400k.available from hse loan account.. interest is 3.97% pa

bettter to withdraw and dump into epf and asm?

that's smart of EPF and PNB to think like that.