Unless he proposed an amendment during the bajet debat then they can change and amend during then but for now what is proposed is already set in stone

To make those changes EPF Act have to be amended hence more headache now because the time is tight for PMX doing things with 3 months to spare 🤦‍♀️

Any changes relating to withdrawal and contribution has to be amended under EPF Act unlike PM8 who abuses the Act with the cover of emergency powers hence the Act is for 🤦‍♀️

There is under contribution whereby anything above statuary rate of rm1 is covered under the Act which is self contribution and those who opted above statuary rate 🤦‍♀️

Covid special withdrawals come under Emergency Act hence PM8 abuses power when doing that by using MCO

That is why Anwar is not doing any changes because he knows any structural changes has to go through amendment of an Act which is he trying to reduce it unless it is necessary like the govt procurement Act amendment which is upcoming soon

Not confirmed until bajet passed and amend the EPF act 🤦‍♀️

I-Saraan will stay the same amount contribution as previous years

Only thing you need to wait for bajet is the amount changes which has to be passed and amend the act as well

No need to wait for bajet unless the amount increase or decrease 🤦‍♀️

Nothing to do with specialist fund manager 🤦‍♀️ as it would cost more instead 🤦‍♀️

Shariah needs to split out and manage by a new statuary board which will comprise Shariah trustee and advisor hence cost savings rather currently paying outside advisors money



Nothing brilliant in the 1st place 🤦‍♀️ He is just doing it legally based upon EPF Act unlike PM8 and Zafool whose is doing everything without proper procedure in the 1st place

Unlikely to have tier this year 🤦‍♀️

After the run the Shariah is out to another seperate board next year then it might have tiers because it easier and cleaner to segragrate then

Not my fav answer 🤦‍♀️

But if tier dividends happening there is amendment is needed to be passed because it is affecting guaranteed minimum 2.5% for conventional

Even I have my doubts about them running a separate Shariah division now because the EPF Act is so convulsed with Shariah and Conventional sections

That is why better for EPF to wipe their hands clean and transfer the Shariah to some Islamic statutory board and let manage either PNB or LTH instead of EPF bearing the expenses and added costs yearly 🤦‍♀️

Don’t talk about it because even luxury tax also cannot define properly yet wanna implement next year 🤦‍♀️

If they wanna do it will take at least 3 years for it to because it will take it finetuned and studies 1st then only amendment which gonna drag

No need to be prepared mentally as it is out of your control 🤦‍♀️

You better off learn to control things that you can like earning more money instead

Why restrict yourself when there is endless opportunities anywhere 🤦‍♀️

Tier dividends would because it will impact the govt bajet bottomline for development funds 🤦‍♀️

All these tier dividends are fishing expedition for vote comes near elections as always

In fact not saving because of back office calculations which involves more work

Remember those who are crying are T20s because they missed out more on the compounding returns 🤦‍♀️

Won’t have impact because there is a fixed for allocation for MGS 🤦‍♀️

Not related because EPF has fixed allocation on MGS

Which is why when any special withdrawals is happening they have to liquidate the other 50% only and not touch 50% fixed income

Nothing to do with strong or 60k yearly 🤦‍♀️

It is only doing because of RM depreciation from the foreign holdings that they bought since 2013 when they started investing overseas

Out of 60k what impact do you think when only 37% of it performing and getting 9.27% return last year while the rest is stagnant 🤦‍♀️

The fund size doesn’t change because employers and members are still contributing since all economy sectors has been reopened fully since late 2021 🤦‍♀️

More money doesn’t better for EPF in fact worse because they will take lesser risks and not nimble when the fund is getting bigger hence missed opportunities 🤦‍♀️

That is why smaller caps always outperform because able to take risks

Read properly did I say otherwise 🤦‍♀️

60k will not make any difference YoY unless it has been compounded for more than 10years

Bigger doesn’t mean better because they would not take more risks to invest and lose the money 🤦‍♀️

More money to invest to risky markets and explore new markets will cost more hence EPF would not do that 🤦‍♀️

Go take a look at yourself does EPF buy into new companies IPO in the 1st as they will never do that 🤦‍♀️ even investing local startups is now only forced upon by PMX in the latest bajet

You are just turning your head upside and go read about small caps vs big caps 🤦‍♀️

Nonsense when smaller caps take more risks than bigger caps because bigger means more losses if things go wrong and they cannot take the losses as it will impact the fund size 🤦‍♀️

EPF never do startups or IPOs because the risks incurred in their fund 🤦‍♀️ and most their foreign holdings are in REITs as the biggest holding is the biggest shopping centre in Poland 🤦‍♀️ you should do more research instead of insinuating and starting rumours like your so called non existent source 🤦‍♀️

EPF is big cap fund 🤦‍♀️ and remember their mandate is for social responsibility hence risk averse 🤦‍♀️

Seriously you should study their SAA strategy before starting up rumours on as their AA is clear guided by their mandate and there is no major deviation in place unlike other statuary investment board like Khazanah which are able to take risks

With the current BNM Governor in place it will gonna get worst for RM so it might double edge sword 🤦‍♀️

Just put it bare minimum and invest the best currency stocks now 👏