Will epf dividend affected by akaun 3?
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 Apr 19 2024, 09:04 AM
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Junior Member
603 posts Joined: Dec 2011 From: shah alam  
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QUOTE(Mixo Mania @ Apr 19 2024, 08:54 AM)  Majority of people utilizing account 3 will be B40 and M40. As you can see the chart the T20 is holding 82% of the EPF money, and these group are the least likely to withdraw. Furthermore Account 1 allocation has increase from 70% to 75% of contribution. So increase of 5% from account 1 gives epf more long term secure cash to cover the unpredictability of the account 3 which is most likely will be used by 18% of their total funds anyway.  |
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Apr 19 2024, 09:05 AM
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Senior Member
1,374 posts Joined: Feb 2016 From: Milky Way
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QUOTE(Zaryl @ Apr 19 2024, 09:00 AM) TIERED dividend je lah Then expect T20 with over a million will immediately withdrawn amounts over a million and take it out of the country.Oh wai- |
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Apr 19 2024, 09:06 AM
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Senior Member
4,707 posts Joined: May 2008 
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QUOTE(porselinaheart @ Apr 19 2024, 08:59 AM) Would it though? As i understand it investment is done with funds from account 1 which will get a higher allocation of ur deposit (75%) vs the current 70% can ignore the complex mathI'm not sure how much account 2 plays a part in the bloc of funds that EPF uses for investment so I may be wrong. u just imagine whenever acc3 start ..kwsp every month will have potential up to 10% "monthly income" from contribution get withdraw by ppl acc2 withdrawal u still need justification to do so bumping up acc1 to 75% is just lower down acc2 amount on 1 shot withdrawal This post has been edited by fantasy1989: Apr 19 2024, 09:07 AM |
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Apr 19 2024, 09:09 AM
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Junior Member
323 posts Joined: May 2020
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QUOTE(kcal @ Apr 19 2024, 08:42 AM) not really la. u think they have not made any calculation before implementing that? u think ppl dont withdraw money all this while under the pretext to offset the loan but actually use the money to go holiday or buying expensive toys? yes we know , but as u know that malaysia is just signapore kiasi kiasu level , if epf can explain those mechanism by end of april to ease ppl concern, if not it will keep questioning them until world war 3 kcal liked this post
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Apr 19 2024, 09:16 AM
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Senior Member
1,590 posts Joined: Sep 2011
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logically if the account 3 is like casa, you cannot use it for medium and high risk investment, so the dividend for this account should be lower.
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Apr 19 2024, 09:17 AM
Show posts by this member only | IPv6 | Post
#26
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Junior Member
460 posts Joined: Oct 2008
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If it's coming from new contribution, my short answer will be not be affected.
The reason is that any withdrawal will not be coming from existing investment where it will affect the return (EPF need to sell to fund the withdrawal). |
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Apr 19 2024, 09:18 AM
Show posts by this member only | IPv6 | Post
#27
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Junior Member
612 posts Joined: Feb 2009 From: Cheras, Kuala Lumpur 
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Heard that we can transfer 1/3 from account 2 to account 3??
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Apr 19 2024, 09:21 AM
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Junior Member
603 posts Joined: Dec 2011 From: shah alam
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QUOTE(Randomization @ Apr 19 2024, 09:17 AM) If it's coming from new contribution, my short answer will be not be affected. It means EPF is not all in hard cash eh? maybe they kept 10% cash onlyThe reason is that any withdrawal will not be coming from existing investment where it will affect the return (EPF need to sell to fund the withdrawal). oh waii |
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Apr 19 2024, 09:22 AM
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Junior Member
414 posts Joined: Jul 2006
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acc 3 only will start from new contribution or existing acc 1/2 also will split into acc 3?
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Apr 19 2024, 09:23 AM
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Junior Member
688 posts Joined: Jul 2010
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EPF's official has been confirm no impact of dividend performance.
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Apr 19 2024, 09:23 AM
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Junior Member
4 posts Joined: Mar 2019
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EPF dividend go down will be because of MOF/BNM asking EPF to bring back high returns and high yielding foreign investments back to Malaysia to support Ringgit.
Over past 10 years, the biggest returns for EPF came from foreign investments |
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Apr 19 2024, 09:24 AM
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Senior Member
3,843 posts Joined: Oct 2011
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QUOTE(giftfre @ Apr 19 2024, 09:23 AM) EPF's official has been confirm no impact of dividend performance. What else you expect them to say? |
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Apr 19 2024, 09:26 AM
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#33
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Junior Member
195 posts Joined: Oct 2020
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QUOTE(Gadget_Freak @ Apr 19 2024, 08:22 AM) acc 3 only will start from new contribution or existing acc 1/2 also will split into acc 3? technically, should start from 1/5/2024 because it’s announced on this date…unless la, need to further study, as it seems to be prevalent nowadays.. |
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Apr 19 2024, 09:27 AM
Show posts by this member only | IPv6 | Post
#34
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Junior Member
81 posts Joined: Feb 2019
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QUOTE(blmse92 @ Apr 19 2024, 09:04 AM) er wtf average savings for m40 is 28k only dafuq 50% of the total members are inactive. This unfortunately distort the data a lot. |
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Apr 19 2024, 09:30 AM
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Senior Member
2,487 posts Joined: Jul 2008
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QUOTE(kcal @ Apr 19 2024, 08:42 AM) not really la. u think they have not made any calculation before implementing that? u think ppl dont withdraw money all this while under the pretext to offset the loan but actually use the money to go holiday or buying expensive toys? Those that need the money won't have much in EPF.Those that have, won't bother. You can already see what happened from the last 3 withdrawals. That's the biggest damage already done. |
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Apr 19 2024, 09:31 AM
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Junior Member
480 posts Joined: Sep 2004
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Dividend will up. As Account 1 will be 75% increase from 70%.
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Apr 19 2024, 09:33 AM
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Junior Member
338 posts Joined: Mar 2017
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Thanks to the majority.
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