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Thread: EPF 2016 dividend

  1. #91
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    jolly good...Not often, in fact rarer than the great eclipse, one gets to get own money back. So u must remember to vote uknowo :-)
    in luv with bikes...in lust with AphroditeS AWAS! Suspek is an Avid procurer to myths, lies, legends, folklores, i-ching, rumors, misinformation, cakap-ayam, spɹoʍ uʍop ǝpısdn puɐ˙˙DLL .
    p/s Take all the above with a XL salted duck egg, wash down with 2fingers of sodium hypochoride, and suck on to a pebble size tmn negara Rock salt

  2. #92
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    Quote Originally Posted by tupai View Post
    jolly good...Not often, in fact rarer than the great eclipse, one gets to get own money back. So u must remember to vote uknowo :-)
    Only if you are above 55. The younger suckers still have to wait, its only a number now

  3. #93
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    Quote Originally Posted by cskok8 View Post
    Only if you are above 55. The younger suckers still have to wait, its only a number now
    True and compounding dividends wont be cashed out until 55 or 60 or death, whichever comes first..and yet many younfg blur sotongs are voicing a 'spoilt vote' scenario...talk about spitting upwards to spite own mug face...
    in luv with bikes...in lust with AphroditeS AWAS! Suspek is an Avid procurer to myths, lies, legends, folklores, i-ching, rumors, misinformation, cakap-ayam, spɹoʍ uʍop ǝpısdn puɐ˙˙DLL .
    p/s Take all the above with a XL salted duck egg, wash down with 2fingers of sodium hypochoride, and suck on to a pebble size tmn negara Rock salt

  4. #94
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    Ai yoh... please. We must have some faith in the populations. 6.9% alone (or 6.4% for shariah EPF) is enough to convince a person sitting on the fence to vote for current government? If it was 8.8% maybe, but 6.9%? I don't think fence sitters are that naive.

    Having said that, one can now rest a bit better knowing that EPF as an organization is not that easily influenced by the government of the day. If not, one would expect to see a dividend rate that is way higher, such as 8.8%! 6.9% seriously is a big disappointment if that is the extend of the government's influence.

    ps: I am very disappointed at 6.9%. given that something like 40 to 50% of the aum in EPF was invested in equities globally, and 2017 was a super year for equities.

  5. #95
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    Quote Originally Posted by IanQ View Post

    Having said that, one can now rest a bit better knowing that EPF as an organization is not that easily influenced by the government of the day. If not, one would expect to see a dividend rate that is way higher, such as 8.8%! 6.9% seriously is a big disappointment if that is the extend of the government's influence.

    ps: I am very disappointed at 6.9%. given that something like 40 to 50% of the aum in EPF was invested in equities globally, and 2017 was a super year for equities.
    If only you knew just half the truth...
    in luv with bikes...in lust with AphroditeS AWAS! Suspek is an Avid procurer to myths, lies, legends, folklores, i-ching, rumors, misinformation, cakap-ayam, spɹoʍ uʍop ǝpısdn puɐ˙˙DLL .
    p/s Take all the above with a XL salted duck egg, wash down with 2fingers of sodium hypochoride, and suck on to a pebble size tmn negara Rock salt

  6. #96
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    EPF Building in Jalan Gasing on fire.
    " In the land of the blind the one-eyed-jack is king."

  7. #97
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    " In the land of the blind the one-eyed-jack is king."

  8. #98
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    6.9%.. Ok lah...

  9. #99
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    Quote Originally Posted by opulant View Post

    6.9%.. Ok lah...
    Here it goes...

    ...

  10. #100
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    Now that the return has sunk in and the rumor or conjecture about the fire at EPF building at PJ has subsided, I would like to ask a question.

    For those who can withdraw some or partial of your funds from EPF this year, would you do it if you have an alternative to invest the money elsewhere? I mean, in a election year EPF div is only 6.9%, I would hazard a guess that 2018 div will be worse than 6%, all things being equal.

    I for one will redeploy what I am allowed to next month.

  11. #101
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    I. for one , prefer to bake my chicken to lay golden eggs once I get my hand on my EPF withdrawal.

    The interest rate of 6.9% is not a great deal considering is like a public mutual fund that invests in stock exchange. But the small fishes contributors cannot decide to dump it or choose any other in other industries.

    If you have time, skill and knowledge investing yourself the portfolio of stock in the industry where you have worked all these years. With due diligence, you may have a windfall by picking a winner in the sector. Or investment on global indices would have outperformed the EPF which is safer.

    I am critical of EPF investments especially where it is directed by government either here UK or US.

    https://www.themalaysianinsight.com/s/35156/
    https://www.malaysiakini.com/news/397878
    https://www.thestar.com.my/news/nati...entures-stake/

    The other investment that should outperform EPF would be landed properties or even pigeon holes in strategic locations. Macro locations would be those in KL and Penang. But overseas investments of macro locations would be better like in where the Mainland Chinese are buying and will still be buying. Locations like South Philly to Brooklyn are safe bets where it would be unaffected. Just like what happened post-911 for Manhattan NY properties. While most properties decline after the event or during the subprime housing crisis, the prices keep going up and up till multi folds after just more than a decade.

    And for those who have the choice to withdraw at any time from EPF, you can keep stand still to deploy at anytime

    Anyway, these are just the cooking stories from Mean Olde Chef recipe. Caveat Emptor.....the chicken may be baked or burnt.....
    TASK - Trust, Attitude, Skill, Knowledge - Signatures of those who believe in excellence for any task entrusted to them - Alwin Tan @ all rights reserved
    [COLOR=Navy]Let's eat 2 taste in www.facebook.com/zinglicious or let's make MY home a better place with healthy views and tasty news in www.facebook.com/zingszangs

  12. #102
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    WOW !!... property investment advice in Manhattan, New York. !!

    Well... I think someone absolutely doesn't need to worry/concern/anxious about his Epf dividend rate because whether the rate is 2% or 10%, it won't make any difference. ..

    He certainly no need to feel critical also about Epf board i.e. how they invest/manage the Epf money because this is something beyond his knowledge and level of understanding..

    Take good care of health (although it seems a bit late) should be his first and main priority, and stop living in an imaginary world would be in good order for him...

  13. #103
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    Quote Originally Posted by IanQ View Post
    ....For those who can withdraw some or partial of your funds from EPF this year, would you do it if you have an alternative to invest the money elsewhere? I mean, in a election year EPF div is only 6.9%, I would hazard a guess that 2018 div will be worse than 6%, all things being equal.

    I for one will redeploy what I am allowed to next month.
    I have started thinking whether i should do partial withdrawal at early 40..

    Maybe I'm conservative or I'm not good in numbers, I found out if I look at the annualized return in 10 years interval, the ROI from property investment is just slightly better than Epf dividend, and the bonds that i afford to buy cannot outperform Epf.

    If I calculate annualized return in 20 years interval, Epf is as good as property investment or even better... and Epf is much better than bonds.

    Having said that, I think is good to hedge them into other instruments, not because of investment return but because of the risks of inside one basket..

  14. #104
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    Quote Originally Posted by opulant View Post
    WOW !!... property investment advice in Manhattan, New York. !!

    Well... I think someone absolutely doesn't need to worry/concern/anxious about his Epf dividend rate because whether the rate is 2% or 10%, it won't make any difference. ..

    He certainly no need to feel critical also about Epf board i.e. how they invest/manage the Epf money because this is something beyond his knowledge and level of understanding..

    Take good care of health (although it seems a bit late) should be his first and main priority, and stop living in an imaginary world would be in good order for him...
    .

    You remind me of someone day and night the way you post. i have clearly stated it is my cooking stories .
    But it is true I may be healthier than most peoplle in my age where my BP is constantly monitored before and after the ops. I am thank God that I am alive and kicking a fuss over the misunderstood intention of sharing point od views. Just lile TDM who have undergone 3 heart by pass where at his age he could fly around the seas and horse riding to kick some butts. He is healthier than many fellas of Hawaii five O.
    Anyway, i shall stop posting here since it is the thread started by you since you feel annoyances over my posting and cannot accept critics and concerns over the investment epf board. But i have the rights as a Rakyat to question where my rinngit in my EPF account goes either down south under or north BAtterseas. Hope i dun stress you up.
    TASK - Trust, Attitude, Skill, Knowledge - Signatures of those who believe in excellence for any task entrusted to them - Alwin Tan @ all rights reserved
    [COLOR=Navy]Let's eat 2 taste in www.facebook.com/zinglicious or let's make MY home a better place with healthy views and tasty news in www.facebook.com/zingszangs

  15. #105
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    a blur syt from an angmoh bank dare to propose this savings cum investment product to me, maybe she thought i cannot read and cannot count !!

    The conditions
    1. Initial yearly fresh fund is minimum 100k and the fresh fund needs to be injected for 5 years, i.e. 500k in total.
    2. The locked-in period is 10 years, i.e. the maturity of the investment is 10 years and premature withdrawal of invested money can subject to losses in principal amount.

    The guaranteed return
    a) 6% of the initial fund for the first 5 years, i.e. if 100k is the initial fund, the guaranteed return would be 6k every year for Year 1 to Year 5.
    b) 12% for next five years, i.e. if 100k is the initial fund, the guaranteed return would be 12k yearly for Year 6 to Year 10.
    Hence , the total guaranteed return will be 89k.

    The non-guaranteed return as projected would be between 2.1% to 6.5% based on their investment history but I am not interested on the non-guaranteed return. Projection/illustration of non-guaranteed return is as good as saying pig can fly !!

    I found the guaranteed return is real fxxx up after you do a simple maths. 89k over 500k is 18% in return rate and this is over a period of 10 years. The annualized return is a mere 1.8% !!

    Even Singapore CPF has better dividend that this amgmoh shit… Wtf

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