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ABCs of Personal Finance

Dividend announcement by EPF in 24+ hours!? What’s the expected rate going to be?

Yes, I am as curious as all the EPF members who’s waiting to know how much dividend they will get. Guessing game will end on Saturday it seems. Today, many media outlets are reporting that the announcement will be this Saturday. Saturday is 28th February 2026. Yes, that’s like 24 hours away from the time this article is posted. An image showing what these media outlets are saying is here:

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ABCs of Personal Finance

Beware! EPF savings is really not a lot when we do these calculations

When someone retires and realized they have hundreds of thousands in their EPF which is suddenly theirs to use, what do you think could happen? Well, they could spend it wisely and stretch it sufficiently to cover for the next 15-20 years of their retirement life. Or they could spend it very quickly to buy things which they could not afford previously. Or maybe they could be scammed by someone and lose it all too.

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ABCs of Property Investment

If my rental is lower than the mortgage, should I rent or buy?

Simple question does not mean an easy answer. However, we can start with the number of years which the mortgage could be stretched to, or from another perspective would be how young is the borrower. The younger, the better of course because the younger the borrower, the longer the mortgage could be stretched and thus the lower the monthly repayment could be.

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ABCs of Personal Finance

4.8 percent increase in salary for 2026, predicted. Did you get more?

Whatever number is forecasted, it’s usually an average. So, some people get higher (maybe they are in a more generous organization, maybe their skill is niche, maybe their industry is growing etc) and some people may get lower salary increase. (maybe the skills are too general, maybe they are in the wrong company, maybe the industry they are working is no longer growing). Some countries may have a lower number because their currency is already very strong, anything too high for just a few years will make them very uncompetitive in the long run.

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