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Category: EPF
ABCs of Personal Finance

RM14.13 billions in voluntary contributions from 1.12 million EPF members. Have you done your part?

There’s one place where we have been getting returns of 5.5 percent or higher. Just look at the historical returns from our EPF since 2017. Yes, even before the COVID years. The below numbers are by far higher than our Fixed Deposit rates yeah. It’s also considered risk-free since EPF does not undertake risky investments simply for super high returns because it’s the money of the rakyat; us.

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silhouette of man holding flamethrower
EPF

Treat your people well! Pay their EPF contributions on time or else…

I could not understand why people like to owe money which is due to their employees. They work hard to help the company earn more money. Once upon a time, a friend (who’s definitely no longer a friend) also did the same to his employees. Sigh. I hope that friend has changed his ways and be good to his employees. They work for you, they help you earn more money, they give their time, effort and brain power to you.

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woman jumping wearing green backpack
ABCs of Personal Finance

Twin-WOW. Self-contribution is high, EPF dividend is high.

In my WhatsApp group, this was posted. I meant the image below showing EPF dividends over many years. I think the whole Malaysia, especially all the working people already know this happy news. When analysts say it is going to be higher than 6 percent for FY 2024, I already feel that it’s going to be over 6 percent. Final result? 6.3 percent. Below is the file shared in the WhatsApp group.

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two yellow flowers surrounded by rocks
EPF

EPF’s dividend is going to be quite a wow it seems

This piece of news did not come from me. The prediction must come from some analyst with lots of data which he / she could refer to in order to make such a prediction. I do not have such resources. How high is high and what is considered a wow? Well, FD rates are probably 3.5 percent. The potential EPF dividend rate is forecasted to be over 75 percent higher! That’s definitely a wow and worthy of a celebration, right? We cannot take out the money before we retire but it’s still our money. The more the merrier.

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a scrabble board with the word yield written on it
EPF

Experts: EPF dividend expected to be 6 percent for 2024

Even if the dividend percentage is the same as last year, it is close to double the fixed deposit rate. Thus, the chance is there for it to be higher than double? 🙂 It does seem to be so based on the reports after the announcement of the Q3 results for EPF. Another two positive projections and reasons are reported in NST. Both said that the rate would be between 5.7 to 6 percent. I would like to wish they are right and if possible for them to be wrong; their forecasts are lower than actual. 🙂 Read what they say below.

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