Mengoptimunkan Simpanan KWSP

amirul_nazri

Island Red Cafe dh bongkosss...lg mau invest.....
Mas916 Post at 7-3-2010 07:25

dah dia bukak kat pulau...mmg la bungkus..

yus262

41# Mas916

oo, ade undian ke?tak tahu pulak...

saya pun sebenarnya tak setuju jugak dgn 5.65% tu sebab agak rendah, sebab tu saya ambik pendekatan keluarkan akaun 1 setiap 3 bulan...sekarang dah berkembang dgn pesatnya...hahahah

Mas916

44# yus262

ader undian pada hari epf annouce bonus....

apalah yus ni sekejap ok..sekejap tak setuju...
otak seminit sungguh......

amirul_nazri

i pon tak setuju. kalau setakat 5.65% tak banyak beza pun dengan tahun-tahun lepas malah Tabung Haji pun boleh bagi 5%.


i think the dividen of EPF should be more than 5.65%. it's because EPF got ...
masnina Post at 7-3-2010 18:02

apa taknya...byk capital di salurkan ke gomen utk support project RMK dan ntah apa2..

yusrin

31# mlanorock
mlanorock,
ko tk jawab lagi soklan yus tu
btl ke asd tk ikut syariah?
setau akupun asdlah yg ikut syariah?
dh byk aku labur kt situ......

kabukiman

i pon tak setuju. kalau setakat 5.65% tak banyak beza pun dengan tahun-tahun lepas malah Tabung Haji pun boleh bagi 5%.


i think the dividen of EPF should be more than 5.65%. it's because EPF got CONSISTENT earning for EVERY MONTH. not every year ok. epf bukan akaun simpanan biasa yg kadang2 boleh culas menyimpan, tetapi akaun yg wajib dipotong 23% daripada salary rakyat jelata SETIAP BULAN. bayangkan rakyat malaysia ni ada berapa juta yg bekerja?? so should be mereka boleh roll duit persaraan rakyat jelata untuk pelaburan yang besar. kalau setakat tak banyak beza dengan TH, bagi i sikit je la tu.just my 2 centmasnina Post at 7-3-2010 18:02

cik kak.. duit pencarum masuk tuh bukan earning......

putragold

Bersyukur jer lar 5.65%, lebih baik dari FD dan lebih BAIK dari fund UT yg rugi sampai 2-3 tahun return negatip

Duit pencarum masuk setiap bulan tu bukannya pendapatan epf. Lain lar skim piramid@cepatkaya, duit yg masuk kemudian adalah pendapatan pelabur.

amirul_nazri

Bersyukur jer lar 5.65%, lebih baik dari FD dan lebih BAIK dari fund UT yg rugi sampai 2-3 tahun return negatip

Duit pencarum masuk setiap bulan tu bukannya pendapatan epf. Lain lar skim pira ...
putragold Post at 8-3-2010 09:56

dgn 5.65%...boleh ker counter back inflasi kalau2 every year within this range sahaja..??

At least, EPF should set the same return like ASB

amirul_nazri

selalu dengar mcm tu
masnina Post at 8-3-2010 20:21

PTPN pinjam duit EPF..each RMK sedut EPF..value cap last time pun sedut EPF..fuhhh

yg penting bila time aku nak pakai dah sampai..duit aku mesti dh beranak..

putragold

dgn 5.65%...boleh ker counter back inflasi kalau2 every year within this range sahaja..??

At least, EPF should set the same return like ASB
amirul_nazri Post at 9-3-2010 16:26

Boleh atas inisiatif sendiri dgn keluarkan sedikit berterusan masuk ke UT fund yg bagi return macam ASB. ASD, ASW ke atau kalau sanggup tanggung risiko yg lebih tinggi, PM, CIMB UT. EPF memang takleh bagi lebih sebab tu dia suruh kita invest kat tempat lain tapi masih ramai yg tak paham kesan inflasi terhadap simpanan epf mereka. Kalau lar mereka tau, bro perwaris akan bertambah sibuk lar lagi

Mas916

54# putragold

ble xplain sket....

"kesan inflasi terhadap simpanan epf mereka."

putragold

54# putragold  

ble xplain sket....

"kesan inflasi terhadap simpanan epf mereka."
Mas916 Post at 10-3-2010 07:21

sket jer boleh ler.

tau tak apa itu inflasi?
peningkatan berterusan dalam tingkat harga umum barangan dan perkhidmatan

bagaimana inflasi diukur?
Inflasi diukur melalui Indeks Harga Pengguna (IHP) atau Consumer Price Index (CPI)

mengapa return dari saving/investment mesti lebih besar dari inflasi?
sebab kita nak untung, bukannya rugi.

Simpan diepf sampai pencen tapi return setiap tahun sama dengan kadar inflasi - Break even/tak rugi tak untung, buang masa

Simpan diepf sampai pencen tapi return setiap tahun kurang daripada kadar inflasi - RUGI
Simpan diepf sampai pencen tapi return setiap tahun lebih daripada kadar inflasi - UNTUNG

ref : http://www.tradingeconomics.com/ ... CPI.aspx?Symbol=MYR

amirul_nazri

54# putragold  

ble xplain sket....

"kesan inflasi terhadap simpanan epf mereka."
Mas916 Post at 10-3-2010 07:21

  500K duit epf ko  skang tak sama real valuenya dgn 500K akan dtg...tgk jer la harga barg2..

mytrade

Post Last Edit by putragold at 10-3-2010 09:01



sket jer boleh ler.

tau tak apa itu inflasi?
peningkatan berterusan dalam tingkat harga umum barangan dan perkhidmatan

bagaimana inflasi  ...
putragold Post at 10-3-2010 08:53

tocey..tocey.....
klu inflasi 5 % EPF kasi 5%.....jadinya duit nanti tinggal pokok jer la...5% dapat buah pastu 5% cover baja dan racun...

yus262

58# mytrade

jadi kadar inflasi berapa ye last year?nak jugak compare ngan dividen kwsp bagi nie, worth ke tak ye?

bakrii

info pasal mlm    http://www.mlm-malaysia.info/

amirul_nazri

58# mytrade

jadi kadar inflasi berapa ye last year?nak jugak compare ngan dividen kwsp bagi nie, worth ke tak ye?
yus262 Post at 11-3-2010 18:55

aku pun tak ingat berapa..tp kalau nak check fakta, boleh rujuk BNM website...worth atau tak, kurang tepat kalau kita compare dr segi figures shj. Lebih elok kalau kita buat comparison dr segi expenses (total komitment) vs net income (termasuk return of investment)...

just my 2 cents

Mas916

terima atas penerangan.

cmf_LAT

about two weeks ago ada satu article dlm the star saturday..
dia cakap, average epf return for the last 5 years is 5% a year
dan average inflation rate pulak is 3.33%
so net return from epf is actually 1.7% saje sethn.
lebih kurang cam gitu lee ceritenye..

cmf_LAT

ok, dah jumpa itu article
The Star, 13 march 2010
harap dpt beri sedikit panduan


Are EPF savings alone enough?
By EUGENE MAHALINGAM



[email protected]

Invest ahead to generate extra money after retirement.

WHEN I was growing up, I aspired to join the Government. The main reason so was that I could be eligible for a pension scheme. This came from the fact that my parents were both civil servants and they got to enjoy the benefits of a pension when they retired. They still do.

While it’s not much, it’s comforting for them that at their age, they would continue to have an income for as long as they lived. I wanted to be able to look forward to that as well.

Alas, fate – or was it free will? – had a hand to play in my career choice and I ended up taking a job in the private sector. Seeing as I’m having fun doing what I do, I don’t see myself switching careers any time soon. So there goes my plan of getting a pension.

Time to switch to Plan B, namely, the Employees Provident Fund (EPF). It is intended to help employees from both private and non-pensionable public sectors save a fraction of their salaries in a contribution scheme. The contributions are invested to generate income and the funds in the contributors’ accounts are to be used in the event that the employee is temporarily or no longer fit to work.

It primarily applies to retirement, but sickness, disabilities or unemployment are also covered. The EPF also provides a framework for employers to meet their obligations to employees.

As a retirement plan, money accumulated in EPF savings can only be withdrawn when members turn 50, during which they may withdraw only 30% of their balance. Members who are 55 or older may withdraw the entire sum.

Recently, the EPF board declared a dividend of 5.65% for the financial year ended Dec 31, 2009, up 115 basis points over the 4.5% paid for 2008.

According to Fundsupermart.com Malaysia, over the past five years, EPF has been distributing an average annual dividend of 5%. The average real dividend rate for the past five years was 1.7%, after reflecting an average inflation rate of 3.4%.

With that, the important question to ask is: Will the savings from our EPF be enough to sustain us in our retirement years?

Expert advice

In his Personal Investing column, “Enough money for retirement?” last year, MRR Consulting investment adviser and managing partner Ooi Kok Hwa says as the average Malaysian lived to about 75, those who retire at 55 would need to manage their EPF savings for 20 years. But most retirees spend all their EPF money within three years of retirement, he claims.

Ooi provides a breakdown of how a retiree can manage his EPF savings for 20 years.

“We will assume a starting pay of RM1,500, growing at the rate of 8% per annum; an average bonus of two months per annum, average EPF returns of 5%, total EPF contribution of 23% (employer: 12%, employee: 11%) and inflation rate of 3%.

“Our analysis shows that if we are able to live with just one-third (or 33%) of our last drawn salary, the EPF money should be able to support us for 20 years until we pass away at 75.”

According to Ooi, if a person’s last drawn salary is RM13,976 at 55, he can only afford to spend one-third or RM4,612 per month after retirement (1/3 x RM13,976).

He stresses, however, that the computation was based on the assumption that a person would still be able to generate 5% returns after retirement.

“Everyone has different financial situations. If possible, we need to build our own investment portfolio apart from the EPF savings. We may need to seek some part-time jobs after retirement if our financial resources do not permit us to stop working,” he wrote.

“Besides, we need to clear all our outstanding debts before retirement. We also need to buy enough life and medical insurance for ourselves as well as set up education funds for our children.”

Financial planner Wilson Low says a person who’s concerned about his or her future financial well-being has one clear option – invest.

“Anyone who’s worried about not having enough money in their old age should do something about it, to make sure that you do have money to sustain you when you’re old and not working any more,” he adds.

“The obvious thing to do is to invest in something that can help generate an income for you when you’re older. There are various investment avenues out there and with proper planning and research, financial independence is not an impossibility.”

What some have done

Rita (not her real name), is a retired nurse. After working for the Government for 30 years, she worked in the private sector for a further nine years because she needed the money.

However, she admits that without her pension, it would be difficult to make ends meet. “There are things like your children’s education or repairs to the house that you need to think about. Without the pension, the EPF definitely would not be enough.”

Rita adds that as a former civil servant, she will always be eligible for free treatment at government hospitals. “This is especially important since most medical expenses will come up as one gets older,” she says.

Rita adds that EPF also used to declare higher dividends, between 6% and 7% in the 1990s.

Kamala (not her real name) was a former employee of the Rubber Research Institute of Malaysia. A Government-based organisation initially, it was privatised in the 1990s and its employees were asked to chose either a pension or EPF scheme as a retirement option.

Kamala chose the EPF scheme, a decision she claims she regrets. “The money finished quickly as I had many financial obligations like my children’s education and housing loan. I also had to undergo an expensive operation, the cost of which would not have been an issue if I were a civil servant.”

She is however thankful that today, her children have all grown up and give her husband and her money on a monthly basis. “We have also invested our money in property. So financially we are all right.”

Meanwhile, Kong, an information technology executive in his early 40s, says he spends about RM4,000 a month on household expenses, his children’s education and an outstanding home and car loan, among other financial obligations.

“I’m spending so much every month that I hardly have enough to save. Fortunately my wife is also contributing. After 55, it’s definitely not going to be easy. I’ll probably have to continue working until my kids can support themselves,” he adds.