Kumpulan Wang Persaraan Malaysia (Employees Provident Fund)
EPF statute promises to pay their clients minimum 2.5%EPF Dividend History
1952 - 1959 = 2.50%
1960 - 1962 = 4.00%
1963 =5.00%
1964 =5.25%
1965 - 1967 =5.50%
1968 - 1970 =5.75%
1971 = 5.80%
1972 - 1973 = 5.85%
1974 - 1975 = 6.60%
1976 - 1978 = 7.00%
1979 = 7.25%
1980 - 1982 = 8.00%
1983 - 1986 = 8.50%
1987 - 1994 = 8.00%
1995 = 7.50%
1996 = 7.70%
1997 - 1998 = 6.70%
1999 = 6.84%
2000 = 6.00%
2001 = 5.00%
2002 = 4.25%
2003 = 4.50%
2004 = 4.75%
2005 = 5.00%
2006 = 5.15%
2007 = 5.80%
From a tabulation table, basic minimum is shown below.
Call me old school, but I would still advise that everyone to keep the invesment intact, since it is for your future. While EPF protecting the principal and minimum distributions of 2.5% you would never miss a thing. If you need to invest or purchase anything, set up another fund.(This is simple article just to share records of EPF distributions for reference)
3 comments:
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Ok, this one is about ur EPF and with recent developments, employees are now relaxed with for many type of withdrawals.
Be it to purchase (invest) into unit trust, withdrawal for house payment, tertiary education and was once to purchase for computer.
Hence, I do believe - since the purpose of EPF for our future, we must not at any time risk it to do anything else.
We know that EPF doesnt distribute much as their dividend, but unlike other investment, EPF has committed to pay minimum 2.5% as its dividend every year.
Not only your principal keep intact, but you are at least know that you are having 2.5% returns and both regarded to be safe (from price appreciation, taxation)
One may argue that it is may be well below inflation rate - but we must also insert another calculation.
1. Yearly taxation reduced by the amount of RM6000 (which may vary from 3% (RM180) to 26% (RM1560) - tax bracket saving)
2. Compounded interest. I cannot discuss this, since i am not with my "calculator". If required, i can put it here later.
But, at the end of discussion should be a summary that may read:
"EPF is your money, the hell i care with what you want to do with it!"
So long, hope that you'll have some good financial planning.
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