Invest Made Easy
EPF Dividend for 2012, Big or Small Ang Pow??
Shane My
Publish date: Sun, 03 Feb 2013, 08:40 AM
Shane My
0 271
Like many of us, we seek for financial security and ultimately financial freedom. This blog is intended to act as a journal of investment as I journey towards that dream. At the same time, I hope that the articles written here would also benefit many others who share the same vision as me.
Apart from looking forward to the Chinese New Year festivities, the month of February is also a month where we anticipate the announcement of 2012 EPF Dividend!
For the record, the 2010 EPF dividend distribution was declared on 21st of Feb 2011 while 2011 dividend distribution was declared on 19th of Feb 2012. Therefore, it is highly likely that 2012 EPF dividend distribution announcement should also fall between those dates.
For income earners, people who we say "makan gaji", they tend to place some importance in knowing the EPF dividend payout. The higher the dividend declaration, the more money for retirement!
Now, to give a speculated projected prediction, we first take a look at EPF's performance for 2010, 2011 and 2012:
|
EPF’s GROSS INVESTMENT INCOME |
|||
|
|
2010 (RM, billion) |
2011 (RM, billion) |
2012 (RM, billion) |
|
Quarter 1 |
5.55 |
6.53 |
7.74 |
|
Quarter 2 |
5.93 |
6.75 |
7.66 |
|
Quarter 3 |
5.75 |
6.80 |
7.02 |
|
Quarter 4 |
6.83 |
7.16 |
? |
|
Total |
24.06 |
27.24 |
? |
Predicting Quarter 4 and Total performance of EPF for 2012
Based on the previous table, we can establish a relative percentage income growth between 2010 with 2011 and 2011 with 2012 as shown below:
|
|
2010 (RM, billion) |
2011 (RM, billion) |
% increase 2010 to 2011 |
2012 (RM, billion) |
% increase 2011 to 2012 |
|
Quarter 1 |
5.55 |
6.53 |
+17.66% |
7.74 |
+18.53% |
|
Quarter 2 |
5.93 |
6.75 |
+13.83% |
7.66 |
+13.48% |
|
Quarter 3 |
5.75 |
6.80 |
+18.26% |
7.02 |
+3.24% |
|
Quarter 4 |
6.83 |
7.16 |
+4.83% |
? |
? |
|
Total |
24.06 |
27.24 |
13.21% |
? |
? |
Key Observation
- For Quarter 1 and Quarter 2, the % increase of income have been consistent for the past 2 years.
- For Quarter 3, the income growth between 2010-2011 is 18.26%, yet between 2011-2012 the growth is only 3.24%. The difficulty in bringing consistent high returns was mentioned by Tan Sri Azlan Zainol, CEO of EPF during the 2012 Quarter 3 announcement
Continue reading EPF Dividend for 2012, Big or Small Angpow??....HERE
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Discussions
Be the first to like this. Showing 10 of 10 comments
hopefullu higher dividend then...am no expert in share trading...so the experts can comment here. fyi, in 2011 almost 50% of epf portfolio is invested in equities. 2012 should be the same. :-)
2013-02-03 12:40
Base on what is coming soon, but not on last year's performance, the dividend will be generous.
2013-02-03 13:06
Probably more than 6% this time for additional feel good factor for coming election.
2013-02-03 18:34
I tot EPF will keep more capital for lending money to those 1st-time default-potential house purchaser?
2013-02-03 22:30
One of the best dividend payment in history, tax free and risk-free. Election coming. That is why one should leave his money in EPF. There may be just one problem, not sure if it is real or imaginary. If the same government continue to rule with the blatant corruption even for another term, the money left in EPF may not be there anymore when one wants to withdraw it later.
2013-02-17 18:44
If give 10%, so what?? can see cannot take unless ur age 50 & 55...for sure gomen will change policy increase age 55 withdrawal to age 60 if BN continue become gomen...gv u 6.15% but u pay back via AES, GST, etc.. at the end if the days...get nothing
2013-02-17 20:04
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This book is the result of the author's many years of experience and observation throughout his 26 years in the stockbroking industry. It was written for general public to learn to invest based on facts and not on fantasies or hearsay....
Bruce88
Based on KLCI performance, Y2012 is better than Y2011, as such EPF should be positive for Y2012.
2013-02-03 11:24