The Employees Provident Fund (EPF) today announced a six per cent dividend for the year ended Dec 31, 2011.

EPF Declares Decade-High Dividend Of 6.00 Per Cent For 2011

Record RM24.47b Dividend Payout on RM27.24b Gross Investment Income The Employees Provident Fund (EPF) Board, with the approval of the Minister of Finance, has declared a dividend rate of 6.00 per cent, the highest in the last 10 years, for the financial year ended 31 December 2011. The dividend rate, an increase of 20 basis points over the 5.80 per cent rate paid out in 2010, translates to a total of RM24.47 billion being distributed to its members.    Read the rest of the news here..  (Source : EPF News)

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On 19 August 2011, Permodalan Nasional Berhad (PNB) announced a 6.50 sen dividend per unit of Amanah Saham Wawasan 2020 (ASW 2020) for the year ending 31 August 2011. This year's dividend will be an increase of 0.15 sen per unit compared with the 6.35 sen dividend for 2010.

As a unitholder and participant through the Employees Provident Fund (EPF) members' investment scheme, I am happy with the return ;) ... at least it gives better return than EPF...


Have you invested / participated through the EPF members' investment scheme? If you have not, do read my earlier post ~ INVEST IN AMANAH SAHAM WAWASAN (ASW)

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Finally the moment we have been waiting for has come...
The Employees Provident Fund (EPF) has declared a dividend of 5.8 percent for 2010.

I was wrong...I predicted a return of 5.95% ~ read my earlier post on EPF dividend 2010 posted on 7 February 2011. It looks like the Quarter 4 Income was not that high as I expected i.e. RM5.50 billion.


Read the news from the Star online

EPF declares higher dividend of 5.8% for 2010

KUALA LUMPUR: The Employees Provident Fund (EPF) has declared a dividend of 5.8 percent for 2010, up from 5.65 percent declared the year before, buoyed primarily by good performance in the equities market.

“The remarkable investment income achieved in 2010 was especially driven by the performance of equity investments,” said EPF Chairman Tan Sri Samsudin Osman in a statement on Sunday.

“The improved financial and economic conditions provided the market with sufficient liquidity, allowing profit taking activities throughout the year.

“The dividend amount paid out is derived after deducting net impairment allowance on financial assets, investment expenses, operating expenditures and statutory charges as well as dividend on withdrawals,” he said.

EPF will be paying out a total of RM21.61bil to members, an increase from the 2009 dividend payout of RM19.37bil.

The dividend rate of 5.8 percent underscores an impressive year in which gross investment income reached a historical high of RM24.06bil, reflecting a 39.76 percent increase over the RM17.22bil gross investment income recorded in 2009, the statement said.

For the year under review, a total of RM10.94bil was earned from equities, a significant increase from RM4.85bil earned in 2009.

Loans and bonds were the second largest investment income contributor in 2010, recording RM7.02bil in gross investment income, compared to RM6.63bil posted the previous year.

Malaysian Government Securities was the third largest income earner for the year contributing RM5.30bil compared to RM5.22bil in 2009.

The year 2010 saw about two-thirds of EPF’s total investment assets remaining in low-risk fixed income instruments with stable streams of income.

“As a retirement fund, our primary objective is the preservation of capital while at the same time adding value to members’ retirement savings. In pursuit of this objective, we will continue to adopt a prudent investment approach,” Samsudin said.

Members can check their EPF Account Statement for the crediting of the 2010 dividend, either via EPF Kiosks, counters or i-Akaun, from Monday, 21 February 2011.

Source : The Star Online

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The Employees Provident Fund (EPF) Board, with the approval of the Minister of Finance, has declared a dividend rate of 5.65 per cent for the financial year ended 31 December 2009. The dividend rate was declared on the back of the highest ever net income achieved of RM19.63 billion.

Extracted from the Press release (in respect of EPF Dividend for 2009) dated 5 march 2010. For full text click here

In a month from now (maybe less) we will know what the dividend rate will be like...I just can't wait to hear from the EPF Board.
Based on my own prediction the dividend rate will be higher than the 5.65% declared last year. I am looking at 5.95% or maybe 6.00%. I want higher return on my EPF savings. What about you?

This is how I got my dividend rate for 2010

My own formula >>> Income attributable to EPF members in Current Year (Income CY) divide by Contributions Account in the Previous (CAPY) or simply
CY Income / CAPY


1. For 2008 Dividend
RM14.30 Billion (i.e. RM15.02 Billion - Reserve RM0.72 Billion) / RM317.32 Billion = 4.51% (Variance = -0.01%)
Note : Actual Dividend declared was 4.50%

2. For 2009 Dividend
RM19.62 Billion (i.e. RM19.65 Billion - Reserve RM0.03 Billion) / RM344.64 Billion = 5.69% (Variance = -0.04%)
Note : Actual Dividend declared was 5.65%

3. Estimated 2010 Dividend
a. Estimated CY Income = RM 22.27 billion (Q1 2010; RM5.55 billion + Q2 2010; RM5.47 billion + Q3 2010; RM5.75 billion + Q4 2010 ; RM5.50 billion (estimate))
b. CAPY = RM373.74 Billion
c. Dividend rate = 5.96 %

You may want to read this article from The Malaysian Insider...
EPF dividend creeps up to 5.85pc for 2010, says source

Come on EPF, give us higher return...make us happy :)

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Good news for ASB investors. Amanah Saham Nasional Bhd (ASNB) has announced an income distribution of 7.50 sen per unit (an increase of 0.20 sen from last year) and a bonus of 1.25 sen per unit for Skim Amanah Saham Bumiputera (ASB), for the financial year ending Dec 31, 2010.

Last year, the government-owned fund manager declared an income distribution of 7.30 sen per unit and a bonus of 1.25 sen per unit.

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Yes. 5.65%. An increase of 1.15% from the 4.5% declared for 2008. I hope next year the rate will be more than 6%. Come on EPF...make us happy :)
For Amanah Saham Wawasan. I bet you will pay 2% higher than EPF.

EPF’S INVESTMENTS IN 2009 AND 2008

Asset Class	Investments up to 31 December 2009		Investments up to 31 December 2008		Increase/ (Decrease) (RM billion)
	(RM billion)	%	(RM billion)	%
Malaysian Government Securities	93.11	25.08	96.16	28.12	(3.05)
Loans & Bonds	152.96	41.20	137.25	40.13	15.71
Equities	100.43	27.05	87.95	25.72	12.48
Money Market Instruments	23.21	6.25	19.03	5.56	4.18
Property	1.55	0.42	1.62	0.47	(0.07)
Total	371.26	100.00	342.01	100.00	29.25

Source : The Employees Provident Fund (EPF) website

For the 2009 dividend payout, the EPF requires RM3.43 billion to pay a one per cent dividend rate as a result of a larger membership base. This represents a 7.86 per cent increase over the amount of RM3.18 billion per one per cent dividend rate for 2008.

Members can check their EPF Account Statement for the crediting of the 2009 dividend from Monday, 8 March 2010 onwards.

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Good news for ASB investors. Amanah Saham Nasional Bhd (ASNB) has announced an income distribution of 7.30 sen per unit and a bonus of 1.25 sen per unit for Skim Amanah Saham Bumiputera (ASB), for the financial year ending Dec 31, 2009.

Last year, the government-owned fund manager declared an income distribution of 7.0 sen per unit and a bonus of 1.75 sen per unit.

Read the full report ...
ASNB Declares Dividend Of 7.30 Sen Per Unit For ASB Show/Hide

KUALA LUMPUR, Dec 14 (Bernama) -- Amanah Saham Nasional Bhd (ASNB), a wholly-owned subsidiary of Permodalan Nasional Bhd (PNB), has announced an income distribution of 7.30 sen per unit and a bonus of 1.25 sen per unit for Skim Amanah Saham Bumiputera (ASB), for the financial year ending Dec 31, 2009.

Last year, the government-owned fund manager declared an income distribution of 7.0 sen per unit and a bonus of 1.75 sen per unit.

Announcing the dividend and bonus for ASB on Monday, PNB chairman Tun Ahmad Sarji Abdul Hamid said the income distribution would involve a total payout of RM4.95 billion by ASNB, an increase of 19.56 per cent from the RM4.14 billion paid out in 2008.

The bonus portion, meanwhile, would involve a total payout of RM537.65 million by PNB.

The payment will benefit 6.78 million unit holders who currently hold more than 70 billion ASB units.

"Although the total numbers (dividend and bonus) looks lower this year at 8.55 sen per unit from 8.75 sen per unit last year, but in terms of total amount that we are paying out, it is higher at RM5.48 billion from RM4.79 billion last year," said PNB group chief executive and president Tan Sri Hamad Kama Piah Che Othman.

Hamad Kama Piah said PNB was in a strong position and would make sure of continued dividend payouts.

"Based on our fund reserve, our capacity is more than 11 sen per unit but we are just paying 7.30 sen per unit and bringing forward the balance of 3.70 sen for 2010.

"This is a long term fund and we want to make sure that we are able to use the money to buy more shares and do more investment because at the end of the day, we still have to pay again," he added.

ASB recorded a gross income of RM5.46 billion up to Dec 10, an increase of 3.4 per cent from RM5.28 billion in the corresponding period last year.

Dividend income from investee companies contributed RM1.48 billion, or 27 per cent of the gross income.

Profit from the sale of shares contributed RM3.67 billion, or 67 per cent, while the remaining RM309 million or 6.0 per cent came from investments in short-term instruments and other investments.

The income distribution and bonus will be automatically credited into the unit holders' accounts.

All transactions for ASB will be suspended from Dec 21 until January 3 to enable the calculation of income distribution and bonus. Unit holders will be able to update their accounts from January 4.

ASB is a fixed price equity income fund, opened for Bumiputera aged 12 years and above. It is aimed at generating long term, consistent and competitive returns to the unit holders.

-- Published in BERNAMA on 14 December 2009

Learn how to maximise your EPF savings; Maximising your savings

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Yesterday Permodalan Nasional Berhad (PNB) announced a 6.30 Sen Dividend per unit of Amanah Saham Wawasan 2020 (ASW 2020) for the year ending 31 August 2009. This year's dividend is lower than the 7 sen declared last year. If I am not wrong it is the lowest since the fund inception date :( The reason given is due to the fund’s 41% increase in size over the past one-year period.

Nevertheless, as a unitholder and participant through the Employees Provident Fund (EPF) members' investment scheme, I am quite happy with the return ;) ... at least it gives better return than EPF...


Have you invested / participated through the EPF members' investment scheme? If you have not, do read my earlier post ~ INVEST IN AMANAH SAHAM WAWASAN (ASW)

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Do you know that you can maximise your EPF savings (for your retirement needs) by investing your money in your Account 1(***see note below) in Amanah Saham Wawasan (ASW)?

You Do if you have already done so.
You Don't if you have not done so (even if you knew it!).


*** You want to know how much you can withdraw from your Account 1. Please check here

Why invest in ASW?
The return is much better than keeping your money in EPF. Average return is about 7% per annum. Just imagine, by investing your money in ASW, you may see your investment double in 10 - 11 years time.

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