快來看啊！我們今年的公積金EPF派息率跟國際油價一樣狂跌了！跌倒剩下不足5%，會員看到都要哭了。。

今年全國1400萬公積金會員肯定笑不出來了。根據有關方面的消息指出，公積金局在2015年的投資收入估計只能跟2014年持平，但派發的利息卻只有介於4.5%到5.2%之間，遠遠比去年的6.75%少了1.5%以上！如果你在EPF的存款有10萬令吉，意味著你比去年少賺了RM1,500令吉！

1500令吉算多嗎？當然算多！因為首相納吉不斷高調強調，國人每月只需區區RM300就足夠應付生活開支；按照納吉的說法，1500令吉就等於人民平白不見了5個月的生活費！會死人的咯！

諷刺的是，踏入2016年，國內好幾家銀行不約而同宣布調高定期存款利率，有者年利甚至超過4%。這樣講的話，與其繼續把錢放在公積金，不如提起來放進銀行當定存更安全了。因為國家已經沒錢，許多巫統政棍和朋黨無時無刻都在打公積金的主意，虎視眈眈找機會從EPF搬錢。坊間早已盛傳那些朋黨總共已經挖走了公積金局高達4000億令吉，而公積金局的總存款額是6672.1億令吉，換句話說，超過三份之二的會員退休金很可能已經不翼而飛咯。

公積金局去年初宣布，2014全年總共賺得RM390.08億令吉，所以2015年初派發6.75%利息給所有會員，相等於366.6億令吉。

但是2015年的大馬經濟情況一團糟，貪污醜聞越鬧越大，國家的錢不見了，外資走了，股市連連下挫了，國際油價狂跌了，馬幣兌換率狂瀉了。。。種種內憂外患之下，公積金局的投資所得也大幅度縮水，被迫變賣手頭上持有的大批藍籌股套現，才保住了凈利的額度。2015年首三季度財政報告顯示，公積金局的凈利為315.8億令吉，估計加上第四季度，勉強可以取得390億令吉左右的盈餘。

公積金局首席執行員拿督沙里爾理查對媒體表示，公積金局已經盡力了，奈何國際經濟局勢嚴苛，大勢所趨，他也無能為力。

當然，聽到他這樣講，看到大幅滑落的利息，人民也倍覺無力了。。。

EPF dividends projected at 4.5% to 5.2%

Economists have projected that the Employees Provident Fund (EPF) will announce a lower dividend rate of between 4.5% and 5.2% for 2015 compared with 6.75% for 2014 on weaker investment climate due to slower global and domestic economic growth.

EPF recorded RM39.08 billion gross investment income for financial year ended Dec 31, 2014. The 6.75 per cent dividend amounted to a total payout of RM36.66 billion where RM5.41 billion was required to pay every one per cent of dividend rate for 2014.

Its investment income for the first three quarters of 2015 has totalled RM31.58 million. Its expected investment income for 2015 is likely to surpass its RM39.08 billion gross investment income for financial year ended Dec 31, 2014.

On Nov 20, EPF announced investment income of RM9.54 billion for the third quarter of 2015 (Q3 2015) ended Sept 30, 2015, a year-on-year decline of 7.58 per cent.

「This third quarter had been challenging for the EPF as the uncertainties in the market heightened,」 EPF Chief Executive Officer Datuk Shahril Ridza Ridzuan said then. 「Nevertheless, our global diversification programme helped cushion the impact during this period.

「We had been anticipating the difficult market conditions and adjusting our strategies accordingly. As with other investors, we were not spared by the impact. Nevertheless, we were still able to generate returns from other markets in the world when the domestic market performed lower than expected.」

EPF announced an investment income of RM11.41 billion for the second quarter of 2015 (Q2 2015) ended June 30, 2015.

As at Q1 2015, the EPF’s total investment assets stood at RM667.21 billion, an increase of RM30.68 billion for the first six months of 2015. It announced an investment income of RM10.63 billion for the first quarter ended March 31,2015.

However, economists said it would be extremely difficult for EPF to meet the year 2014 dividend rate under the current economic scenario.

「Given the current weak climate, a dividend of 4.5% to 5% would be a commendable return,」 The Malaysian Reserve (TMR) quoted Malaysian University of Science and Technology dean of business Dr Yeah Kim Leng as saying.

「There were so many negatives last year. Asset prices fell and most hedge funds had weaker performances. It would likely be the same for EPF,」 Prof Dr Hoo Ke Ping, a prominent economist and investment advisor, told TMR.

「A dividend of 4.8% to 5.2% will be considered good. It is important to note that this will be better than what bank deposits offer, which only range around 3%.」

Private sector workers are hoping for a higher dividend payout by EPF this year to cope with the rising cost of living and the impact from the Goods and Services Tax (GST), said the Malaysian Trades Union Congress (MTUC).

MTUC deputy secretary-general A. Balasubramaniam said the majority of the 10 million private sector workers were looking forward to a better dividend from the fund as it was the only source of savings for them.

「We have more than four million active contributors in EPF. Higher dividend would add more value to their retirement savings,」 he said. 「Private sector workers from the lower income group have to contend with the hike in public transportation fares and higher toll rates for certain major highways in and around the Klang Valley.

「These factors had impacted the lifestyle of workers as they hardly could save from their monthly wages and as such, EPF is the only savings they could keep for their retirement.」

There have been proposals for the authorities consider lowering the monthly EPF contribution to improve household disposable income. Another suggestion is to allow the recently retrenched to withdraw from their EPF accounts.

The reduction of workers』 EPF contributions is nothing new. From January 2009 until December 2010, employees were allowed to opt to reduce their monthly EPF contribution from 11% to 8%. The employers』 12% contribution remained the same. The contribution rate was also reduced twice earlier – once in 2001 and the other in 2003.

轉載請註明來源：今天頭條