公積金—〉信託基金(2)

我之前的post. 公積金—〉信託基金

中国报的陳思遠先生作出了非常详细的报道。

會員冒險投資賺回酬公積金利息難維持生活

以下是几个要点，

1）雖然大馬去年的通貨膨脹率只有3.7%，而公積金利息每年平均是4至5%，單看上述數據，公積金利息是可以維持通膨率，但實際上，很多退休者都無法靠利息維持通膨率。

2）如果政府停止此計劃，對那些有理財及謹慎管理資金能力的會員，有欠公平。

3）信託基金公司主要投資在股票及債券市場，投資者可自行選擇風險低或高的信託基金投資組合。

4）公積金局服務宗旨。

5）服務千萬名會員，公積金局挑戰大。

6）信託基金經理聯會指投資失利報導不實。

7）為了公積金局會員與業者的利益，有關公積金局會員投資失利的問題，需要更多的時間來處理，不應倉促作出決定。

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Summary
The reporter from China Press has make a good report on the issues.
Here are some of the points,
1) The inflasion rate is 3.7%，and the dividen from EPF is just 4-5%, retirees can't beneficial from the EPF.

2) If goverment stop the EPF’s investment scheme, this is not fair to the investment companies who did well so far.

3) The investment make by the unit trust companies is more on equity and bond market. The investor can choose the fund that match thier own risk profile.

4) The list of EPF's purpose.

5) The responsibility of EPF is very high as they need to serve millions of members.

6) The news on the losses of half billion ringgit are not right.

7) For the benifit of all the parties, government should think twise before proceed with any plan.