從印尼禁止礦石出口談起

印尼是個天然資源豐富的國家，礦石資源很多，許多礦石多出口到中國

。

2014年1月，印尼政府強力實行的鎳礦石和鋁土礦出口禁令。印尼雖然供應全球15%的鎳礦石，但沒有印尼礦石的中國，照樣可以生存，其他國家包括澳洲等和馬來西亞會很高興可以接過印尼鎳產量的空缺。一紙禁令嚴重影響了每月接近5億美元的產業，這個禁令實行到今天，數万工人失業，產業不見升級，收入損失近百億。其他礦石包括煤和銅，都有不同程度的出口限制，為此政府還跟跨國礦業巨頭打上官司。看起來，印尼的礦石產業要升級會很艱難。

Another perspective of the effects of 8% to you

Star has published an articles on the effect of 8% EPF to the members' saving over a period of 25 years. This is based on the assumption that the return rate is to keep at 5.5% and above.



The actual calculation is shown below. Obviously the total amount for those earning RM4000 is very much difference from those earning RM10000.

The most important assumption is that EPF will be able to sustain return rate of at least 5.5% over the period of 25 years.

Still key to this issue is that we are now provided with more options to do financial management for our own money, you can choose to keep at 11% or you can do it like me, opt for 8%.