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%.
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