KWSP: peluang untuk pelabur agresif

~High Risk High Return~

aku rasa pelabur agresif yang guna pakai pepatah High Risk High Return ni mesti menyambut baik peluang terbaru yang di buka oleh KWSP. So pelabur boleh mencari Fund yang 100% expose kepada market luar untuk mencari return yang tinggi. Ataupun mungkin sebagai salah satu dalam portfolio kan..cantik juga tu. Kalau sebelum ni KWSP mengenakan syarat-syarat untuk melabur guna KWSP ke dalam fund-fund oversea. 

PETALING JAYA: Employees Provident Fund (EPF) members are now allowed to invest in unit trust funds that are fully focused on investing overseas.

Prior to this, EPF only allowed investments in unit trust funds with no more than 30% foreign exposure, although a 5% allowance in excess of the 30% threshold is permitted if it is due to share market movements or redemption activities conducted by investors.

This latest move, effective yesterday, would mean that members could opt to invest in unit trust funds that are 100% invested overseas as long as EPF recognises these funds.

With the relaxation of this limitation, EPF members will see the advantages of a wider range of investment opportunities.

It also means wider geographical opportunities for existing EPF funds.

Members can invest using their savings in Account 1.

The EPF currently manages about RM680bil of investment assets for 14.5 million members, of whom 6.7 million are active members.

It declared a dividend rate of 6.4% for 2015 and 6.75% for 2014.

Come January next year, the EPF will offer a fully syariah-compliant investment scheme, called Simpanan Syariah.

The EPF expects between 1.5 million and two million of its members to convert their savings to Simpanan Syariah during the first year of its launch. 

Sumber : the Star 

Sekarang, kita boleh bina portfolio:

Low risk : simpan je dalam EPF

moderate risk : cari fund yang invest dalam Bursa Malaysia dan sedikit expose kepada luar

High risk : 100% fund invest kat oversea

sekadar idea je...mungkin boleh dipikirkan lebih dalam.

walaupun nampak macam high risk, aku yakin KWSP hanya akan benarkan fund-fund yang mencatatkan performance yang baik. takkan dia bagi fund yang tak perform. lagipun kalau nak invest kat luar kena betul2 faham risk exposure.

Ringgit masih lemah, mungkin boleh ambil peluang dari sini.