Making Sense of Anything thru Analytics: Employees Provident Fund (EPF)

Mohd Izhan Mohd Yusoff
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引用次数: 0

Abstract

Employees Provident Fund (EPF) has always been a hot topic, from the previous Government permitted “withdrawals” during the pandemic to the present Government disallowing further withdrawals (afraid it would lead to a financial crisis) and allowing emergency loans through an EPF collateral agreement. The latter used median studies to “contribute” MYR 500 to EPF members with less than RM 10,000 in their accounts. Baffled/bewildered by the current Government’s generosity and highlighted in this paper, I used Monte Carlo simulation, a method used by analysts when determining the size of a client’s portfolio to support their desired retirement lifestyle, to establish a reference-type table displaying ideal savings when reaching 50. The Government could use the table mentioned above to give more meaningful contributions to EPF members, apart from EPF active and inactive members, knowing where they stand concerning their current EPF savings.
通过分析让一切变得有意义:雇员公积金(EPF)
雇员公积金(EPF)一直是一个热门话题,从上届政府在疫情期间允许"提款"到现任政府不允许进一步提款(担心这会导致金融危机),并允许通过EPF担保协议提供紧急贷款。后者使用中位数研究向账户中不到1万令吉的EPF成员“贡献”500令吉。我对当前政府的慷慨感到困惑/困惑,并在本文中强调,我使用蒙特卡罗模拟(分析师在确定客户的投资组合规模以支持他们理想的退休生活方式时使用的方法)建立了一个参考型表格,显示50岁时的理想储蓄。政府可以利用上述表格向公积金计划成员提供更有意义的捐款,除了公积金计划的积极成员和不积极成员,了解他们目前的公积金储蓄情况。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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