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SG Finance Guru Calls EPF dividend ‘Insane’, Says M’sians Have A ‘Goldmine’ Compared To SG’s CPF

He described EPF as a “goldmine” that many Malaysians fail to appreciate.
Home > Society > SG Finance Guru Calls EPF dividend ‘Insane’, Says M’sians Have A ‘Goldmine’ Compared To SG’s CPF
Singaporean personal finance YouTuber ‘1M65’ Mr. Loo, known for his financial education efforts, recently compared Employees Provident Fund (EPF) with Singapore’s Central Provident Fund (CPF).

He highlighted the stark difference between the two, stating that while CPF offers stability, EPF provides significantly higher returns.

KWSP EPF (1)
Photo via WeirdKaya. For illustration purposes only.

He described EPF as a “goldmine” that many Malaysians fail to appreciate.

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It is important for every Malaysian to realize that you’re sitting on a goldmine and a lot of people just rubbish the system away.

EPF’s high returns impress S’porean expert

Loo noted that EPF’s dividend rates have consistently ranged between 5% and 6.7% over the past decade, surpassing CPF’s returns.

SG finance guru on EPF stance
Screengrab via YouTube/Do More – Take Charge of Your Life

In contrast, CPF’s ordinary account yields only 2.5%, with its special account offering 4%.

This is an insanely high return rate,” he said, explaining that EPF’s compounding effect can significantly grow retirement savings over time.

M’sians urged to take advantage of EPF

He urged Malaysians to maximize their EPF savings, emphasizing its potential as a powerful wealth-building tool.

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“If you put RM100,000 in EPF at a 6.5% return rate and leave it for 35 years, it could grow nearly nine times,” he explained.

KWSP i-Akaun App
Photo via WeirdKaya. For illustration purposes only.

Despite concerns over political instability, Loo pointed out that EPF has remained resilient through financial crises and continues to generate strong returns.

Loo also observed that many Malaysians tend to spend on luxury items rather than focusing on long-term financial security.

He suggested that prioritizing savings and investment over extravagant purchases would lead to greater financial stability.

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Mr Loo Singaporean Finance Guru
Screengrab via YouTube/Do More – Take Charge of Your Life

You should focus on being rich rather than looking rich,” he advised.

Diversification beyond EPF

While praising EPF, Loo also stressed the importance of diversifying investments. He recommended that Malaysians consider global equities, especially US stocks, to protect their wealth from economic fluctuations.

Even Singapore’s sovereign wealth funds diversify globally—so should the average Malaysian,” he concluded.


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