新闻报报看 | 雇员公积金局EPF今天宣布了派息率！2023年传统储蓄户头的派息率为5.5%，比上一次上升了0.15%，派息总额更是达578亿1000万令吉，创下历史新高。相信是太多关注EPF派息率的会员，在同一时间涌入EPF手机应用程式查看钱是否已到账，导致系统一度瘫痪，无法顺利登入。（主播：蔡心慧、林晓倩）
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00:00 I believe many workers have already known that the State-owned Enterprise Fund EPF announced the interest rate today.
00:06 In 2023, the interest rate of traditional savings accounts was 5.5%, while the interest rate of Islamic savings accounts was 5.4%.
00:14 The interest rate of traditional savings accounts was 5.35% last year, so this year's interest rate is 0.15% higher than last year.
00:24 The total amount of interest is 5.033 million RMB, plus the interest of Islamic savings accounts.
00:31 The total amount of interest of EPF this year is 5.78 million RMB, which is a historic increase.
00:38 EPF has just announced the interest rate. Many people can't wait to take out their phones.
00:44 Why? They want to check if the money has arrived through the EPF mobile app.
00:49 I believe too many people are using the system at the same time, which has led to the mobile app of EPF being paralyzed and unable to log in smoothly.
00:57 But the authorities soon solved the problem and the system returned to normal.
01:01 People who logged in smoothly also found that the efficiency of the State-owned Enterprise Fund is very fast and the interest has been reimbursed.
01:08 The high interest rate of EPF this time is mainly due to equity investment.
01:12 The Chairman of the State-owned Enterprise Fund, Amr Badri, said that although the international geopolitical situation is tense, interest rates are rising, and inflation is rampant,
01:20 EPF can still achieve unexpected performance.
01:24 In 2023, the investment of EPF increased by 13%, to 1,350 trillion RMB.
01:32 The total investment income reached 6.69 billion RMB, which increased by 29%.
01:38 The State-owned Enterprise Fund is still the largest investor in the domestic market.
01:42 Last year, the investment allocation of EPF in the domestic market accounted for more than 80%.
01:48 As for the Executive Director of EPF, Amr Zulkarnai, he said at a briefing at the headquarters today that
01:53 as the labor market in Myanmar continues to grow, the number of members has also increased, reaching 16.07 million.
02:02 Of these, 8.52 million active members accounted for 53%.
02:08 The contribution of the State-owned Enterprise Fund in 2023 also increased by 15% compared to 2022.
02:13 The State-owned Enterprise Fund is an important pension savings plan for Myanmar.
02:16 The more people accept EPF, the more people will have insurance for their future pension and income.
02:24 Especially Myanmar is entering the ageing society, so that more people can achieve basic savings goals,
02:30 in order to alleviate the financial pressure that has arisen after our country has become an aging country.
02:35 According to the standards of the State-owned Enterprise Fund, basic savings must be at least RMB240,000
02:42 in order to pay the retirement expenses between the ages of 55 and 75.
02:47 That's just assuming you live to be 75.
02:50 However, Amr Zulkarnai said that it is still difficult to achieve this goal.
02:55 He revealed that of the members aged 51 to 55, only 17% have achieved basic savings.
03:02 In other words, more than 80% of the members are close to retirement age.
03:06 Their pension savings are less than RMB240,000.
03:10 Amr Zulkarnai expressed his concerns about this situation.
03:13 He revealed that by 2043, the proportion of Myanmar's elderly population is expected to rise to 40%.
03:21 When the proportion of working people decreases and the aging population expands,
03:25 it will undoubtedly cause the government to bear the burden of spending.
03:28 Not only will the pressure on the medical and health care system increase,
03:32 but more and more people will retire and the country's tax rate will fall.
03:35 Studies show that the GDP of the elderly will fall by 5.5% every 10% of the domestic GDP.
03:43 Amr Zulkarnai emphasized that as the life expectancy of the Chinese people becomes longer,
03:48 the age of the public fund and the age of the country's lowest retirement have become incompatible.
03:53 He urged everyone to delay the withdrawal of public funds.
03:56 It is important not to withdraw all your savings at once at the age of 55.
04:02 According to their research,
04:04 70% of members will spend all their savings in five years.
04:09 He suggested that instead of spending all your savings at once,
04:12 it is better to choose to pay your monthly expenses from the bank account of the public fund to the bank account of the bank.
04:18 Let the remaining savings continue to make profits in the EPF account
04:22 to enjoy better retirement insurance.
04:24 [Music]