Mobile LTE network: moving forward from 4G to 5G

5G is the next generation mobile network coming after the current 4G LTE-Advanced. It is still under research and development, but we can expect it to hit the market in near future.

What can we expect from 5G enhancement from the current 4G technology?

• Up to 1000 times increase in bandwidth per unit area
• Up to 100 times more connected devices
• Up to 10 Gbps connection speed to mobile devices in the field (see picture below for comparison with older technologies)
• Perceived network availability of 99.999%
• Perceived 100% network coverage
• Maximum of only 1ms end-to-end round trip latency delay
• Up to 90% reduction in network energy utilization

So, 5G is the next generation mobile technology well prepared for the world of IoT, with significantly improved bandwidth, connection speed, stability, reliability, coverage, etc.

With 5G, the necessity of laying fibre landline will be greatly reduced. The world will truly enter into Gigabit Internet era.

Huawei which has just received the "Outstanding Contribution for LTE Evolution to 5G" award at Mobile World Congress (MWC) 2017 is among the industry leaders who lead in the worldwide 5G development. (Unfortunately to investors, Huawei is not a public listed company)

EPF declared 5.70% dividend for 2016

The Employees Provident Fund (EPF, a.k.a. KWSP) has just declared the dividend rate for financial year 2016 to be 5.70%, which is 11% lower than the 6.40% dividend declared for 2015 (last year).

Calculation: (5.70-6.40)/6.40 = -0.70/6.40 = -11%

This is the 2nd year of dividend decline since the historical highest dividend payout of 6.75% declared for 2014.

If you have already registered as an EPF i-Akaun member to access your EPF account detail with their online service, you can login to your online account now and check the actual amount of dividend in RM added to your EPF account by viewing your 2016 online statement.

With this dividend rate, it seems that those who have withdrawn their EPF Account II savings to reduce their housing loan during 2016 might be regreted to do so, as the effective mortgage rate is generally lower than 5.70% in 2016, due to a lower housing loan financing rate along the year (around 4.35% offered by most banks).

If you have withdrawn your EPF Account I savings for investment in unit trust or fund, your fund manager has outperformed EPF if your 2016 ROI in the fund is greater than 5.70%. Otherwise, you might want to meet up with your unit trust agent or fund manager to find out what's wrong.

Note that in 2016, EPF has recognized a net impairment amounting of RM8.17 billion, compared with RM3.07 billion in 2015 to reflect lower equity prices (meaning, paper lost in share market)!

If you had gain money (had positive return) in share market during 2016, you were indeed doing better than the fund managers of EPF in share market investing.

PTPTN announced 2016 dividend for SSPN-i and SSPN-i Plus

The Malaysia National Higher Education Fund (Perbadanan Tabung Pendidikan Tinggi Nasional, PTPTN) has just announced dividend for year 2016 for both the education savings schemes SSPN-i (Skim Simpanan Pendidikan Nasional) and SSPN-i Plus respectively on 13 February 2017.

The 2016 SSPN-i and SSPN-I Plus dividend payout rate is 4%, amounting to RM76.74 million. This rate is the same as previous payout for 2015.

According to PTPTN, the number of SSPN-i accounts opened to date is 2.7 million, with deposits amounting to above RM2.6 billion.

There are only 53 thousand SSPN-i Plus accounts opened since its launch on 8 June 2015, and the deposited amount is RM15.8 million.

Historical SSPN-i dividend payout rate is as below:

• 2016: 4.00%
• 2015: 4.00%
• 2014: 4.25%
• 2013: 4.25%
• 2012: 4.25%
• 2011: 3.75%
• 2010: 3.25%
• 2009: 2.50%
• 2008: 4.00%
• 2007: 4.00%
• 2006: 4.00%
• 2005: 4.00%
• 2004: 3.00%

You can proceed to the Online SSPN-i Statement of Account website for checking of the transactions and amount of savings in your kid's SSPN-i account.