00:01One of the big challenges that EPF is trying to tackle today.
00:05So for a very long time, when people talk about EPF, what do they talk about?
00:09They talk about how much they save, how much balance, people check using their apps,
00:16and ultimately what the dividend rate is.
00:19So there's a lot of interest around the dividend rate every single year
00:22because the dividend rate translates into how much your balance will grow year after year.
00:28And that's not wrong. Actually, that's absolutely right.
00:31What we're trying to encourage people to start thinking about as well
00:35is not just how your money accumulates over the time period that you're working.
00:41So people typically work for 30, 35 years.
00:45And to start thinking about how your money should be used post-retirement.
