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In March, last year, CBT trimmed the EPF interest rate to its lowest level in 40 years to 8.1% for fiscal 2021-22. The last time, the EPF rate was lowest was in 1977-78 at 8%.
An average rate of return can mask losses over time, so what investors really want to keep an eye on is the actual rate of return, financial adviser Carlos Dias Jr. says.