Tuesday, November 5, 2024

EPF and ETF Contributions

The EPF (15) and ETF (4) are very important monetary instruments created by late T.B. Illangaratne
 
His insight to problems of working class was monumental
 
He created the Ceylon Insurance Corporation,too.

When I was attached to the University, my contribution was about 10% (total with University contribution was 25%). 
My time in the university was very short but I had reasonably good amount at the time of retirement. 
 
Unlike in the private sector, a guy who leaves the university could withdraw this money before the age of 55 years.

This peace is about the ordinary guys and girls who work in the private sector. 

Private Sector guys (Navaloka Hospital for example) do not fill the B form and discharge workers after one year in service

He or she cannot obtain it until the age of 55 years.
This money until then is invested and managed by an efficient team in the past.

The employer contribution is 13.5% currently
I do not know about the workers contribution.

Under MJ/GR a certain portion of this money was invested on their shoddy private projects.
 
In other words, these guys stole the money belonged to the poor workers.

I believe some of these institutions have already gone bankrupt.

The present government under RW is trying to destroy these assets by investing on shoddy projects without protection from the Central Bank.

When they go bankrupt, I believe the employers get a cut and those workers, under 55 get nothing.

The money or contribution of the worker is gobbled by some political guy or girl as a loan facility which is never paid pack.

Big investors are protected by default but the ignorant worker is invariably swindled.

This is where trade unions are important
Trade Unions should place a collateral investment against its member and should take over the money belonging to the worker under 55 (institution going bankrupt) on his or her behalf as long as he or she has contributed the annual membership fee.
They should intervene on behalf of the worker and the money should be saved in wirker's name. 

Like what we had in the university the member should have the right to withdraw money in case of collapse or bankrupt.

These political guys are crooks,

My daughter's money  in a saving bank account was stolen by Chandrika for her election campaign, (election second time round).

Unfortunately Central Bank is on the side of the crooks.

BEWARE!

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