But when retirement kicks in, most of us lose the luxury of being able to wait because we no longer have an actively earned income to draw on.
And the lowest dividend rate was in the year 2002 with a dividend rate of 4.
But after that, it was smooth and back to normal.
Happy to see the dividend has been credited.
However, the employer is not bound to do a matching contribution.
During this Covid-19 era, the percentages were revised down but some preferred to maintain the contribution rate to grow their fund.