On paper... EPF should give everything....

But somehow it's not... Some year they paid like 90%... Some year I think got 105% too.... It's not fixed.... And paid according to market situation.....

If following the trend.... I suspect this year payout ratio is lower....  Because one year high one year lower.... Or 2 years high rest of the year low low... Something like that....

And like you said too... There's others expenses to consider too....

not very transparent as always
but we have to accept it since it is consider the safest investment so far

boss you forget 6% earnings... need to pay salary and wages, utilities, rentals, land and building/expansions, etc...

unker said your money in EPF is at risk
aka EPF cannot trust
better run overseas...

unker betul tak?

Source: THEEDGEMALAYSIA.COM - Govt still considering EPF reforms as majority of Malaysians struggle to save, senior citizens live in poverty
Some interesting statistics putting down here for future reference. As of Aug 2025 :-

Age group (years)                                                      Active members as %  of total members within band
18-30 3.1 0.78 (25.3%) 4.42 0.82 (18.6%) 70.14%
31-40 2.33 1.08 (46.4%) 4.22 1.19 (28.3%) 55.21%
41-50 1.51 0.79 (52.7%) 3.46 0.92 (26.5%) 43.64%
51-55 0.53 0.24 (45.55%) 1.41 0.30 (21.2%) 37.59%
Overall 7.46 2.90 (38.8%) 13.51 3.23 (23.9%) 55.22%
There is still some missing stuff in the above table, namely the > 55 years old members not accounted for..

I will leave it as it... as this topics can delve into many derivatives discussion which I am not prepared for today, among them :-
- more 40+ members move out of EPF (hence formal employment) to earn better living for their retirement?
- Is EPF the sole source of retirement funding?? I am sure most among the more financial literate here would say definitely NO.
etc etc

Unfortunately, there’s been a bit too much interference... by current gov esp.

When the FM suggests that EPF should prioritize local investments, often under the banner of "national interest" as suggested by yourself, it’s worth asking whether that goal be at odds with EPF’s true purpose: ensuring sustainable retirement outcomes for its members.

A simplistic example would be when "national interest" once meant supporting ventures like Proton, MAS, or Renong...  initiatives that didn’t always translate into sound financial returns.

At the end of the day, EPF’s core mandate is clear: to manage the compulsory retirement savings of its members. That should always remain the first priority. Any other objectives, however well-intentioned, ought to come second.
I am sure there's a reason in the first place why the professionals and board members of EPF originally allocated XXX% to overseas market... 

not everyone can stomach the risk
at my age i rather earn 2.5% instead of -10%

unker's policy like that wont stand even 1 day in office...
as if you can force people to work....

it is punishment of sorts for the lower class of the society
the poor..

Why Singapore’s CPF System Is Considered The Best Pension System In Asia

https://dollarsandsense.sg/why-singapores-c...system-in-asia/

But due to the suggested plan is can't fire them, so basically once they are hired, these people can just snaking whole day and wait for salary 

People in here all clamouring for cpf like retirement fund is abit short sighted.....

I believe most in here are rich and have benefited from the inherent laxity of our EPF.  CPF is much stricter with in built mechanism preventing 'abuses' or upper hand benefits to to higher income group and the rich...

The way I see it....CPF takes care more of the lower categories workers while EPF is a better cash cow to milk for the rich higher categories workers ...we have seen this abuses as the central issues of complaints in here

So the new policies only apply to the younger or newer members.... fully support...

but old contributors like those above 50 no change....

That’s fine and all.... until we look at the ones already in their 60s but sitting on just RM10K in EPF? What exactly are we planning to do with them? They still can’t retire on that as everyone (media and policymakers alike) keeps repeating the same old line that "EPF is their only savings".

or we can just wait for them to be shuffled off the deck???? problem solved.