wah... very harsh eh the "p" word...

as long as EPF and Madani gov give everyone a heads up before declaring acct 3 div to be lower vs acct 1 and 2.
like 1 year advanced notice. Then only fair.

Immediately i will push all acct 2 and acct 3 into acct 1.

you have the right reason to complain if currently you have 2 million and below 55 years old.

cos from having liquidity access of 1 million ringgit + div declared for 2025 (assume 120Krm) = 1.12 million,
next year you only have liquidity access of 1.02 million due to the 100K threshold increase.

haha...

whether you should or need to complain is another story.

haha...

that's why I complained earlier about this gov's heavy handed style to "baby" those who clearly do not need epf/gov to dictate their finance.

But many here do not agree and some even suggest that if not happy, can relinguish citizenship.

Hence I now suggest whether one should or need to complain is another story... haha...

have until Dec 2025 to decide to cut exposure down to bare min...

would make sense... let them complain... cos the rule did change for them. In the same time, pretty sure their life will go on as if it is a non-event...
basically, rather have more than 1 million in epf and still too young...

if above 55 (or 60), best focus on living one's life than complain too much about EPF.

2012 to 2025 is 13 years.
If we are refering to the case of 40++ years old chap today, he would just be like 30 years old then...
I really doubt a 30 years old chap/gal would be thinking much about EPF at the age... he/she would be focusing on many things in life, and his priority would be in getting the next pay hike or bonus.

How lets switch over to uncle and aunties in their 40s and 50s back in 2000 to 2010. how many of them (active members) have 1 million in EPF back in 2006? I so happen to have that stats.
It is only 4226 persons. vs today's 76K persons.

Do they have complains? of course they do... But as per usual human behavior, the rest of us (even me cos come on... I was only in my 20s) just ignore them and claim this is rich people's problem.
I remember a few of my old ex-colleagues, department heads and those near retirement, back then was complaining and wondering how not to contribute to EPF... cos they are worried about EPF (the usual ponzi scheme fear mongering stories lar). There were even a running story that the worst that can happen when one reach 55 is not death, but not dying while EPF went bankrupt. Serious man... and then 2008 happened. lol

but but but... now diff woh... here in this forum, at least those who participates are in 40s to 60s...

Wah. Looks like the 25% tariff is a real risk and hurts.

There will always be people who complaint one.

If only they can complain as loudly or more than the B40... Look at how powerful B40 is in getting access into EPF with acct 3.

Its better for EPF members that bnm aggressively cut rates actually...

a) rate cut means all the mgs will appreciate in price (assuming the curve didn't steepen and just follow)
b) equities in bursa will tend to go up in price... cheaper funding
c) real estate/properties in EPF's hands also up in price
d) ringgit will weaken as well... good for the foreign denom assets when translated back to ringgit.

so yes... pls pls pls cut cut cut...

well, rate cuts usually have the effect I just listed.

Just to be sure, I asked chatgpt... and it agrees with me.

✅ Summary Table
Impact Area_________Expected Effect from Aggressive BNM Rate Cut
MGS (Govt Bonds)____Prices ↑ (yields ↓)
Bursa Equities________Prices ↑ (esp. banks, REITs, property)
Property Valuations____Prices ↑ (affordability ↑, cap rate ↓)
MYR vs USD/FX_______MYR ↓ (weakens)
Foreign Assets in RM___RM value ↑ (due to weaker MYR)

This post has been edited by Wedchar2912: Jul 9 2025, 09:23 PM

lets do it with this schedule...

0 to 200K: x%
200K to 500K : x+1%
500K to 1M: x + 2%
1M above (or whatever the new threshold): x - 2%

above threshold, EPF ensures you are free to take out.

Trust me... I am a professional.... kind of.
was... I meant was...



plus, i think chatgpt hasn't gone the way of grok today!

1. profit realization (sell and buy back to cristalize the gains)

2. equities tend to perform better (ie better supported) during a falling rates environment. from valuation point of view, access to liquidity and flow of money. banks get more biz...
(just pay attention to asian crisis when rates went the opposite way)
DCF analysis uses lower discount factor too...



yeah, there are others (especially in Malaysia) who think bank's will do poorly in falling rates... and doing well in raising rates environment... but I do not belong in this camp.

It's only the contributions into EPF after age 55 that is locked until 60.

So not that bad really.

personally, i just assume that ringgit will be weakening for the foreseeable future and do some diversifications out of ringgit denom assets.

Plus, there is always the risk of political shifts in Malaysia swinging toward the Green...

Looks like we have someone who is not just very pro Epf, but also pro Malaysia and pro Ringgit. Diversification can take a back seat.

Have to say this is refreshing. Good...

that's why lor EPF already sounded that old members should keep their funds in EPF and let EPF safeguard the funds for them.... by converting into annuity that pays a fixed income per month.
EPF happy, the elderly also safer... lol

haha... their system is very good but you don't want it. interestingly, kwsp ceo also said the same thing...

link: https://theedgemalaysia.com/node/747532

i just paste the one section that he touched on basically what you, others and myself mentioned.


: excerpt from the article above
If you had a sequencing list or wish list for pension-related reforms, what would it be like?

High priority would be aligning the withdrawal age with the retirement age. It is only logical for it to be the same. If the retirement age changes, the withdrawal age also changes.

The best pension systems have streams of income over a long period of time. They also protect against longevity risk; so, you don’t have to worry about running out of money if you live to 95 or 99. And that will be sort of what is technically called an annuity, where, irrespective of how long you live, that is the stream of income you have. We don’t have that today.

Starting points matter in these things. We started off as a provident fund, similar to Singapore’s Central Provident Fund (CPF), similar to EPF in India. The commonality of this is, of course, it was set up by the British. And provident funds traditionally allow you to have lump-sum withdrawals, which we still allow. But over time, we do see these systems transitioning, because with experience, they realise that members tend to exhaust their funds very quickly, that they then change it into streams of income.

CPF has shifted over time, over two phases, where initially it was a certain portion of your savings that can be withdrawn on a schedule, not with a lump sum. Subsequently, they introduced something called CPF Life, which is the annuity. So, irrespective of how long you live, you get that stream.

Transitioning is not so easy but we have to figure out how we can transition. The easy way is you start with a new cohort. When we test with the public, starting with new cohorts, no one has any problems. And it’s quite interesting how psychology works. If you ask a typical parent, would you like this for your children? They will say: ‘Yes, I want my children to be protected for life. I want the streams of income.’

But asked whether they would like it for themselves — the exact same thing — and the same person would say ‘no’. And that, I think, illustrates the policy challenge that we have. You know that it is good for you, but just do it for my children, not for me.

while i don't know the full details, I think the principal is withheld until you passed away... Its the real to death do us part.

Can still remember my ex-SG colleagues making jokes that gov is so good... they even ensure you have money to bury yourself and not burden society and family.

compared to CPF, i choose our EPF anytime... ours is way better for our members...
CPF's somehow appears a bit sinister to me... seems more to protect SG gov and economy rather than 100% prioritize the members.