If not optional, withdraw most of it and get some 999 kilobars😆

why kecoh? This is not something we can control and gov/epf is helping to define a policy that is helping the rakyat
All this is very evident when they announced the Ria Framework on 12.12.2024

In the Ria Framework we need RM390k for basic living and they even quoted an example where a person who is single stay in Klang Valley will need 2.6k per month. When come to the word "pension" it really mean basics / minimum income to survive.

Enhanced you need 1.3M
Adequate you need 650k
Basic you need 390k
Link to Doc https://www.kwsp.gov.my/documents/d/guest/ria_en

my best guess if i were to speculate is GOV/EPF will not allow the withdrawal of BASIC amount but anything above 390k is withdrawable upon retirement age (55 for now but most likely will move to 60) 

All the answer is there in the RIA Framework just that you need to learn how to speculate it / read in between the lines!

so why 390k and why 2.6k per month - here is the calculation and i hope my speculation is not very far off as i dont mind to keep 390k inside EPF even after i am 55/60. If they force me to keep 1.3M inside EPF after 55/60 then we will have to do mass withdrawal before the new policy is in effect.

**simple calculation with assumption of 5.5% average dividend for the next 20 years and withdrawal of RM2.6k every month
you will exhaust your RM390k on year 20!

no need worry so much lah
especilly you guys near retirement or already retired
already FIRED, have lots of money out side etc

how can EPF suddenly affect you old members?

let the young ones worry lah eg born after 2000

i dont belip gomen can simply change and force old guys like you into whatever new schemes like that

common sense tells me Gomen would be worried you take your money out and run far far

2.5 million is our goal if we want to retire comfortable now
i use to focus on 1.5M but after knowing that medical cost is so expensive i think 2.5M is needed
even with insurance it wont help especially when you old you need to take supplement, you need physiotherapy, you need domestic helper

i start to plan all this as now i am at 52 this year and why 1.25M per person as i need to cover for my wife so i need to have 2.5M for 2

future cost in 10 years - hopefully this number maintains!
domestic helper - RM3.5k per month
physiotherapy for 2 - RM1k per month
insurance for 2 - RM1.2k per month
tnb - RM500 per month
water bill - RM50 per month
supplement for 2 - RM500 (milk powder, omega, vitamins, ect)
medicine for 2 - RM500 (depend on your sickness - just assume u have heart problem, cholesterol problem, diabetic problem, high bp)
phone bill for 2 - RM100
unifi - RM150
other misc - RM1000 (clinic visit, travel cost)
makan for 3 - RM3000 (me, my wife, domestic helper)
Total 11.5k

Yes. That's why some still working beyond 60yo...

Contract basis or doing odd jobs..... And some still contribute to EPF too

We won't know about even getting 5% until Q3 and Q4'25 is out.... let's have our fingers crossed.

Hence, if want to study above RM 200k for e.g, please get scholarship, and if cannot get scholarship, means just subpar/normal talent, so no need go overseas..local Uni will do...at most 3+1, last year send you out to experience....then with the subpar/normal talent, if can stay overseas to work then go ahead....

Spend RM 1 mil go overseas study, if work overseas still ok, later cannot tahan say miss me and mummy (parent) then want come back Msia work, your RM 1 mil as good as gone....

spent rm1.5 mil for kids' edu?

better put in their epf... for 30 years @ 5.8% dividend = rm 8.14 mil; put in qqq @ 17% is rm166 mil.... ok lah, make it lower 10% ok, rm26.1 mil

8 mil enough for your kid to roll around on the floor everyday until retire...
education becomes a negative investment once hit a certain amount, while edu is important, i aint spending that much on edu.

moral of the study, if you can, prepare 1 mil each (even 500k is already a big win), and they are settled... dont tell them of course.

not necessary need to study overseas to find job overseas. seen people study overseas also fly back now.

my abang and I both study local, now both work overseas...

i mean if wanna study overseas, best get scholarship, smart kids are commodity for any countries.

i know many who come back, some stayed just to tahan but cannot find proper job... would be good to have stats...

"As of 30 June 2025, total investment assets stood at RM1.31 trillion, representing an 8% year-on-year growth. International investments accounted for 39%, with the increase partly reflecting improved valuations in global equity markets. During Q2 2025, international investments generated RM12.92 billion or 63% of the total investment income. "
from: https://www.kwsp.gov.my/en/w/epf-records-to...ion-for-1h-2025
international made up 39% of assets, but generate 63% of total income... these group of fund managers truly outperformed.

Are we now looking at the high 5.xx divvies next March ?

EPF announced today that its total investment income rose three per cent to RM38.92 billion in 1H 2025 from RM37.90 billion in 1H 2024,

Everybody want 6%++

All depends on Q4 performance....

So far, analyst saying 5.5% in hand.... Based on 2 Qtr accumulated results....

Another 2 weeks ended of Q3 lorh 🤣

Anyway.... Need to see Q3 performance too... Which they would announced around November.....

Then only can somehow get the hints on the ending....

but but but... equity markets is super high if not almost all time high in US.... and malaysia interest rates also mellow mellow...

these 2 alone would be good indications of how Q3 is....
(just don't have sell on news effect over the next 2 days)

The EPF recorded RM18.31 billion in total investment income for the first quarter of 2025 (Q1 2025), a 13% decrease from the RM20.99 billion in Q1 2024. This decline was driven by a weak global equity market, influenced by rising global trade tensions and uncertain US trade policies, which caused a 23% drop in returns from the fund's equity investments. Despite the challenging market conditions, the EPF maintained a diversified portfolio to safeguard value and pursue long-term returns.

The Employees Provident Fund (EPF) reported strong Q2 2025 performance, with total investment income rising 22% year-on-year to RM20.61 billion from RM16.91 billion in Q2 2024. This significant increase was primarily driven by a surge in equities, which contributed RM13.77 billion to the total investment income. Fixed income instruments also performed well, adding RM6.73 billion to the quarterly income. This positive Q2 performance contributed to a 3% increase in total investment income for the first half of 2025 (1H 2025), reaching RM38.92 billion, and puts the EPF on a strong footing to potentially deliver a higher dividend for the year. 

yeah.... just making a guess that epf will resist a bit and not sell everything to bring back to Malaysia...

else kinda sucky our malaysia equity market with such big inflow in and still hardly move... the big caps like maybank and cimb...
so there's still hope we are still on the US market ride... 
hopefully... 

in KV 5mil...
out of KV.. 2-3mil suffice

what if the upside potentially can be +40% ?

ie EPF is like 2.5% to 7% range
some riskier asset could be -15% to +40%?

or say 80% of ur wealth in EPF, whilst 20% in the risky asset?