technically.... conventional could've been higher than 6.3%? 

but at least this year can feel both sides are happy unlike last year...

In my own now silly assumption I was planning to park a some money for my kids tertiary education and for opportune market investment times, but after putting some to chase the 1m, now they say hotel California. These moneys are for all intents and purposes NOT a for 55 year old reaping.

If you have Kawan in EPF, you can ask them how many months of bonus they get every year.

Unker was very surprised,  found that out years ago

double that 

In Klang Valley, I applied RM4250 for 2 pax per mth, with 50-50 makan outside and home cooked meals.
Groceries + toileteries approx 1K per mth. Petrol RM400 + parking + occasional tolls p/mth (assuming driving P1/P2). Meds 250 per mth, house utilities + internet RM350 p/mth.

EPF can sustain for another 20 years to come...

Because of monthly contribution coming in...

Now even got foreign workers contribution... Which I think would also increase over period of time.. won't be maintained 2% forever one....

The 5bil if withdraw all also can give positive impact on the weak Malaysia economy.... Have spilling effects overall

Will this retirement age impact on our EPF contribution? Like example if 55, meaning employers will contribute until 55 years old? Or there is no impact at all, just a guideline to stop working

It’s law to help employers retire old people who are less productive. If they can perform, nothing is stopping employers to hire on contract. Even if retirement age is set at 60, employees can choose to retire themselves earlier. Epf contribution age and withdraw age nothing to do with retirement age.

Yesh..but once they are bigger than the country, they will have no choice.

Also its not just global equities, epf can also look at investing in commodities, cryptos..things they never touch before. Eg epf doesnt invest in gold, which is silly I think.

Norway's is a actual sovereign fund, funded by gov of Norway, It contains the word Pension, but it is funded by their government (by their petro chem industry, but this point is mute).
Khazanah comes to mind for us here in Malaysia. or Temasek in SG.

Somehow, since this is posted in EPF thread, I just feel we all should be aware that KWSP/EPF Malaysia is not a sovereign wealth fund,
but a actual fund, funded (pardon my pun) by actual EPF members who basically consists of workers in Malaysia pretty much.
It is a defined contribution fund, and EPF is mandated to manage this fund for the purposes of EPF member's respective retirements.

So tell me... should EPF focus on achieving the best return for its members or do something else?

Some even hope the 100k limit to be lifted

seems like at current juncture, it all depends on King Trump having a phone call to/with/from Emperor Xi.

If I am not mistaken, previously some forumers mentioned.
Dividend will be calculated till the date the money was transacted out.
So end of the month will be better, but, that may missed some days of I lindung coverage....if strike, ...many untung than that few extra days of kwsp dividend

My case, ...
I had been doing the monthly withdrawal for a few years already.
Every year after the announced dividend rate, I will get another "extra" amount (more than the fixed monthly amount) transferred to my bank account from kwsp.
I don't know what is that amount for,
Thus I believes that monthly maybe the "compensation/recalculated" of your stated

for me i am pushing forward all in