1 to 1.3mil in 3 years
1 year up 100k.

that is why i say think about it... if 100k per year seems like nothing
but when we say increaee 30% is huge increase

1st year increase 10%
2nd year increase 9.09%
3rd year increase 8.34%

On 3rd year, ...they will review to determine if the new round of increases will be necessary

simple pasar malam math - RM1 increase to RM1.3 is 30%

👍 enabling people to hv more money in retirement pot, while keeping the purchasing power in check.

pasar malam mind see that wow so much increase 30%

How come suddenly concerned about this 1.3M threshold? Shouldn't really affect you much already since you're a few years from 55, right? (gam gam 55 in 2028?)

For those of us still "too young" (below 50), your earlier point is the real takeaway: adapt... adapt... adapt... Time to relook at retirement planning, cashflow needs, and whether topping up EPF is worth it if the goalposts can shift anytime.

Also, for context: the RIA framework is pegged to 2023/2024 data, and EPF already said it'll be reviewed every three years. Does anyone here seriously think that by 2028 the cost of living will remain the same as 2023/24? As if inflation suddenly stops? Even using something as basic as my earlier chicken rice index at ~5% p.a., 1.3m rm today becomes 1.6m in 2028 (rounded up from 1.586m). And the RIA begins again...

So yes, “RIA” is a nice acronym... a moving number. No wonder EPF RIA lar... lol

(for those above 40, the bigger risk isn’t this threshold at all — it’s whether EPF decides to "align" with a future retirement age of 65. If that happens, don’t be shocked if 55/60 withdrawal ages quietly get shifted up too.)

i dont know what is the hoohah when the so called riches keep worrying
whereas the not so rich majority just relax...........

like want to make people scared of their money in EPF?
some kind of fear mongering...

This post has been edited by guy3288: Oct 3 2025, 09:20 PM

almost zero impact to me as i am reaching 55 in 3 years time but still 30% increase quite high
if you are at 950k this year and hoping that next year finally hit 1.0M then suddenly you realize the goal is now 1.3M as someone shifted the goal post
hahahaha!!!

Yeah lor… if rules can shift like this, best not to overcommit.

I’ll likely trim down my EPF exposure further… 55/60 (assuming no change for next 15 years) is just a bit too far for my comfort.
Moving forward, I may just treat EPF as a forced fixed-income instrument I kena converted into... and no longer part of my financial tools.

inflation figures should be correct.

it is just that most people use their raised standards of living and attribute it to inflation.

and some people also use anecdotal experience and blame inflation. For example, vegetable prices are based on supply and demand. One day tomato prices can be 6.99/kg, the next day it can drop to 3.99/kg. Just because they bought 6.99/kg they blame inflation, but in fact that is not what the govt inflation figure tracks

CPI figures can be manipulated. Quote

The problem is that the most-watched measures of the economy — CPI, PPI, and jobs data — aren’t neutral scorekeepers. They’re built on methodologies that can shift with political winds, subject to revisions that sometimes erase hundreds of thousands of jobs from the record, and almost always lag the reality on the ground.

The Consumer Price Index is designed to track the cost of living, but the methodology often underplays the pressure consumers feel. Substitution allows cheaper goods to replace more expensive ones in the basket. Weighting assigns less influence to certain high-cost categories. And hedonic adjustments — factoring in “quality improvements” — can reduce the reported price of an item even when the sticker price climbs.

https://www.vantagepointsoftware.com/blog/h...overnment-data/

lol...don't be so serious... i'm just trying to say can't touch the amount and let the 8th wonder of the world do its magic to hit 5mil...

hah... it is the 8th wonder..... that means I can continue eating the meat of the cow that ate grain i/o grass and epf still reach 5m when I touch 60.

just want to ask, is incentive from goverment RM500 for i-saraan 2025 already in? last year on august already goot it. anyone already received yet for 2025? TQ

https://www.freemalaysiatoday.com/category/...or-epf-accounts

“This (proposed structure) would only apply to new members who register after the implementation date."

we no impact - new members too bad la
i think they are targeting those who yet to have EPF account so best if your child is over 14 pls open one for them to avoid kena trap into monthly withdrawal when reach retirement age

This is what you’d call a smartly calibrated move...
Affects only future new members... who are not current voters.
The present crowd gets options and stay contended... not caring much abt the new members...

Clever... very clever
Subtle... almost artful

it is coming for sure

To get an idea of the cost of living in 2028, just look back 3 years to 2022...that'll give you a rough idea of the increase delta.

US Stocks & Bursa are doing well in past month, our KWSP is expected to perform better in Q3, & hopefully in Q4 as well.

Then we can have 6% by March 2026.