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.)

If the full withdrawal age is shifted to match the higher retirement age above 60 (if that ever happens), then it will be affecting only the
Account Emas (currently set at age 60 for full access) and not the Account 55.

So, nothing to worry about.

If the full withdrawal age is shifted to match the higher retirement age above 60 (if that ever happens), then it will be affecting only the
Account Emas (currently set at age 60 for full access) and not the Account 55.

So, nothing to worry about.

anytime if gov want to move the goal post they can do so
so just pay attention to small details
adjust your contribution accordingly

Both perspectives and advices have their merits. It really comes down to each individual's situation, especially age and available alternatives.

For those of us still some distance away from 50, it’s probably wiser to lean toward the more flexible approach. EPF's rules have shown that they can shift, and when the goalposts move, so should we.

Personally, it doesn’t make much sense to leave say an extra 1m parked in EPF for like the next 15 years before 55, fully exposed to policy tweaks, all for a 6% pa. There are plenty of other investments that can match or exceed that, with way better control and liquidity.

For those nearer to 55 (or already past 60), the story is different. At that stage, the compounding has done its job and you have earned the compounded fruits of your effort. Now it’s more about enjoying them and managing the cashflow wisely.
But like all advices, its easier said... if I were around 60, I would still relook into my cashflow plans.. goalposts had been shifted, again and again.
(future members... best advice is just live with it... too bad...  )

i am a noob when it comes to wise investment.
please suggest what are the investments that can match or exceed 6% with better control and liquidity and reasonably safe.

thank you in advance.

i am a noob when it comes to wise investment.
please suggest what are the investments that can match or exceed 6% with better control and liquidity and reasonably safe.

thank you in advance.

i am a noob when it comes to wise investment.
please suggest what are the investments that can match or exceed 6% with better control and liquidity and reasonably safe.

thank you in advance.

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

https://theedgemalaysia.com/node/772795

EPF withdrawal limit for Hajj increase from RM 3,000 currently to RM 10,000 in 2026

https://theedgemalaysia.com/node/772795

EPF withdrawal limit for Hajj increase from RM 3,000 currently to RM 10,000 in 2026

investments that can match or exceed 6% with better control and liquidity and reasonably safe....
Try Cash Trust fund, which i think can meet most of your prerequisite.
can match or exceed 6% ,....(in that existing thread, mentioned more than 6%)
with better control and liquidity,....(in that existing thread, mentioned some shorter than locking period of kwsp, but it still can withdraw if you dont mind the penalty)
and reasonably safe....(so far no mention of runaway or non payment by these locally registered trust entities yet in that thread)
There is an existing thread
Ubb CASH TRUST 3 years nett 6-8% pa anyone?, UBB Amanah Bhd
https://forum.lowyat.net/topic/4801818/+380

This UBB Amanah seem to be hot soup lately right?

Then years later, they will again publish data showing lots of contributors does not hv enough for retirement use.

Anyone knows when the i-saraan interest will be credited? 🤔